vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The public record of discharged chapter XXXX bankruptcy : XXXX listed on my Equifax is inaccurate information and not my bankruptcy case or public record information. The United States District Court District of Minnesota Bankruptcy Court informed me that they did not report the public record thats currently listed on my Equifax credit report, because they do not report any bankruptcy cases to Equifax, XXXX, XXXX XXXX or any credit reporting agency. The following credit inquiry listed on my Equifax credit report is fraudulent and not my credit inquiry : XXXX XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I co-signed for an apartment for my daughter and son in law. In XX/XX/XXXX they renewed their lease and while my name was on the lease, I did NOT sign the lease for XXXX. My daughter signed my name. The management XXXX XXXX XXXX at the apartment complex were notified and had another lease corrected so my name would be taken off. They know I didnt sign this lease. 

In XX/XX/XXXX my daughter and her husband were evicted because they both lost jobs due to covid. 

This is not my responsibility and the management of the apartment complex have acknowledged it wasnt my signature or responsibility yet its on my credit report. Ive disputed this and its been verified as correct. Its not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
This is a follow-up to a previous CFPB case ( case letter and loan number as well as previous correspondence attached ). Cross Country Mortgage took money out of our escrow account and paid the incorrect tax parcel due to an address mismatch. We first informed Cross Country of this on XX/XX/XXXX. Almost a month later we finally received correspondence from Cross Country Mortgage and a CFPB case closure notice indicating that they would refund the incorrect payment to our escrow and that our property taxes would be " completed on XX/XX/XXXX ''. However it is now XX/XX/XXXX and our property taxes have still not been paid, and late fees have now increased to {$600.00}. On top of that, on the servicer 's own website our address is still incorrect ( despite sending both physical and digital change-of-address forms multiple times in the past month ) and the tax parcel ID linked to the supposed payment is still incorrect. I want to note that dealing with this has been incredibly frustrating, since first calling in on XX/XX/XXXX I have made over 20 phone calls to Cross Country Customer Support, sent 5 different pieces of physical mail requesting address corrections and tax payments, and sent countless requests for support via customer email and chat. Not once have I received a non-form-letter reply via email, phone, or the chat system, the only response I have ever received has been the CFPB response letter, and even in that letter the things that were stated to have been done ( aka making the tax payment on XX/XX/XXXX XXXX have still not happened. Since this has occured, over {$600.00} in late fees have been added to my property tax payments, and this amount continues to increase month after month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My online access was somehow compromised and dozens of transactions were made that was not done by myself or my wife including but not limited to XXXX XXXX, chase freedom, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and every other account on my credit profile the bank has been unwilling to help me or give me any money back for the fraudulent charges/changes to my account and is totaling approximately around 12- {$15000.00} and have been dealing with this since XXXX of 2020. Which has forced my to get loans to cover bills occurred in order to salvage my credit at the same time fraud had been actively involved on my account from XXXX through XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: AmeriCash Holding LLC
State: AR

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXX XXXX ( my spouse, from whom I am divorcing, XX/XX/XXXX ), obtained a payday ( personal loan ) for {$1600.00} by providing knowingly false and inaccurate information to AmeriCash Loans. XXXX XXXX XXXX XXXX provided AmeriCash Loans an inflated and false household income, including my net income as added household net wages ), in order to fraudulently inflate the loan amount he received for the payday loan. As I had absolutely no knowledge of an AmeriCash Loan loan application, nor any other rogue financial endeavor of XXXX XXXX XXXX XXXX, I did not approve or provide consent for XXXX XXXX XXXX XXXX to provide my information as monies in consideration for his personal payday loan. AmeriCash Loans failed in due diligence to verify and deem all information and documents provided by XXXX XXXX XXXX XXXX as true and accurate. As a result of willful disregard for financial rules and regulations by XXXX XXXX XXXX XXXX, in addition to negligence to verify the information provided XXXX XXXX XXXX XXXX by AmeriCash Loans, I have suffered compensatory damages, as well as injury to my credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Re : XXXX - LVNV Funding LLC account number ending : XXXX - XXXX XXXX XXXX To Whom It May Concern : This email was sent to LVNV Funding LLC regarding accounts # XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, wish they claim Collection. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2020 I began receiving notifications from equifax with soft inquiries. I havent applied for any credit since XX/XX/2020 as i was going through an IRRRL Prior to XX/XX/2020 XXXX during the summer ) the same thing occurred so i reached out to them and after several calls it stopped. I subscribe to Equifaxs credit products so i know right away when there are any changes in my credit. Fast forward back to now, Ive emailed them to twice to address my concern and even advised them that if it dont stop i will notify the CFPB. Long story short Equifax is the requesting the inquiry and it comes up soft inquiry when i receive the notification. At least thats what it says when i open the alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was approved for a Covid 19 deferral of payment through XX/XX/XXXX. I have an email dated XX/XX/XXXX stating such. My mobile banking app reflected no payment due on XX/XX/XXXX, my due date, until yesterday. I have spent 5 hours trying to straighten this out with representatives giving me misinformation, hanging up on me, being rude, questioning my illness. Bank of America admits that they approved the deferral but will not remove the payment due. Its unconscionable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/2020, I wrote to Portfolio Recovery, LLC requesting validation and an investigation into items that I believed were inaccurate. 
To date, I have not received any such validation. The only reply I received was a fake letter from XXXX XXXX  dated XX/XX/2020 & XX/XX/2020. Portfolio Recovery fails to provide my request for the alleged contract or other instrument bearing my signature. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. Portfolio keeps deleting and re-inserting the accounts in my credit files. This has damaged my credit score and credit wortness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020, {$520.00}. TransUnion is both a credit report and Collection agency as per conversation with XXXX and TransUnion. TransUnion LLC. aka TransUnion took on a third party contract ( which TransUnion failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated TransUnion was acting on the collection agency side on the date of submitting to the bureaus. TransUnion LLC abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). TransUnion failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, TransUnion made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that TransUnion was the agency to contact, I spoke with TransUnion on XX/XX/2020. Transunion advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with TransUnion the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. TransUnion refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All TransUnion advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****TRANSUNION HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX and TransUnion have not investigated my dispute and added a false comment on my file for the below account. 

" TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion ... I never cancel this dispute!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX and XXXX have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX and XXXX  have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with XXXX XXXX XXXX. XXXX  XXXX. aka XXXX  took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX  made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that XXXX  was the agency to contact, I spoke with XXXX on XX/XX/2020. XXXX advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED XXXX to try to get away with their ABUSE AND MISUSE OF THEIR POWERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with Experian and XXXX. XXXX XXXX. aka XXXX took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from Experian stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX  XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from Experian that XXXX  was the agency to contact, I spoke with XXXX  on XX/XX/2020. XXXX  advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX  the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by Experian that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency XXXX and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 my checking account was cleaned out in the amount of XXXX and my Wells Fargo credit card in the amount of almost XXXX. The hacker opened 3 accounts in my name XXXX, XXXX XXXX and XXXX XXXX. I called Wells Fargo immediately I looked at my account at XXXX XXXX  on the ninth to see if our Social Security checks came in they did when I went back at XXXX to pay bills all our money was gone. Wells Fargo made a claim and said they would get back with me they refunded {$1400.00} on one of the charges of my credit card and they refunded XXXX for a XXXX I didnt do. I received a letter on XXXX XXXX from XXXX XXXX senior vice president over claims she was stating that she was closing my account and they were not paying any further because they could not establish fraud basically told me that I was stealing my own money. I looked into one of the withdrawals for {$1500.00} that went to XXXX so I called XXXX to see what could be done and talk to the fraud department he informed me that there was still {$1500.00} in that account and that hackers had not transferred the money yet I asked him if he could transfer the money back to my account and he did so I retrieved XXXX myself. Another XXXX went to XXXX then they were sending money to people I dont even know. Later that day I received a phone call from Wells Fargo supposedly the call ended up being hackers posing as Wells Fargo and then they talked us into a whole other situation. She said there was a way to get our money back a lot faster and that was to go to a grocery store and get three XXXX XXXX {$500.00} cards so that they can track where the cards were going to I said I have to buy gift cards and she said it will make things go a lot faster once they find out where the money is going to and then replace it and put it back in our checking account. So my husband and I went and got {$1500.00} worth of gift cards gave them the numbers didnt realize this is another scam I even have a recording of the girl telling me that I was going to get my money back faster I guess were just old and stupid. But that XXXX I retrieved it from the XXXX account before they could transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westcreek Financial
State: NV

Complaint narrative:
West creek financial .... the lending service used to buy my mattress.

They keep calling DAILY at XXXX!!!!

Company response to consumer: Closed with explanation