vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: GA

Complaint narrative:
Equifax customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer XXXX XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and XXXX XXXX XXXX  the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given

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 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company reported a collection on my credit report without any prior communication to me. I have never received any validation letters from this company. The alleged debt is XXXX from XXXX XXXXXXXX XXXX I moved out of this complex XX/XX/2021. I was allowed to leave the apartment before my lease was up due to XXXX  and XXXX  issues. I left my forwarding address with the complex and I also did a XXXX change of address on XX/XX/2021 so there is no reason why I should not have received any communication about this alleged debt. I would like to receive copies of the debt validation letters sent to me before this debt was added to my credit report. I have attached copies of email communication between from XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My Mortgage was transferred from XXXX XXXXXX/XX/XXXX to Nation Strar Mortgage LLC DBA Mr. Cooper on XX/XX/2021. 

Since the transfer date was XX/XX/2021, XXXX payment was made to XXXX XXXX XX/XX/XXXX, but Mr. Cooper is claiming they should have received XXXX payment thus my account would be delinquent if I do not pay. 

To avoid any negative reflection on my account or credit, I have gone ahead with another payment with Mr. Cooper, and I have tried to resolve this issue with both banks for the past several months. 

However, On XX/XX/XXXX of 2021 loan was transferred back to XXXX XXXXXX/XX/XXXX and Mr. cooper has stopped responding to my request. 

XXXXXX/XX/XXXX transferred loan amount : {$320000.00} Mr. Cooper claimed transferred loan amount : {$320000.00} Mr. Cooper has over charged {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I bought the house XX/XX/2020 and paid XXXX XXXX XXXX auto payments from my bank and then it sold to SPS Servicing. XX/XX/2020 was paid to XXXX and it was supposed to be paid to SPS but we didnt know yet. Anyway XXXX says they never got my money and never sent it to SPS and it was paid I have proof from the bank. I have spent hours upon hours trying to get this resolved and still its not. XXXX sent a letter they would fix my credit and credit the payment but never did. My credit is severely affected and I never missed one payment. I need help getting this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
A XXXX XXXX debt outsourced to convergent XXXX was opened on my credit report around XX/XX/XXXX. Despite many calls directly to XXXX, and them stating each time I owed {$0.00}, I have to fight with convergent who reps always sound annoyed to work. 

I submitted my refund check from XXXX ( why would they refund me if I owed them money? ) as well as my equipment return receipt ( from XX/XX/XXXX ), no response. I called and they said they didn't get the return receipt, it's clearly in the email. However, I resent. 

I disputed through XXXX XXXX, and it was returned as a valid debt but yet XXXX has no clue what convergent XXXX is talking about it. It's been on my credit report for 4 months now and I haven't gotten very far. This greatly affects my ability to qualify for new credit. You would think they could simply call XXXX and resolve this. 

I should be getting paid to do all their paperwork for them at this point. Extremely upset and frustrated.

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have sent dispute letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX  about this navy Federal credit card account that on my credit profile in the amount of XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I noticed quite a few XXXX charges on my account. Not sure how they got there. I did remove my card off of there and closed the apple account down as well. I then called Barclay dispute line and said I need to dispute all the XXXX charges from XX/XX/2021 - XX/XX/2021. The person was nice and said there were quite a few charges and would put all of them in dispute. So a day or so goes by and I get credit for a few of them but not all. I called and the person I spoke to didn't know how to handle it and said I did receive credit. I said yes I did for a few of them but not for all of them. She wasn't sure how to go about the other ones and seemed a little lost about it. Not sure why they give credit for some but not all but here are the ones left that I didn't get credit for. 
XX/XX/2021 {$39.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$10.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$53.00} XX/XX/2021 {$10.00} XX/XX/2021 {$53.00} XX/XX/2021 {$58.00} XX/XX/2021 {$26.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$100.00} XX/XX/2021 {$21.00} XX/XX/2021 {$35.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$16.00} XX/XX/2021 {$16.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$49.00} XX/XX/2021 {$10.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$100.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$10.00} XX/XX/2021 {$32.00}

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 monetary relief
Consumer complaint received 2021-11-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been more than 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been more than 30 days and I haven't received any investigation results.

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 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have already filed a dispute with Consumer Adjustment through XXXX XXXX. My dispute is that I don't have knowledge of this account nor have a contract with this company. They state that because the address is the same, it's my account. 
I will restate, I have never had an account with Consumer Adjustment. I would like to see a signed and dated contract since they say I do owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not recognize this inquiry, please remove. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

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 2021-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I took out a payday loan for {$500.00} ; however, I fell on hard times and was unable to pay the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had applied for a refinance loan from Bank of America ( BOA ) with loan number of XXXX. I applied the loan on XX/XX/XXXX and BOA had the first loan closed date on XX/XX/XXXX. I always provided the document request within the same day or next day and never being late. BOA never notified me the status only if I called and most of time no response. BOA has been continuously asking the same information again and again ; BOA even asked a closing statement which is a property that I had sold 4 years ago ( by real estate law I am not required to keep document for more than 3 years old ) and the property is totally irrelevant to the loan. On XX/XX/XXXX which is 5 days before the original closing date, I can BOA to ask my status, the mortgage broker told me my application was declined by underwriter for no evidence of primary residence and ownership. Then I asked the broker why the underwriter never asked me to provide the utility bill, car registration, bank statement to prove my residency but directly to decline my case. The broker said this was totally wrong. Within the next day, I provided the said document volunteering to BOA to ask why my case was rejected on XX/XX/XXXX. 
No one including the manager can not provide me a reason and do not want to provide the listed questions that I want BOA to answer. BOA just continue to ignore me and not allow me to know my status of application. On XX/XX/XXXX, I called the manger to indicate that BOA 's rejection my loan is violation of Fair Lending Act not just basing on my age, my ethnicity and continuous harass me with irrelevant document request. The manager told me he would review my case but it turned out to be today, BOA is asking me to provide a " Notarized Attestation letter '' to explain why the subject loan property is the primary property. I wrote back to BOA by email to explain the reasons why I moved from the previous address to the current address. To me, there is no loan company has been asking me to provide " Notarized Attestation '' Letter only BOA trying continuously to make me frustrated and hard time to the loan. I think this is a discrimination against me personally but not a fair lending because I ask BOA manager to provide me the BOA lending guideline why I need to provide a " Notarized Attestation '' but not an explanation letter. BOA again rejected to provide the details. It let me feel BOA is treating me not just like a criminal but also a serious discrimination against me.

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 2021-11-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like Barclays Bank from Delaware the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for

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 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email asking if I would like to have my vehicle wrapped for advertising purposes and received {$2000.00} a month. I stated I stated yes and asked what the requirements werequirements were. They said that they would send me a check for {$4900.00} and I would send {$4400.00} To the wrapping company and keep {$500.00} as my 1st installment. I received the check in 2 days and deposited into my Wells Fargo checking account. I received another email 's telling me to use XXXX to send the {$4400.00} to the wrapping company. As this was the 1st time I was using XXXX I was only to able to send {$500.00}. I was directed to send the {$500.00} to a XXXX XXXX And use a wire transfer to send the remaining money. I did send {$500.00} to XXXX XXXX But I started becoming suspicious and did not send the wired transfer the same date. The more I asked about the wrapping company the more suspicious I came and Icontacted Wells Fargo and they told me that it was a scam that they had run across before and cancelled the wire transfer. I filed a fraud claim with Wells Fargo fraud department And explained the circumstances. I was issued claim number XXXX. I received a letter approximately 2 weeks later stating that my claim had been rejected because the money had gone through XXXX with no problem and I was the one that had initiated the transfer. I have just got done talking to the fraud department again at Wells Fargo and they said there was nothing they could do. They are a multi XXXX dollar company and I and I am a retired pensioner living on social security and a retirement. {$500.00} is a lot of money to me.. I am upset because they publish using XXXX knowing that people can not get their money back From them. I know Wells Fargo is insured through FDIC And {$500.00} is a drop in the bucket to them. After going on the sales website I have seen numerous complaints basically the same as mine dealing with frauds and scams. Several people had contacted you and had gotten results and this is the reason I am contacting you and hoping that at whatever you do might push Wells Fargo into returning my money. Thank you very much

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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company calls me at least twice a day, and sometimes 3 or 4 times a day, every day of the week. They far exceed the 7 calls they are permitted to make every week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like XXXXXXXX XXXX  from XXXX the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for

Company response to consumer: Closed with explanation