vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
DSNB MACYS is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2018

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My home mortgage company ( Suntrust ) is dunning me and assessing penalty fees for money I've paid on time. Paymient in full was made on XX/XX/XXXX and XX/XX/XXXX. These funds were deducted from my account.

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
PORTFOLIO is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX Exquifax, and XXXX has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Hello, I refinanced a first mortgage on my condominium, closing date XX/XX/XXXX. I paid off the prior mortgagee, NewRez LLC, on that date. However, XXXX has not recorded the discharge of the loan at the XXXX XXXX XXXX of XXXX. 

I called XXXX on XX/XX/XXXX. They promised to email me a satisfaction letter purporting to show that they had electronically recorded the discharge of the loan with the XXXX XXXX Registry of Deeds. I did not receive it. 

I called XXXX on XX/XX/XXXX and they made the same promise. This time I received the satisfaction letter via email, however the satisfaction letter they sent was for a different loan that was discharged in XXXX. 

I called XXXX on XX/XX/XXXX and determined that the mortgage I was trying to get discharged does show as fully paid in their systems, however, the satisfaction letter attached to the relevant account in their system is for the wrong loan. Customer Service told me to contact the loan servicing department by email at XXXX. I did so. I received an automated reply via email. 

On XX/XX/XXXX I received a paper letter from XXXX acknowledging that they received my inquiry and they were working on it. 

On XX/XX/XXXX I received a paper letter from XXXX saying that they " respectfully request additional time '' to resolve the issue. 

At this point I am opening an inquiry with CPFB because I do not consent to allowing more time to resolve this issue. They were responsible for correctly discharging the mortgage several months ago. As it stands now, according to the registry of deeds, my property is encumbered by a mortgage that I do not owe, and this has a serious material effect on my financial position and ability to manage my property. I would appreciate your assistance in escalating this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
CRDT SYS INC is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.

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 2021-02-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: IL

Complaint narrative:
My Equifax credit report shows 1 unauthorized credit inquiries ; XXXX XXXX XX/XX/2019. Please have this inquiries removed from my credit file immediately, as it is in fact, unauthorized and fraudulent inquiries. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally unverified and unauthorized accounts MUST be removed. This is my third attempt to remove this fraudulent inquiry with this company. I have not gotten investigation results for the reason why inquiry isnt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I keep getting repeated text message from this company by the name of TrueAccord. SMS style messages with a link, i reply stop and I get a message back saying i have opted out of sms messages. I have gotten this same message five times from five different numbers. This is obvious harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: CO

Complaint narrative:
AMERICOLLECT ( Original Creditor : XXXX XXXXXXXX XXXX ) is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JPMCB CARD is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I surrendered a vehicle I could not continue payments on. I was informed of the actions that would be taken. The car would be sold at auction and any amount would be credited to the owed balance. This company sold the car and the next owner claimed insurance damage and received money from insurance leaving a claim on my insurance.This is fraudulent on behalf of Ally Financial. I have been harassed about payment. 1. the insurance claim is fraudulent, 2.Documents pertaining to all gross made of the vehicle sale, insurance money, taxes, fees and the unpaid balance that was remaining has not been provided after requesting multiple times. 3. this company has sold a debt to a collection agency in an attempt to collect a debt and not provided the received amount sold for. this amount is to be applied to the owed balance since this is what the money received is 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 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, I applied for a Home Depot consumer. I was denied. I contacted Home Depot credit services. I asked why I was denied. The lady told me too many inquiries. Ok? 
Me : Who decides whether or not I receive credit? 
Citibank Representative : The computer system. 
Me : Well, obviously, a human made the computer system/ software. So, there was human involved in making that credit decision ... 
Me : ... asking more questions. 
Citibank Representative : Sir I don't make the decisions, the computer does. 
Me : ( More questions ... ) Citbank Representative : ( Maintaining the same posture ) ... the computer makes the decisions.

Me : ( Frustrated ) Another attempt at obtaining a Citibank credit card from Costco on XXXX??, XXXX : DENIED! 
Why : Account restricted ; Late payments ( over four years ago. No late payments since XXXX ) ; Delinquent account ( even though accounts have been paid off ) ; & et.c

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 2021-02-24 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX of 2019 XXXX removed a charged off account from wells fargo in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to wells fargo again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and XXXX  keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his XXXX state

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There are five " hard '' inquiries on my Equifax report. I submitted an online dispute on XX/XX/2021, which they resolved within one day. They're response was " inquiries are a factual record of file access ''. Obviously they did not investigate this with the inquiring entities or third-party sources to confirm or deny my dispute. I submitted a second dispute for the same five " hard '' inquiries via certified mail and I accessed the results which were received on the XXXX of XXXX completed the XXXX of XXXX. Again, they used the same illegal response. The burden of proof belongs with the CRA ( Credit Reporting Agency ) thus I am sending a final demand for their removal but would like to include the CFPB complaint number so they understand how serious I take their lack of compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had applied for a job for an XXXX  XXXX  and they said I had an interview for a job and said I had got the job and they said the company had to pay for supplies for me. They had sent me a check for {$2800.00} on XX/XX/2021. Then I had to send the money that was sent for the check to pay for the XXXX  and other supplies. So I reluctantly sent it because I thought it was apart of the job and I was being reimbursed. I had sent 4 payments one of the XXXX of {$400.00} and three on the XXXX for {$500.00}, {$1000.00}, and {$900.00}. Then they sent another check for an upgrade for the XXXX and more programs for the internship. Then I again did not look for any signs XXXX, and then continued to send more money totaling up to {$4800.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have been trying to work with my lender for several months now and still no luck in getting any help. 

I have sent their document request for proof of hardship over 4 times to their email they provided for documents and all of sudden they are not getting anything. My XXXX XXXX has been calling them every 4-5 days trying to confirm they received but no luck. ( XXXX ) I have been denied over 3 times now because they said they never got a complete packet and all because they continue to misplace my documents. I am just looking to save my home and hope this will get clear this whole run around.

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 2021-02-25 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: AL

Complaint narrative:
I have made several attempts with the following credit bureaus : XXXX XXXX, Experian all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. XXXX is reporting that it was opened on XXXX, and XXXX and Equifax have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and XXXX and Equifax are reporting that the payment status is unknown. Also, under the date last active, XXXX has that it was last active on XXXX, XXXX has that it was last active on XXXX, and Equifax has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello CFPB, I had a bank fraudulent transaction on my account and I have already spoken to the XXXX XXXX Police Department about my situation. I spoke with an individual online about a XXXX XXXX profit-making opportunity via XXXX. Her business handle was XXXX XXXX. I deposited an initial {$450.00} dollars for a transaction through a business medium called XXXX for {$450.00}. I didn't authorize any additional transactions further and I saw through my bank account that I got an additional {$5600.00} taken out of my bank account and before I could make a stop to this transaction ( which was at the point pending ), I was wrongfully addressed by a Wells Fargo representative that to file an investigation the file had to be an active transaction before they make any investigations, so I didn't pursue with the block on this pending transaction which was done via XXXX and XXXX ( bitcoin transaction ). This was entirely wrong and I was unlawfully taken money out of my bank account by scammers, I am unsure how it happened but I want my money back and I have supplemental information to provide proof of this. 

Please let me know what you can do because this isn't right and I need answers.

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 2021-02-24 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: NV

Complaint narrative:
I turned XXXX on XX/XX/2020. I should not have a credit profile. If XXXX XXXX, and Transunion would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted XXXX XXXX, and Transunion about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent XXXX XXXX and Transunion a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. XXXX XXXX, and Transunion still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. XXXX XXXX, and Transunion did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.

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 2021-02-24 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: NV

Complaint narrative:
I turned XXXX on XX/XX/2020. I should not have a credit profile. If XXXX, Equifax, and XXXX would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted XXXX, Equifax, and XXXX about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent XXXX, Equifax, and XXXX a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. XXXX, Equifax, and XXXX still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. XXXX, Equifax, and XXXX did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.

Company response to consumer: Closed with explanation