vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
There are 3 medical accounts for the same facility in which I have no knowledge of and certify are not mine. 

I have reached out to the original creditor who was unable to provide supporting documentation that these were valid visits to their facility. The company was unable to determine as they no longer had m records. These negative accounts should be removed from my credit profile immediately. 

XX/XX/XXXX- {$230.00}XX/XX/XXXX- {$170.00} XXXX- {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I received an email from. AFFIRM.COM stating that I owed them a payment. I have not purchased anything using Affirm so I contacted them. They told me it was a purchase through XXXX. I have not purchased anything from XXXX. I contacted XXXX and they have nothing in there system that I made any purchases from them. I let Affirm know those and asked for proof of what I bought and anything I signed. They sent me a contract with an electronic signature. I have never signed this contract, have never seen it, and have not bought anything from XXXX, and XXXX acknowledges this. Affirm only provided me with the loan contract with a statement saying it was electronically signed. 

I want this loan out of my name since this is not my loan, I never signed anything, never bought anything from XXXX. Affirm sent me an email back in XXXX in which I never even clicked on the link to sign anything since I hadn't purchased anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: IL

Complaint narrative:
On XX/XX/2021 I attempted to log into my unemployment card ( KeyLink ) account. I was denied access and couldn't change my username, password or pin number. I called the number on the back of my card and she stated that someone changed my pin on XX/XX/2021 and there were 13 fraudulent charges between XX/XX/2021 and XX/XX/2021. They totaled {$6300.00}. Someone was using a web transfer and transferred money to another account everyday for 2 weeks. There were 11 fraudulent charges at {$500.00} each, 1 fraudulent charge of {$490.00} and 1 more fraudulent charge of {$300.00}. The company has denied my claim stating that no errors have occurred. They won't give me any detailed information regarding where this money went other than it was a web transfer to another account. I received a letter Bank Card Services PrePaid Debit Disputes with a routing number and the last for digits of an account number they claim is linked to the cardholder, which I assume is me. Again no further details. Please help me recover this money as I haven't worked in over a year due to the pandemic and really needed that money to help provide for my family. Today, XX/XX/2021 I sent Bank Card Services PrePaid Debit Disputes a fax with a hand written statement explaining what was going on and to please re-review/reopen the claim considering I never authorized these 13 transactions over a 14 day period. I've never authorized any funds to be transferred to another account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Credit Corp Solutions reported to credit bureaus on my personal credit account that I owe {$470.00}. In 2017 this balance was approximately {$100.00} only. This was business purchase and had nothing to with my personal account. 

This is the factual detail : The XXXX XXXX XXXXXXXX Credit card was strictly received and used for my business in Hawaii. This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. 

During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. 

This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with XXXX XXXX and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit, the charge of {$100.00} was strictly for business. And my business investment fraudulently possessed since 2017 '' Please remove this negative item from my credit. Your consideration is required and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To Whom it may concern, Since XXXX, I have made numerous attempts to try selling my home ( XXXX XXXX XXXX XXXX., XXXX XXXX XXXX NV XXXX ), but failed due to a lien Wells Fargo placed on my home. 

In XXXX, I received a home loan along with a HELOC loan through Wells Fargo Bank. Unfortunately, due to some financial hardship I filed for bankruptcy on XX/XX/XXXX, assuming my HELOC loan would be cleared along with my other debts. 
I then realized the HELOC loan was not cleared with my bankruptcy when I tried to sell the house in XXXX. I was told by a title company that Wells Fargo put a HELOC lien on the house. 
I then immediately made numerous attempts to ask Wells Fargo what I needed to do for them to call the state recording office for a lien removal. Wells Fargo shut me down and told us they will not help with this case. Their reason was my HELOC loan was sold to another loan company, and I will need to clear with them. So, I hired a legal advisor. My lawyer followed the paper trail and found out the servicing company that bought the loan is no longer in business. The title company attempted to remove the lien using their contacts and resources, but was not successful. Since the loan was bought from a servicing company, instead of a bank, FDIC can not help me to remove the lien. 

At this point, I have exhausted all my resources and my funds to resolve this problem. I am tired, frustrated, and saddened by how everyone especially Wells Fargo could not help with what I feel is a simple case. All Wells Fargo need to do is call the recording office and clear my lien. 

Thank you, Sincerely,

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 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a bank account and was denied with the reason I am in chexsystems. I had no idea i owed a balance as I reported fraud on the bank account. Bank of america is incorrectly reporting an account balance of {$290.00}. BofA is known for fraud and my account was attacked.

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 2021-05-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Experian Credit Report shows XXXX XXXX sent to collections from XX/XX/2018. This was related to an on the job injury covered under XXXX 's XXXX. I provided the collections agency with the Workmans Comp Account number, along with the Emergency Room Billing Department which show no more record of me personally owing anything. I have Disputed this threw they system, providing all necessary documentation, and they still do not remove it 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 non-monetary relief
Consumer complaint received 2021-05-07 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2021 I applied for a home owners insurance policy for my investment property. My Broker, XXXX XXXX XXXX XXXX, XXXX, was successful in placing the policy through XXXX XXXX XXXX in XXXX, FL. Shortly there after I received a letter XXXX dated XX/XX/XXXX ) indicating that the rate I was charged was increased due to credit data received from LexixNexis. Letter listed four reasons : - Account with a reported delinquency Including bad debt - # accounts with a reported with 30 day late payments - # of accounts that have been established - # of acccounts with 30 day or worse late payments within the las 30 day. 

As my credit is essentially perfect ( current credit score XXXX XXXX, I immediately requested the data records from LexisNexis. On XX/XX/XXXX I received their response and after a comprehensive review, I found that ALL of the credit reported belonged to my son. The file correctly reflected his name ( same as mine with a different middle name ) and social security number and his address ( the investment property where he lives ). Today, XX/XX/XXXX I contacted LexisNexis and requested they correct the report and only report credit which has my Social Security number, home address, and DOB. I also requested they send the corrected copy to XXXX XXXX Insurance. I was advised that they couldn't do that as XXXX XXXX 's inquiry did not provide any social security or DOB information. Nor did it included a middle initial. The address they submitted was the investment property not my mailing address. Based on the vague/incomplete request they indicated that they had provided the information requested. Therefore, I would need to have XXXX Insurance re-submit the request with the correct parameters. 

Based on the feedback from LexisNexis I contacted XXXX Insurance who very quickly told me that they would not re-submit and that I needed to go to LexisNexis and have a consumer comment indicating an error in the file. They also indicated that this would not removed the surcharge on my insurance. After I insisted that this was not legal indicating that they can not charge me a surcharge due to their error, I was told there was nothing they could do and after I indicated that I would raise this to the regulators I was hung up on. 

Net, net. XXXX Insurance submitted an incomplete and erroneous credit request and refuses to correct their error which is resulting in an increased premium which they are not entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, My capital one checking account, specifically my debit card was compromised and the account was fraudulently charged starting XX/XX/26 from various merchants out of XXXX. After reaching out to capital one several times to get updates I was told by a representative today that all my claims had been denied and the reason for that denial was that they did not follow a normal fraud pattern and I had access to the account. 

While it is correct that I had access to the account I disputed these charges as soon as I was allowed to by capital one, which was as soon as they posted. Capital one could not provide me with any more information as to why they denied the claims, what the charges were for or how they can possibly think that charges coming out of XXXX had anything to do with me. My account history clearly shows that in all my years with capital one there have not been any foreign transactions and what seems to be blatant fraud capital one took 5 days to deny the claims without properly researching the matter or gathering information from the merchants. 

My account has been completely wiped out and when I expected my bank to protect me they completely failed. 

Below are the claim numbers and amounts. 

XXXX CLAIM XXXX AMOUNT {$33000.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIM XXXX AMOUNT {$4900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX CLAIM XXXX AMOUNT {$4700.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$6900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never transacted or authorized any of these merchants from XXXX to charge my debit card. Capital one needs to fully investigate these charges and protect me as their customer from malicious activity. 

I look forward to a speedy resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Experian credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX  and XXXX. I have an Experian.com account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.

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 2021-05-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an issues with Experian, XXXX XXXX XXXX  and XXXX. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closedXXXX XXXX is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4.XXXX  XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. Experian, XXXX  & XXXX  are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX  would add remarks and remove remarks and my FICO fell each time, from

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 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.

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 2021-05-07 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: United PanAm Financial Corp.
State: VA

Complaint narrative:
XXXX XXXX XXXX and UNITED AUTO CREDIT C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of United Auto Credit should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA XXXX XXXX home owner ) for my kids, XXXX XXXX  XXXX  and UNITED AUTO CREDIT C should update my monthly payment as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.

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 2021-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
Fifth Third Bank has continued to mess up my payments since XX/XX/2021. My payment record has been immaculate until XXXX when I switched accounts to pay for the loan. I have called Fifth Third Bank numerous times to resolve the issue, to pay over the phone, and to remove the " defaulted '' payments from my record since it was their system causing issues. This has yet to resolved and has caused my credit to plummet. In XXXX, they LOST my payment and have not been able to recover it, despite the money being taken out of my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
BRIDGECREST CREDIT C and XXXX XXXX XXXX C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.

Company response to consumer: Closed with explanation