vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: MD

Complaint narrative:
I just went to both Equifax and XXXX XXXX Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

Equifax and XXXX, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i sent XXXX XXXX, Transunion a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! XXXX deleted all these accounts and sent me notifications that they did so. but XXXX, and transunion credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.

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 2020-07-23 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: NY

Complaint narrative:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

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 2020-07-23 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: NY

Complaint narrative:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: MD

Complaint narrative:
I just went to both XXXX and Transunion 's Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

XXXX and Transunion, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.

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 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have reached out to National Credit Systems Inc., company several times, informing them that a debt in the amount of {$4400.00}, they were claiming that i owed was not my debt & to providing me with proof that it was my debt. Document ( s ) showing my signature & any other relevant proof. They said it was for housing/apt that i rented, in another county, in XXXX. Which i have been residing in my residence since XXXX. The company just kept sending me a letter that was stating that i owed it & they sent me paperwork with my name typed on it. I called several times & spoke with the same rep that was very rude & said that she will not remove the debt & that i then need to go file a identity theft with the police dept. Now they have not responded to any letters that i send them & they have reported this to the credit bureaus which has caused a financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Tel : ( XXXX ) XXXX Email : XXXX SS : XXXX Dated : XX/XX/2020 To Whom it May Concern : On XX/XX/2020, I received notification from XXXX, XXXX and TXXXX regarding a collection matter. I immediately open my credit file and saw that Afni place {$360.00} collection on my credit report reducing my score by 26 points. I have struggled very hard to pay my bills on time and as a result of Afni my credit score falls to shambles. I immediately called Afni and notify Afni what had happen and that Dept was a fraudulent Dept with XXXX. Afni bought a fraud Dept from XXXX not knowing the history and used that fraudulent Dept to cause severe damage to my credit report which will not allow me to get credit, or get credit at a higher interest rate and have banks reduce my credit limit. Afni is responsible for the damages done to my credit report and Afni needs to get this matter resolved immediately. Under the fair credit Act Afni violated the FDCA. I believe under this violation I am entitled to collect {$1000.00} in statutory damages. I was in the process of buying a home and because of the damages by Afni, I will not be able to buy a home for my family. Afni contact information is XXXX address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Very truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2020, while trying to shop, after my credit card was declined I found out that Chase has closed my account without any notice. Upon being informed that my account was closed, I had requested to be informed of the causes that lead to the decision to close the account. All my payments have been in full and on time. I was informed that it is the bank 's policy not to do business with me and people like me and that the reasons will be described in a letter to which I have not received. 

I had not received any notification of the closure of the account, not through the mobile app which I frequently use, not through my e-mail address, not over the phone. This behavior is risky as I had come to rely on the service provided by the bank. 

While the decision on to do business with me comes as a surprise, I had at least expected to be compensated for the fees that I incurred for the annual ( not semi-annual ) memberships of {$450.00} that was terminated on behalf of the bank, and to be allowed to ( or at least to be allowed time to ) redeem the rewards that are part of the product which I had purchased. 

I spoke to the highest possible representative, and they denied my request to speak to management after 3 attempts. All my requests were denied without any compensation, despite the involuntary closure of my account due to their own inexplicable policies. This complaint is my last resort to find a resolution this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
My bank told me that i can disclose my account and routing number to the app and that they will be able to use it that way and it is doing this with every app i try pnc says they are allowing these apps to work but whenu try to use them it wont allow it to work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seidberg Law Offices, P.C.
State: AZ

Complaint narrative:
This debt was originally settled with the original creditor in 2009. Seidberg law office tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX XXXX XXXX XXXX XXXX placed a stay of garnishment on the judgement after I filed a motion and Seidberg representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: GA

Complaint narrative:
Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was living in XXXX and making ONLY XXXX YEN. I didnt earn or receive American dollars do I was not able to make my payment and They are showing as late payments. It was a financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank does not allow account to be linked to crucial online services. PNC bank users are unable to use online services that require your bank account to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND NOTICED THINGS THAT WERE WRONG AND REPORTED MY FINDINGS TO THE CREDIT REPORT BUREAUS, BUT THEY REFUSED TO REMOVE THE FRAUD ACCOUNTS. I'D LIKE TO REPORT THESE ACCOUNTS AS NEGLIGENT AFTER IT WAS BROUGHT TO THEIR ATTENTION THAT THE ACCOUNTS ARE FRAUDULENT/INACCURATE.

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 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
The debt collector threatened to call my job and find out where i was to arrest me on site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This debt was originally settled with the original creditor in 2009. XXXX XXXX XXXX tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX County Consolidated Justice Court placed a stay of garnishment on the judgement after I filed a motion and XXXX representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I believe that I am a victim of fraud and /or identity theft. for the two years, the thieves have made my life a living nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have just been made aware of this situation. 
In XXXX, I purportedly had some overdrafts in my Wells Fargo checking account. Wells Fargo charged my ( Wells Fargo ) credit card for those amounts, despite the fact I had ( and continue to have ) a savings account with them. These changes are considered as a " cash advance ''. 
I am still paying interest on those " cash advances ''. 
I have discovered that the allocations of my monthly payment to my credit card balance is divided as follows : 7 percent is paid to these credit card " advances ''. In retrospect, the remaining 93 percent is being paid to RECENT transactions I have made that either have a 0 percent interest rate or another modest rate offered at the time of that transaction. Again, the " cash advances '' were made in XXXX. The transactions that the bulk of my payments are being allocated to, occurred in XXXX!! According to the bank, I've paid approximately half of the " cash advance '' balance. This is nothing but a fraudulent business practice! The bank continues to collect interest against a 5 year old debt!! 
How much more despicable can Wells Fargo get??

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 2020-07-23 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: GA

Complaint narrative:
Theres an apartment community showing as a collection on my credit report with Equifax by the name of XXXX XXXX and creditor by the name of XXXX XXXX which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my XXXX  report which I have disputed ... I have never lived at any of these apartments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I had to get a loan while in school, the only option I had was a personal student loan and a co signer. I went through AES. I borrowed XXXX and I have been paying on this loan for around 15 years. I still owe XXXX I have tried to put this loan with another lender to help get it paid off and no one will take it. I have paid XXXX on this loan. I have asked to be on a forgiveness plan and it is not available. I am sick over this. I feel like this company is taking advantage of me and I am a single mom with XXXX kids. I just want to get rid of this loan I am not sure what else to do. I would love to have all the extra money I paid back to help pay my current bills. I really need some help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Hi, I'm not quite sure what's going on but something doesn't seem correct about this account. There is no way that this account is mine because it showed that the account was open then closed down. Something seemed so awful about this account and the way it's reporting. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.

What I am disputing : The account you have reported to the thre
e credit bureaus. My basis for this dispute is that I have no knowledge of this account.

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require.

Otherwise, please provide me with your documentation showing that this account does indeed belong to me.

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


Sincerely yours,

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 2020-07-23 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: Westlake Services, LLC
State: AL

Complaint narrative:
I CHECKED MY REPORT AND SAW FRAUDULENT ACCOUNTS ON IT AND I HAVE REPORTED THEASE ACCOUNTS TO IDENTITY THEFT, BUT THEY HAVE REFUSED TO REMOVE THEM ID LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

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 2020-07-23 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I CHECKED MY REPORT AND SAW FRAUDULENT ACCOUNTS ON IT AND I HAVE REPORTED THEASE ACCOUNTS TO IDENTITY THEFT, BUT THEY HAVE REFUSED TO REMOVE THEM ID LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Theres an apartment community showing as a collection on my credit report with XXXX  by the name of XXXX XXXX and creditor by the name of XXXX XXXX  which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my transunion report which I have disputed ... I have never lived at any of these apartments ...

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