vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern I The debtor want to agree to settle on three credit cards i owe money fund to i'm willing to do my amend to paid if a agreement is accepted is the total amount of {$9700.00} last payemnt done on this card was XXXX XXXX this debt add up from three credit card from Capital One Bank USA i ask if my request be granted accepted i'm wiliing to the best of my abilty to pay down on a lower arrangement payemnt, please i ask that if so that i recieve an email or phone call so that i could start with a settllement. 

Respectfully Debtor vs Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021, I made an international cash transfer using XXXX XXXX but through my Navy Federal Credit Union account. The amount was {$3600.00}. 
For some reason that was never disclosed to me, the transaction was canceled by XXXX XXXX. At the time XXXX XXXX told me that I had to wait up to 12 weeks in order to get my money back. 
The 12 weeks elapsed on XX/XX/2021. Several times, I contacted XXXX XXXX and Navy Federal Credit Union in order to get my money back. So far, nobody has been able to tell me where is my money and how to get it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 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: CA

Complaint narrative:
I demand they remove these inquiries of my credit report. I did not authorise these on my credit. XXXX and Transunion refuse to remove them from my credit report.

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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to call Wells Fargo on Saturday XX/XX/2021 to close my account. The representative who I spoke with would not close the account, and gave me a difficult time. He repeated a statement regarding a third party several times, and would not assist me with closing the account. My wife was in the background assisting me, but I did not give him permission to speak with her regarding the closure of the account. I feel like this is a delay tactic that this bank is using. They make it very difficult to close accounts. 

I want this account closed immediately.

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 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a credit report showing a new inquiry from Amex I never applied and received a Amex card. I contact Amex was informed there is no account under my name. The inquiry knocked 80 points off my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The nature of the complaint is based on a failed fiduciary responsibility by Citizen 's Bank ( XXXX XXXX and XXXX XXXX ). Additionally, real estate specialists XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ) in conjunction with the aforementioned financial institutions did not exhibit sufficient professional competency. A gross lack of professional expertise wa s displayed in this faulty real estate transaction between XXXX and XXXX. The property in question is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. I, XXXX XXXX, was adversely effected by excessive delays, unethical practices and manipulation as it relates to the closing date ; this was orchestrated by Citizen 's Bank and the associated real estate agents. Supporting information : I signed a sales contract in XX/XX/XXXX in which I obligated myself to be ready, willing and capable of purchasing the property at XXXX XXXX XXXX, XXXX XXXX MI XXXX. The XXXX family, ( father and son ) also signed the same sales contract obligating themselves to deliver their title interest to me upon my satisfactory completing of my contract ual obligations. XXXX XXXX, representing the XXXX XXXX  XXXX XXXX. Of XXXX XXXX XXXX, XXXX, MI XXXX was/is the listing agent. On XX/XX/XXXX, he decided to withdraw from the real estate just before closing, sighting the long delays between responses with XXXX XXXX as his reason for not finishing. In addition to the physical work required to bring the su bject property up to city code, I spent hours, personal resources ( including but not limited to monetary value ) and had the help of many supporters in this real estate transaction which benefited the XXXX family and Citizen 's Bank. The value of the property at XXXX XXXX XXXX XXXX was substantially increased at my expense. I was forced to seek legal assistance, via a mechanical lien, to acquire partial compensation for the energy and money I put into the property. Your investigation into this matter is requested. Thank you for any assistance youre willing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: NJ

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, Experian is reporting late payments on an account that was closed XX/XX/XXXX. I called XXXX and they claimed that they reported as a charged off account and wsa closed. However, Experian are reporting late payments which from my understanding is illegal. If an account is closed and there was no payment plan set-up with the company to settle the debt yet, or sold to an agency to collect the debt, then there should not be a credit reporting as late payment. There was a similar problem in the past before with the same account as and we're removed.

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 2021-09-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused 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 non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I received a letter on XX/XX/XXXX, from Jefferson Capital ( dated XX/XX/XXXX ), alleging that I owe a debt that to XXXX XXXX XXXX for {$380.00}. I had XXXX in XXXX and early XXXX, so I sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising I had 14 days to tell them what I was disputing. I have never received a response from Jefferson Capital. This is interesting, because I asked Jefferson Capital to validate the debt and send me a copy of the written agreement bearing my signature, to provide all the contact information regarding the original creditor, provide proof of the amount and age of the alleged debt. Is XXXX XXXX XXXX the same as XXXX XXXX XXXX? Because my credit report is showing XXXX XXXX XXXX  I am unclear as to if this is the same company which is a violation of the law. 

A day later ( XX/XX/XXXX ), I received another letter ( dated XX/XX/XXXX as well ) with some statements from XXXX, XXXX, XX/XX/XXXX that had my name on it sent to a po box in Georgia that I do not recognize from XXXX XXXX XXXX, but they have yet to provide the original contract, or any original agreement with my signature that created a requirement for me to pay the alleged debt. I was living in in Arizona at the time these invoices were created. 

A week later ( XX/XX/XXXX ), I received another letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that they are unsure of what my dispute is about. 

On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX, advising that I was not specific with my dispute. 

I do not not recognize this alleged debt that is being reported on my credit report and so I sent another letter asking them to validate the debt by providing the original written agreement bearing my signature for the 2 accounts showing up on my credit report. I have not received it. 

At this point, they are sending me letters every 2 days and it is becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper was the loan servicer. XXXX XXXX I applied for loan modification. I keep looking at website for update. I called in XXXX and they said it was still being reviewed! I looked today and its said its under review! However I received a letter that its been sold to another mortgage company! 

This should be unfair! Im waiting on a loan modification and they just sell the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
I, XXXX XXXX, Id declaring that I am the one submitting this complaint and there are no third parties involved. I fully aurhorize Transunion all necessary corrections I am demanding. As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Transunion and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Transunion via USPS, certified Mail # XXXX. I mailed it on XXXX XXXX. USPS confirmed my correspondence was received on XX/XX/2021. Transunion still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 9 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.

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 explanation
Consumer complaint received 2021-09-19 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:
Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: PA

Complaint narrative:
Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. 

The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC
State: NE

Complaint narrative:
On XX/XX/21, I applied on a application for mortgage loan. I did not qualify according to the lenders standards. the lender violated the fair credit report act and other application laws and regulations by giving our real estate agent credit information that they were not required by local and federal law to have. This caused us to lose the home we put an offer on and damaged our relationship with the local real estate agent. 

The loan officer was XXXX XXXX XXXX with Benchmark Mortgage. NMLS # XXXX. 

Numerous phone calls and text message were exchanged back and forth regarding the transaction. 

It is un professional for a lender to share specific information to a real estate agent that can cause harm or change their ( the agents ) mind in providing a service for their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Certified mailing was sent to Midland and dated XX/XX/2021 requesting that they verity the debt and the requested information requested to verify the debt was never received from Midland and then I noticed when pulling my credit report in XX/XX/2021, Midland had placed the UNVERIFIED and INACCURATE account information on all 3 of my credit report. 
( Please see a copy of certified letter send to Midland requesting that they verify the debit. 
( Please see a copy of printout from USPS showing that Midland received the certified letter requesting the verification of the debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
Filing another complaint : Company : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX. 

XXXX XXXX was my mortgage lender. they violated the CARES Act : My mortgage account was in forbearance as a result of covid-19. The cares act states that mortgage forbearance as a result of covid 19 CAN NOT be NEGATIVELY reported to the credit bureaus by lenders. I have reported and my credit report is still reflecting missed payments. payments were not missed. i need loancare to write a letter to the 3 credit bureas stating to change missed payments to green on time payments. their reporting has negatively impacted me so that i can not get approved for another mortgage. 

My Loan is paid off and they still will not answer the phone, will not contact me, and refuse to fix the negative missed payments showing as red x 's for 10 months in a row on my report. I am being penalized for financial hardships during XXXX since i have paid my loan in full.

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 2021-09-19 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:
Filing another complaint : Company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. 

XXXX XXXX was my mortgage lender. they violated the CARES Act : My mortgage account was in forbearance as a result of covid-19. The cares act states that mortgage forbearance as a result of covid 19 CAN NOT be NEGATIVELY reported to the credit bureaus by lenders. I have reported and my credit report is still reflecting missed payments. payments were not missed. i need loancare to write a letter to the 3 credit bureas stating to change missed payments to green on time payments. their reporting has negatively impacted me so that i can not get approved for another mortgage. 

My Loan is paid off and they still will not answer the phone, will not contact me, and refuse to fix the negative missed payments showing as red x 's for 10 months in a row on my report. I am being penalized for financial hardships during XXXX since i have paid my loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: PA

Complaint narrative:
I HAVE SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!

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 2021-09-19 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: IL

Complaint narrative:
Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}

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 explanation
Consumer complaint received 2021-09-19 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: IL

Complaint narrative:
Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}

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 non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I opened an account w/ experian XXXX and followed their advice and my score dipped 156 points. I keep closing the account and canceling and they keep reopening it and charging me w/out my permission. They also continue to check my account and access my records w/ out my permission

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