vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
For the past year I have been asking CBNA/SHELL to remove me as an authorized user. I have called and sent letters to the bureaus and to CBNA directly to get 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 non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just made a report 2 months ago to transunion again they are playing games stating they do not understand my complaints. 
so they can understand 1. for over 10 years you refuse to give me my credit report you say I need to send in my ID and address info when I have lived at the same address for 4 1/2 years also I have sent my ID to them numerous times plus on here i have put a copy so again playing games with my credit. 
give me my credit report! do you understand that? 
2. 
you are reporting fraudulent medical bills on my credit and have been doing so for years giving me no proof they are mine after being asked numerous times to show me my signature on any paperwork. 
I have full coverage insurance and have had it for over 17 years. 
you refuse to show proof that what you have put on my credit report is mine, but refuse to take it off .Take off this fraudulent medical bills that are not mine or show proof my signature on paperwork. Do you understand that? 
also I want the your legal information, address, phone number, and person responsible so I can start a law suite against your company.

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 2021-06-02 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: NY

Complaint narrative:
These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-02 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft HSBC BANK Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I send bureaus a letter notifying them that if the failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Since I don't receive any feedback, I don't have any option but to seek legal remedies to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Westlake Services, LLC
State: VA

Complaint narrative:
I have paid off the amount with third party creditor. Creditor refuses to remove debt and is asking for more money

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will affect me with my transactions in the future and so, I would like it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
We fell behind on our mortgage due to medical issues and lost wages, and covid issues in XXXX of XXXX. I called in and explained and was told by Shellpoint that they would work with me and start accepting payments. We have been making payments that were directly taken from our account all the way up until XX/XX/XXXX. All of a sudden in XXXX, I was told Shellpoint cant take my payments anymore and was told they should have never been taking them in the first place. I was told they were going to send me a check back for what was removed from our account. Basically were were told because of the foreclosure status they should have not accepted our payments. It made no sense!!! Basically Shellpoint is dual tracking. So I applied for a loan modification and were advised the file was under review nothing was needed. The most recent time was XX/XX/XXXX. Fast forward to XX/XX/XXXX ; we receive a decline letter dated XX/XX/XXXX. It states that I am not eligible for assistance but It did not state why. On XX/XX/XXXX, I called Shellpoint to ask what the reason I was denied for and they said they didnt know. I asked if anything was documented on the account they said no reason was documented, it just said file denied. I asked if we have an appeal period as a was advised by a family attorney that I should have one. They said no. The letter didnt state why my file was denied. I asked for a supervisor and immediately were told there had no supervisors available. The issue that I have is not getting a clear answer why I dont qualify for assistance. Shellpoint had no problem taking my payments then all of a sudden had to stop and now they are selling my home. The letter was completely vague and was not clear whatsoever, which is why we called. Supposedly I have a single point of contact XXXX, but she can never come to the line/ never answers the call. Instead I get a different person each and every time I call in. The fact that I cant even get a supervisor to look into the matter, is very upsetting. My English is not the best but I believe that Shellpoint is discriminating against me based on my age, race, ethnicity, and language. I am demanding a fair review for my file. I am 9 months behind. I was making the payments after I fell behind. I do not understand what is going on. Why I cant get answer to why you stopped taking my payments in XXXX Why you cant tell me why my file is denied. 
This oversight of them taking my payments when they " shouldn't have '' and now this neglect of my file is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I filed a Bankruptcy in XXXX. I also purchased an automobile through Well Fargo in XXXX. I called Wells Fargo and told them that I was filing Bankruptcy. I later received a packet of documents in the mail to complete. I called Wells Fargo and told them I was going to continue to make my payments that the vehicle was not included in the bankruptcy. I asked if I need to go ahead and complete all of the paperwork in the packet they sent me. I was told no, just continue to make my payments. What they did not tell me was that it would show up on my credit report ( XXXX XXXX ) as the vehicle was in the Bankruptcy with the balance showing {$5600.00}. 
I have paid the automobile off there is a {$0.00} balance on it. I can and will produce documents to this effect if need be. I have made my payments mostly with a debit card out of my bank accounts and can get copies of all of my statements. 
All I want is for Wells Fargo to correct the credit reports, they have refused to do that so far. 
I have attached documents confirming I claimed the automobile as exempt and also a copy of the last/final payment to Wells Fargo.

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 2021-06-02 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:
Good Day my name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. A notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have paid off the amount with third party creditor. Creditor refuses to remove debt and is asking for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Contacted by XXXX  XXXX from phone number XXXX claiming a lien was being filed on my home in 1 hour, unless I paid XXXX for a unpaid credit card balance from 2012. This was left on my voicemail. Our file # is apparently XXXX. 

When returning the call, I was greeted by a nasty woman named XXXX XXXX, who claimed to be an XXXX County ( PA ) attorney, but she had a XXXX phone number which I found strange. She would not give me any information about the name of her company at this time, only that I owed her XXXX and I had 1 hour to pay it. Eventually after demanding the company name for over 10 minutes, she said XXXX XXXX. She said don't bother to XXXX us, because they have hundreds of branches throughout the country. I asked where she was located, she said, " It doesnt matter ''. I was instructed to go to bank and get a cashiers check or money order, made out to XXXX XXXX. She would not tell me where to send it. She said she would give me the address after she verified I had the check in hand. After numerous attempts asking her for a validation notice, to find out what this debt was for, she hung up on me. 

She then contacted my wife at work and started to harass her & the HR department for the money. When my wife refused to comply, because XXXX would not provide proof of what was owed, XXXX XXXX then contacted my wife 's HR department. She went on a rant about how my wife owed XXXX and that the HR dept had to make my wife pay the debt, or they were going to garnish her wages, effective today, and go after her company also, for not complying. Funny thing, this was my wife 's first day of work with this company, and it was her birthday... and it caused all sorts of issues for her. Her workplace was very upset about the harassment, because they thought the debt might be real. 

Then we received numerous phone calls throughout the night ( XX/XX/XXXX) and on the morning ofXX/XX/XXXXXX/XX/that the paperwork has been filed and were going to lose our home because they red tagged it, and wages will be garnished unless we paid XXXX right away, not the original XXXX. They continued to contact my wife 's workplace, demanding money the following day, and threatening to garnish wages and take our home. 

We have been banking with Capital One for 10+ years and do not owe them a dollar in past debt, so we eventually figured out this was not real due to all the harassing voicemails left and the fact that we don't owe Cap One any money. Plus the debt was from XX/XX/XXXXapparently, and the statue of limitations is 4 years in PA. But my wife almost decided to pay them because of the harassment at work all day long. Luckily they didn't take credit cards, or my wife would have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously disputed alleged Ch XXXX bankruptcy item with the bureaus In response they verified the item as accurate, stating that the information verified with the court. I contacted the court myself as the court may have violated federal and residence privacy laws by submitting such false information to the Bureau. 

The court responded making it clear they did not report or validate any information with credit bureau ; therefore the original response from the bureau stating they verified the item with the court was either an error or flat out lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), I was never sent any proof but I did get my own proof, yet the Bureaus have yet to comply. I have been being ignored for over 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Back in XXXX, Citi said that there was no credit balance on my account and that the account was closed. Then they refunded my credit balance after I filed a complaint. 

Once again there is a credit balance on this closed account because Citi accepted a refunded amount from a vendor, rather than rejecting it ( which would have allowed me to receive the refund directly ). See attached proof of credit balance.

I called Citi, and was hung up on once, then transferred, then I was told that a refund would take supervisor approval, take two billing cycles ( i.e. 60 days ), and then might be send to my bank, or mailed as a check.

I want Citi to immediately refund the credit balance on this closed account either electronically to my bank account of record, or via bank check sent via express delivery with tracking.

Sitting on a refund that they never should have received is a cheap way to steal interest from customers. Citi is awful, and should be banned from this industry.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hi. I have been a consumer of Comenity/XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted Comenity and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but they reported Me to the Credit Bureau as delinquent 60days fir XXXX. I wrote them a letter and emailed them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested due to such an unfortunate situation being out of my control if they would make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX year old son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to get the delinquent reporting pulled from My Credit Bureau. Thank You! 
Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have had a line of credit ( Mortgage ) with Pnc Bank for over 20 years. My credit score is XXXX to XXXX, They denied the loan or refinance. The loan is due XXXX XXXX for XXXX. We tried to refinance and sent them all the information required and requested. They turned me down. Then ask me to apply for loan modification. This has been going on since last XX/XX/2020. The analyst keep asking for the same thing over and over we keep sending but some of the information requested has been XXXX XXXX XXXX 's for businesses that I am a stockholder in ( sent the K-1 but they still keep asking for a XXXX XXXX  XXXX Request for information on some business that have been closed for 13 years. A home he does not own. They have tax returns income verification of every kind. There is plenty of money to pay a mortgage. 
I have no idea what is going on but it seems unfair and deceptive in every way. 
I have enough money to pay the mortgage just need an extension they are threatening us with foreclosure. This needs to be investigated because something else if going on. I have lost sleep for a year we are getting the run around here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a call from a collections agency ( Portfolio Recovery ) stating that I had opened a XXXX credit card through XXXX XXXX  on XX/XX/XXXX and had not paid on my credit, which resulted in it going to the collections agency. The amount that went to the collections agency is {$2900.00}. I requested the dispute. 

On XX/XX/XXXX, I called XXXX and asked for an explanation. XXXX informed me that I do not have any outstanding debt and that I had not created any accounts on XX/XX/XXXX. 

On XX/XX/XXXX, I called the collections agency and requested more information. The agent informed me that there was a purchase made on the account in the amount of {$4900.00} at XXXX XXXX. I informed them of my call to XXXX and that I had not made that purchase. I was informed that the agency will send me fraud application form in the mail.

Company response to consumer: Closed with explanation