vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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:
I have provided Equifax with all the necessary documents to prove that I am a victim of Identity Theft. I even gave them a name and showed proof that not only was my social security number was used and compromised but also m drivers license number as well. Equifax has failed me and has not taken my dispute serious. They have not removed any accounts nor did they do a thorough investigation. I filed a report of my Identity theft with the Federal Trade Commission which was sent to them as well. They are reporting inaccurate information including different names. I don't know what more they need when I proved everything they have asked for regarding my Identity theft. Nothing has been fixed! They are past the time allowed to finish a dispute which by law requires them to delete everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form 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  Account Number : XXXX**** This is not mine.

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

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

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

6. Identity ThefXXXX XXXX XXXX  Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX  Account Number : 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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/21 a scammer posing as my girlfriend on the app Venmo requested {$400.00} stating that they needed it for groceries and because they left their wallet at home and that they would pay me back. The scammer used my girlfriends name and profile picture. I sent the {$400.00} because I thought it was my girlfriend. I reported this as fraud to Venmo and all they have done is continue to blame me and state that there is nothing they can do. They said they would investigate the issue but also said I would never be issued a refund if the money could be recovered. This is NOT okay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I opened an account with ally bank, sent deposit slip and XXXX check that clearly said us. Dollars printed not written. At first they claimed not to have received it then e mailed they have it but they dont cash foreign currency, I told them it clearly says American dollars they said to look for it in the mail, they lost it I am now out XXXX

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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Dear Sir, I am XXXX XXXX from XXXX, recently I have been in contact with a seller of a car on XXXX, I use to be very carefull when it comes to buy but this time the seller I think is a scammer. 

I have bought many cars in US and this is the very first time I've got trapped. 
Before paying I got the seller passport, spoke to hime over the phone, asked for many pictures even some hard to find details for a non knowledgeable average connoisseur to make sure I was buying from someone honest. 

Then I paid the car to his bank account XXXX XXXX asked a shipping company to pick up and the seller wasn't answering anymore. 
The advert also from XXXX. 
And somehow!! the advert is again on. 

https : XXXX I was wondering if it's the same scammer, probably yes. 
You will find all the attached details, link, bank account below : Name of the seller and bank details where I have wired the money to ( probably fake ) XXXX XXXX XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell Phone : XXXX XXXX XXXX Email address : XXXX Wire Instruction : Account Name : XXXX XXXX Bank Name XXXX TD Bank USA Checking Account # XXXX Best regardsSwift code : XXXX Routing # XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX First he has sent me the saving account!! But the money has bounced Saving account : XXXX Now with the checking the money has been cleared on his account. 

Hopefully you can do something about that, I have been trying to find a number to contact the bank where the money has been sent but no success, may be the police will certainly have the power to get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX  for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my XXXX  insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you

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 2021-06-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
So I contacted Fifth Third and asked for some ways in getting old statements from 2019. I ALSO told them I was NOT receiving my statements monthly. We investigated and found out that Fifth Third did not send my whole statements monthly. Only the first page of the statements. Usually the lady said it's like 6 pages long explaining what was coming in and coming out every month of my account. She said they failed to do something on their end to fix that. So then I spoke to a lady who was very hard to understand. Hardly spoke English I then asked to speak to someone who did speak English she then told me there was no one available. I told her tons of times that i only wanted statements that was not to be charged for research. I kept telling her over and over I wouldn't have to do this is Fifth Third did not fail to send me my full statements. I then was charged XXXX on my account and then I called back to customer support and she said it was for research fees. She also said they was mailed out in XXXX and I have yet to receive them. The point I am trying to make is if they would of made my statements correctly I could of pulled them from my end and my files and I wouldn't of had to call them for help in the first place. So basically I was charged XXXX on my account and I still have not received those documents. I was only wanting the ones that was free so to speak and because this lady spoke not English she did NOT understand that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IN

Complaint narrative:
For clarity, this is a complaint regarding my Revolving Credit Utilization Rate you are INCORRECTLY reporting. 

Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX  XXXX XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.

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 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I lost my job in XXXX due to COVID-19. I missed exactly 2 payments. From XX/XX/XXXX to XXXX XXXX. I was able to get in good standing in XXXX when I got a new job. However I called Capital One and asked for a Goodwill Adjustment on those payments since they happened exactly at the cusp of the Pandemic. And Ive had that account for exactly 12 years. Since XXXX They said there was nothing that they could do. But I think this is ridiculous due to the fact that they were well aware of the pandemic. I'm really trying to get everything back together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 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: Waterfall Revenue Group
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form 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 XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft WATERFALL REVENUE GROUP Account Number : XXXX This is not mine. 

XXXX. Identity Theft WATERFALL REVENUE GROUP Account Number : XXXX This is not mine. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX This is not mine. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form 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 BMW FINANCIAL SERVICES Account Number : XXXX This is not mine. 

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

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

4. The inquiry was not authorized XXXX XXXX XXXX  This is not mine. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with US DEPT OF ED/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/XXXX  claim I owe. US DEPT OF ED/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
This Dept Collection Company is falsely trying to collect a payment from me and the dates are way off and not correct. I have informed the credit XXXX of this issue and XXXX is still on my credit report. 2nd- Issue.. This is not my account I have never received any notice from anyone with this company so I am filing this. Thank You!

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 2021-06-03 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting accounts on my credit file that must be removed. I recently took a look at my credit file and noticed some accounts still reporting. I paid these accounts a very long time ago and am now asking that Outsource Receivables remove all the accounts from my credit file. First off, I never received a 30 day right to dispute notice before they ever reported on my credit which is a violation under the FCRA. Immediatley after I noticed this debt it was paid and it was all medical debt that I was under the assumption had been covered. However, Outsource Receivables continues to report negatively on my account despite this being settled. I am aware that since they are the original furnisher they can report to the bureaus as they deem fit and ask for a deletion letter to the bureaus stating the accounts should be removed from my credit file. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have tried to use my account with BBT/Truist bank and bank will not release my funds, I have talked to many people.I am XXXX XXXX and XXXX.I need to be able to write checks from my social security deposits.Dates I have had noo access to my social security money from XX/XX/2021 to XX/XX/2021 .I bank with BBT/truist is XXXX XXXX Ga XXXX and in XXXX GaXXXX XXXX I need to pay my bills and write checks.I have opened another account at different bank buit social security wont start that ban until XX/XX/2021.

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 2021-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My complaint is with Newrez my existing Mortgage Company. Because I was approved for modification in XXXX. I started looking into refinancing in XX/XX/XXXX. I was approved by XXXX XXXX XXXX at a interest rate of 2.75 %. Before the process was complete in early XXXX I was contacted by XXXX XXXX of Newrez. Who said he would match that offer and the closing cost would be 60 % less because I was an existing client. I filled out all the e-documents and provided all necessary information. The Conditional Approval I received had a interest rate of 3.375 % XXXX XXXX told me it would be adjusted at closing. I have not heard from him since XX/XX/XXXX. There was a hard stop placed on my application and no one at Newrez could tell me why. I spoke with XXXX XXXX. Who is my Loan Processor at Newrez. Who told me he didn't know what happened but the hard stop would be removed by in early XXXX. So that it could go to the Underwriting but after 4 more weeks it still have not gone to closing. It has been almost 3 months and nothing has been done. Today I received a new e-documents that says my interest rate is 3.488 %. It has gone from 2.75 % to 3.488 % since I began working with Newrez and no one is currently spoken with me personally about this. After dozens of calls. It is well past the 30 days I was told it would take or the 60 days it would normally take. I past on a deal I had in place to take this offer from Newrez but they've been doing their best to fulfill their part. They have been totally negligent and fulfilling their part of the deal and keeping me informed. I wish this have been completed already I'm going into my 90th day of this process. Which is why I think my interest has increased because it's been over 60 days and they're not making me a new offer with a higher rate. I put the blame on XXXX because he initiated this but has not been transparent with information that I need to know during this process I reached out to him several times but now he's saying that I was on a Do Not Call list even though I have called him dozens of times and left messages which you did not respond to any of them. Please do what you can to help me resolve this issue I am now beyond the point where I can do things on my own. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX Please govern yourself accordingly.

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 2021-06-03 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: WA

Complaint narrative:
I submitted a dispute of a collections account due to not having any knowledge of the account and not receiving any response after requesting validation from the collections agency. Both TransUnion and XXXX investigated and removed the collections from my report. Equifax was the only major provider to refuse to remove the collection. It's absolutely clear that Equifax did not properly investigate this dispute as required by the FCRA.

Company response to consumer: Closed with explanation