vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renew Financial Holdings Inc
State: PA

Complaint narrative:
In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).
I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXXt/Renew Financial stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXXRenew Financial to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX/Renew Financial account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXXRenewal about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact Renew Financial. 

The phone number at the Renew Financial office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, XXXX. 

I have also attempted to contact Renew/XXXX XXXX via email and through the form on the Renew/XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in numerous dispute letters and validation letters to Equifax Information Services, LLC. Equifax Information Services, LLC does NOT investigate XXXX XXXX XXXX Equifax Information Services , LLC sends back a letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and Equifax Information Services, LLC is breaking the law by not abiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CA

Complaint narrative:
I AM XXXXXX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion andXX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XXXX of XXXX I was the victim of identity theft. 
Capital One Auto took two unauthorized withdrawals ( ACH ) from my checking account XXXX at XXXXXX/XX/XXXX in XXXX Wisconsin. The first on XX/XX/XXXX for {$1300.00} Capital One 's reference number on that withdrawal was XXXX XXXX. The second on XX/XX/XXXX for {$1300.00} Capital One 's reference number was XXXX XXXX. I contacted Capital One and they siad I should fax the documentation to XXXX which I did on XX/XX/XXXX. They told me it would take up to 45 days to get my money back. I never received the money back. On XX/XX/XXXX they attempted another ACH in the amount of {$1300.00} their reference number Carpay XXXX. My bank refused the transaction. 

I did file a report of identity theft in XX/XX/XXXX with the FTC and my local police department. 

I waited 45 days to follow up on my claim with them but I did not keep a log of my calls. I should have, but all of them ended up with me not getting to talk to a person that could or wanted to help me. 

I attempted to contact Capital One ( numerous ) about the status about the first two withdrawals but all attempts to get help failed, no one said they could help. After voice prompts and finally getting to talk to a person several times they said they would transfer me to someone who would help, but all I got was 15 minutes of music each time, then 3 clicks and the call ended. 

I again faxed them on XX/XX/XXXX ( the number they gave me back in XXXX ) and asked for them to contact me, and I lincluded documentation for all three fraudulent ACH 's. I am not getting any response. 

My attempts to talk to someone at Capital One yesterday XX/XX/XXXX and today XX/XX/XXXX also failed to get any action or hope of contact. 

I did recover unauthorized ACH 's from numerous other companies and banks back in XXXX, but nothing from Capital One Auto. I am frustrated that every time I attempt to call them I get a dead end. Clearly they can tie these withdrawals to the person that initiated them and apparently they didn't even bother to investigate my first claim or flag the loan that the payments were paying as suspicious. 

My original fax to Capital One only contained documentation for the first withdrawal, I mistakenly assumed both would be refunded, but neither of them were refunded. 

Clearly they are able to identify the person that initiated the withdrawals but obviously they don't care to. They a facilitating theft. they claim to care about fraud, but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft, I REPORTED THIS IN 2016 and several of the items on my credit report is not mine. I have also notice that one items have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX ( ACCOUNT WAS CHARGED OFF AND NOW HAVE BEEN ILLEGALY RE-AGED ), XX/XX/XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XX/XX/XXXX # XXXX, XXXX. XX/XX/XXXX XXXX # XXXX,XX/XX/XXXX # XXXX, XXXX XXXXXX/XX/XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My social security number and maiden name were used by someone to open an account at Capitol One and charge {$1400.00}. I never opened an account with Capitol One or lived at the mailing address listed. ( I am a legitimate secondary user of my husband 's account with that company which I was added to after we married ). 
At some point, after non-payment, Capitol One sued the person using my name in a county court in Missouri and now there is a judgement attached to my social security number. 

I am attaching the court judgement documentation and also a copy of the legitimate account my husband and I share showing that we are in good standing with Capitol One. Any other account with my social security number is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has not verified the inaccuracy on my consumer report after several attempts at messages to have them correct the information. 

Initially, I sent them a letter, dated XX/XX/XXXX, verifying my identity and telling them my correct addresses and names. Soon thereafter, Equifax deleted old addresses and incorrect names from my consumer history. 

After searching through my Equifax consumer reports, I found a negative item that was not accurate, so I mailed two nearby courts to figure out which court had reported this information, and received two responses that indicated they did not send this information to Equifax. 

On XX/XX/XXXX, I sent Equifax a letter disputing the incorrect entry on my credit reports, named US BANKRUPTCY COURT-XX/XX/XXXX. 

In response, Equifax sent a letter, dated XX/XX/XXXX, indicating they could not find my data in their system, and they would need me to send additional identity verification documents with my dispute. However, Ive already sent the identifying documents with the XXXX letter, and Equifax made the subsequent changes to my file without any issues. 

On XX/XX/XXXX, I sent a response to Equifax indicating they were in violation of the FCRA guidelines, as they never response to my previous letter, and never made any correction or change to the disputed information on my consumer report. 

Equifax sent me another letter, dated XX/XX/XXXX, that they could not locate my consumer report, and still need additional verification documents. 

On XX/XX/XXXX, I sent another letter to Equifax demanding they remove the inaccurate information, since they never responded to my dispute, and it has now been over 60 days since this dispute was initiated. 

As of today XXXX XX/XX/XXXX XXXX, Equifax has not responded to my previous letter. In fact, Equifax has not responded to my dispute in almost three months. Equifax has violated numerous rules and ignore proper procedures by refusing to verify this inaccurate information. 

I have obtained multiple copies of my most recent Equifax consumer reports, and Equifax has not removed this inaccurate entry. Their illegal practices are very damaging to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

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 2021-02-24 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: FL

Complaint narrative:
Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/2021 at XXXX I called capitol ones customer service and they told me they would help me out since I've been going through some hardship and they promised me they could pause payments for 1-2 months and it wouldn't affect my credit. But they continued to charge a negative to my credit score impacting it majorly! This upsets me cause I was promised help but in the end I was screwed over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XXXX XX/XX/21 i tried to make a purchase of gas, when the card gave an invalid passcode error..knowing I was using the correct passcode I entered it twice more, which locked the card. I called the number on the card and was told to wait 24-48 hrs to " UNLOCK '' it..In using the automated system to unlock my card I was given tranaction information and heard a " BANK TRANSFERE '' in the amount of $ XXXX.Knowing that I had not trnsfered funds to my bank, I immediately tranfered to speak w a live rep. who told me that the transaction was indeed made BY PHONE, for the amount of XXXXshe could not give me any more information as to who/where the transfer was made..I looked at the account online and was able to see a " TVR '' Transfer, in which I was told that TVR stands for telephone transfer..Knowing that the bank info was not my bank I immediately called nback to AL way to go card services to report the name of the bank along w what appeared to be an account number. I Reported this as fraud, t and was issued a new card. 
I was the sent forms to fill out to make the claim in writing and to receive a credit of the funds ..I faxed the forms back and the next day called to confirm receipt of the fax and was told that my claim was denied ... When I inquired as to the reason..I was told that there was " conflicting information '' when I asked what the conflict is, I was told that I will receive a letter stating the reason within 3-5 days. and that I should file a report w local law enforcement. I asked for the investigation letter to file w my police report ... I received the letter 10 days later with no detailed explanation..I called again and was told would receive a letter explaining the decision..After 2 wks of no letter I called again today ( XX/XX/21 ) and was told there is no letter with details and that the denial of my claim was due to " MY SPENDING HABITS '' XXXX I have asked that my claim be reopen and an actual investigation be done. For them to state my spending habits as a reason not to investigate and deny a fraud claim is reprehensible and irresponsible for any company entrusted with servicing government funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
The Winn law group has a lien on my home and refuse to settle with me. I have made several attempts to communicate with them left several messages spoke with a representative by the name of XXXX she gave me amount owed then never answered my calls again. I want to settle and they make it impossible almost as if they dont care to settle. They have my wages garnished since 2015 and never have gotten correspondence from them to clear my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CASHCALL IS REPORTING AN ERRONEOUS ACCCOUNT ON MY CREDIT REPORT. When I requested validation of this account they provided a contract that had NO signature of mine and could not prove the ownership of this account. This is NOT my account I never applied or received money from Cashcall especailly for a loan at {$310.00} ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo Bank ( XXXX Alaska ) gave unauthorized access to safe deposit box letting family member empty box with No accountability without any documentation correct paper work. Bank called to inform me of the error. Asked the family member to return the items they have refused. The bank is not taking responsibility for their error and acting like there is no problem.

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 2021-02-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out XXXX XXXX, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I first contacted city bank to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from XXXX indicating me that my credit sore drop XXXX point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop XXXX XXXX, in addition I never gave City Bank consent to pull my credit. I fill strongly deceive by both City bank, as well as XXXX. I tried reaching to XXXX to there supervisor XXXX XXXX via email but he has never replied. I talk with City bank they told me that they would have XXXX remove the inquiry immediately. Yet they have not I'm asking CFPB to have XXXX to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance XXXX 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