vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
Name of the debt collector, including name, address, and phone number : Wake field and Associates, Inc. 
XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX Please refer to account number XXXX. 

Wake field and Associates, Inc. 
XXXX XXXX XXXX  XXXX XXXX, TN XXXX Dear Consumer, Financial Protection XXXX XXXX CFPB ) I am responding because I have made a complaint regarding Wake field and Associates, Inc. about collecting a debt that is fraudulent. 
I do not have any responsibility for the fraudulent debt Wake field and Associates , Inc. is trying to collect. 

If Wake field and Associates, Inc. have good reason to believe that I am responsible for this debt, mail me all the documents clearly with my signature agreeing or consenting for treatment/bloodwork, insurance claims, etc. 
Just as my last complaint to CFPB, I have asked Wake field and Associates, Inc. to stop all communication with me and with this address per 15 U.S. Code 1692c - Communication in connection with debt collection, and record that I dispute having any obligation for this debt.

If Wake field and Associates, Inc. stop the collection of this debt, and forward or return it to another company/debt collector, please indicate to them that this fraudulent debt is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is fraudulent/disputed. 

Wake field and Associates has engage in egregious violations of the law, including phantom debt collectors by obtaining my personal information through a variety of means and then contact those/me and claim I owe a debt, when in fact the debt is entirely fraudulent/fabricated or is otherwise not owed to the collector. Wake field and Associates Inc. Uses abusive debt collection practices by placing questionable debts on my credit reports without first communicating with me about the debt. 

Wake field and Associates does NOT adhere to a number of laws and regulations, which govern topics as diverse as telephone communications ( e.g., the Telephone Consumer Protection Act, or TCPA ) and furnishing information to credit reporting agencies ( e.g., the Fair Credit Reporting Act, or FCRA ) as well as various state statutes. Wake field and Associates harassing, oppressing, and abuse me the consumers ; ( 2 ) utilizing false, deceptive, or misleading representations or means when collecting or attempting to collect ; and ( 3 ) using unfair or unconscionable means to collect a debt Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: NY

Complaint narrative:
on XX/XX/2021, i wrote XXXX about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent Equifax letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
on XX/XX/2021, i sent CONTRACT CALLERS INC. a letter for a alleged debt of XXXX that i do not owe nor have any business contacts with him.I requested the validity of the debt on XX/XX/2021 and has not heard from them as of yet.

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 2021-06-26 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: MD

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 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, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file due to this credit card. I tried multiple times closing this card and no action was taken by the company. I first closed the account in XXXX of 2021 which the company refused to process my request and continued to list late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: MN

Complaint narrative:
There's an account on my credit report that do not belong to me. Please remove it in its entirety.

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 2021-06-26 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: MN

Complaint narrative:
There's an account on my credit report that do not belong to me. Please remove it in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was threatening cops were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told att that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to ups that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXXXXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion automatically enrolled me in credit monitoring services when I requested a free credit report. Never was I asked if I wanted this and if I was I would have said no because it is offered through my employer for free. 

There were 4 charges made to me when I called to find out what these were and then asked for a refund they said no we can only refund the payment for XXXX. Receipts are below : Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Refund Method Amount Refunded {$0.00}

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 monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Complaint We applied for prequalification of a house mortgage loan in XX/XX/2021 with Fifth Third Bank and got an approval. We get services at the branch located at XXXX XXXX XXXX, XXXX, KY XXXX on XX/XX/2021, we submitted the application for the house mortgage loan ( loan app # ) and received denial based on a technical error on XXXX XXXX. We contacted the bank soon afterwards about the error and the bank acknowledged that this was a mistake that should be corrected, and we should be able to fulfill the criteria to receive a house mortgage loan before the closing which was scheduled on XX/XX/2021. 
The bank officials involved in the loan processing endlessly and needlessly prolonged the process despite prompt submission of documentation and evidence from third parties and us about the error beyond the scheduled date of closing. During this period spanning almost 2 months, the banks officials repeatedly gave us false reassurances that the application will be approved leaving us no time to apply to other lenders. Subsequently, we were informed on XX/XX/XXXX via phone text informally that the loan is approved which was after the scheduled closing date. This left the parties no time to complete the transaction and sellers and buyers had to terminate the purchasing contract as there was no time to get the loan application processed by another lender. 
We are concerned that this episode not only reflects incompetence and negligence on the part of the officials involved but at the same time may indicate a deeper problem of discrimination based on our XXXX and national origin despite fulfilling all the criteria to qualify for mortgage loan approval. This has created an emergency housing situation for our family. 
We have been a customer of 53 bank for more than 10 years and have large sums in our account, with high income to debt ratio and excellent credit scores but have been treated by your institution in the worst possible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called bbva and spoke to no less than 3 representatives about a credit card that they're reporting to the three credit bureaus. This credit card wasn't opened by me. For some reason they wasn't able to locate the card in their system. This card is reported opened on XX/XX/2014, with a {$20000.00} limit. Ironically it is in good standing but I did not open this card or have it in my possession. Please investigate. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am being charged and held responsible for a fraudulent purchase done on XX/XX/2021 using my PayPal credit account in the amount of XXXX at XXXX The ordered products were never received and as per PayPal terms they should resolve this issue

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 2021-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XXXX financing has been charging me late payment fee and interest on my balance due to an issue on their end. My address in their system is incorrect due to which i was not receiving any bills or statements. I have tried to explain this issue to their customer service multiple times, they did update the correct address but have not removed incorrect fees and interest billed to my account. I am clear that i will not be paying these fees as it was a problem on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: MN

Complaint narrative:
There are some accounts still listed on my credit report that do not belong to me. Please remove it. 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 2021-06-26 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: MN

Complaint narrative:
There are some accounts still listed on my credit report that do not belong to me. Please remove it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am requesting lender to remove PMI XXXX XXXX and lender not get information how is appropriate PMI cancellation procedures. 

Lender Refuses to Cancel the PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I find it very hard to believe that a proper investigation was conducted by the credit Bureau when only the year of my birth was on my credit file. They did not have the month and day i was born on my credit file. They also did not have the correct and current employer. Due to these important pieces of information being inaccurate or missing. I find it nearly impossible for them to conduct an accurate and true investigation. They denied my disputes time after time but how could they conduct their investigation without my date of birth and current employer being on file. I will be sending a dispute letter to your bureau on XX/XX/2021 with all the inaccuracies on my credit file. And due to your failure to conduct an accurate investigations on my disputes i feel that my requests should be honored. Because i have proof that my date of birth was not on my credit file and your bureau denied the dispute without that very important piece of information. I also reached out to the creditors CEO 'S and i have letters from two credits stating that they will extend a goodwill adjustment to me. These letter will be attached to the XX/XX/2021 dispute letter. Due to these inaccuracies and your bureaus failure to conduct an accurate investigation my credit score has dropped 47 points.

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 2021-06-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After my XX/XX/2021 complaint to the Credit Bureau several of my credit accounts on my credit file were completely removed. Years of credit history were completely removed off my credit file. And today XX/XX/2021 my credit score dropped 47 points as a direct result of this. I did not ask for my credit account to be completely removed off my credit file. Nor did i ask the creditor to notify the credit bureau to remove the credit account off my credit file. Also i find it very hard to believe that a proper investigation of my disputes were conducted because my employer was not accurate and up to date. How can the bureau conduct an accurate investigation if my employer wasn't correct. Due to these inaccurate information i believe that my request of the removal of delinquent payments. As well as an update of my name with the spelling of my full last name and middle name.

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 2021-06-26 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: MN

Complaint narrative:
There are some accounts still listed on my credit report that do not belong to me. Please remove it. 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 non-monetary relief
Consumer complaint received 2021-06-26 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: NY

Complaint narrative:
After my XX/XX/2021 complaint to the Credit Bureau several of my credit accounts on my credit file were completely removed. Years of credit history were completely removed off my credit file. And today XX/XX/2021 my credit score dropped 47 points as a direct result of this. I did not ask for my credit account to be completely removed off my credit file. Nor did i ask the creditor to notify the credit bureau to remove the credit account off my credit file. Also i find it very hard to believe that a proper investigation of my disputes were conducted because my employer was not accurate and up to date. How can the bureau conduct an accurate investigation if my employer wasn't correct. Due to these inaccurate information i believe that my request of the removal of delinquent payments. As well as an update of my name with the spelling of my full last name and middle name.

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