vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: CA

Complaint narrative:
I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO 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
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both Transunion & XXXX since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A Transunion Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated Transunion get their verification for Bankruptcies directly from the courts. And I was told this before also by a XXXX Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by XXXX & Transunion , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both Transunion & XXXX are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
XX/XX/2021, I tried to log into my XXXX XXXX card account at https : XXXX. When I went to log in, it stated " Were sorry. Due to the status of your account we are not able to grant you access at this time. Please contact our Cardholder Service department at the number on the back of your credit card. '' I did just that. They went on to tell me the card was reported lost/stolen and couldn't say by whom. I DID NOT report this. They went on to say another card will be sent to my address. I was like ok. Weeks go by, NOTHING. I called back and they said the account was reportedly opened fraudulently. I went on to tell them, I was the one that opened the account and there was NOTHING fraudulent about it. After another call, I was advised to call and speak to XXXX at XXXX ext XXXX. After a week, I was able to speak to him. He stated it appears the account was opened fraudulently. I advised I approved this application and applied for it. He was confused. I again told him I applied and wanted this account as I have made purchases and made payments from MY bank account already. He said great and was going to close the fraud investigation and to call customer service back to get a new card sent to me. I called them back, they said they can not reopen the account as there is an investigation. I advised it was just closed by XXXX. Nothing they can do. Was also told to fax a letter stating I applied for the account and there is nothing fraudulently with a copy of my drivers license and SScard. I did just that to XXXX. Still no reply. Weeks have gone by and no-one is helping me. It shows as CHARGED OFF on my credit. I am willing to pay this account. I would like for it to be reopened so I can continue my business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore loan management foreclosed & sold my property without my acknowledgement, signatures or any attempts to involve me in the process. I was a co-applicant ( co-borrower ) on loan with my ex-wife who was also a co-applicant. Neither of us were a co-signer. As explained to me when mortgage companies attorney was questioned as to whether or not they were comfortable in proceeding without my consent or knowledge they answered yes. How could a foreclosure & sale & mediation pass through all the courts without my presence or knowledge or any thing from me.

Furthermore, the lender 's failure to follow the statutory requirements chilled the bidding at the foreclosure sale and, as a result, I am now liable for a larger deficiency judgment.

Thank you. 
XXXX XXXX and XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/XXXX and recorded in Deed Book XXXX Page XXXX XXXX County, Georgia records ; as last transferred to or acquired by XXXX XXXX, XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide Recovery currently is attempting to collect on a debt from " XXXX XXXX XXXX '' that is not owed by me. I have not done any business with Nationwide or " Nationwide recovery '' I've attempted to resolve the matter with Nationwide and " XXXX XXXX XXXX '' several times and have gotten no resolve. I've asked for written evidence that this debt is owed by me with my signature and some sort of identification proving that I've engaged in business with this company. They have failed to provide any evidence, but want to pay on a debt they aren't even positive that is mine. I am prepared to take legal action against this company for failing to protect my rights un the FCRA and their predatory collection attempts. I demand they they remove this collection from my credit report immediately and stop all collection further efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on APEX ASSET. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Millco Management
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERIFINANCIAL SOLUTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: AL

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: AL

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A girl messaged me on XXXX pretending to help with investments said I had to pay fees n I will receive {$5000.00} I ended up paying {$1100.00} in fees and still havent received anything. This person is still messaging me trying to pressure me into paying more fees and that I will get XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My XXXX XXXX account has been restricted. I am not able to send or receive money. I can not see my statements any longer since calling XXXX  support and then interacting with XXXX  XXXX, twice. They stated my account can not be unrestricted due to unusual activity to which there was no proof. I have been using and paying off my XXXX XXXX card and have not received XXXX XXXX. I use XXXX XXXX in messages in order to buy things for my family and friends with their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
We closed on a house recently in XX/XX/2021 with XXXX XXXX XXXX. After closing, the loan was tranferred for servicing to Flagstar bank. During the transfer, Flagstar truncated borrower 's first name from " XXXX XXXX '' to " XXXX XXXX '' which is not the legal name. It does not match the closing documents, or the deed or any other official documents. After repeated contacts with Customer Service as well as filing a complaint with CFPB, we've been told that Flagstar can only handle names within certain character limits and will need to truncate everyone else 's names. No resolution was offered except a reference number was provided. When requested for anemail ID where complaints can be made, both customer service agent and the supervisor refused to offer any resolution except for truncating the last name.

When a complaint was made to the CFPB earlier, Flagstar closed the complaint without providing any resolution. We have paid over XXXX to purchase this house and in return we have a very basic expectation that the company which services our mortgage should be able to spell both borrower 's names corrected on all mortgage related paper-work. 

If they are unable to spell borrower 's names correctly, they should not be able to service our mortgage. We would request them to correct the mistake in their paper-work or transfer our servicing back to XXXX XXXX who we had chosen as our lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: OH

Complaint narrative:
Credit report have a Dark Web Alert and my personal informations like SS and email and phone is compromised on XX/XX/XXXX which appeared on XX/XX/XXXX with XXXX company.It is a identity theft and breach so I am disputed and please delete dark web on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my innovis report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX Disputes XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 after work at XXXX I went to XXXX XXXX. I seen a car I like and XXXX the salesman told me that the car is XXXX based off of the financial lady. So I said lets do it. And after running my credit I did not like the monthly payment because they did the wrong car. And the price is actually XXXX. So I said never mind. But the XXXX tried to find me a different car and I said okay. I wanted to know the monthly for each one just like how everybody looks at their estimate monthly payment online. After looking at different cars I decided I did not like any of the offers so I just went home. Later on the night I seen that my credit got pulled 25 pts from XXXX XXXX. How is that possible I have a good credit and it shouldnt take off that many points. I called them and said that they cant do anything about it so here I am asking for help. They told me that it shouldnt even affect my credit because they didnt connect me to any bank. Which they said they didnt. They have already messed up in the first place by running my credit with the wrong car. And I only permitted them to run my credit once. I hope you guys could help me out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX tried to collect this debt on behalf of XXXX account ending in XXXX for {$730.00}. I advised them that this was result of identity theft and and provided the FTC reports showing as such. The case was closed and XXXX XXXX advised on XX/XX/XXXX for my case XXXX that XXXX  XXXX  will honor Mr. XXXX request and place his account in a cease and desist status. This will prevent further collection efforts from occurring on this account.. Now it is XX/XX/XXXX and they have sold this account to Resurgent, who is trying to collect for again, an account, ending in XXXX for {$680.00} that was not mine and is considered identity theft. I will file another case with the FTC to include Resurgent Capital so that this matter will finally be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged for transactions that didn't occur or weren't authorized by XXXX  and wells fargo allowed them to charge me over {$4900.00} in three days. I had made a few authorized charges from XXXX XXXX but not {$4900.00}! 

Most of the charges look like duplicates of the original charge, there are dozens of ont charge {$160.00}. Why would anyone need a dozen of the same thing in such a short amount of time? SOmething shady is going on at XXXX and Wells fargo allowed them to charge me erroneously and fraudulently. 

There's no justifiable reason to charge {$4900.00} to an account in increments of {$160.00} over three days other than fraud. 
I am attaching a copy of my bank statement showing the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both XXXX & Experian since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A XXXX Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated XXXX get their verification for Bankruptcies directly from the courts. And I was told this before also by a Experian Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by Experian & XXXX , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both XXXX & Experian are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: CA

Complaint narrative:
XXXX at XXXX First called my son XXXX XXXX and discussed my account and he then emailed my son and shared MY personal information and then my son emailed the information to my boyfriend. Capital link management has no right doing this to me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation