vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA Federal Savings Bank Credit Card Identity Theft/Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Cars Financial, Inc
State: VA

Complaint narrative:
My wife and I purchased a XXXX XXXX XXXX XXXX from shelor motor mile inc and cars financial inc in XX/XX/XXXX we have been on time since XX/XX/XXXX we got in to a dispute over the car not being fixed correctly never was told it still had manufacturing warranty on it it still anti have bank statements to prove we have paid more I argued with shelor there attorney cars financial I had to threaten civil action just to get reciepts to check with bank statements then when I did that they took my on time payements off the credit reports without a explanation I called the companies shelor motor mile inc and cars financial inc the sale was for XXXX the payment is down to XXXX we have paid over XXXX this proves we paid on time plus more so I disputed to XXXX  XXXX also they said there is no explanation stateing why this happened its was just a act of revenge trying to hurt credit score which caused me a lot damage when my credit was finally getting better then cars financial inc shelor motor inc pulled this stunt they did not do what was promised to report to credit report like they were supposed to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: UT

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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:
Last year I obtained a copy of my credit report and to my surprise I had a ton of negative and inaccurate items on my report. I tired to reach out to the reporting agencies multiple times and to no avail. I have wrong names, wrong address, and wrong employers on my report. I have debts from companies that I've never done business with or accounts that were paid off that's still showing a balance. According to the rules that I found online the agencies had 30-60 days to respond and provide proof of these debts and it has been well over 120 days with no answers at all. 

I sent letters attesting these inaccurate accounts on XXXX, XXXX, and again here at XXXX. So many discrepancies across the XXXX agencies like different account numbers, different amounts and different names and addresses. These items reporting on my report are totally unfair and a complete violations of my rights. The agencies have had adequate time to contact the alleged debtor to provide proof and until then I'd like them removed from my report. I believe my information was a part of the equifax and XXXX hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have talked to them several times about removing the false debt from my report, this debt is hurting my chance to purchase a house. The account was used by someone else and not me, and their conclusion was that i was the person using the card and that it wasn't fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Account was opened in my name and was used for fraudulent activitiy Wells Fargo Account : XXXX XXXX : XX/XX/21 XXXX unpaid Wrong drivers license, wrong email, and phone numbers All files uploaded are from my consumer 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 non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, last month I filed a complaint against Carrington mortgage services L.L.C. ( C.M.S.LLC XXXX, Phone # XXXX Fax : XXXX to complaint because they paid ahead of time the home Insurance before give me 30 days for me to choose another Insurance or to keep the current one, so I called C.M.S. LLC to informed them to cancel the Insurance they paid in advance because I found a different home Insurance, so now after they didn't follow the Federal law to allowed me 30 days before them to paid the home Insurance, they asking me and want me to pay for their mistake, if they paid that Insurance ahead of time without informed me and give me the 30 days, they should paid their mistake, not me. 
2.- On XX/XX/2021 I received a notice saying that my home address is located on " Flood risk '', and without informed me and no explanation they increase the mortgage payment, and is NOT true, on XX/XX/2021, I contacted FEMA at XXXX to confirm if my address is located on " Food risk '', they told me NO, that my home is located at NO flood risk at XXXX. XXXX they told me that my address is not on flood risk area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It has come to my attention that Bank of America Has fraudulently opened an account using my credit card. Bank of America never informed me that they were debt collectors.

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 2021-03-23 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: FL

Complaint narrative:
Im submitting this complaint againstXX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: VA

Complaint narrative:
I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX XXXX XXXX. I have contacted the credit bureaus XXXX XXXX XXXX, and Experian ) on numerous occasions along with contacting the creditor, XXXX XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX XXXX has yet to provide a response to my initial complaint. I also submitted a complaint with the XXXX XXXX XXXX, my complaint continues to be ignored. However, XXXX, Experian, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX XXXX and Experian requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to XXXX XXXX XXXX XXXX XX/XX/XXXX ) via certified mail 2. ) Reference XXXX  Complaint date XX/XX/XXXX 3. ) Police Report 4. ) ID Theft Affidavit

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 2021-03-23 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: OR

Complaint narrative:
Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXXdue to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
In XXXX of 2018 I purchased a cell phone and plan from XXXX. I put my account with them on auto pay, primarily because of my health and XXXX XXXX. I explained to the representative that this was the reason and that it was imperative that my service not be interrupted for this reason. 

In the following two consecutive months my phone service was interrupted twice for no apparent reason through this company was paid from the auto-pay I had set up. 

I called them and explained that I could not trust my life to their service and switch to XXXX XXXX. They placed me up for collections, I disputed it and it was taken off my credit report. 

This company Source Receivables Mng., has brought this old debt from XXXX and is trying to collect on a old settled debt. This company sent no letters or information about their intent to collect and therefore has been the cause of thirty plus point loss on my credit report. This was wrong and very damaging to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: MD

Complaint narrative:
Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at Equifax and include XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to Equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his Equifax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: VA

Complaint narrative:
I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX XXXX XXXX. I have contacted the credit bureaus XXXX XX/XX/XXXX Equifax, andXX/XX/XXXX ) on numerous occasions along with contacting the creditor, XXXX XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX XXXX has yet to provide a response to my initial complaint. I also submitted a complaint with theXX/XX/XXXX my complaint continues to be ignored. However, Equifax,XX/XX/XXXX, and XX/XX/XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XX/XX/XXXX, Equifax, and XX/XX/XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to XXXX XXXX XXXX XXXX XX/XX/XXXX ) via certified mail 2. ) Reference XX/XX/XXXX Complaint date XX/XX/XXXX 3. ) Police Report 4. ) ID Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Nelnet, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 dXXXX On XX/XX/XXXX I received another phone call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC
State: NY

Complaint narrative:
They called early in the morning. very disrespectful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a payment in the amount of {$540.00} to payoff my full balance. On XX/XX/XXXX, I logged into the portal and did not see that a payment had been processed, so I submitted another payment in the amount of {$540.00}. 

On XX/XX/XXXX, I called in and asked if there was a way for this to be applied back to my bank account. The customer service representative advised that it would take 7-15 business days. This was not fast enough considering my status of my bank account so I was able to have my bank put a stop payment on the second payment made. Since the second payment was charged back to my account by the bank, on XX/XX/XXXX, I called Amazon to see if we could put a STOP on the refund check that was issued out to me. The representative misunderstood my request and issued ANOTHER refund in error. 

On XX/XX/XXXX, I logged into my account to see that my balance was now over {$1000.00} ( way past my credit limit ) in AMAZONS ERROR. I requested to speak to a manager who informed me that the representative sent out another refund check instead of applying a Stop. The manager advised a ticket was opened to their payment processing team to put a stop on BOTH refund checks. 

On XX/XX/XXXX, I called back as I saw that one refund check had been applied back to my account but not the other. I was advised that I would only need to wait 24-48 hours for the other refund check to be credited back. 

On XX/XX/XXXX, I called in and requested to speak to a manager. The manager advised that I would have to wait 7-15 business days for this request to be processed again even though it was Amazon/ Synchrony Banks error and they apologized for my inconvenience. I again, asked for them to escalate this because this should have been worked with the original request of XX/XX/16 but advised they could not. 

On top of this refund check still not being credited back to my account, they also decreased my credit limit due to my account balance being too high compared to my limit because they sent the second refund check in error. This has negatively impacted my credit due to this limit increase.

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 2021-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company refuses to tell the whole story- eliminating critical data which favors the borrower and any lender may wish to see. They in effect provide an incomplete statement and misleading! " This item already reflects that it has been paid. Whether the item was paid in full or paid in settlement, this item can not be disputed using this reason since it is already reflecting as Paid. In paying this obligation if you did not meet the terms of your agreement, in addition to reflecting as " paid, '' the account may also indicate the number of days you were late with your payments, including whether your account was Charged Off or in Collections prior to being paid. '' The rest of the story the fact is this lender NEVER attempted to resolve the debt even after multiple attempts at contact. CFPB reports opened as well as with other agencies.

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