vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
It has come to my attention that BARCLAYS BANK, creditor and debt collector as defined pursuant to 15 USC 1602a ( g ) and 15 ISC 1692a ( 6 ) has violated my rights as a consumer pursuant to Title 15 Chapter 41 subsection 15 USC 1601, Truth in Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy, and by providing abusive and unfair debt collection practices.

This consumer credit transaction with Barclays Bank which resulted in an account under an open -end- credit plan was used unauthorizedly by BARCLAYS BANK which is also known as identity theft pursuant to 15 USC 1602p and 18 USC 1028a ( 5 ). 

Cease all UNFAIR communication through any mediums with me and ANY third party ( such as consumer reporting agencies ) ( Communication in connection with debt collection ).

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 2021-10-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
There is two collection accounts from XXXX XXXX that is being reported to my credit file from XXXX, XXXX, and TransUnion and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
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 2021-10-20 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: TX

Complaint narrative:
There is two collection accounts from XXXX  XXXX  that is being reported to my credit file from XXXX, Experian, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
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 2021-10-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is looking to ruin my credit and the credit if all my additional card users. I never had a problem with payments in over 30 years. When covid hit. We didnt have a dime of income coming in. American Express said that it would be okay to pay late. They said they wouldnt report it. They lied. I had a {$10000.00} bill that was owed. We agreed to have me make payments over 3 years to fully pay up my balance. Since then every time there is a credit search done on me, my husband and all of my children that were additional users it gets killed by false information that they are reporting. I have made several phone calls and have been told that they will correct it. They never do. They are liars and are looking to hurt their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against JP Morgan. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
The following unauthorize in excessive inquiries were made on my credit report. 
XXXX XXXX XXXX XXXX XXXX MD XXXX Phone XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have been in a mortgage forbearance since it was offered in XXXX due to the pandemic. With available extensions the forbearance will conclude at the end of XXXX. I have been in communication with the servicer of the loan Nationstar Mortgage LLC, d/b/a Mr. Cooper as to how to proceed now that the forbearance will be ending. Initially the discussion was for a loan modification, however that appears to be a high bar to get over, therefore I requested the modification request be canceled in favor of a workout plan which would incorporate a deferral of a portion of the arrears to the back-end of the note. 

Since Mr. Cooper does not have the authority to act on its own, the lender, XXXX XXXX would need to approve of the workout plan and deferral. XXXX XXXX has the reputation of not working positively with borrowers, thus when Mr. Cooper listed the resource of the CFPB on the monthly statement, I called and the CFPB representative advised on filing a complaint as a precaution and preemptive action. 

I am prepared to remit the higher monthly amount Mr. Cooper calculated at, {$1300.00} ( PITI ), verses the amount pre-pandemic of, {$1200.00}. The current principal balance is {$89000.00} at an interest rate of 4.875 %. There is a negative escrow balance of {$8200.00} as of my XX/XX/XXXX statement which is a result of RE taxes and insurance. 

I want to be assured that the workout will be approved, whereas the escrow arrears will either be on the back-end or as Mr. Cooper indicated can be retired over a 6 month period. The total amount to bring the loan current is {$23000.00} which includes the negative escrow. 

I don't believe that when the federal government had intervened to protect homeowners to have payments paused without interest or penalty but allow for a land grab by lenders at a later date if the full arrears at the conclusion of the forbearance where demanded is not made in one all inclusive payment or they would foreclose. 

The loan has 34 years and 6 months to go. Loan number ; XXXX, property address XXXX XXXX XXXXXXXX XXXX  NJ XXXX, which is my primary residence.The phone number for the Mr. Cooper XXXX XXXX XXXX. is ; XXXX. They use several addresses however I believe their main address is XXXX XXXX XXXX XXXX, TX XXXX. 

My contact information is : XXXX XXXX XXXX - Cell ( XXXX ) XXXX email : XXXX address previously noted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
There is two collection accounts from XXXX XXXX that is being reported to my credit file from Equifax, XXXX, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against Capital One Bank. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: WA

Complaint narrative:
Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.

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 2021-10-20 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NY

Complaint narrative:
There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was 1 late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I had refinanced my loan with XXXX and closed it on XX/XX/2020, after 2 days i had received a mail from XXXX that my loan is transferred to Chase Bank, and on XX/XX/XXXX i got a mail from Chase Bank with new Loan Number confirming that Chase Bank is servicing my Mortgage Loan, and there was no communication after that. 

So on XX/XX/2020 i called Chase Customer Support on how to create online login to schedule Auto-Pay for my loan, but the answer from them is " Loan is not transferred to Chase due to some issue ''. 

So i contacted XXXX, but they say they can not help, as my XXXX is transferred to Chase and when i contact Chase they say my XXXX is not transferred and asking me to contact my original lender ( XXXX ). 

i am not sure what to do, as i had closed my house on XX/XX/2020, and after 30 days still i don't know who is servicing my Home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Made a ACH in the amount of {$1500.00} from my bank XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo on XXXX XX/XX/2021 for the purchase of a transmission from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2021 I submitted a complaint with my bank informing them that I was a victim of fraud and requested they investigate and retrieve my money. I also made contact with Wells Fargo to inform and inquire what I could do to stop ACH or retrieve money back, they told me to contact my bank. 

Prior to contacting both banks I attempted numerous times to contact company by text, email, and phone. Only contact from company reference my order after initial payment was on XXXX and XXXX XXXX to request additional money for shipment which was included in purchase price. 

XXXX XX/XX/2021 I received message back from my bank stating they can't help me and to contact Wells Fargo.

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 2021-10-20 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: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
So, basically Penfed Credit Union isn't honoring the removal of a credit card I paid in full in settlement offer of {$4500.00} with XXXX XXXX XXXX XXXX XXXX. It's damaging my credit score for awhile now. I disputed it to all 3 credit bureaus multiple times but no changes were made in deleted or correcting the payment status and account status on XXXX, XXXX, and XXXX. 2nd offender is XXXX XXXX XXXX XXXX they are not updated my balance on account on all 3 credit reporting agencies at all. After I called them too many times to remember, but kept the call logs of on me calling to explain. XXXX XXXX XXXX XXXX XXXX have not updated my credit report on XXXX, XXXX, and XXXX  neither after I paid in settlement deal. They are hurting ym credit score bad by not reporting to the credit reporting agencies since XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I requested a refund on cash app from merchant and the merchant declined is and cash app cant refund me and my bank wont refund me because I transferred the money from my account into cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I reported an identity theft to Federal Trade Commission on XX/XX/2020 for Wells Fargo Credit Card. This account does not belong to me. The amount is {$9600.00}. I reported this fraudulent activity to XXXX XXXX XXXX on XX/XX/2020. Wells Fargo continues to report the account as negative on my credit report in error.

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 2021-10-20 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
I am contacting NCB in regards to proper resell of vehicle again. I have now received and reviewed what you have mailed, however, I see inaccurate and invalid dates. The dollar amount of {$16000.00} you are reporting to all 3 bureaus is not the deficiency balance. NCB has not outlined their calculation and is the wrong dollar amount. At this point I believe there was not a proper resell of the vehicle as it is not properly outlined or how it was determined. Is this why XXXX XXXX, whom you outsourced to, submitted the file back to you a week after questioning the account? Not only am I skeptical, but Im also disgruntled. Not to mention how aggressive and helpless the representative/manager made me feel when I called in and mentioned disputing the file. 

I demand that NCB remove the report from all 3 credit reporting agencies ( XXXX, XXXX, XXXX ) as this has harmed my credit and is considered a violation of the FDCPA and FCRA. Please do not contact me anymore either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation