vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
There are accounts reporting on XXXX that dont belong to me. The accounts are listed.

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 2021-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
Every time I ask for a payoff amount I am giving a different amount. The fees are ridiculous here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. XXXX is the inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX  have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.

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 2021-08-12 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: TN

Complaint narrative:
I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager.

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: WI

Complaint narrative:
My home was put into forbearance due to the covid pandemic and loss of employment. Now the forbearance has ended I have asked for mortgage modification or hardship h.u.d. assistance. However I have been denied these options by the phone operator. She told me I have 2 options to pay the XXXX forbearance amount or a short sale. This is unacceptable, I should not have to file bankruptcy to protect my home.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company Portfolio Recovery Associates, XXXX has been trying to collect this debt which is not mine. I have repeatedly filed credit disputes on this company. 

This company has been trying to collect this debt since 2016 which is out of the statute of limitation 's to collect this debt. This company keep reopening this account with current dates which is false. 

Furthermore, this company is not licensed to collect debt in XXXX, Tx and I am requesting to stop sending mail regarding this matter and remove this debt from all ( 3 ) credit reporting agencies. 

The following is : Date:2016 Amount : {$610.00} Actions Taken : Filed several disputes with the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA

Complaint narrative:
applied for refi mortgage on XX/XX/XXXX my home is a manufactured home, company said that w.as not a problem went thru credit income verifaction all was ok then they did appraisel value to loan ratio was ok three months later they wanted a building permit for my finished basement that included a in law quarters that is not metered separate the tax records list as single family the basement was finished 20 years ago then 2 weeks later they sent me a denial notice it was an unacceptal property.so they drug this out for three and a half months could not get any direct reason why other than you cant have inlaw quarters in a manufactured home not shure where that rule came from but i feel that this is a case of unfair lending practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: VA

Complaint narrative:
The reason for this complaint is to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered a few inquiries that I have no knowledge of. Because I did not apply for credit with the following : XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 
those inquiries I have mentioned to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if those creditors is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to 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 2021-08-12 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: NY

Complaint narrative:
There are accounts reporting on XXXX that dont belong to me. The accounts are listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There are accounts reporting on XXXX  that dont belong to me. The accounts are listed.

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 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2021-08-12 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, WAKEFIELD AND ASSOCIATES # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX a fraudulent check withdrawal occurred in XXXX XXXX, California and took {$3000.00} out of my account. I called Chase Bank immediately because I am located in Illinois and I did not authorize this transaction. On XX/XX/XXXX I was instructed to wait until the transaction was no longer pending. On XX/XX/XXXX I call a chase representative and was told a claim is put in and I gave the representative all of my information. On XX/XX/XXXX later that day I visited a Chase bank and had a scheduled meeting at XXXX. At that meeting I was told that there was not in fact a claim put in for my account. I was told that day by the banker that a proper claim had been filed. I called on XX/XX/XXXX and was told that my claim was approved and I would have my funds in 3-5 business days. I called back on XX/XX/XXXX and was told that the investigation was still ongoing. On XX/XX/XXXX I called again and was told by the supervisor I do not know what is going on with this, we will have to wait and see. On XX/XX/XXXX I was told by a customer service representative that I would have my funds by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received my funds nor any correspondence from J.P. Morgan CHASE regarding the {$3000.00} that they allowed to be stolen from my account. Today XX/XX/XXXX I went to a Chase Branch for an update and I am now being told my claim was approved 8 business days ago and they have no answer to why I have not received my funds. I believe because I am young and XXXX American they did not take my claim seriously and the first person I spoke to laughed multiple times regarding my issue. I believe that I have been treated unfairly and below what the protocol is in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
WELLS FARGO DEALER SVC, sent me a letter and said they errored on there part. and these 2 late payments need to be removed.

ASAP

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 2021-08-12 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
second contract was open less than one month after the initial contract. XXXX credited all late fees and credited the second account. XXXX XXXX XXXX still shows hard inquiry and late payments. XXXX has sent letter and I forwarded the letter from XXXX also but it shows late payment. 

On the vacation club for Comenity Capital bank the same issues show on XXXX credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
I sent US {$85.00} to my niece XXXX XXXX XXXX who lives in XXXX, on XX/XX/XXXX. The total of transaction including the service fee was {$89.00}. I made the transaction in the morning and my niece went to pick up the money in the afternoon the same day. I have sent money to my family through XXXX multiple times since 2010. 

When my niece went to pick up the money, she was told that the transaction appeared on the computer as " complete ''. She immediately contacted me via XXXX to let me know the issue. We verified that the transaction number ( # XXXX ) was correct. 

I called XXXX the same day, then the next day. They told me they'll investigate the issue. For the next days I wasn't able to call XXXX because I went to XXXX and wasn't able to use my phone for international calls. For the next days I sent XXXX emails multiple times asking for an explanation about this money. They responded that they were investigating the issue. 

Two weeks later, I received an email informing that the investigation was completed and that the money was picked up and the case was closed. 

I called XXXX the same day and I asked them to send me proof that my niece received that money. Also, I suggested to investigate the case with the personnel that handle the money that is picked up in XXXX. I'm from there and I know how fraud and malicious activities can easily be done by people that work for companies. Also, I requested to speak to a manager or someone that could help me. So my call was transferred to a supervisor and she told me they'll investigate further. That was last Monday. As of today I haven't received any response about this situation nor the money back. 

I have proof of multiple transactions for bigger amounts for years!! Your help will be greatly appreciated. 

My name on this account is XXXX XXXX ( my married name ). I have divorced a long time ago and requested a change of name and address but for some reason it appears again as XXXX XXXX. My maiden name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CA

Complaint narrative:
I reached out to Experian on XX/XX/2021 regarding and Account/Account number, and hard inquiries that should not be on my report because it is not mine. This is fraud and should be removed. I submitted a letter, along with an affidavit to them. I tracked my package and it was received, however they ignored my demand for removal, and did not send me any information. They violated several of my consumer rights under the FCRA 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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Hello, Im having a horrific time with multiple calls to arrange payments. I had paperwork notarized by my attorney and submitted paperwork back in XXXX. Autopay was never set up and I had to call to figure out why. I made a payment for XXXX and XXXX per my conversation in XXXX with one of your employers. The XXXX payment was sent back. I received letters Im late etc. Im not late this is your issue. 

I call every week and am currently on hold for over 20 minutes to speak to a supervisor.

I see a Class Action Suit filed against Loan Care. Multiple complaints exactly the same as mine. 

Similar stories are posted on XXXX  website.

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 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ACCOUNT RESOLUTION SERVICE plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$130.00}

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 explanation