vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: United Revenue Corporation
State: TX

Complaint narrative:
XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), United Revenue Corp, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, World Finance Corp all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial services were notified XX/XX/XXXX of a XXXX XXXX  involving the vehicle that was on the loan. I the driver was not at fault so I had to wait for the other insurance company to inspect the vehicle. Westlake repossessed the car while it was totaled to XXXX without telling me or the insurance then when I asked they said they are the lien holder they can take the car whenever they want. Months go by the car gets paid off with no late payments but their still asking the repossession fee and when they get the repossession fee they report on my credit that I was late on payments in XXXX when the car was paid off in XXXX. Also received a letter from the dmv stating that my license is gon na be suspended for a car thats already been paid off and I dont have the tag or license plate because westlake took the car

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 2021-07-23 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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX  : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. 

Navy federal credit union:XXXX {$530.00} this is not my account XXXX XXXX : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: OH

Complaint narrative:
My issue is with XXXX XXXX card services. They have a XXXX XXXX XXXX profile that seems to XXXX the exact situation that they put me in. I opened a credit card and nowhere in the description did it say I wish to be charged a {$99.00} fee. On the website it said things like no fees or no annual fees. But that is not my main issue.

The card arrived and it had an immediate balance due of {$99.00}. Which I did not expect so I called them three days after the card arrived to see what their explanation would be. They stated that I needed to pay the {$99.00} annual fee before they would open a credit line of {$300.00}. I said I did not want to having annual payment credit card and would like to close the account. They stated that the only way to do that without paying the {$99.00} fee is to do it by fax or in writing by mail. Which I think sounds illegal. But if I paid the {$99.00} I could open, then close the account. I did not want this on my credit report so I paid the {$99.00} and told the lady to close the account. After some strong resistance, she finally agreed to close the account. This was in XX/XX/2018. 

After that conversation I cut up the card and threw it in the trash. I never got any more correspondence from them. By e-mail or mail. However in XXXX I start getting calls from a debt collector about XXXX fs card services. The lady did NOT close the account like she agreed. She left it open and not only did they charge me another {$99.00} fee but also XXXX {$41.00} late fees and attached derogatory remarks to my credit report. This has to be illegal. And if you go to the XXXX XXXX XXXX page you will find pages of them promising to close accounts, not closing accounts and then putting collections on people. Do you know what happens if you try to buy a house and you have a collection on your credit report? You pay it. No matter whether you owe it or not. This is clearly credit extortion and these people need to be shut down. I want them to remove the derogatory remarks on my credit report and refund me the {$360.00} they stole from me. Can you guys do anything? I'm surprised this is happening in America

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 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MN

Complaint narrative:
It's been months now and netspend won't unlock my account. They had no reason to do so. This is like the 5th or 6th time they have done this. I did not report my card stolen or did I put in any wrong passwords or was there any unauthorized purchases to my knowledge. I'm tired of this and want it unlocked immediately.

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 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
My Mortage is with Select portfolio services, I was told that I missed a deadline in may for them to help me with my mortgage. I lost my job in XXXX of XXXX and just recently started a new job as of XX/XX/XXXX. The bank is requesting that I pay a large amount to reinstate my account otherwise they will continue with a foreclosure. I asked if there are other options and was told no. At this point I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account Citicard cbna : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.

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 2021-07-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account Portfolio recovery assoc : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the XXXX  and XXXX data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.

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 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
American Account Advisors has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). American Account Advisors isn't a creditor doesn't fall under a creditor per 1692a ( 4 ) .It is a fact that American Accounts Advisors is a collection agency and not a creditor, therefore they can ' extend credit to me, nor validate creditor foe me, as I'm the natural and original creditor. Meaning I owe American Account Advisors nothing and they don't have any right to demand payment from me. 

They proceed to violate my consumer right six times by listing six different accounts on my profile and sharing them with the reporting agencies XXXX, XXXX, and XXXX. They shared my personal identifying information with the agencies listed above to tarnish my repuation. This is fraud as I'm the natural person XXXX XXXX the consumer and original creditor of my social security number. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above, and validating debt as if they're in fact XXXX XXXX. 

I will pursue criminal and civil charges on a federal level and local in the state of Minnesota, if this issue isn't solved. Their actions weren't legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2020 I XXXX XXXX, the consumer, in fact the natural person Pursuant to 15 U.S Code 1602 ( e ), original creditor, lender, attempted to enter into a consumer credit transaction with Wells Fargo using my credit card. 
Pursuant to 15 U.S. Code 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. On XX/XX/2020 Wells Fargo claims they needed proof of closing costs. I inquired about a XXXX I received in which Wells Fargo denies accepting. I am aware that my rights as a federally protected consumer have been violated. Pursuant to 15 U.S. Code 1602 ( o ) I the consumer did not benefit from this transaction. I am the natural person Pursuant to 15 U.S. Code 1602 ( d ) and Pursuant to 15 U.S. Code 1602 ( e ) I the consumer have the credit, which is the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. So I do not see why Wells Fargo wanted to see proof of closing cost. A consumer transaction involves a finance charge, which is the sum of all charges. So down payments of such is a violation of my consumer rights. I XXXX XXXX do not feel secure in my papers. I find that my 4th amendment has been violated as I applied for my credit and haven & # 39 ; t benefited from it. Wells Fargo has performed unreasonable searches on my social security violation Pursuant to 18 U.S. Code 242. Wells Fargo stated they respectfully deny to have the credit inquiry removed, which is a violation of 15 U.S. Code 1681 ( b ) ( 2 ) as I did not give written permission to have this inquiry on my consumer report.

I affirm ( swear ) that my statements are true and correct to the best of my knowledge.

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 2021-07-23 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: KS

Complaint narrative:
I have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the Equifax and XXXX  data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had fraudulent activity happen with my Bank of America account I was awarded XXXX $ for the fraud and they took the money back on XX/XX/2021. I have written a Rebuttal letter presenting my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I contacted the collection agency XXXX XXXX on XX/XX/2021 in attempt to resolve my debt from my old apartment and was disrespected by the agent. I paid {$500.00} towards by balance which was suppose to be for {$1400.00}. I explained I was behind with everything due to a recent loss in my family and me not working for almost a whole year due to COVID. The operator/agent responded to me saying well I should have taken care of my responsibilities and said if I didnt pay there would be consequences if the balance was not paid by the end of the month. Im taking steps to cover my debt I owe while also being talked to like Im nothing .. Despite the set back I was having I called and paid what I could and advised I would follow up in about a month in attempt to put more money towards my balance. However, I was unable to pay the remaining balance of {$910.00} due to unforeseen circumstances. I then receive a debt collection on my report XX/XX/2021 stating I owed {$2400.00}. This is unacceptable for me to pay the company and they act like they never received the money and they added charges. They received emails confirming the right amount which I have documents of and proof of the last payment on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with Transunion and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.

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