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

Complaint narrative:
I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX  because of my spouse death. before his passing we were never late. The bill was paid in full by the state of Financial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently visited XXXX and requested an online copy of my three free credit reports. I received my free credit reports from XXXX and XXXX but not Experian. I attached a screenshot of their denial to give me my free credit report for a SECOND TIME. I attempted to call Experian to get my free credit report and credit FILE over the phone for the third time, which they said they would mail in 15 business days but have failed to do so. As a consumer, I am now demanding a copy of my credit reports and credit FILE from Experian, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted XXXX XXXX  XXXX ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I reached out to NAVY FEDERAL to try and resolve my account that was closed. While after trying to resolve and handle my obligation to the account I was redirected to an attorneys office who has not been very responsive after the first call and when asked about a settlement payment or resolution has denied my offers without presenting them to their client ( NAVY FEDERAL ). I wish to take care of this issue and asking to communicate directly with a Navy Federal contact that handles their credit cards. At this moment I had {$3500.00} to offer for settlement in a one time payment. I appreciate any help you can give and I look forward to your response. Thank you very much for you attention to this issue. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr cooper has decided to report my account as delinquent when indeed Im in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This complaint is in regards to Barclays Jet Blue credit card. I am trying my best to lower my credit card balances and payoff my credit cards which of course would help my credit score. I had a XXXX credit line with this Barclays card and I was paying on time each month a little over the minimum. I only had a little over {$300.00} a available on this card. I paid a big sum over {$1000.00} on this card in hopes to work towards my goal of improving my credit score. Today, XXXX XXXX, I found out that they cut my credit in half to {$1000.00}. I did reach out to the company and all they told me is the reason they lowered my credit was due to my credit score. I dont feel this is honest and it seems very predatory and a way to keep my credit score low in order to maintain my high interest rates. The only solution the relationship credit manager gave was to apply for an increase on my credit line which would require a hard inquiry, which would cause more negative results on my credit. I really feel this should be illegal for credit card companies to try and find ways to cripple your financial efforts in increasing your credit score. The only action I took so far was to fully pay off the balance because I know closing this card would also effect me negatively. Thats my complaint. Thank you for any help in 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 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on my credit report. This account has been paid and the balance should be {$0.00}

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
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on my credit report. This account has been paid and the balance should be {$0.00}

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
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have had a freeze on my credit with all 3 agencies, In XXXX I get an alert that a derogatory remark appeared on my transunion credit report from XXXX & XXXX XXXX for {$200.00}, it says the account was opened on XX/XX/XXXX and is in collections. I have no knowledge on this account, in addition how is it in collections already if the account was just opened on XX/XX/XXXX and how was any account opened in my name if I had a freeze on my credit at that time. 

Transunion is the only credit agency that has this item showing on my credit report. 

I am looking to have this item removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There is information on my credit report saying that I owed Capital One {$3600.00} on a credit card last XX/XX/2008 and this inaccurate report impact my credit score big time. 

I tried several ways to dispute the report that I am not even aware of and I even hired a well-known credit repair company to have it removed but capital one was not able to remove it. 

I will provide you my personal information to support the investigation to prove that this is a mismatch of identity and this report is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 360 has an issue with debiting purchase. My checking account is being debited this week for charges made last week that were paid for from my account. This has resulted in overdrawn account. I researched and found Capital One has had this issue in the past, has not been corrected. I am a person with XXXX, on fixed budget. This bank is getting paid twice and overdrawing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA

Complaint narrative:
Since XXXX I have been disputing accounts on my credit I do not recognize. I have never received any mail from Kinum Inc, I do not know who they are, I never signed any contracts with them, and they refuse to validate debts that are on MY credit! I refuse to be a part of their game any longer! You are a federal agency! I demand that you force them to follow the FCRA, FDCPA, and other federal laws that have been set forth for them to follow. They have not responded to any of my validation requests, or a XXXX  complaint about them. They have illegally assessed interest and penalties to the account, without providing any reason or right as to why! I DEMAND JUSTICE! They have never responded to my requests, a violation of the FCRA, they have never sent me any dunning letters, a violation of the FDCPA, they have never sent me any mail at all, and yet they are on my credit. they have continued to report a disputed debt another violation. Kinum inc is breaking the law, HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMorgan Chase refuses to offer refunds for access to funds. I transferred money from my savings account and they charged {$5.00}. Reg D was removed in 2020, so this fee structure is now predatory. I understand the fee is small in size, but the fact that theyre charging fees for access to money is uncalled for and with no warning. Their response was that they would not be able to help and would no longer respond after two messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
THESE INQUIRIES DONT NOT BELONG ON MY REPORT 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX OR THIS ADDRESSS XXXX XXXX XXXX XXXX TN,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX  XXXX XXXX, NY XXXX. The vehicle turned out to be a lemon. It completely shut down on me after only a month and a half of use. The vehicle was returned to XXXX XXXX  XXXX XXXX XXXX lot, where it was repossessed and sold in auction. The loan is now on my credit report and is having a negative affect on my score. It is my belief that under NYS Lemon Law i should not be liable for this loan especially since the company repossessed and resold the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Transworld Systems is attempting to collect on past due amount of {$130.00} owed to XXXX XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XX/XX/XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to Transworld or not..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have tried submitting this complaint but it was confused for a separate complaint I made at previous time. There has been nothing but issues when working with Chase bank in regards to the Paycheck Protection Program loan that I received for my business. This complaint is in regards to the servicing of the loan. After having part of the loan forgiven, Chase failed to update the loan term extension I requested that they offered for the loan balance. I was billed a much larger monthly bill under the 2 year loan term instead of the lower monthly payment amount under the 5 year term I agreed to. After calling and being transferred to several different departments I finally was told that I needed to speak to my local branch account representative, who also is unable to help. I was told initially that I would not be held responsible for the payment under the 2 year term but I am now being required to pay both balances. Not a single person was able to assist me and it seemed that the " correct department '' they transferred me to had no idea how to help either. I can not make the larger payment amount while my business is still recovering from the affects of the Pandemic and need this error to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: FL

Complaint narrative:
These Hard Inquiries ARE INCOMPLETE AND INACCURATE 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
ACE XXXX XXXX To : ACE XXXX Thu, XX/XX/XXXX at XXXX XXXX  CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of Cash Advance Company in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) -XXXX-XXXX  between working hours XXXX XXXX  to XXXX XXXX  ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) -XXXX-XXXX  Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Statebridge Company
State: NJ

Complaint narrative:
Dear Statebridge, Attached is the XX/XX/2021 response letter from XXXX XXXX XXXX to CFPB Complaint # XXXX. 

XXXX  has advised that there was transfer of servicing rights from Statebridge to XXXX for account # XXXX. 

XXXX XXXX XXXX issued the attached IRS Form 1099A naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Please provide proof of the servicing transfer from Statebridge to XXXX XXXX XXXX for account # XXXX. 

Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Sale Agreement does not appear to include account # XXXX. 

Thank you for all your assistance in rectifying this IRS Form 1099 reporting matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation