vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: VA

Complaint narrative:
Not only have I not received any information pertaining to this XXXX bill, nor was I notified that I could dispute this debt. It's also currently being reported by 2 different collections agencies on two different reports. They said the original debt was from XX/XX/XXXX. 


Both Companies are reporting the same thing below : XXXX Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Avante USA Opened : XX/XX/XXXX XXXX  Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
They closed my credit card account DURING A PANDEMIC. I had wrote them telling them I was experiencing financial hardship ( my unemployment didnt come in for MONTHS from their backlog in new accounts everywhere ) and they basically said too bad and they couldnt do anything then they give me pandemic assistance and allow me to skip payments for 6 months but keep my account closed. I missed only two XXXX  payments. This was XX/XX/2020 I tried to initially talk to them and STILL they wont reopen it. Its so embarrassing to have that on my credit report for TWO missed payment. Come one.

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 2021-04-28 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: IL

Complaint narrative:
I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Contacted Midland credit management and ask them to report that I'm making payments on the amount old. and they refuse to report that I'm making payments and said they do not have to report that I am making payments. 
M y account is no longer negative and IS revolving and should be showing a positive or a percentage paid and it is not doing so so. I'm demanding they either remove the entire amount off my credit or they show proof that I'm making payments and that my credit is in good standing. They are hurting my credit unfairly and unjustly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc.
State: OH

Complaint narrative:
This is a loan or a card I never had ownership of they had me with two cards I only had ownership of one and the account i had ia closed but the other one I do not have access to I need it taken care of and off my credit report ita not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
I received an alert today XX/XX/2021 about inaccurate information being placed on my report. This caused my credit score to drop significantly and I am highly upset, especially seeing as I have never heard of this company and have no business with this company. I am filing a complaint due to this company Professional Placement Services placing an account on my credit report before giving me a chance to dispute. I received a dunning letter from this company last week but the letter is dated XX/XX/2021 ( it's almost as if the letter was sent to me late on purpose ) and in the letter it states I have have 30 days to dispute the debt. Well it has not been 30 days and this company chose to place inaccurate information on my report before validating the debt. This is a violation of my rights and per the FDCPA I am allowed to seek damages up to {$1000.00}. I will also be filing a complaint with FTC, XXXX, my states attorney general office and whoever else I need to if this matter is not resolved. I want this account deleted from my credit report immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing has been servicing my mortgage and I have auto payments set up monthly. In XX/XX/XXXX, I made an electronic payment of {$12000.00} to be applied as an advanced repayment of principal. SLS failed to apply that properly. They applied XXXX toward my XXXX amount due, even though that had already been scheduled. 

I called in XXXX and they told me the correction would be made. It has not been made. 

Meanwhile, I received a note that they are transferring servicing to XXXX. I called today, XX/XX/XXXX and spoke with XXXX, teller ID XXXX. She noted that the correction had not been made and they had no record of my request. She put in a new request under ticket # XXXX. 

Before speaking to XXXX today, I also spoke with XXXX to verify whether my auto payment scheduled for XX/XX/XXXX would be transferred over to XXXX. She said it would not be, which was the opposite of what was stated in the " notice of service transfer ''. I escalated the question and XXXX informed me XXXX was wrong. 

My experience with SLS is that their agents give incorrect information and do not apply payments as they are legally required to do.

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There has been a card opened up on my credit report that just showed up today. The card was dated as being opened XX/XX/2021. I contacted capital one bank and they could not find the card in my name but it is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Unlimited Progress Corp
State: IL

Complaint narrative:
I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.

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 2021-04-28 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: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I reviewed my credit report and the same accounts that I previously submitted a complaint about are still on my credit report. These accounst that are listed are fraudulent and does not belong to me. I have never filed for bankruptcy nor have I benefited from any of these accounts. I am a victim of identity theft so I am asking that this matter be resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have never used XXXX software, but in XXXX of this year, my credit card was used by someone else on the XXXX website. So I reported the problem to the credit card company. But credit card companies are unwilling to deal with this problem. They think its not a fraud. They only ask me to pay back the money as soon as possible. I am very dissatisfied with the way and attitude of the credit card company in handling 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 2021-04-28 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Discover Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Discover please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my name is XXXX XXXX and this a response regarding case cfpb XXXX about a complaint against wells fargoXXXX XXXX XXXX  i will like to request the last payment made on my account loan XXXX XXXX XXXX XXXX XXXX  XXXX XXXX., XXXX, XXXX, XXXX please be kind to comply with my request asap.. 
am requesting the last statement the show my last payment for the loan XXXX XXXXXXXX  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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America schemed to collect insufficient fund fees by processing a large withdrawal that was submitted after a number of smaller withdrawals which caused all of the smaller withdrawals to be insufficient. All of the fees are in XXXX 2021. 

I am 100 percent VA XXXX and deposit these funds in my BOA account. I paid all of my household bills and thereafter drafted one large amount. Even though all of the small amounts were processed before the one large amount, the large amount was deducted first causing 14 {$35.00} insufficient fund fees. Many of these fees were the result of small bills being processed numerous times. 

I have been a BOA customer for over 26 years and even though they waived fees from the previous month, they also setup processing that maximizes their ability to erroneously collect these fees. 

I explained that a close family member was just diagnosed with stage XXXX XXXX and along with XXXX difficulties and they were still unwilling to assist with a problem they helped cause.

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 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WellFargo contacted my work number in which I advised them previously I am not allowed calls at work. The representative acknowledged the number was flagged as a number not allowed to be called and when questioned about why did she call my work, the representative disconnected the call. This call was received on XX/XX/XXXX at XXXX XXXX  A call was placed to my husband who is not on the account on XX/XX/XXXX at XXXX stating the company was unable to reach me which is inaccurate. This feels very harassing as this company called me on a number Im not allowed calls on and have told them this previously and then move forward with calling references within days of contact with me. If the representative that spoke with me on XX/XX/XXXX would not have hung up she could have obtained a new number. When I asked Wells about the XX/XX/XXXX call I was advised it not documented however I have a log of the call on my employers call log.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a XXXX XXXX  cashier 's check for a car reimbursement. I didn't have time to cash at XXXX XXXX so I went to my bank of america. I went to pls first and they were going to charge me so I put it in my account mobile deposit. It said the funds would be available the next morning at XXXX XXXX 3 days later I'm being told it's another 4 days untill they give me my money. They said it was XXXX XXXX didn't pay the money and I went to XXXX XXXX  and it had been paid for over 24 hour 's. I'm a single mother that lost everything due to XXXX That money was our rent in our extended stay and to buy a car. Were now locked out of our apt with no car. Bank of america still won't budge or even tell me why.

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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: GA

Complaint narrative:
I paid my mortgage on time every month. My original mortgage company - XXXX XXXXXXXX XXXX  - sold my mortgage to a new mortgage company - XXXX. They claimed a notification was mailed, for which I never received! Believe it was sent to an incorrect address? I continued paying my original mortgage company every month. On the third month, the XXXX XXXXXXXX XXXX company returned my mortgage payments in full. When I discovered this, I contacted them to understand the problem. That is when they informed me of the sale. 

I then contacted the new company - XXXX, to learn of the correct payment details, explained what happened, and made remittance of the 3 months of missed payments. 

I thought everything was fine, as I continue to pay my mortgage each month on a timely basis as always. I then discovered that my credit score had dropped dramatically. Further learning this was caused because the new mortgage company reported the error payments as 3 months late. 

I have made numerous attempts to resolve this with XXXX, having contacted them on at least 5 occasions, but have become frustrated with excessive waiting times, and phone transfers without anyone willing to review and address my issue? In XXXX, they did review the credit issue but failed to follow up. Then on my last call ( XX/XX/XXXX? ), they told me I needed to start all over again, which I did. The manager said they will review and fix the issue, but to date this still has not happened. 

The credit reporting companies are insisting I need to provide a letter from my new mortgage company that retracts the complaint and allows me to correct my good payment record. I feel I have been pushed in circles and do not know where to turn to fix this problem. Can you help? 

Reference : XXXX XXXX XXXX XXXXXXXX - account # XXXX XXXX - account # 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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX deleted this but Experian and XXXX are not deleting the information.

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 2021-04-28 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank/Ashley Homestore is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Synchrony Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Synchrony Bank please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Source receivable receivables recovery XXXX XXXX XXXX, from address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX is aggressively attempting to collect $ 1220+ for the XXXX for collection AND REPORTED A COLLECTION ON CREDIT REPORT TO CREDIT BUREAUS FOR THE ACCOUNT THAT DOES NOT BELONG TO ME .... Numerous attempts to contact them via phone or mail only resulted in aggressive demands for personal information and demand for banking information and nothing from them validating this account nothing to prove that it belongs to my name to my social. Source Receivable keeps calling me XXXX XXXX but my name is XXXX XXXX NOT XXXX .... this is NOT ok ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX  deleted this but XXXX and TransUnion are not deleting the information.

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