vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: IN

Complaint narrative:
I am a consumer of the United States and XXXX XXXX XXXX XXXX is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to XXXX XXXX to contact me at any given time or place as well as never giving them any of my information. The fact that XXXX XXXX has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm XXXX XXXX XXXX XXXX has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I have a $ XXXX line of credit with Hancock Whitney Bank against a {$1.00} million+ property here in uptown XXXX XXXX XXXX 
During covid I lost all of my XXXX University tenants who vacated their apartments and returned home leaving me with little or no money to pay my mortgages. 
~Hancock Whitney did not offer me forbearance or any form of modification whatsoever.

When I found out I was being foreclosed on I called them and was belittled and made fun of.~ I can find out that person 's name for you.

All of my attorney friends received hundreds of thousands in PPP loans for their respective law firms which they didn't even need! I didn't qualify.

WHY WAS ALL OF THE PROTECTION FOR TENANT/EVICTION AND NOTHING FOR LANDLORDS BEING FORECLOSED ON?

I don't owe Hancock Whitney much against this prime piece of property.

Can you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Investigation into two items on my credit report was requested on XX/XX/21. As I was told it takes up to 60 days to recieve a follow-up on the status of my investigation. I never received any notification. None by email nor mail. I sent a follow-up letter on XX/XX/21 and still have yet to receive a response. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name entered wrong : XXXX XXXX- remove Never stayed at address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
I was lied to when I purchased a car. On the website it clearly states in house finance and no credit check. The Salesman at XXXX XXXX XXXX some me a car checked my credit and also never informed me that he would sell my loan to a throes party company. As I signed documents for the vehicle he didnt go over each page with me letting me know what I was signing. He also added my spouse to the purchase of the vehicle without her consent. About six months into making payments I was informed that I had a new finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
About 2 week ago i was sent a letter that my business checking account XXXX XXXX XXXX will be closed. For depositing a check into my account. The reason was not clear. The bank was M & T Bank. Acct # XXXX. I'm new business owner and i have XXXX check system for payroll. I inadvertently deposit a check into my business account and that cause the back office to send letter to close my business account. I have no access to my money or online banking accounts. I was granted a business line of credit and the only way to pay the bill is in person. The branch closes early and its over 20 minute drive or more. I'm afraid this drastic move from the bank back office will hurt my personal credit and business credit. I called the XXXX, NJ branch several time no help. I called i called customer services no help. I need some clear answer.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
Capital XXXX on the date of XX/XX/XXXX XXXX XXXX on the date of XX/XX/XXXX XXXX XXXX SER on the date of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XXXX XXXX & XXXX XXXX Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, Midland Credit Management has violated rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae calling me repeatedly. Also calling family members asking them to make payment arrangements for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
In XX/XX/2021, I received a XXXX friend request from a XXXX XXXX XXXX, which has turned out to be a fake profile. This person prompted me to switch to XXXX XXXX to send messages back and forth, saying he loved me and wanted to marry me. He eventually asked for my bank account information and ordered checks in my name/address from an account he claimed was his at XXXX XXXX. Recently, he asked me to fill out one of those checks payable to myself in the amount of {$20000.00} and deposit it into my personal account at XXXX XXXX XXXX XXXX. Then told me I needed to transfer {$5000.00} to an account at 1st Citizen 's Bank in the name of XXXX XXXX ( address XXXX XXXX XXXX ; XXXX, NC XXXX ) in order to pay off a lien on a property in Tennessee. 

On XX/XX/XXXX, I discovered that XXXX XXXX had returned the funds of the {$20000.00} check I wrote, because XXXX XXXX  discovered the fraud. This has left my account at XXXX XXXX XXXX XXXX in the negative by {$5100.00}. I believed this man to be who he said he was and trusted him, but have since discovered numerous fake profiles on social media sites using this identity of a high ranking XXXX official. I have contacted all 3 banks involved to report the fraudulent activity, but 1st Citizen 's Bank did not give any indication that they could get the transfer stopped and return the money to my XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Under 15 US Code 1681b Permissible Purposes of Consumer reports A ( IN GENERAL ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written insturuction of the consumer to whom it relates. I, the natural consumer, XXXX XXXX have not given Equifax, the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account Name : WF CRD SVC Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$610.00} Reason : Identity theft Please remove it 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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
I have already attempted to fix this issue with Grain via the XXXX. & now I'm about ready to get my attorney involved. However, before I do, this will be my last attempt at trying to amicably resolve their incorrect reporting to my consumer file as I've given them more chances than I should have now. I will also be resubmitting my complaint via the XXXX  and attorney general. Companies can not believe they can get away with these atrocities. Grain has already agreed via a XXXX  thread and via email directly that all late payments reported under their account on my credit file would be corrected to reflect on-time for every month they originally claimed I was late. This is because I was not only unable to access their online system in order to make my payments on-time, but I couldn't contact anyone at the company for MONTHS! Imagine calling a company every day for 2 weeks straight ( 14 days in a row with cell records and screenshots to prove it ) only to be on the Line for 25 minutes at a time before you get a voicemail? Imagine texting a business ( lol ) that has an actual text service that claimed someone would get back to me but never does. Obviously, I have retained all texts from this encounter. Then imagine not being able to actually pay the entity you borrowed from only for them to report you as late. What a joke. Grain has reassured me several times now ( I have reached out several times to ensure they keep their word on our agreement to remove the lates from my file ) that they would update my credit file. More than 1 month later, it remains unchanged. I will still consider continuing to pursue legal action even after this is resolved because companies like this can't think they can get away with this. I warned Grain that I would be reporting them to several different entities if my credit file wasn't updated in accordance with what was agreed upon. This was a few weeks ago. Although they have been a lot more responsive via email, it's a shame that it took me reporting them to illicit appropriate responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
This debt is not mine and I was given no evidence of this being valid. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
After reviewing my credit report I filed a dispute with XXXX  for a debt held by Jefferson Capital Systems in the amount of {$2400.00} from XXXX XXXX. I filed the dispute on XX/XX/XXXX. About a week later I spoke to a representative from Jefferson Capital Systems pointing out that the debt was fraudulently linked to me. I have never had XXXX XXXX as a service provider. Additionally, the other address they referenced was located in West Virginia. I have never lived in nor visited West Virginia. I also do not have any family in West Virginia. Over the phone, the representative noted that she would add that I said that the debt was not mine and that they would no longer contact me. 

I received a letter from Jefferson Capital on XX/XX/XXXX regarding the debt. The letter indicated that if I did not reply in writing to the letter within 30 days, they will assume the debt is valid. Because they did not indicate the proper address to send the letter to, I sent letters to the following address on the letter I received : XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, MN XXXX Additionally, on XX/XX/XXXX I attempted to call their offices at XXXX CDT since their website said they were open until XXXX CDT. Upon calling I received notification that no one was available to answer calls. 

I disputed this debt a few years ago and it was removed from my credit history. However, I'm assuming it was resold to Jefferson Capital who is now attempting to collect the debt that had already been cleared from my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My cardmember agreement in the mail shows my annual fee as {$550.00} but customer service claims this was an error and my annual fee is {$690.00} which is a violation of the Credit CARD act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had sent a letter to Equifax, XXXX  and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: GA

Complaint narrative:
Capital One reports that I have a closed account with a balance of {$5000.00}. Upon the alleged initiation of the application for credit, who did Capital One interview? According to 15 U. S. Code 1681a ( e ), Capital One is required to interview someone. Any information contained can not be considered factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it 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 non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$170.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$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 non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation