vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: AL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
I have carefully reviewed my credit report and notice there were some accounts that are not mined, inaccurate, and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : XXXX  # XXXX, Monterey Collection Services # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-01-21 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance agreed to report the CURRENT status of my account when I notified them that I loss my job due to COVID and would need to make payment adjustments. The representative from Credit Acceptance then told me that they were offering a service in which would help people affected from the global pandemic : they would not report negative data to the credit bureaus such as late payments, etc. Instead, they would mark your credit report as " natural disaster '', thus protecting your account from any damage. Since then, Credit Acceptance has NOT accurately reported the status of my account when I notified them that I needed to adjust payments. They are incorrectly reporting that I was 60 days late. I notified them in XX/XX/XXXX and before XX/XX/XXXX, I had not missed a payment. I still paid after notifying them. Despite losing my job, I was able to pay off $ XXXX worth of car debt on XX/XX/XXXX, thus paying the loan in full and closing my account. By XX/XX/XXXX, Credit Acceptance begin reporting to the credit bureaus that I was 60 days late on payments and that my account was still being affected by natural disaster. It is now XX/XX/XXXX, I have called and sent several disputes. Through my efforts, several credit bureaus removed the remarks added by Credit Acceptance, those remarks being : " 60 days late '' and " natural disaster ''. 
Yet Credit Acceptance keeps adding the remarks, even though I've had them removed. 
Please help me! Credit Acceptance 's actions has managed to drop my credit score 60+ points despite me paying off the loan in full, closing the account, being affected by COVID - yet protected by a category labeled as " natural disaster '' and me reporting to Credit Acceptance at the time when my account was in good standing.

Credit Acceptance refuses to remove the remark they added, I have tried everything.

Every time I have the remark removed, Credit Acceptance adds it back, despite my account being closed and paid in full nearly a year ago.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I DONT KNOW WHO THIS ACCOUNT BELONGS TOO BUT ITS NOT MINE SO PLEASE DELETE 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 2021-01-21 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
The company has not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX XXXX I have not signed any documentation from said company. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I will fight this case I promise. This is not the first time Wells Fargo has SCAMMED its customers. You guys already had a fraud case. People lose millions of dollars to Wells Fargo.

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 2021-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 capital one auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote XXXX XXXX XXXX a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under us 1681 ( b ) a person shall not use or use a consumer report for any purpose unless-the consumer report is obtained for the purpose for which the consumer is authorized to be furnished under section ( 2 ) the purpose is certified in accordance to section 1681 ... I have e not initiated an account with capital one auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SC

Complaint narrative:
I XXXX XXXX, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My husband and I refinanced our mortgage with XXXX XXXX XXXX. After the refinance was complete, the mortgage was transferred to XXXX XXXX for servicing. Having made 3 payments ( on time ) to XXXX, I was completely frustrated to receive a letter dated XX/XX/XXXX that my home owner 's insurance policy had expired. The letter stated that they would be " buying '' insurance for us. To the best of my knowledge the insurance information provided to XXXX XXXX XXXX when the refinance was completed should have been transferred with the loan. I contacted XXXX XXXX  on XX/XX/XXXX and was told that a payment had been made for our home owners ' insurance but no one could provide me with a check number to confirm the payment. The representative that I spoke to told me at that time she could see that the payment had been disbursed but could not confirm where it was sent. She transferred me to XXXX in " the insurance department '' only to be told they DIDN'T have our insurance information on file. I proceeded to give her the information and the phone number to contact XXXX XXXX to make sure further billing would indeed be going to the correct address. I emailed them the information that day as well with a request of a response that the issue had been resolved. I checked our mortgage account on XX/XX/XXXX and saw that it appeared that a disbursement had taken place for insurance. On XX/XX/XXXX the payment that appeared to have been made was reversed and NO payment had been made for my home owner 's insurance policy. I contacted XXXX again on XX/XX/XXXX and spoke to XXXX and was told a check had been mailed so I asked for the check number of the disbursement. After researching, she told me she was unable to provide a check number and would have to transfer me back to customer service. After being transferred back to customer service and speaking to XXXX I was finally given a check number for the insurance disbursement. ( Ck # XXXX payable to the order of XXXX XXXX ) Having read all of the horrible reviews online for XXXX XXXX, I too want to file a complaint about the companies inability to " service '' any loan in a timely manner. I have huge concerns for my upcoming property tax bill being paid on time. It is completely unfair for a consumer to have to make sure the " loan servicing '' company is actually doing their job. If they continually fail to pay home owner 's insurance and property taxes on time I wish to have them stop escrowing our account and we will be responsible for paying our own insurance and property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " XXXX XXXX XXXX ''. I have no open consumer finance accounts. I called XXXX and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. 

XXXX compared all of the accounts ; and does not understand it. He did state that I have 3 Navient accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with Navient and they said the accounts were closed and transferred back to Navient due to my old chapter XXXX. 

Essentially ; I have 6 Navient accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with ComenityBank/XXXX. This debt is not mine. 

Someone unknown obtained my name, old address ( from 23 years ago ), and Social Security Number and opened a credit card in my name at Comentybank/XXXX XXXX XXXX on XX/XX/XXXX. They did a one time charge of {$850.00} on that date and never made any charges or payments since that date. This is presumed to be a result of the United States Government Office of Personnel Managements data breach of XX/XX/XXXX. I was notified by another retailers fraud unit ( XXXX XXXX ) in XX/XX/XXXX that this individual attempted to open another account with my information in Florida and they were able to determine the difference of address and stop it. I have notified the 3 major credit bureaus, filed a police report with the XXXX County Police Department. In addition, I have reported the case to the Federal Trade Commission. I also put a freeze on all 3 credit bureaus. 

I have tried working with Comenitybank and they keep telling me they " sold '' the loan to a Dept Collector ( Whom I have successfully had the dept collector removed from my 3 credit reports ). Comentitybank continuously says they do not send information to the credit bureaus after a loan is " sold '' yet the Comentitybank defaulted credit card debts continue to be on my 3 credit reports. When I contacted the 3 credit bureaus and ask why, they ALL say they contacted Comenitybank and Comenitybank is verifying the debt is " accurate ''. I asked the 3 bureaus where are they getting this, they tell me from Comenitybank. The bureaus will not disclose who they are receiving this from Comenitybank. When I call Comenitybank and tell them the 3 bureaus say that your company confirmed the information was " accurate '', they continue to say they they " do not report to the credit bureaus on the loan that was " sold '' to the collection agency ''. 

I have sent a certified letter to Comenitybank asking them to send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I have included the letter from XXXX XXXX where their fraud department picked up the fraud and absolved and removed all charges that were placed on a XXXX XXXX account as proof there is an individual out there using my name, SSN, and old address still actively trying to get credit cards in my name. 

To date, I have not received any correspondence, emails, or telephone calls regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submitted a dispute with XXXX ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX and XXXX completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because Wells Fago validated the late payment. XXXX confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also XXXX refused to connect me with a supervisor and instead they referred me to dispute this with Wells Fargo. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Summary of explanation written below is that the Capital One XXXX XXXX failed to get a bill to me on time so I could pay on time. This resulted in a late fee and interest charges. I've called Capital One about this twice now. I don't want to have to keep calling, and I expect all fees to be refunded. 

XX/XX/XXXX - Made first purchase using new XXXX credit card issued thru Capital One Retail Services XX/XX/XXXX - Credit card was declined at XXXX check out. Immediately before leaving XXXX store, I called Capital One Customer Service ( XXXX ) to find out why. Customer Service told me that my account was overdue. I explained that I had not yet received an invoice and this was very disturbing since we always pay our monthly balances on all our credit cards to avoid interest charges. I questioned whether Capital One had a problem getting bills to customers on time considering the XXXX mail rush and Covid, however the customer service representative did not acknowledge any bill delivery issues. I am XXXX, and I have never had a problem with credit card companies getting bills to me on time. 

Took this as a sign that something may be wrong with the credit card, so on the same telephone call I told the customer service representative I wanted to pay off the balance and close the account. The customer service representative allowed me to do this, but only with another debit card ... so I paid off the account on the spot in the store to avoid more problems. 

XX/XX/XXXX - This next day I received the missing bill ( attached ) in the mail. It was post marked XX/XX/XXXX, so it was delivered weeks late and was the cause of the account being overdue. 

XX/XX/XXXX ( not sure of exact date ) - Called Capital One customer service back because I was worried that they added late fees to the amount the charged my debit card to close out the account. I was told they charged a {$27.00} late fee. I told customer service I wanted that refunded. Customer service said I'd have to wait ( for a bill ) and ( I believe I'd need to ) call back to to get a refund. On this second call, this customer service acknowledged that bills had been delivered late to other customers. I don't know if this was due to Capital One bill processing or the Postal Service. 

XX/XX/XXXX ( again not sure of this exact date ) - Received the 2nd bill which showed that Capital One had not only charged a {$27.00} late fee, but also {$12.00} in interest. 

I have not called Capital One a 3rd time to ask for a refund ( {$27.00} + {$12.00} and any other charges Capital One might want to add ).

Company response to consumer: Closed with monetary relief