vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Account Name : CITI Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$4000.00} 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 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a credit card in my name from Wells Fargo. My husband had just received a card from them. He applied online and the card arrived in less than a week. 

After following the exact process as my husband, I received a letter that stated that my card was denied because Wells Fargo could not identify me. This is because most of our assets are held jointly by my husband and myself. In order for me to get a card, I have to submit three pieces of ID : a government document with my photo, and at least three months of documentation from each of two accounts that have only my name on them. And, they will not accept email or USPS mail, only fax or delivery in person to a Wells Fargo branch. The nearest one is more than 50 miles away. 

I have contributed to Social Security since I was XXXX. I am now XXXX  and receive a Social Security check each month. I am a retired teacher and receive a pension from the State of New jersey. Our home is owned jointly by my husband and me, without a mortgage as are all other accounts. Our credit rating is over 800. I do have two accounts in my own name, but why is this necessary for me and not my husband? 

My complaint is that because I am a woman, I have to jump through hoops to get a credit card in my name ; my husband only had to apply. Why do I want this credit card? 
A friend who was recently widowed was shocked when all of the credit cards in joint name were stopped upon her husband 's death. 

Thank you for listening to my issues on behalf of all married women. 
XXXX 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 2021-09-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have unverified inaccurate late payments showing on my XXXX XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 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 Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cawley & Bergmann, LLP
State: IL

Complaint narrative:
Company contacted me on XX/XX/XXXX and left a voicemail saying they are trying to collect a debt. No make was mentioned and I have not received an correspondence in the mail notifying me of the debt and my right to dispute. Called me again on XX/XX/XXXX and left a voicemail and still nothing in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka XXXX XXXX  ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr Chapter XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, Experian credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only Experian has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX XXXX only XXXX shows my XXXX XXXX XXXX. My lease Expires in XXXX of XXXX, this will have been my 6th lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, XXXX XXXX  will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to XXXX  dont know where to go from here

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 2021-09-22 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: MS

Complaint narrative:
I have unverified inaccurate late payments showing on my XXXX  XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX  XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.

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 2021-09-22 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: LA

Complaint narrative:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello, I am was under the impression that my loan modification was going to deffer my payment to the end of my loan. Instead I noticed that I have been charged interest the last year on my mortgage and know they are saying I own more money then one year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
AFTER paying a {$390.00} application fee on XX/XX/2021, for a mortgage refinance to US Bank, I was informed that the fee is non-refundable. A full 2 weeks after the fee was collected ( XX/XX/2021 ), I received a file of dozens of pages of documents to sign in which I discovered, buried somewhere in the middle, that the fee is non-refundable. Moreover, it was not until 3 weeks after the fee was collected ( XX/XX/2021 ) that I received the disclosure stating the application fee " may not be '' refundable on which appeared my husband 's signature, BUT NOT MINE. According to US Bank, he is able to enter into a legal financial agreement for which I am also responsible without my consent. We have asked US Bank to return the fee to which we both did not consent, but most importantly to which THEY DID NOT DISCLOSE TO BOTH RESPONSIBLE PARTIES THAT IT " MAY NOT BE REFUNDABLE '' UNTIL AFTER THE FEE WAS COLLECTED.

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 2021-09-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX my credit card information ( ending in XXXX, now XXXX ) was stolen and used to make purchases at an XXXX XXXX and XXXX XXXX. 

I was contacted by someone claiming to be Chase bank at XXXX on Wednesday XX/XX/XXXX. They informed me that fraud had taken place and they were going to cancel my card. They asked for a code that was being texted to me to confirm I wanted the card " canceled '', when I received the code the number was from my Chase Debit Account so I didn't think much of the validity. I did not provide any other information. I did not tell them my credit card number. They told me my card would be canceled and a new one sent to me. 2 days went by and I noticed these purchases on my account so I called Chase to ask why my card hadn't been canceled before. They told me that they had no record of someone at Chase calling me and there was no claim to cancel my card. 

The people who called me were the ones who added my credit card to their phone wallet to make purchases in person, making it harder for me to dispute them. 

The purchases were made in person because the criminal added my credit card information to their apple wallet on their cell phone. I did not authorize these purchases, I don't even know what they bought. I do not know who this person is. 

The amounts were : {$1200.00} - XXXX XXXX {$1100.00} -XXXX XXXX {$12.00} - XXXX XXXX XXXX  and XXXX XXXX They tried to make a order to through XXXX from XXXX XXXX XXXX  ( image added ) but that order didn't go through and has since been removed entirely from my statement. 

I reached out to my bank and they canceled my credit card, issued me a new one and informed me that the case was covered and they returned the stolen money to my statement. 3 weeks later the transactions were back on my account without notice. I contacted Chase Bank and they informed me that this was not considered a Fraud Claim but a Dispute so I would need to refile a claim with Dispute department. Despite me explaining that I did not qualify for a dispute because I did not make these purchases, nor do I even know what they are for, they continued to give me the go around. Every time I called no department seemed to know where I should go. This went on for 2 weeks of me calling and going in person to the Chase branch near me. 

Eventually they agreed to reopen my claim, and on XX/XX/XXXX I was informed that they again decided the purchases were valid and would not be reimbursing me. 

I have contacted XXXX and they won't help me because I no longer have the correct credit card ( It was canceled and I was told this issue was put to rest so I got rid of it ) and since I don't know what the purchases were for ( As I didn't make the transaction ) they couldn't help. 

I have filed a Police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
SOURCE RECEIVABLES MANAGEMENT has violatedmy consumer rights pursuant to the Fair debt collection practices act, fair credit reporting act and more. They are stating I owe an alleged debt, understand I do not owe any allege debts. My identity has been stolen by SOURCE RECEIVABLES MANAGEMENT, this is identity theft because they have my private person information without consent. I do not have any contract with SOURCE RECEIVABLES MANAGEMENT and they are attempting to coerce me the consumer, defined in 15 usc 1692a ( 3 ), to pay an alleged debt not owed. I have sent SOURCE RECEIVABLES MANAGEMENT a cease and desist, identity theft report, and enforcement action with affidavits all certified mail/return receipt XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There were unauthorized transactions happening on this card and now capital one closed my account without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This refers to several complaints to CFPB to which the company has given evasive responses, last of which was dated XX/XX/2021. 
The company not only had an obligation but also a legal duty to disclose the visitor policy. In fact, the company has now admitted that they did not disclose the visitor policy. Visitor policy is a " material fact '' that the creditor was required by California fraud law to disclose. Merely stating that they had " no obligation to disclose the visitor policy '' does absolve the company in any way. The company has " failed to disclose material facts '' and therefore committed fraud under California law. In its last response, the company has admitted that it committed fraud.

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 2021-09-22 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-09-22 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: MI

Complaint narrative:
I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kolter Financial Services, LLC
State: FL

Complaint narrative:
I was trying to refinance my home via XXXX XXXX  and XXXX XXXX. Starting near the end of XX/XX/2021. I gave them permission to pull my credit. XXXX weeks and lots of lies later when the deal fell through, they pulled it again on XX/XX/XXXX. without my permission in a desperate attempt to come up with a deal with another company. This happened after I had severed ties with XXXX XXXX and XXXX XXXX  on or about XX/XX/2021 

When I was notified that another hard credit pull had been done from a company I didn't recognize, I contacted XXXX, XXXX and XXXX. I discovered that the pull had been initiated by XXXX XXXX. 

I tried with all three credit reporting agencies to get it removed and was informed that an 'in error ' letter had to be provided to XXXX by XXXX XXXXXXXX XXXX. Apparently XXXX XXXX acted as an agent for XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX 

They have not provided me or XXXX or any of the credit reporting agencies with the requested letter. 

I now have a 'to many inquiries ' designation on my report and a credit denial from XXXX for a loan I had cancelled a week prior. 

XXXX XXXX repeatedly told me 'he was learning ' during the XXXX weeks we tried to do business with him. 

Apparently he hadn't learned that you have to get permission for each credit pull. I did not give him permission to do another hard pull on my credit. 

XXXX XXXX insists that hard credit pulls won't affect you XXXX XXXX because they're related to mortgages. XXXX XXXX insists that a 'denial ' won't affect your credit. Both do. 

They will stay on my report for at least 2 years. 

Happily, I have secured a mortgage through a credit union and the process went very smoothly. 

Run away from these guys unless you want to become an ugly learning experience for them especially XXXX because he really is incompetent to be doing this kind of work. XXXX XXXX is basically the gangster, bargain basement, used car salesman of the lending industry..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is NOT a duplicate complaint. I am STILL sending the company messages and NO ONE is STILL responding to me. As late as LAST week. So no, this is not closed as they are STILL IGNORING me.

Company response to consumer: Closed with explanation