vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld system Inc has put this false account on my XXXX  credit. I disputed this account off before. Now they put it in my credit. I did call on XX/XX/2020 and they said it would be removed off of my credit for good. I got this off of my credit back in XXXX and you lied. This false accounts need to be out of my name. Nothing but fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This is a follow-up to XXXX, with further evidence to support the concern that XXXX XXXX dispute department may be engaging in practices which could reasonably appear to be deceptive. 

Today I received a call from a member of this department named XXXX ( sp? ) and when I returned her call she refused to speak with me. 

My general concern is that Fidelity may be contacting consumers in ways that allow them to claim that they initiated a contact, but that they are contacting consumers in ways that make it impossible for consumers to actually communicate with them, thereby saving them time and making it impossible for consumers to actually resolve the disputes they have initated with merchants. My previous experience was with a member of this department named XXXX who would call and then simply hang up. 

The calls at issue originate from XXXX. People can not be reached at this number. When this number is called, a recording plays which mentions US Bank and XXXX XXXX XXXX but makes no mention of Fidelity. This too strikes me as potentially deceptive.

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 2020-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
The loan was paid off XX/XX/2020 and acknowledged by the company, who indicated that the title would be forwarded to me within 2-3 weeks. As of this date I have not received the document and am unable to speak with anyone since being put on unlimited hold when calling their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is reporting that I have an old credit card account, that still has a {$1800.00} balance listed as owed. However, I closed this account with a {$0.00} balance. So any balance that Capital One feels is owed is due to bogus charges applied to the account after it was closed in good standing. I have repeatedly asked for Capital One to send me an itemized listing of the charges that constitutes the {$1800.00} balance, but my repeated requests have done ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items 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 2020-12-21 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: FL

Complaint narrative:
Hello, I am writing to you in order to inform you that I have unknown account in one of the credit bureau. I do not recognize this account so please remove it as I guess I became a victim of Identity theft.

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 2020-12-21 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items 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 2020-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
SOMEONE USED MT INFORMATION TO OPEN A FRAUDULENT ACCOUNT THAT DOES NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENMT ACCOUNT FROM MY CREDIT FILE THANKS.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received unsolicited USBankreliacard Debit Card in the mail on XX/XX/XXXX. 

When I called the card issuer they informed me that someone had opened an account in my name in order to receive unemployment insurance benefits from the state of Colorado. This is absurd as I moved from another state to Colorado ) 4 years ago when I retired. However, I did live in Colorado until XX/XX/XXXX. 

The card issuer informed me that one the steps I needed to take in order to derail potential Identity Theft was to file this 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 2020-12-21 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: GA

Complaint narrative:
On 11.14.2020 I've sent disputes regarding unknown and inaccurate accounts on my credit report. I haven't received any response it's over 30 days today. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.

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 2020-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I have an account with PayPal.com. I have been trying to access funds in my account for well over a month. Every time I attempt to access my money or transfer to my bank I get an error saying that they can't verify it me. I have sent several emails aa well as messages through their website. I have tried calling over 100 times and I always get the same recording saying that they're to busy to take any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XX/XX/20 I FILED A DISPUTE WITH WELLS FARGO ON XX/XX/20 WELLS FARGO FAILED TO ADEQUATELY INVESTIGATE THE FRAUD CLAIM IN THE AMOUNT OF {$2800.00} INSTEAD THEY CLOSED MY ACCOUNT UNDER THE PRETEXT OF A BUSINESS DECISION. I AM NOW LEFT WITHOUT MY MONEY BECAUSE WELLS FARGO DOES NOT WANT TO ABSORB THE COST OF THE FRAUDULENT CHARGE OR PROPERLY INVESTIGATE SO THEY IMPROPERLY CLOSED ME OUT. THIS WILL HURT MY CREDIT AND NEGATIVELY IMPACT MY RELATIONSHIP WITH OTHER BANKING INSTITUTES. I HAVE BEEN UP ALL HOURS OF THE NIGHT TRYING TO FIGHT THIS BATTLE WITH THEM. ONLY FOR THEM TO HANG UP ON ME AND TELL ME TO TAKE IT AS A LOST BECAUSE WELLS FARGO DOES NOT RE-INVESTIGATE. EVEN AFTER I EXPRESSED TO THEM THE REP THAT TOOK THE DISPUTE DID NOT WORD THE DISPUTE HOW I EXPLAINED TO HER. I REQUESTED FOR THEM TO GO BACK TO CALL AND LISTEN TO THE RECORDING THEY REFUSE TO TELLING ME THAT NOT ALL CALLS ARE BEING RECORDED. THE REP PUT FOR THE REASON " I DID NOT REMEMBER MAKING THE CHARGES '' WHICH IS INCORRECT SHE WAS VERY DISRESPECTFUL AND WANTED TO BLAME ME FOR THE FRAUD BECAUSE MY PIN WAS THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER. WHILE SHE WAS TAKING THE DISPUTE I REQUESTED TO SPEAK TO ANOTHER REP AND SHE DECLINED. I TOLD HER THAT I HAD LOST THE CARD OR IT WAS STOLEN. I ASKED THE PEOPLE I WAS AROUND AND THEY DENIED USING OR HAVING POSSESSION OF MY CARD. SHE ASKED IF IT COULD BE ONE OF THEM I TOLD HER I AM NOT SURE I HAVE NO PROOF. WELLS FARGO HAD SENT ME A VERIFICATION FOR THE CHARGE AND I REPLIED BACK " NO '' AND THEY STILL PROCESSED THE CHARGE. THIS IS THE SECOND TIME THIS BANK HAS CLOSED AN ACCOUNT FOR ME ONLY TO WRITE ME 4 YEARS LATER AND TELL ME IT WAS A MISTAKE AN NO ERROR/FRAUD WAS FOUND ON THE ACCOUNT AND I COULD OPEN THE ACCOUNT BACK UP. I HAVE CALLED, EMAILED, AND REACHED OUT VIA SOCIAL MEDIA WITH NO LUCK. I HAVE ATTACHED THE DISPUTES AND ALSO ATTACHED A LETTER THEY SENT ME REGARDING A PREVIOUS ACCOUNT I HAD WITH THEM THAT THEY CLOSED ONLY TO WRITE ME YEARS LATER TELLING ME THEY WERE WRONG AND SORRY FOR THE INCONVENIENCE. ITS NOT FAIR THESE BANK ARE SCAMMING INNOCENT AMERICANS AND GOING AGAINST BANKING PRACTICES.

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 2020-12-21 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX  XXXX XXXX, WY XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, WY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, WY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, WY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, WY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-21 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: FL

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Aggregate Adjustment amount changed after documents signed at closing ; difference is not in my escrow Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My existing home loan was transferred to Mr Cooper aka Nationstar Motgage LLC. Despite having both my home insurance and flood insurance policies paid for through my existing Mortgage escrow account. Mr Cooper has managed to lose all information on file from the original loan of who my insurance companies are and claim they have no information on file for either policy. They sent a threatening letter that there is nothing on file and that they would be obtaining an insurance policy for me despite having a fully paid policy in force for the property until XXXX/2021. I didn't ask to have my mortgage transferred so I certainly shouldn't have to waste all my time and effort into insuring they know what the XXXX they are doing. They should not be allowed to purchase new existing accounts if they are this bad at handling the transferring of all information that I didn't ask to initiate in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
Arizona Statute of limitations on this auto loan debt is met on XX/XX/XXXX, First delinquent date was XX/XX/XXXX, this a JOINT account NOT the primary holder. The original creditor and debt collector CJA Finance inc reporting the same account on XXXX  & XXXX XXXX reporting to XXXX  & XXXX  which is a clear violation. 

This dispute also being sent to all three major credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My green card is out of date. I applied for Citizenship back in XXXX 2018. I am 100 % service connected XXXX XXXX year old XXXX XXXX veteran. I have contacted VA. They forwarded my information, which has got me no wheres. I applied for loan and this was the only hold up. As of yet I have not received citizenship. What can I do? 
I have a letter from Homeland Security and Immigration Judge to Immigration give me my certificate of citizenship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: EQUIFAX, INC.
State: NM

Complaint narrative:
After sending multiple disputes to Equifax, They are just sending replies from the E-Oscar system replies that had nothing to do with the inaccuracies disputed. I demand for Equifax to perform a proper investigation of the accounts attach to this complaint and to remove any non-fcra compliance accounts from my credit report and to provide me with the method of verification according to section 623 what I mean by this I want to see paperwork, names of person spoken to by XXXX  with the account furnisher to prove accuracy on account disputed..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several inquiries on my credit report generated by Equifax. Particularly, there is an inquiry on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquiry specified is XXXX XXXX, inquiry made on XX/XX/2020. While I have an active credit card with XXXX XXXX, I did not make any inquiry on XX/XX/2020. Nevertheless, I did not have any interaction with XXXX XXXX. When I called XXXX XXXX, they said they DID NOT have a record of making any inquiry. 

By way of certified mail, on XX/XX/2020, I wrote Equifax and disputed the foregoing inquiry. ( See attached copy of dispute letter with proof of service ) Dated XX/XX/2020, I received a response from Equifax, and Equifax deemed the inquiry is " verified as reported. '' On XX/XX/2020, I wrote Equifax to provide their method of verification, to conclude the inquiry was verified, pursuant to Section 611 ( a ) ( 7 ) of the Federal Credit Reporting Act. 

However, dated XX/XX/2020, Equifax responded to the letter requesting its method of verification by simply resending the same letter it initially sent ( XX/XX/2020 ) without any detail or specificity with how/what methods it took to verify the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX, I wanted to lift a credit freeze I placed with Equifax so that I could order digital tax transcripts from the IRS. This requires the IRS to perform an identity check using my credit history. I found out then that Equifax has changed their process from PIN-based to user account based. I attempted to create a myEquifax account, but I was met with an error message stating that Equifax is unable to verify my identity and the I would receive a special code through the mail. 

About 2 weeks later, I received a letter with the verification pin from Equifax and attempted to create an account again. However, after submitting my information and the verification pin, the my.equifax.com website displayed a message saying that my registration is not possible to complete and that I should call their customer support at XXXX. I did that and a representative told me that she was unable to verify my identity and requested that I mail them a letter describing my problem and my personal information along with a copy of my driver 's license. 

I sent the letter along with a copy of my license on XX/XX/XXXX. I had not received a reply by XX/XX/XXXX, so I decided to send a follow up letter ( along with copy of license ) that day. I mailed both letters to the address the phone support specialist told me and that I verified online : Equifax Customer Service, Equifax Inc, XXXX XXXX XXXX, XXXX, GA XXXX. Today is XX/XX/XXXX and I have not received a response to either letter. 

Due this problem, I am unable to lift the credit freeze I placed on my credit history in XXXX. This has inconvenienced me so far by : - being unable to verify my identity with the IRS and request digital copies of my tax transcripts. 

However, this will create bigger problems for me in the future, such as : - inability to pass a credit check for renting an apartment. 
- inability to pass a credit check for purchasing a new car or house. 
- inability to verify my identity with other government agencies, eg. USCIS. 
- inability to sign up for a new credit card. 

To that end, this issue can create a number of difficulties in my life and that of my family. Unfortunately, I have exhausted the ways that Equifax makes available to get support with their product and I am forced to lodge this complaint with you, the CFPB.

Company response to consumer: Closed with explanation