vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
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: TX

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The scammer reached out to me on XXXX under the account @ XXXX for an art commission. They offered {$200.00} for a gouache painting. Once they were about to send the money, they said they accidentally wrote {$2000.00} instead of {$200.00}. They told me to deposit the check because they used their child 's savings account. So I thought that I had to deposit the check once I got it and send {$1800.00} back to them through XXXX under the name of XXXX XXXX, which they gave to me. After a few days of sending the money back to them, I checked my XXXX XXXX XXXX account on the XXXX of XXXX and saw that my bank took {$2000.00} from my checking account. When I reported it to the bank, it turned out the scammer did not pay the {$2000.00} check, which means I sent the scammer {$1800.00} from my own money and received {$0.00}. On the same day, the scammer claimed they wrote a second check under my name for another {$2000.00} but I told them there was a problem with my bank, and then they blocked me on XXXX. Once I reported a fraud claim to the bank, I called XXXX to see if they can take the money back to no success. The scammer 's bank, Chase, refused the claim because I wasn't hacked and it was a valid transaction since I initiated the transaction. Now I have lost {$1800.00} from my account because of them. The bank suggested I should report it to the authorities because they can't do anything else to get the money back. The scammer targeted an international student illustrator with open commissions on their social media. Another XXXX account tried to contact me the same way @ XXXX did but under the name @ XXXX. I hope you can help me and stop their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MS

Complaint narrative:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Afni Inc. ) for committing identity theft. I have never given ( Afni Inc. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( Afni Inc. ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Afni Inc. ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Afni Inc. ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Afni Inc ) continues its collection efforts, I will file for litigation for actual damages caused and ( Afni Inc ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, XXXX, 2021, without my authorization, XXXX, an employee from Best Buy requested a new credit card under my name. That night, I received a notification from XXXX letting me know that a new credit card had been requested and that a HARD INQUIRY was posted on my credit report. I had no idea why he did that, when I was at the front desk of the store, I requested a copy of my receipt from a previous purchase, ( There was no reason why he would request a new credit card because I have had a credit card from BestBuy/Citibank for over 10 years. 
The next morning, I did several things, one I called the XXXX number to confirm the notification from XXXX and they said yes, there is a HARD INQUIRY for a credit card from BESTBUY/CITI BANK XXXX and they recommended to freeze my account to prevent more problems. Then I went to BestBuy and I requested to speak with the General Manager, XXXX XXXX. I told him that I was very upset because I did not request I new credit card and it put a HARD INQUIRY on my credit report. He said that employees don't get any bonuses or rewards for getting people to sign up for new credit cards. And he offered to pay for the removal of the HARD INQUIRY and to keep an eye on XXXX and to watch the recordings to see why he is doing this. Ever since, I have been calling BESTBUY and CITI BANK to resolve this problem, but they don't fallow through. I also went to the XXXX Police Department to file a complaint. I also reported this to the FTC. Unfortunately, XXXX is not doing anything either. I sent to XXXX all the document they requested but they just don't follow through either. I call the BestBuy Credit Services every time I get a letter from them to let them know that they have the wrong address and that my name needs to include my middle initial, because XXXX claims that they don't receive anything from BestBuy under my name. Today, my Neighboor just dropped off another letter from BestBuy Credit Services with the wrong address and my name without my middle initial. XXXX will not do anything if the request to remove the hard inquiry does not match exactly how my personal information is in their system. Please help me!!!

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 2022-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 




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 non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/2022, I received a mailed advertisement containing a pre-qualified offer for a loan from NetCredit ; the letter stated that the annual percentage rate of the loan would be 93-to-99 %, a rate far beyond the maximum allowed interest rate in XXXX XXXX I called the number listed on the offer ( XXXX ), and after being connected to a customer service agent and requesting information regarding the contact information for their company 's legal team, the agent disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
Taxes were not paid to township since XX/XX/XXXX Received notice from township that house would be auctioned if not paid in full including late fees totaling {$5300.00}. We paid the taxes out of our savings account. 
Filed a complaint with the department supervisor explaining that they owe us the late fees because they were at fault. Issue was not resolved. 
Escrow account is still wrong. 
We decided to refinance our mortgage and just pay the taxes our serves since they can not pay them correctly. 
Refinance process began with Flagstar XX/XX/XXXX. 
After multiple phone calls to the mortgage company, we have yet to close our mortgage. 
At first, they explained that their system was down for 3 weeks.

Then the Loan Servicer explained that her company computer had a virus and she was working on it. 
All of our refi documents expired including our Rate lock and they had us resend everything. We still yet to close our refinance.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Credit card a insurance and was paid and still remains in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo reported an amount of {$5100.00} to IRS for tax year 2020, a payment which was not received from Wells Fargo Remediation Program. I've requested this error corrected to show no such payment received, denied, Wells Fargo reps claim check was cashed in my name. The item was cashed fraudulently, an affidavit filled out in re, investigated, the cashing bank, XXXX, will not release funds back to Wells Fargo... The IRS reporting matter remains unresolved, needs to be corrected to show no payment received for tax year 2020.

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Creditor : XXXX XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, Transunion these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at

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 2022-03-28 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: PA

Complaint narrative:
Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - Account:XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, Equifax, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: PA

Complaint narrative:
Creditor : XXXX XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as Experian, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out because there was a XXXX XXXX XXXX  account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit

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 2022-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 




XXXX XXXX / XXXX / {$5500.00} XXXX / XXXX / {$8100.00} XXXX / XXXX / {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Filing & Reporting, Inc.
State: MI

Complaint narrative:
Goldman , Lauder & Cross | Reviews | XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXX & XXXX. This business is not XXXX XXXX. 

I paid Goldman , Lauder , & Cross in XXXX for a XXXX XXXX XXXX credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( XXXX XXXX XXXX XXXX ). I contacted Goldman Lauder and Cross at the above information to procure a paid in full letter to give to the new company. 

The person at the ( XXXX ) XXXX took my name and the last XXXX digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then XXXX. In order for us to send out that letter, you have to get a XXXX XXXX XXXX. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. 

I called back the XXXX XXXX XXXX XXXX  and am now paying them again to avoid civil litigationXXXX XXXX XXXX XXXX  settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to XXXX XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to Goldman , Lauder , & Cross in XXXX. Goldman never sent a paid letter or email, but I do not still owe this XXXX debt and am now paying a second time. 

I wanted to see what would happen when I called back Goldman , Lauder & Cross. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a XXXX credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I had called in to their Banking Voicemail Service on XXXX different times requesting to transfer money from my Money Marketing Account to my Checking Account to avoid any overdrafts. I did speak with a XXXX about the issue and she was able to make the Transfer on her end. However she appeared to not know what was going on in reference of the issue. However just out of curiosity I had called the Banking Voicemail again and they vindictively did the same thing by rudely hanging up on me. This comes from me reporting this Bank several times for their constant misconduct. Because on Tuesday XX/XX/XXXX my now deceased XXXX XXXX XXXX spoken to a Customer Service Representative by way of a recorded conversation by stating that she didnt want any of my siblings most definitely my sister XXXX XXXX XXXX XXXX to have any access to her Banking Accounts. Make that she also had a XXXX Benefit Account for me but only to find out a few weeks after her Funeral on XX/XX/XXXX they allowed my sister XXXX XXXX XXXX XXXX to commit fraud by cleaning out her accounts. Make note that prior to all of this my sisters power of attorney powers were stripped by the XXXX  Court here in XXXX Pa and plus the one she had was proven to be fraudulent. But yet PNC Bank covered up for her crime and then lied about the recorded conversation taking place on XX/XX/XXXX. Make note that the PNC Bank XXXX Department claimed that they were doing an internal investigation concerning this fraud and the constant lying from their employees way over XXXX  months ago and to this day theyve done absolutely nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. 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 non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: WA

Complaint narrative:
I was pursued by XXXX XXXX earlier and now by Pendrick Capital Partners II, LLC for a {$890.00} medical bill on behalf of XXXX XXXX XXXX for a medical procedure ( CPT Code : XXXX ) done on XX/XX/2015. I have no recollection of any such service received by me or my family. I do not recollect every seeing this doctor- XXXX XXXX XXXX and also have never been to this hospital in XXXX WA. I called the Hospital and also Physicians Office and they do not have any record of me. I asked Pendrick to send me details and the date of birth and Phone number on the record are wrong. This clearly is a mix-up or fraud as my name is a common XXXX name ( XXXX XXXX ). 

This claim showed up on my credit history and had a significant impact, bringing down my credit score. I was about to buy a house and now I am stuck due to a lower score.

Company response to consumer: Closed with explanation