vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: NY

Complaint narrative:
This letter is in reference to my poor experience with Lending Club 's customer service operations, from the loan application submission on XX/XX/XXXX to date. 

On XX/XX/XXXX, after submitting the corrected documents requested around XXXX, the same day near XXXX I received an email from Lending Club to upload the same documents that were already submitted. 

I then called Lending Club customer support to clarify the confusion. I called in around XXXX and spoke to a representative who stated he would note my account the specifics of me being self-employed, not possessing a W2 form, and having submitted all equivalent documents requested. As well as the representative verbally confirming my address information. 

However, at XXXX I received yet another email from Lending Club to upload again my : 1 ) W2/Year-end pay stub 2 ) The 1099-MIsc 3 ) Address document Upon calling XXXX XXXX customer service again, I spoke to a female agent who referenced the notes from the previous representative I had just spoken to. In the end, she confirmed again all documents are in receipt, and the email repetition were more than likely due to a systematic error. 

Nonetheless, the disorder continues, as I receive a missed call from Lending Club on XX/XX/XXXX early afternoon. I called customer service only to be informed from the representative, Lending Club is requesting 3 documents. 

When addressing this will in fact the 3rd time Lending Club is asking for the same 3 documents. The representative again apologized for the confusion, confirming yet again documents have been submitted. 

From XX/XX/XXXX to date, this issue was never resolved nor addressed. Instead, after Lending Club received my grievance complaint letter on XX/XX/XXXX, regarding their disorderly customer service I've experienced for over 2 weeks. Instead on XX/XX/XXXX, Lending Club 's response to me was denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Management Solutions LLC
State: KY

Complaint narrative:
I was contacted on XX/XX/2022 by XXXX  a third party collector for XXXX XXXX. XXXX XXXX is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify XXXX  who will then notify Lendmark to update the tradeline as paid. Due to this agreement that XXXX  was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay XXXX they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX  asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX  has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX  used incorrect collection practices and they need to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NC

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

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 2022-01-10 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: NC

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
account is showing as collection/chargeoff, but it was discharge on my bankruptcy in XX/XX/2020, last update send it from the company was XX/XX/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 explanation
Consumer complaint received 2022-01-10 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: CA

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/21, I received a text from what I believed to be Wells Fargo Bank. It stated that there was an attempted XXXX transfer of {$3500.00}, & asked me did I approve this transaction. I replied " NO. '' Later that day I received a call from what I thought was Wells Fargo ( per the caller ID ). The caller said he was with Wells Fargo, referred to the above-mentioned transaction, & told me that in order to reverse this transaction, I had to go into my account online & follow his instructions. I went into my account, & he then had me : 1 ) set up an account in my name with XXXX XXXX & 2 ) XXXX transfer {$1000.00} from my savings account to this new XXXX account. He also talked me through setting up a wire transfer of {$1400.00} from my checking account ; I was later able to cancel this transaction. He then told me not to log in to my account for XXXX hours. When the call ended, I was suspicious & I called Wells Fargo & was connected to the Fraud Dept. They informed me that this is a current scam, & it was unlikely that I woud get my money back because XXXX is a cash transaction. They did open up a claim, # XXXX. I received a letter from Wells Fargo today, with their final determination, & then called them. I was told that this scam was not considered fraud & I woud not be reimbursed. I am a retiree on a fixed monthly income, & needed that {$1000.00} to pay bills. I

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 2022-01-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I requested a refund of a credit balance of {$430.00}. The person on the phone asked for my address, I gave her my address and she said that I would get the refund in about 30 days. I asked if it was going to be a Citi or a non-descript envelope and she said Citi. 
After the 30 days had passed I called again and was told that they were going to re-issue the check. When I gave her my address she indicated that they still had my old address on file. She corrected my address and told me to expect a non-descript envelope in 30 days. 
On XX/XX/XXXX I called about the status of my reimbursement. XXXX told me that it had been processed and that it should arrive by Thursday ( XX/XX/XXXX ). 
On XX/XX/XXXX I called about the status of my reimbursement and to speak to a supervisor. XXXX told me that a supervisor would call me in 24 hours. 
On XX/XX/XXXX I received a call from a Citi supervisor and she assured me that the payment was going to be reissued. She told me that she was going to find out if the check could be XXXX and that she was going to call me back to let me know. She never called back. 
On XX/XX/XXXX I called again and XXXX said that the payment was arriving that week. 
I have checked the mailbox every single day for months now and I have received no check. I get Citi 's junk mail just fine. Today is XX/XX/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 monetary relief
Consumer complaint received 2022-01-10 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The collection agency is Fair Collection and Out. I have disputed the amount multiple times with no help. Recent dates include XX/XX/2021, XX/XX/2021 and today. I have spoken with two representatives on the phone and even left a message for a manager. I have informed this company that the paperwork submitted to them from the original debtor is false and they are still not willing to help me. The original debtor no longer exists. I am trying to get this taken off of my credit but they are basically telling me I have no choice but to pay it or leave it on my credit. I just want this problem resolved.

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 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX auto finance, XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have multiple hard inquiry from Navy FCU that I am not aware of. The dates are XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 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 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unity Asset Management
State: LA

Complaint narrative:
XX/XX/22 First contacted me by phone. Represented this as a claim not an owed debt. Before I could call back they had called other people about this, one being my ex-wife whom I havent had any contact with in several years. 


When I called them back the person I spoke with told me theyre not a debt collector and only wanted to get a statement from me. 

I then requested they not contact me or any related 3rd party about this. He then begin to argue with me so I hung up. 

I did send a msg via their wed page that to only contact me by mail or email. No more phone calls to me or 3rd parties about this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: KY

Complaint narrative:
I was contacted on XX/XX/2022 by XXXX a third party collector for Plaza Services. Plaza services is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify Plaza who will then notify XXXX to update the tradeline as paid. Due to this agreement that XXXX was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay Plaza they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX used incorrect collection practices and they need to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CT

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX Mr Cooper the loan servicing company and XXXX  holder for my house discharged the mortgage. They mailed and emailed me a statement showing that the remaining balance was discharged. Their statement was confusing to say the least. on the top right corner they have a date of XX/XX/XXXX of a payment of {$100000.00}, within that same page in the center that amount of {$100000.00} states that it was discharged. When i call to get a better explanation they said that its not discharged and they are no longer servicing the loan which makes no sense. I have called over 8 times and spoken to multiple agents and neither seem to help or be able to tell me when the discharge of mortgage will be sent. 

each agent said to me that XXXX XXXX is now handling the loan. When i call XXXX XXXX they state that they are not handling the loan and sent it back to mr cooper. 

I then ask them to provide me a copy of the discharge of mortgage and its been over 60 days pushing 90 days with no letter/copy of the discharge whether its satisfied or not. If they discharged it as they stated to me over the phone and by the statement they provided to me, why have they not sent the discharge to XXXX XXXX office to be recorded. Due to this I am not able to do anything with my house. This unlawful XXXX  is still recorded against my house.

Company response to consumer: Closed with explanation