vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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:
I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX, XXXX XXXX XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
the accounts was never authorized to report on my credit, please see below the list accounts on my report : Identity Theft WF/XXXX XXXX Account XXXX : XXXX This is not mine.

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 2021-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CW Financial
State: CA

Complaint narrative:
I was called at work by Crestwood management at XXXX. They threatened legal action for a pay day loan received in 2014, over 7 years ago and past the statute of limitations. When I refused to pay they stated " See you in court '' and very rudely told me to hang up. When I informed them that I was going to file a consumer complaint the person on the other end asked me, " are you having fun yet? ", laughed and hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Your card product has some issues. Lets start with the one Im most annoyed with currently that I believe to be the biggest UDAAP risk to upgrade ... there is no way to schedule a payment close to your statement cycle date, and the payoff option is also not available. I wanted to payoff the card on Friday before the account cycled, but was unable to. The closest it would let me get was the day after my statement cycles. And before you say, oh, you could have called us, just know I tried and I sat on hold for almost two hours waiting to get to a person. 

Because the upgrade card is less of a card product and more of a line of credit product, you are not charging compounding interest, you are charging daily simple interest. I am unable to keep myself from receiving this daily interest charge between XX/XX/XXXX when I wanted to pay my card and XX/XX/XXXX when the screenshots below say I could pay my card because your system unfairly disallows customers who want to pay off the balance in full. Also, you are then causing a trickle down effect with your already incredibly delayed credit reporting - now my account wont show as paid in full for two months which can adversely impact me if I am trying to get credit elsewhere. 

This brings me to my next point. The way the card is presented to the bureaus is deceptive at best. You call the product a card but in your metro2 reporting, you represent it as a personal loan. Maybe somebody got lazy when you were building the product and didnt want to create another metro2 file every month, but it has negative consumer impacts. You are not showing the available credit, you are not showing it as revolving, you are constantly editing the highest account balance with every new report because they see the trade line as essentially new. If I thought it would get me anywhere, Id have filed an FCRA dispute by now, but I know it wont. 

Third issue Im currently facing with my upgrade card - your company does not follow NACHA requirements. There is no way for a customer to cancel their payment on your website and obviously hiring enough people to answer the phone is a challenge. You need to rework your payment confirmation emails to contain all of the necessary pieces of information to remain NACHA compliant as well as allowing self-service options for cancelling payments via app/web.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
On Sunday XX/XX/2021 at XXXX XXXX I received a call from my bank Current stating that someone in Texas was trying to charge {$500.00} to my card from a XXXX. We verified information and I thought my account was safe after that. I got a deposit in my account on Tuesday, XX/XX/2021 at XXXX XXXX And then on the same day Tuesday, XX/XX/2021 at XXXX XXXX Someone had hacked into my account and sent {$320.00} to a person that I dont even know. I am immediately contacted Current to try and get this matter resolved. I put in a dispute for the charge and waited 24 hours only to find out that They will not be refunding my money due to someone hacking into my account and authorizing a payment to be sent to the user by the name of XXXX XXXX. I am at a loss for words I am not able to speak with anybody over the phone it is all done over chat and I am being spun down a rabbit hole. Ive had no help whatsoever and most likely will not be getting my money back. This is very upsetting because I havent even gotten a confirmation as to whether or not any further payments will be taken out of my account. I have not gotten any confirmation that any security measures have been taken to even make sure this will not happen again. 
I am submitting a complaint against the bank called Current. 
I am submitting this complaint for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON XX/XX/2020 I spoke to a Capital One representative regarding my account and my inability to pay the minimum amount due to COVID. I was told by the account representative that she was going to put me in a payment program of {$200.00} a month for the life of the balance. After paying the {$200.00} I was told I was past due. I reached aback out and was told that there was no program of the sort. I escalated the issue to senior management which took several months and several months of receiving late payments ( which they still have no fixed for my credit score ). I was told at that time that if the agent said that they would have to honor it. Well i was contacted by a manager and was told that I was correct and the agent did in fact say that ( they then waived all late fees ) but was told they still couldn't put me into a program even if it was one the agent told me. I called again today to see about the program and they gave me no options just that there is no program available and they wont honor the one the agent told me about. They are abusing their power and should be held liable for promises that there agents make that they do not honor, especially when it can be proven. I asked to speak to another senior supervisor regarding this and they wouldn't let me because " I already spoke to someone about this '' so not only will they not honor the program but they wont even communicate with me. The conversation was done by chat so it should be easy to pull up if they haven't altered it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC.
State: FL

Complaint narrative:
I am formally complaining about Pacific Premier Trust 's inability to properly display the transaction records for my IRA Roth and Traditional accounts. Nothing at all shows in the transaction records history. Further the Dashboard shows Unrealized Gain/Loss amounts that are totally fictitious. The amount shown are actually the asset values not a gain or loss o them. 

I spent an hour on the phone with the support desk yesterday and they could not do anything to resolve this. On switch over to a new system my old ID/Password combination would not work and my account got locked out. The help desk did restore that but only for top level summary information. No details. 

I am deeply disturbed that the bank can not properly manage and correctly report my accounts. I pay you fees for this. I am not getting value for these fees. I can not access current or historic records I need to complete reconciliations, taxes and/or do valuation/sale of the assets using these records. This is a total failure on the part of the bank. 

I have been on line with the bank 's support desk to no avail. I also wrote a formal complaint as noted above. The support desk said they would get someone back to me in 24 hours. No one has done so. I just checked the account record prior to sending this note and nothing has changed. 

They appear out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
I couldn't make my mortgage payment due to COVID and worked with Caliber to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Some company named LVNV ( Theyre not even on my credit report ) filed a Lawsuit against me in XXXX of this year with a Lawfirm in Michigan, I live in Ohio. Someone apparently signed my name with COV19 ( I would never sign my name in that manner ) to make the lawsuit legitimate. I only found out about the lawsuit because bankruptcy Attorneys began sending me letters informing me that I was being sued. I never received a complaint. I have no business with this company nor Lawfirm or Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Received repeated phone calls and letters attempting to collect debt. Agent XXXX XXXX contacted me in XXXX and at that time I requested further communication via regular mail and to confirm the original creditor. Agent became belligerent regarding his prior attempts to collect the debt and also proceeded to collect by offering a settlement prior to confirmation of debt and original creditor. I sent a letter to agent certified with return receipt requesting confirmation of original credit and debt in XXXX. I have yet to receive any written confirmation from agent as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Hello, as far as I understand it is possible to help us with an unpleasant situation we are currently facing, 3 months ago my wife and I created 2 accounts at TransferWise ( Wise ), the accounts were verified with documents everything was fine until a certain point, we have an online store that generates the family income and we used the Wise account for transfers, Wise decided to close our accounts and our money stuck there, about XXXX euros, they tell us that the money back process takes 60 working days, but we can't wait that long and we consider this illegal. Can you advise or help us in this situation? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX, XXXX, XX/XX/XXXX and most recently in XX/XX/2021 I sent dispute letters to the credit reportimg agencies about fraudlent inquiries. It should also be noted I sent an addidtional letter on XX/XX/2021. I have requested investigations into the matter and I requested that they send me a full description of the procedures used in the investigation and to be sent proof of my consent for my file to acessed in my recent letter. 

Its been almost 6 months and I still have not been notified or see any updates or changes to my credit report. NONE. Not one single acknowlegment OR ANY CHANGES OR REMOVED INQUIRIES!!! 
I send the letters certified so I know they are recieving them but I am being ignored AND WHEN I CALLED RECENTYLY THE REPS WERE NOT HELPFUL!

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 2021-06-02 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: GA

Complaint narrative:
On XX/XX/2021 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 Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CA

Complaint narrative:
I reached out to Equifax on XX/XX/21 regarding fraudulent student loans that were defaulted under my name. I am a XXXX XXXX and the government paid for my schooling. I sent them an identity theft report, my ssn card, my id, and 2 proofs of address. They did not remove the accounts, nor did I receive correspondence on why they left 4 fraudulent accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: SC

Complaint narrative:
I couldn't make my mortgage payment due to COVID and worked with XXXX to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
XXXX XXXX XXXX, is a hawk in calling and reminding you that your payment was due that morning. Which is the reason I chose to pay off this account early. This will be the second loan through the company, so I knew the practices but was in a bind. My last payment was XX/XX/XXXX to close the account and receive back the title for my truck used as collateral for this personal loan. I received the title the day of pay off in full. However, a few weeks later, I was activating a new credit card which had expired and noticed my credit score dropped 28 points this month. Little investigation later, come to find out, XXXX XXXX XXXX mis-reported by loan payment ( for account that is paid in full ) as >30 days late on XX/XX/2021. Worse, analyzing their web site say they report to credit bureaus, but all that is see is their single negative report and none of the months where the noted was paid as agreed. 

I've reached out the to the local office, who then forwarded me on to corporate after apprising them of the situation and to which I've had no response for ownership of the problem and ultimate correction of their error.

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 2021-06-02 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: CA

Complaint narrative:
On XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XX/XX/21 INQUIRY NOT MADE BY ME. I AM NEW TO 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 2021-06-02 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: NY

Complaint narrative:
This issue upsets me a lot because I know that it'll affect me with my further transaction and I know it'll become harder to make deals with credit. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ).

Company response to consumer: Closed with explanation