vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiries on my credit that do not belong to me that appear on my Equifax credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX  C XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have reported to Equifax that these items are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was XXXX XXXX XXXX for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX XXXX civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I am a first time home owner and I purchased my home in XXXX of XXXX. At my closing, I was told to put away a certain amount of money for escrow as there might be a shortage. I did as instructed and fast forward to XX/XX/XXXX, I get a tax bill that higher than expected, based on the discussion that took place at the closing table. The bill was sent to my mortgage company and they paid it. To recoup their funds, they built the amount into my house note, which increased my house note by a little over $ XXXX/mthly. I was offered a modification as a way to assisting me by reducing my mortgage and allowing me to put away the additional funds for my upcoming tax bill. The trial period for this arrangement was for four months. Once I completed it, my interest rate was to be reduced from 5.125 % to 3.25 %. I have since completed the trial with on time payments and received my paperwork for me to agree to the loan 's new XXXX XXXX XXXX XXXX XXXX During the evaluation, I start receiving letters from a few of my credit card holders that they are either reducing my limits or closing my accounts due to non-payment of real estate. This is not accurate and upon speaking with Gateway Mortgage, they tell me that they won't report my house payments until I restart the process. They want me to do a new appeal because the date of my signature and the date of the notary are two different dates. In the mean time, my credit has received adverse actions from four of my creditors. Three of them have reduced my credit limits and one has closed my account all together. This is unjust and inaccurate and I would like for this company to be investigated for their unethical practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I contacted TD Bank in XX/XX/2021 regarding a home equity loan on my co-op located in XXXX, NJ. I was assigned to XXXX XXXX, XXXX, Mortgage Loan Officer, NMLS # XXXX. After numerous phone conversations, Ms. XXXX assured me that she can process the home equity loan and that TD Bank provides financing for home equity loans in the XXXX of NJ. After those confirmations and assurances ( conversations which were recorded ), I and my co-applicant agreed for Ms. XXXX to run our credit histories and proceed with the application. After the loan went to underwriting, I was informed that TD in fact does NOT do home equity loans in the State of NJ. I left Ms. XXXX two voicemails to get an explanation, which she did not return. 

Upon this non-response, I requested to speak to a supervisor. After a few more follow-ups, on or around XX/XX/2021 ( about 3 months after my initial application ), a supervisor named XXXX XXXX finally called me back. He nonchalantly told me that TD Bank does not finance home equity loans in the State of NJ, only in NY and offered no further explanation. I requested that the inquiries be removed from mine and co-applicant credit reports because those were agreed to based on misrepresentations made by Ms. XXXX and he said he will make the request. I followed up on XX/XX/2021 on the status. The supervisor refused to speak to me and I was informed by XXXX XXXX XXXX, Loan Processor, NMLS ID # XXXX that my manager said he escalated to the appropriate parties for further research, as discussed in your last conversation with him. And as soon as there is an update someone else from that department will reach out to you. As of today, XX/XX/2021, I am still waiting on a status update and more importantly on a resolution. 

Ms. XXXX was negligent and misrepresented, lied, and took advantage of an elderly applicant ( I am XXXX XXXX XXXX ). As such, she should be immediately stripped of her license and she should not be allowed to take advantage of consumers, especially elderly ones. Because of her actions, my credit report was damaged, I am facing high interest rates with new creditors, and I have lost 3 months of time that I can not get back. 

On the other hand, the supervisor XXXX XXXX was rude and refused to talk to me and provide status update and a resolution to my case. He should not be in the supervisory position and should be providing me with an apology for the way he spoke to and treated me. He should be enrolled in an extensive training program. 

I demand that the credit inquiries be removed from mine and my co-applicants credit reports due to negligence and misrepresentation and that Ms. XXXX and Mr. XXXX face consequences for their actions to protect consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/2021, I received an alert from the credit reporting agencies that Afni added a new account on my credit reports without ever sending me a dunning letter. Plus, I do not owe Afni nor am I responsible for this alleged debt with XXXX. I need them to not contact me, close this account, and delete this account from my credit report. 

Account : XXXX Amount : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was Credit acceptance corp for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX county civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAPIO PARTNERS would verify the debt. So I took it upon myself to ask CAPIO PARTNERS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXXand I do not have a contract with NWIDE RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$2300.00} I demand this account to be deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The following information is being reported and it is all incorrect! 
CREDITOR : CREDIT ACCEPTANCE CORP ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$15000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$1600.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX. XXXX, XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$130.00} BUREAUS TO DISPUTE : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NOVAD Management Consulting, LLC
State: DE

Complaint narrative:
I received a letter advising that a mortgage was reassigned from Novad Management Consulting, LLC. to XXXX XXXX. However, while my address is referenced in the letter, I have no mortgage with Novad or XXXX. I attempted to contact Novad at all of the numbers listed in the letter and on their website but could not get any answer after several hours of sitting on hold. I also attempted to contact XXXX, but their number directs people to contact HUD directly and hangs up. I emailed Novad at the email address on their website but have not received a response. 

I confirmed with my county 's Recorder of Deeds that I have not entered into a loan with Novad or XXXX, nor have any of my existing loans been assigned to either of them. 

This is a fraudulent claim to hold a mortgage against my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As the debtor I am asserting my rights to per my contract with Wells Fargo. I am asserting my right to rescind the transaction. Pursuant

to 15 USC 1635. Pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Wells Fargo used deceptive and misleading paperwork to conduct a consumer credit sale transaction. Pursuant to 15 USC 1692 J. The vehicle was paid by the promissory note that is the negotiable instrument. This is in fact unfair practices and a violation of my rights. Pursuant to 15 USC 1692 F. This is violation of federal law. Wells Fargo blatantly violated my rights as a consumer by advertising down payments and installments. Pursuant to 15 usc 1662. Wells Fargo coerced me into making monthly payments.Violations of my consumer rights is violation of Regulation B as well as the Equal Credit Opportunity Act. 

Wells Fargo gave my private information to another organization which is unfair. My rights to privacy have been infringed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I received a call from a debt collection agency " Midland '' informing me that I was being sued for a debt of {$4000.00} by XXXX XXXX for furniture that I did not purchase. The case # is XXXX. I have never ordered anything from XXXX XXXX. This is a case of Identity Theft how do I proceed in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/ the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX XXXX for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX emailed that they would send me a check so that I could pay off the car to the lender ( Exeter finance ). Some weeks went by and when I contacted XXXX XXXX they said that they paid XXXX to Exeter finance in XX/XX/ instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/ I contacted Gap ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender Exeter finance. They confirmed that they had received the XXXX check in XX/XX/ and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However Exeter finance put a charge off on my account at the end of XX/XX/. They were given XXXX in XXXX. When I spoke to a manager at Exeter finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/ and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have reached out to Ally Financial on a number of occasions. They have not applied the 2 missing payments of {$400.00} to my account : XXXX. I have sent the facts from my bank report and the representatives/managers in the asset recovery department are disconnecting my calls without resolving the issue. The dates for the missing payments are XX/XX/XXXX and XX/XX/XXXX. The outstanding balance is incorrect and they are reporting inaccurate information to the major credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Deposited title company check from real estate sale on XX/XX/21. Hold was placed on funds availability until XX/XX/21. Unreasonably long delay when funds settle in 3 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Improper use of credit. There is a unauthorized inquiry that I did not consent.

Inquiry needs to be removed immediately.

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