vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I requested an account payoff letter from Wilshire Consumer Credit to reflect what the payment amount would be to settle my account, the amount given in the letter was XXXX ( per diem interest XXXX a day ). XX/XX/XXXX an amount of XXXX was paid to Wilshire Consumer credit from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX due to total loss following a car accident. I received a payment history letter, XX/XX/XXXX confirming that my account was paid off. Wilshire Consumer Credit however has on my report that my car was a redeemed repossession and {$7500.00} is past due as of XX/XX/XXXX on my credit report. I have proof of all letters to show this to be a false report on my credit report and Wilshire is unwilling to accept responsibility of the letter they themselves forwarded to me, and is unwilling to acknowledge that my account was satisfied. May I also note that Wilshire is trying to settle this account for an additional {$1500.00}. This is my second title loan so I know how the process works to know better than that and Im disappointed to see business is being handled this way, and to think we as citizens are penalized for fraud!

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 2021-06-17 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 faxed over an identity theft affidavit, with unauthorized inquires that were on my credit report. i have not heard back from equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and listed XXXX XXXX XXXX. XX/XX/XXXX is the last month I paid my bill, during this time XXXX XXXX XX/XX/XXXX sold my debt to a third party so XXXX XXXX XX/XX/XXXX no longer owned the debt. A creditors claim was submitted and the trustee paid my accounts in full because my plan was a 100 % plan. I contacted XXXX to fix the two accounts on my credit report for XXXX XXXX XXXX as they were still listed and owed on my credit report. My credit report was showing they were delinquent and potentially negative. I let them no that XXXX and Experian did not have these accounts listed on their reports. On my previous XX/XX/XXXX Experian Report ( XXXX ) these accounts were to be removed from my account in XX/XX/XXXX. After XXXX did an investigation the new report still shows the accounts delinquent and potentially negative, starting from XX/XX/XXXX, with a balance updated on XX/XX/XXXX and that these accounts will not be removed until XXXX. Experian has used the payment from the trustee, which they can not do and used it against me to the move the aging and removal date. Once the bankruptcy is filed everything is frozen.

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 2021-06-17 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX, this is regarding my recently approved XXXX XXXX Business Card with Barclays Bank. My application was approved on XX/XX/XXXX. After ( 2 ) full weeks no receiving my card, I contacted the company on Friday XX/XX/XXXX and wasted over a hour on calls and being transferred to incorrect departments. 

Saturday XX/XX/XXXX I tried calling again to the business card department and learned that someone stole my card, and fraudulently shopped at multiple locations in New Jersey since XX/XX/XXXX spending $ XXXX+ dollars with this card. The customer service rep could not answer me how could the authorization process was completed to allow this person spending such amounts on this card without my personal credentials. Then I was transferred to the fraud team where I spent another hour confirming that all these charges were fraudulent. I was promised that all charges will be disputed, nothing to be worried. The agent also promised me to overnight the card to me via XXXX to ensure proper delivery. 

Monday XX/XX/XXXX Since I did not received the card, I tried calling again in the evening and learned that there's an address issue with my card, and can only be resolved by a supervisor team member. It was too late ( XXXX or XXXX ) when I called so I should give them a call back on Tuesday Tuesday XX/XX/XXXX I contacted the team again, wasted another hour and finally got a supervisor team member to clear this and confirmed that they card will be delivered by XX/XX/XXXX Wednesday XX/XX/XXXX The card did arrive via XXXX. After dinner, I called the number to activate my 'replacement ' card. Then I log onto my desktop to register via the bank. As soon as I log in, I see my current balance exceeding my credit limit ( see attachment ). After carefully study the transaction record, I learned that the bank also missed disputing ( 1 ) of the fraudulent charges. So I had to call the bank again - wasted another hour or so, spent 80 % of times being put on hold and was told the agent was still 'waiting to hear back from the security team ' - issues remained

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 2021-06-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I requested my mortgage statements that have Ocwen and Homeq were hiding from us. Phh mortgage now owns them and has to be accountable for all of their theft. When I received the statements via certified mail I almost passed out. So much money has been stolen from us that it is beyond unreal. There are fake insurance companies, fake account numbers on our credit report, fake nsf charges for returned checks ( i do not even have a check book ), fake late payments, fake escrow charges and etc. You can see where they copy and pasted payments and then deleted them. They made a HUGE mistake when XXXX payments show in XXXX. 65 percent of the statements have been altered or forged. My XXXX XXXX payments are missing and none of the escrow accounts are correct. Then they were illegally charging me XXXX dollars from our account to pay them. Its illegal. I have asked for a payoff STATEMENT 6 times and they keep sending payoff quote. I want the statement not the quote. They refuse to give it to me because of the theft. Then they went under the website and put in parentheses not actual payoff under all my statements. They just did this on Friday of last week. They know XXXX XXXX is about to hit the fan. It is unbelievable. They whited out so many numbers and then replaced them with numbers to cover the stealing. There are so many people they have defrauded but none of them is XXXX as me. 

They took almost XXXX out of our account several times and have it under long-form as an explanation. There are nsf charges for XXXX and late fees when we paid on the first through bill pay. 

We are devastated and so upset they did this. I want them prosecuted and I want to sue them. I want the deed to the home asap and I am XXXX off. They refuse to respond and I am sick of it. I meet with an attorney Friday to start the lawsuit. I have all the proof you need!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
DSNB BLOOM - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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
Consumer complaint received 2021-06-17 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: CO

Complaint narrative:
I have an accounts with a bank that has a late payment showing from XX/XX/2020. The situation was that i had lost my job due to the start of covid, I had made arrangements with them so that i wouldn't have any late payments on my report and they worked with me on the payments. payments were taken out automatically even at a reduced amount. The next six months there were no late payments but i notice that with both accounts they have a late payment showing on each account from XXXX. I have tried disputing it with them as well as the bureaus. They listen to me when i call and make notes but nothing changes. It is keeping me from getting a home loan and this was part of the covid relief program that i was a part of and should be removed. There is only 1 late payment with each ;. It's obvious that i was part of the covid program. Please help me to get these removed as they are not my mistake and i worked it out with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
We, wife and I, have been hacked of our personal information 6 times now. This has been going on for over a year. We have had money stolen from our accounts. At first PNC was good at getting things taken care of but now theyre accusatory like we are lieing or something. We are out thousands of dollars - denying one claim without even having the time to look into it and another that has been ongoing for over 6 weeks now with nothing being done. No credits nothing. Thats violation on Reg E. We have installed XXXX XXXX to hopefully ensure this doesnt happen again. We have contacted the police but they said they cant do anything because anyone can buy anyones information on the dark web.PNC has already charged back money from the one dispute but we havent seen any credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: GA

Complaint narrative:
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX This is my complaint id. I was told the inquiries would be removed from my credit report in 30 days and a follow up contact would be made with me. The inquiries are still there. I understand one would remain. I still see 6. This is unacceptable. I should not have to continue to spend time disputing this due to the negligence of your former employee XXXX XXXX with Prosperity Mortgage. Please have XXXX remove the inquiries aside from the one that should in fact be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime Bank has denied my and several hundred other customers their disputes. All while having proof of the fraud Chime just denies disputes and steals the money. They lie all the time. Their customer service just reads from pre scripted pages. No help what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft as I have previously notified Experian before

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 2021-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel Financial Corporation has contacted my employer to collect on a debt that is eight years old. The statute of limitations has ran out from when it originated with the original creditor. According to the state of California, the statute of limitations is four years. This company has contacted my employer that is laying me off XX/XX/2021. The garnishment of 25 % is to take place on XX/XX/2021. This debt is not on any of the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TFC Credit Corporation of California
State: NY

Complaint narrative:
TFC Credit Corporation, has contacted me concerning a debt of {$2700.00} in which I don't owe. # XXXX is supposed to be my account number, I was told the said contract began on XX/XX/2021. I did not sign any contract nor was I active in any school at that time. I have called TFC and requested a copy of contract, they stated it was sent to me. However, I haven't received any as of yet. 
On XX/XX/2021, the above claim of debt was placed on my credit report, lowering my credit score. I am also experiencing repeated collection calls for this debt in which again, I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: KY

Complaint narrative:
After reviewing my credit report I have seen an accounts that I never applied nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by Transunion and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.

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 2021-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
( 2 ) XXXX XXXX XXXX  Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not

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 2021-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not

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