vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America refuses to return my money even after I showed them that the check that was use on an ATM to withdrawn cash in another state has handwriting and signature that does not match 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 monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I recently performed a review of my credit report. Following my review, I learned that your company/agency shows some unauthorized accounts that I find to be harmful to my credit and reputation. Hence, I am requesting investigation, removal, suppression, block and dispute of the below mentioned account accounts. I also request that WESTLAKE FINANCIAL SERVI, XXXX, XXXX  and XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

The following item is the results of me being a victim of identity theft. This information does not relate to transactions that I have made or accounts that I have opened. Thus, it should be blocked and removed from appearing on my credit report pursuant to Section 605B of the Fair Credit Reporting Act. Please be advised that I have completed an identity theft report.

The fraudulent and/or erroneous account in collections is listed below : 1 ) WESTLAKE FINANCIAL SVC, Date opened : XX/XX/2019 Amount : {$11000.00} TO REPEAT, I did not open any of this. I have NEVER done any business with any of the above mentioned company, nor did I authorize any of these accounts. Also, I was not aware that the account existed until recently. 

Credit reporting is VOLUNTARY not mandatory. I never agreed forWESTLAKE FINANCIAL SERVI, XXXX, XXXX  nor XXXX  or any other agency to report anything or furnish any info. 

Pursuant to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The company keeps calling me because my account is past due. I have already started a settlement process with a third-party company.

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 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a mortgage with Wells Fargo. In XX/XX/2020 Wells Fargo sent an offer to defer payments to the end of my loan if we were affected by COVID-19. My wife had just lost her job and we were having trouble making our mortgage payments so we figured 'why not ' while my wife looked for another job. We continued in the program for 11 months and we were able to make 1 payment while in the program. Our original principle balance of the loan was {$370000.00}. We had payed out mortgage down to {$350000.00} before COVID-19 struck. We differed 11 payments which they said equaled {$23000.00}. I spoke to a Wells Fargo " mortgage expert '' about my options and was really confused about what I heard. I was told that they would mail out some info on a couple of different options on repaying the missed mortgage payments. I never received the information. Instead I saw that Wells Fargo modified my mortgage by adding the {$23000.00} in " differed payments '' to my principal balance. So I now owe {$380000.00} after adding the differed amount to my original balance. So I now owe {$10000.00} more then my original amount financed! I did read up on the Forbearance Program offered by XXXX XXXXe and if what I read was correct, then Wells Fargo was making my payments for me while I was thinking I was differing them to the end of my loan, but they were not deducting the payments from my principle balance. This means I will be paying the payments back twice ... .once to pay them back for the Forbearance Program and again in my original principle balance of my original loan. I do not call this helping people in need ... .this is taking advantage of them. Please look into this and let me know? 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is currently a fraud alert on my credit file which I did not authorize. I disputed inquiries and then a fraud alert was placed on my credit file without removing the inquiries I disputed.

I would like the fraud alert removed as I was told would happen two weeks ago along with inquiries I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
There are 9 accts on my credit report that I have been disputing since XX/XX/2021 and the bureaus and the furnishers are not helping me out this is a identity theft case and I will not settle until all these are off my credit report asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-06-01 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:
There are 9 accts on my credit report that I have been disputing since XX/XX/2021 and the bureaus and the furnishers are not helping me out this is a identity theft case and I will not settle until all these are off my credit report asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this information

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 2021-06-01 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: AL

Complaint narrative:
I have disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this information

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 2021-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My husband and I received a business deposit to our Marcus CD account ( XXXX ). We were not aware that business related deposits were not allowed, and promptly transferred the funds into our Marcus savings account ( XXXX ) and then called Marcus to initiate a transfer transfer for the funds to a business account that Marcus had linked ( Marcus linked and unlinked the business checking account with me on the phone, and called to verify I gave them the " ok '' to send funds there ). Marcus did not transfer the funds and told me my savings account would be closed ( with {$410000.00} in it XXXX as business related transactions are not allowed, which I completely understand. 

Instead of returning the assets to me via check as stated in the account agreement, Marcus said that the original funding institutions needed to request the funds back. They instructed one external institution who had funded the CD account to request the funds back from our savings account, which that institution had even send funds to before. The external institution tried to request the funds back ( from both the CD and Savings ) and were not successful and received an " account frozen '' and " account closed '' code.

Marcus isn't able to send the funds back to the originating institution themselves as it's beyond the time period where they could reject an incoming deposit. They are aware that it's also beyond the time period where the originating institution could request the funds back, and that they won't be able to do so from either account ( especially the savings account, which they never funded in the first place ). 

Marcus by Goldman Sachs is part of a wave of online banks force-closing accounts and not returning assets to boost their balance sheets, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/2021. {$7600.00}. I have requested Honda Financial service to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact Honda financial service, then Honda financial service telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
ex husband stole my identity and i was not made aware of all the accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I was called on XX/XX/21 from the phone number : XXXX which was ID 'd on my phone as " XXXX XXXX ''. The caller identified themselves as working for Audit & Adjustment Co Inc and she was calling from XXXX XXXX which she was not ) and identified a $ 600+ debt from a company that I'd never heard of. I indicated to her that she'd have to provide me written verification of this debt, at which point she started asking for my phone number and address - I assume that if the person called me and knew my name that they would already have this information. Since the identity of the caller could not be verified, and I'd never heard of the company in question I immediately believe this to be a scam for people to pay the debt over the phone using a credit card or other such form of payment.

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX and this is in regards to a debt not owed which was already discharged on a bankruptcy. The financial institution is " Discover Bank '' which filed a judgement against me in the amount of {$2700.00}. This judgment was filed on XX/XX/XXXX Case No XX/XX/XXXX in the official records of XX/XX/XXXXCounty Minnesota.

Bank : Discover Bank Amount of {$2700.00} Date Filed : XX/XX/XXXX Bankruptcy Case No : XXXX XXXX XXXX, Minnesota. 

I reached out to Discover Bank several times this year. First, in XX/XX/XXXX and XX/XX/XXXX and they refused to help or even provide more information on the judgment. They explain their records can only go back 7 years and thus the only option I have is to pay the debt. However this debt, and every other Debt that my ex-wife and I had were all discharged on the bankruptcy that we filed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TX

Complaint narrative:
My credit report is not updated regularly. I called and asked why my report is not updated regularly and I was told I need to dispute every account to change the balances. I explained the balances are correct with the other credit reporting agencies and pointed out the balance need to be updated. The representative XXXX XXXX XXXX Code XXXX XXXX stated I must dispute the entire report item by item. When we began the disputes, Equifax has more current balances than are reflected in my credit report. I again stated this means my credit reports are not current. The man put me on hold till XXXX, pretended he was helping but sent me to an exit survey of his performance. My accounts are not updated and disputes are not investigated with this company and they continue to damage my credit score.My credit report has not been updated for atleast two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity thief, my information was leaked on equifax breach and the dark web, since then i have multiple inquiries for auto loans ( over 20 ) and two strange debts that i have no connection too 1 XXXX XXXX  2 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was selling computer on XXXX marketplace and I was notified by potential buyer asking about the item. Asked if I had XXXX and said yes But Ive never used it before. He walked me through it and told me that hes going to send {$2000.00} and to send back XXXX. Due to security of XXXX and not enrolled in business merchant. I did not think it was fishy at the time. So I sent XXXX. And I got an email from now that I needed to send another XXXX. Thats when I realized I was being scammed. I have all his info and the emails supposedly sent by 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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief