vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Company is attempting to collect a debt I do not owe. XXXX XXXX breached my contract for insurance and did not provide coverage for my vehicle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OH

Complaint narrative:
The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}

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 2021-02-12 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: OH

Complaint narrative:
The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Courthouse stated that they did not report to Experian nor XXXX  that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my Experian and XXXX is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.

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 2021-02-12 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: NJ

Complaint narrative:
Im writing this due to the non compliance with Transunion, XXXX XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold 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 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Penny mac has taken two payments from us. They admitted it was their error. We are having trouble having the money put back in our account. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Collection was added to my report. I did not receive any letters regarding this. I am not sure about what the charges were for. Was not provided any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY 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 2021-02-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized charges were made on my BestBuy Visa ( handled by CitiBank ) on XX/XX/XXXX and XX/XX/XXXX. 

Police report was filed with Officer XXXX XXXX XXXX XXXX Police Department Case Number : XXXX BestBuy reversed those charges on XX/XX/XXXX and XX/XX/XXXX in full. I also received a replacement credit card. I assumed the matter was resolved. 

Then on my XX/XX/2021 statement, all of the fraudulent charges that had been reversed had been undone and placed back onto my account. 

I have left one written and four verbal messages for a callback from the CitiBank investigations department ( they do not respond via the online messaging center - only callback ). I have received no return phone calls, despite leaving one message with the rep on the line, assuring me that I was using the correct mailbox. 

On XX/XX/XXXX, I spoke to XXXX ( employee ID : XXXX ) who was also unable to reach the investigator, XXXX assigned to my case.

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 2021-02-12 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: CO

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CO

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On XX/XX/2021, at XXXX ( Pacific Standard Time ) The caller, MRS Associates XXXX using a robot or automated voice, asked for my Social Security Number. I responded by saying I do not give my SS Number over the phone and hung up. I have no debt. This is likely an attempt at fraud of some sort. Perhaps to trick me into thinking I owe some debt of a person with a name similar to mine. 
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act XXXX FDCPA XXXX, such as failing to provide written verification of debts and threatening to take actions that can not legally be taken. The foregoing according to Lemberg Law. I believe that " robot calls '' are illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: NJ

Complaint narrative:
i am victim of identity theft and these accounts that i listed is not mine. i listed the items in the attched fromed. i need these items removed asap. i am victim and someone use my info and name. this is is stopping me from moving forward with my life. please remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The inquiry on my credit report was hard inquiry the companies told me they were soft inquiries and wont show on my credit report, This is not the case at all. I asking for all inquiry be removed from my credit reports 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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Courthouse stated that they did not report to XXXX  nor Equifax that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my XXXX  and Equifax is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY 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 2021-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Completed mortgage loan application on XXXX XXXX. Closing was scheduled for XX/XX/XXXX. XX/XX/XXXX was asked for additional information regarding my HELOC. Loan did not close on XX/XX/XXXX. Went weeks without any communication regarding loan. The communication I have had can not answer basic questions regarding the status of my loan, only that it is not ready to close. Received closing date of XX/XX/XXXX. When processor was asked about this closing date, she told me the loan would not be closing on XX/XX/XXXX but could not provide an answer other than the loan will not close for at least 30 days after receiving a cleared to close. She could not tell me when I would get or to expect a cleared to close. I find it impossible to find any answers. The only communication is the communication originated by me. Emails go unanswered and when they are answered, the answers are abrasive and do not resolve anything or offer any resolution.

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was wrongly placed under a collection account that I have already paid off approximately XX/XX/2020 and was removed from my credit history. The original charge was under XXXX  XXXX retailer for a charge of approximately {$60.00}. A few weeks later I continued receiving collection emails for a charge I paid off then somehow grew to {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CO

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I requested and received a settlement from wells fargo on a personal loan, wells fargo now refuses to honor the agreement.

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 2021-02-12 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: NJ

Complaint narrative:
Im writing this due to the non compliance with XXXX, Equifax, XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Filed Previous complaint with CFPB. They stated for me to make the payment that would catch up the payment then to call back after payment was made to make an arrangement on the remaining amount so it would not affect my credit. I called back and the collection department says i have to pay all by the XXXX or they will report me late to the bureaus. They are not keeping what they agreed to. This is covid and I cant afford to make the rest of the balance due byXX/XX/XXXX. Had I could of forseen covid happening I would have never took the extensions in the past. I am doing my best and willing to pay the additional off in the next 45 days but if A late shows up this could even cause issue with my job and cause me to lose it. I am asking for them to work with me on the lates fees and whatever else is left,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Purchased a Hot Tub from XXXX XXXX through Wells Fargo XXXX XXXX. 
Actual Hot Tub cost was {$12000.00} Credit Limit reported was {$14000.00} Credit Limit should reflect {$12000.00} as a total cost of the loan amount financed The Credit Limit increase my debt to income ratio by {$1900.00} The original loan amount was Inflated by {$1900.00}.

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: KY

Complaint narrative:
I terminated my service early 2020 and sent my equipment back in XX/XX/2020. They turned my account over to collections to Enhanced Recovery. Enhanced Recovery is reporting my balance with the equipment charge but I have spoke to XXXX XXXX XXXX 3 times and they have confirmed that they have received the equipment and will take the fees off. I have verified my debt and disputed it with ERC and they say its accurate. I just wont the fees removed so I can get this behind me but XXXX XXXX XXXX Kees telling me they will fix it and enhanced recovery keeps telling me its accurate and I keep going in a circle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NY

Complaint narrative:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$90.00} BANKRUPTCY : DISCHARGED CH-XXXX  XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: LA

Complaint narrative:
PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX  balance.

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 2021-02-12 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: LA

Complaint narrative:
PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX balance.

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 2021-02-12 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: VA

Complaint narrative:
Request to remove inaccurate/unrecognized collections accounts : XXXX XXXX XXXX ... .. {$1500.00} XXXX XXXX XXXX ... ... {$240.00} XXXX XXXX XXXX .... {$2700.00} I have disputed these invalid accounts but they have not been removed.

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