vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CT

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-09-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XX/XX/XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX.XXXX. ( PST ) I received an email from XXXX titled " Congrats! XXXX is activated ''. This email was quickly followed by 3 additional emails from the same address all within the hours of XXXX XXXX XXXX the same day informing me of additional new Chime account activity, including a new XXXX XXXX application and a new Chime VISA debit card account. Upon rising in the morning on XXXX XXXX and checking my email, I quickly looked up Chime in a XXXX search for " Chime customer support '' - ( I did not click on any links contained in any of the emails received ). Chime 's customer support email is XXXX. The ONLY way to contact Chime is via this email address - their telephone support number ( XXXX ) XXXX is wholly automated and although I attempted to reach a fraud agent by calling the Chime phone support number, I was unsuccessful. I later learned it is not possible to speak to a Chime fraud representative until they contact YOU. 

So, I quickly composed and sent a series of emails notifying Chime of the fraudulent account opened with my information, asking them to close the illegal account immediately and to contact me ASAP. The first of these emails was sent at XXXX XXXX PST on XX/XX/XXXX. 

Today, XXXX XXXX at XXXX XXXX.XXXX. ( PST ) I received another email from XXXX notifying me that " Your Chime VISA Debit Card '' was on it's way in the mail, and I could start to use my new credit account ASAP via the Chime App. I immediately sent a second and third email requesting immediate action to close the fraudulent VISA account to XXXX. 

I have not heard from Chime, either via email or phone ( I included my cell number with my email correspondence ). As a consequence, I have had to take the precautionary steps to close all of my bank accounts and transfer balances to new accounts, which has taken much time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Been a victim of identity theft since 2015. I have been trying to clean up credit and there is one item that will not go away from NATIONAL CREDIT SYSTEM. Tried to contact the company multiple times but they said they do not have a file on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
My compliant is with Southwest credit. I sent a letter on XX/XX/2021. Stating that I owe {$430.00} too XXXX. When I received the letter I called a few days letter. Letting the company know that I paid this to XXXX over a year with another company. They said I can dispute the charge by mailing a letter to the company and they will open a claim. Fast forward today 's date XX/XX/2021. I find out Southeast credit has reported my a collection account to the credit bureau. My credit not has dropped 34 to 54 points in a matter of a day. The company told me that they had the collection with them since XXXX of 2021 and only reached out to me on XX/XX/2021. They did not send me the proper notice prior to reporting the account to the credit bureau. It says in there letter that I have 30 days to respond and they did not give me the 30days. I had also ask how they received my ss number and they did not have an answer for me.

The company has also violated the Consumer Fair credit act by asking me to verify myself with personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21 I deposited a check issued by XXXX on behalf of XXXX for a settlement i received. The check was for XXXX. The following morning the full amount was available and reflected in my balance. I decided I go look at some used cars as the settlement was from a car accident where I was rear ended. I contacted wells fargo around XXXX and asked to have my daily purchase limit changed to XXXX so I could purchase a vehicle. The rep said that was fine and said I could go as high as the available balance which was around XXXX, I told her the XXXX would be enough and went about my day. About 30 min after the call I logged back onto my acct and noticed the check was no longer reflected in my balance and was now on hold. I called Wells Fargo and was told that the issuer of the check had flagged it for some reason. I was told to contact the issuing bank. The following mon XX/XX/21 I reached out to XXXX who reached out to their bank ( XXXX ). The following Tuesday XX/XX/21 i received a high alert email from Wells Fargo saying the check was being held for " confirmed fraud '' I immediately called Wells Fargo and was told that the issuing bank ( XXXX ) had returned the check for fraud and that it would be held until the XXXX because there would be another attempt to process it on the XXXX at which time if it is still flagged it would be returned. The next morning XX/XX/21 i received an email from XXXX  that included correspondence with XXXX. XXXX stated the check was never flagged, it was never returned and that it was processed and the funds had been released to Wells Fargo as of that Mon XX/XX/21. XXXX included the ledger showing the funds had been released and that Wells Fargo had the money since XX/XX/21. I contacted Wells Fargo again and asked to speak to a higher up. The rep I spoke with confirmed that Wells Fargo had the funds and he did not understand how the check could have been flagged for fraud when the funds were already released. He also said he did not understand why I was being told to contact the bank that issued the check when they released the funds immediately and had placed no holds or disputes. Here we are a week later, my funds are still being held, I've missed out on 3 really good deals for cars and I'm beyond mad. I have copies of the correspondence from XXXX XXXX including the ledger showing that the funds were released immediately and there had never been a hold or flag for fraud. Let me know if I can provide you with any information to help you help me.

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 2021-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I received correspondence from National Credit Adjusters that I owed over {$1000.00} for a loan by phone taken out in XXXX. I disputed the account and they came back saying I owe them the money. After receiving countless communications from the company I recently agreed to a settlement amount of {$560.00} to be drafted out of my account the same day on XX/XX/XXXX with a promise to cease all collection efforts and report the account as paid in full. However, today I received a letter requesting the remainder of the balance and the account is still showing that I owe half the amount on my credit reports. I would like to report the company first for fraud, I never received or got a loan by phone ever, and either they can repay the money they agreed to accept in settlement or remove this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX Status : The file is in forbearance ending soon Initial forbearance Started in XX/XX/XXXX Ends on XX/XX/XXXX How many more months are available? 
It is a private investor so the client has to call in to make the request for extension on forbearance. 
Under Review : No XX/XX/XXXX, XXXX XXXX Status : The file is in foreclosure Sale Date : N/A The forbearance expired on XXXX XXXX. The file is referred to attorney XX/XX/XXXX Under Review : No, nine applications got denied and the most recent one in XXXX, XXXX. The only option is to re-in-state, short sale or deed -in lieu. 
What docs need to be moved forward with Loan modification?

They can still re-apply but are not sure about the result.

Due months : 31 Current principal amount : {$240000.00}. 
This is the timeline of the events that have led up to me losing my mothers home during the last 18 months she passed away and i has been a real struggle to get the loan into my name I have submitted all of the paperwork that was requested and still being denied assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I disputed this account several times with no follow up from Wells Fargo with verification. I sent Wells Fargo a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said Wells Fargo verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because Wells Fargovised not to remove. If this is not resolved I will file a FTC complaint next.

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 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Creditor : Nationwide Recovery Service Original Creditor : XXXX XXXX XXXX Debts : {$250.00} {$180.00} {$150.00} Nationwide Recovery Service contacted me via telephone on XX/XX/2021 to inform me of an outstanding bill from XXXX XXXX XXXX in the amount of {$150.00}. I requested that the send me information in writing so that I could verify the debt. The company emailed me a correspondence on XX/XX/2021 with how I could access information and get the debt verified ( see attachment ). The email said that I had 30 days to request that the debt be verified. 
On XX/XX/2021, I received an alert that Nationwide Recovery Service had reported three collections on my credit file with XXXX and XXXX. The representative never said I had three accounts and the correspondence they emailed me was for one account ; however, Nationwide Recovery Service reported three separate accounts to XXXX and XXXX. 

I was not given the lawful time to get this debt verified before they reported it on my credit file. The company did not stop collection activity until it provided the required verification nor did they allow me the opportunity to even request a verification prior to them reporting it. 

I reported to the company that they had a previous address incorrect and that the name on the account was also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: KY

Complaint narrative:
I contacted Amsher Collections Services on XX/XX/2021 and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with XXXX was a different amount of {$1400.00}. Why is Amsher reporting inaccurate information? Im skeptical that the company can not accrue interest or else the debt is not owed to this company at all. Then they attached a bill they sent to an address in Georgia. I live in Kentucky. Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. This company has been very aggressive and harmed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash reported {$1600.00} as collection on XX/XX/XXXX. Never took this out Tried to contact and no response several times in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS

Complaint narrative:
On XX/XX/2021, I received a letter from MBA LAW stating that I owe {$6700.00}. The letter says that no attorney has personally reviewed the alleged account, and that the debt was bought from the original creditor. I have no knowledge of the debt. The same account was added to my credit report 5 different times all three bureaus, dropping my score over 80 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with NationStar LLC. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the XXXX report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to NationStar at {$210000.00} & Seterus, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my XXXX Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following hard inquiries are on my credit report and I did not authorize or apply for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: PA

Complaint narrative:
need inquired removed from : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: LEXISNEXIS
State: MO

Complaint narrative:
I've emailed and called LexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and numerous other times. I have provided them with all my ID and other personal information numerous times through email and mail and nothing has changed. This is the company below. LexisNexis Risk Solutions Consumer  Center XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: PA

Complaint narrative:
need inquired removed from : MACYSXXXX Inquired on XX/XX/XXXX MACYS/XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2021-09-25 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I disputed this account several times with no follow up from XXXX XXXX with verification. I sent XXXX XXXX a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said XXXX XXXX verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because XXXX XXXXvised not to remove. If this is not resolved I will file a FTC complaint next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: TX

Complaint narrative:
I filed an FCC Identity Theft report and forwarded the documents to Equifax. By law, The entry must be removed/blocked within 4 days of the Bureau receiving the documents. Equifax received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Equifax refuses to comply by FCC and FCRA compliance laws and block the accounts.

Company response to consumer: Closed with explanation