vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a checking account on XXXX XXXX, 2022 with Citi Bank. I had a previous account with them and they transferred the funds from the old account to this new one ( account number XXXX ). I withdrew funds from the account by debit card on XXXX, XXXX, XXXX and XXXX with no problem. Today ( XXXX ) I went to the ATM and found out the account has been de-activated. I called them today and they say they are investigating fraud and the funds will be given to me after 30 to 60 days. They have locked any debits or credits to the account. When I called them today, they hung up on me. 
I need my money and don't think they should be able to hold my money. If they want to close the account, they should close it and give me the money in it immediately. 
I need your help to get my money. 
Please help me. This account has had no suspicious activity. The previous account I had with them did have some questionable foreign activity and they use that as reason for locking this new account. 
Please, please help me get my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX New Citi account number XXXX Citi routing number XXXX my telephone number XXXX XXXX my email account : 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 2022-01-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of 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 2022-01-26 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: NC

Complaint narrative:
This account does not belong to me. This account is fraud. Please delete it 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Company : Midland Credit Management Date contacted : XX/XX/22 Representative I spoke with : XXXX XXXX ( XXXX ) XXXX My checks at work started to be garnished without notice on XX/XX/22 and I looked on my credit report to find the debt. I assumed it was MCM and contacted them. I explained my situation that my checks were being garnished at work and I was not able to pay my bills nor live off of the wages they were leaving me with as I have XXXX kids under XXXX y/o. The representative falsified information in order to receive my bi-weekly payments. XXXX XXXX stated that if I set up a payment plan the garnishment would stop. The garnishment was not through MCM and she lied to me to receive my payments. 

I am now paying via XXXX from my bank account that I can not afford. On 3 accounts = {$200.00} every other week. And my checks are still being garnished!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-26 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: PA

Complaint narrative:
On my existing Equifax credit report there's currently an account-XXXX XXXX XXXX XXXX XXXX that is approaching the 7 year negative retention threshold. I have contacted Equifax on two different occasions and received contradictive information. The account 's date of first delinquency is XX/XX/2015 that said I would like to request early exclusion from this being negatively reported on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Ive sent several letters to Caine Weiner regarding a fraudulent item they are reporting on my XXXX XXXX consumer report with no response from them. Caine Weiner # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NC

Complaint narrative:
This account does not belong to me. This account is fraud. Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I mailed my Capitol one check, for XXXX dollars to XXXX XXXX services for payment on my XXXX XXXX, someone, somehow got my check and endorsed the back of check XXXX, and deposited in there personal account,, I became aware of this fraud on XXXX,, I immediately went to my bank ( Capitol one ) on XXXX XXXX, XXXX, New York, I was advised by the teller to call Capitol one and report this. 
On XXXX I called Capitol one and spoke to XXXX who told me a folder will be opened and someone from Capitol one fraud dept will contact me. 
Having not heard from bank by XXXX, I called Capitol one again and spoke to XXXX, who transferred me to XXXX from security, who told me its still a ongoing investigation. 
On XXXX I again called Capitol one and spoke to XXXX who told me she will put a note in my file and a representative from Capitol one will contact me. 
On XXXX I contacted Capitol one again and spoke to XXXX, who stated that Capitol one has requested, from other bank, that the said funds, XXXX, be returned As of today XXXX, I have not received any of my money back, I have never been contacted by anyone from Capitol one, not a text, not a email, not a phone call,, and Capitol one does have all my information .as stated before, as soon as I found out about this crime, I notified my bank and followed exactly what they told me to do, I would appreciate any help you might render in assisting me with getting what is rightfully mine, since Capitol one have been useless this far!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MN

Complaint narrative:
On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of 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 2022-01-26 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: MN

Complaint narrative:
On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dividend Finance Inc.
State: CO

Complaint narrative:
The company is Dividend Finance. I sold my home which included a purchased solar system. Despite Dividend Finance being asked ( by me, the title company, and both seller 's and buyer 's Realtors ) for weeks to provide data to the title company for closing, they didn't respond until the day prior to closing. They demanded {$800.00} as a " transfer fee '' for the home buyer to assume the loan, despite this fee not being identified in the original purchase contract. To complete the sale of my home, I was forced to pay them the {$800.00}, despite numerous calls and emails to Dividend. 

Following closing, they are still refusing to complete the loan transfer. They now state they must be paid an additional {$6300.00} up front to complete the loan transfer. They will not provide info as to what this is for, a principal payment ultimately lowering the monthly payment, or something else. The home sale closed XX/XX/22, and today is XX/XX/22. The solar loan is still in limbo, and Dividend has now processed a withdrawl from my account for the monthly payment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
In XXXX of XXXX I sent EXPERIAN an identity theft report to block/remove all accounts furnished that were part of the XXXX XX/XX/XXXX data XXXX. EXPERIAN continues to verify accounts on my consumer report without giving the method of verification or providing an investigative consumer report as required by federal law. I understand that credit agencies like EXPERIAN, use an E-Oscar machine to process dispute letters, which is inefficient in verifying information contained in consumer reports the correct way. I have requested through dispute letter that EXPERIAN provide the method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), it has been received as of XX/XX/XXXX. I understand that EXPERIAN must provide me the method of verification within 15 days of my request or the information must be deleted. 

EXPERIAN is also in violation of 15 USC 1681b ( a ) ( 2 ), i the consumer did not give written authorization for EXPERIAN to furnish anything on my credit report. I demand EXPERIAN produce the certified documents showing I gave authorization for this negative information to be furnished on my consumer report. Also, EXPERIAN is in violation of XXXX USC 1681a ( 2 ) ( B ) by furnishing approvals of specific extentions of credit on my consumer report. These are direct violations of federal law. 

I spoke with an authorized agent for EXPERIAN whom told me that EXPERIAN is not in violation of any federal laws and they are required to place transactions on my consumer report whenever a creditor sends them in and there is no authorization needed from the consumer. The authorized agent for EXPERIAN whom i spoke with and is over my consumer report is XXXX XXXX, his direct line is 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 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX of last year I transferred XXXX to Wells Fargo from XXXX  XXXX XXXX. On XX/XX/XXXX XXXX  XXXX XXXX closed my account and Wells Fargo did the same and returned the XXXX to XXXX XXXXXXXX XXXX XXXXk XXXX XXXX claims that they have never received the money and that Wells Fargo never sent the money to them, which is false by the documentation that I Have. I need Wells Fargo to verify that the money was indeed returned to XXXX 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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was trying to lease an apartment from a place called XXXX I had the lease to sign and had put down a {$150.00} deposit. XXXX canceled the lease due to the resident not moving. Per the lease the {$150.00} deposit was refundable I requested it back via the payment method my card. They stated they could not refund via card and they would mail me a check. As I needed the money ASAP for a new apartment deposit I request it be over night mailed. XXXX stated the check would take XXXX weeks. The lease was canceled on XX/XX/XXXX they did not send out a check so on XX/XX/XXXX I disputed the transaction with my bank for the deposit charges. The bank took over the issues and resolved it in my favor returning the money. I never heard back from XXXX or got a check sent to me from them. I got a account in collections on my XXXX report from a XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX I disputed that with XXXX they came back with no resolution. I called and explained the situation and they stated CFPB would be the next step to get the derogatory mark off my credit. I have not owed XXXX nor do I owe them anything as it was a deposit for a unit I never signed a lease for or moved into. They owed me money and did not return it so I got my bank to get it squared away. I want the mark taken off my credit and for them to show that I am in good standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
My mortgage requires online payments without assessing a fee. I can not set up autopayments or adjust the payment date online resulting in me missing payments due to lack of attention. I have been trying to set up autopay since XXXX of XXXX but can not. Ive been told that I'm using the wrong browser, the name is wrong on the account, plus other more mystifying scenarios. I was told on XXXX that I can not access the account, even though I am one of the account holders, because their online system will only allow two names on the account and our family trust is the primary and my husband is the secondary. I feel it's illegal to deny me access to my account as I am liable for the debt. I can not access my account any other way as paperless was part of the contract. 

The bank did say that my husband and I can change who is secondary but that leaves my husband unable to manage the account if I die or become incapacitated in any way. Besides the fact that we have to absorb the notary cost.

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 2022-01-26 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: FL

Complaint narrative:
My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America closed my credit card without giving me prior notification. Even after the account was closed, I still received no letter or correspondence in the mail notifying me that the account is now closed. I had to find out from XXXX that the account was closed. I made a payment of {$300.00} in XX/XX/XXXX and apparently when I made this payment, the account was already closed. I'm not sure how this was possible when I went onto the Bank of America App and made the {$300.00} payment. I called and spoke to customer service today and was told " Bank of America does not have to notify you that your account is at risk of closing. Also, when I called the rep asked me to make a payment on the account which I found odd because if the bank never told me the account closed and that I could still make payments on it, how do they expect the customer to know? In addition to that, they claimed the account closed in XX/XX/XXXX, it is now XX/XX/XXXX and I've never received a letter, phone call or email from Bank of America or a collection agency requesting payment on this closed account. Bank of America is engaging in unfair and deceptive business practices. If the account is in collections why haven't I been notified or contacted?

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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.

Company response to consumer: Closed with explanation