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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
I reached out to this company at XXXX XXXX XXXX and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of XXXX XXXX XXXX XXXX named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with XXXX XXXX and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, XXXX XXXX XXXX has committed multiple violations under the Fair Credit Reporting Act.

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: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
AMEX, XXXX XXXX, XXXX XXXX XXXX, all sent demand letters for charges I did not make. After my inquiry, each did send me statements identifying charges I never made or had any knowledge about these fraudulent charges. 

XXXX XXXX XXXX  XXXX did NOT notify me of all charges. They did give me any information on my account, but directed me to contact a debt collector XXXX attorney ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: MI

Complaint narrative:
I had a prepaid money order from XXXX  didnt need it to pay a bill so I wanted to cash it in my name, the company that they use Certigy declined it. So I ask to have my file sent to me, once I received it, the information that declined my money order is totally wrong, never had a check, and never went to XXXX to cash a check as they refer to why they declined the money order, they are wrong in the reason and I would like to why and how they got the wrong info

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 — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer PennyMac Loan Services LLC on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MI

Complaint narrative:
Americollect INC. is in fact in violation of 15 usc 1692b ( 2 ), 45 cfr 160, 15 usc 1692d ( 1 ), 15 usc 1681.

A notice of alleged debts in the amount of {$580.00} was mailed to me on XXXX XXXX in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due course for any and all derivatives thereof. 

These alleged debts were placed on my consumer reports on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Ive sent out an Affidavit of Truth, Invoice, Debt validation letter, cease and desist and exhibits proving all violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The company is consistently blocking me from making payments online. I applied for a forbearance under the Cares Act and brought my loan back current back in XX/XX/2021. Yet the company has a payment block on my loan after I've made multiple requests to have to black removed. I'm not in default nor have I ever been late with payments. The company also denied my requests for loss mitigation efforts and told me I did not qualify. Yet, they never provided documentation nor asked for documentation. I was merely told underwriting did not approve my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: FL

Complaint narrative:
On XX/XX/2021 My credit report XXXX  and Equifax refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the XXXX credit bureau and debt collector ( XXXX XXXX XXXX  ) the amount showed is {$4100.00} and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 
1. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$110.00} 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. 
I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

As previously stated, I did not originate these debts.

Reporting is voluntary not mandatory. Not ONE law says anything has to be reported.

In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
The mortgage servicer for USAA, XXXX, refused 3 payments I made through online bill pay without explanation and then attempted to charge me late fees after they refused payments. They payments were returned to my bank account without explanation, despite multiple inquires. 

Additionally, I have made partial payments which they have not applied to my loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have a Bank of America checking account and Merrill Lynch brokerage account from my employer. I requested to sell some of my stocks on my brokerage account, and the send a money to myself. The representative from Merrill Lynch told me that if I have a Bank of America account I can wire transfer from my Merrill Lynch to my Bank of America account with no fees from both sides. As a result he helped me initiate two wire transfers. One is my balance on my account, and the other one is the stock selling money. However Bank of America card me wire transfer fees for incoming wires, which is inconsistent with the representative from Merrill Lynch. I called Bank of America and was able to get the first wire transfer fee waived however the second word transfer was identified as international wire transfer and they refused to waive the fee. They told me in order to waive the fee or to re-identified as a domestic wire transfer I have to contact the Merrill Lynch. I contacted the Merrill Lynch and the Merrill Lynch representative told me I need to contact Bank of America because theres nothing wrong on their side. I was pushed back on the fourth for many times within one day. From Merrill Lynch and the Bank of America I received that very different information. They are essentially the same big company but they are pushing me to be a transmitter and I spent more than four hours on the same day to communicate with them. I believe I was not fairly treated.

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: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: JFQ Lending, LLC
State: MD

Complaint narrative:
Unsolicited lost money found scam. Do not want to provide personal information to company as they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
In XXXX of XXXX my wife and I signed up for a home equity line of credit which was serviced through Specialized Loan Services ( SLS ) in the amount of {XXXX}. 

We failed to make payments on the note, and subsequently a lien was placed on our home. 

SLS now says we owe the principal balance of XXXX XXXX XXXX XXXX XXXX in interest. 

Our issue is not with paying what is owed - we are planning to sell the home this year, but the interest amount exceeds Washington State 's statute of limitations which states that interest can not accrue indefinitely beyond the six year mark. 

For the last two years we have directly attempted to communicate this and had two different attorney 's attempt to get SLS to adjust the amount of the lien to the amount that would haver been due at the six year mark but have been denied, most recently claiming that they need to assess the amount of equity on the first mortgage ( which is current ) before they would consider anything.

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: LA

Complaint narrative:
Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate this matter.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Date of last activity appears incorrect across both of my CLOSED XXXX XXXX accounts. Remove immediately due to inaccuracies.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, XXXX 2. SEQUOIA FINANCIAL SVCS, Original creditor : XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, XXXX} 5. SEQUOIA FINANCIAL SVCS, Original creditor : XXXX XXXX XXXX, XXXX} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.

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: BANK OF THE WEST
State: UT

Complaint narrative:
Bank Of The West is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. I called and paid it immediately but they still have not updated the information on my credit report. This debt has been settled for a few months now and it is still reflecting a balance on my credit file. I need this account removed/fixed.

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: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been doing business with Synchrony for a number of years using their Amazon credit card. I recently made the decision to stop doing business with Amazon and have been cutting ties across the board and changing my credit accounts. Part of that means stopping my Synchrony Amazon account, which is marked for closure due to disuse. I opened a XXXX card with Synchrony due to it's rewards program, but still planned to discontinue use of my card. Unfortunately, Synchrony closes these accounts automatically. Such a closure would impact my credit score substantially. I asked the bank if they could move the limit over to the XXXX card to preserve my credit limit. 

They refused outright and said there would be no way to protect my score in this situation. I called to attempt the matter on XX/XX/2021 and spoke with multiple managers. This is an abuse of my consumer protections as it forces me to either use a financial product I do not want to use and is being forcibly closed, or suffer an impact to my credit score.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 8 loans on my credit report that do not belong to me I have not applied for these or used any of these I have no idea whos student loans these are or why they are on my credit report I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account

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