vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, Transunion is violating and not abiding by the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) of 1968. With Transunion violating and not abiding by these laws it has affected my right to obtain credit and my quality of life. On XX/XX/XXXX I ordered my Transunion Credit Report and noticed some inaccuracies with a duplicated student loan Creditor ( XXXX ) on account # 's XXXX and XXXX. On XX/XX/XXXX I sent a 609-letter certified mail requesting Transunion to investigate the duplicate accounts # from creditor and to provide me with documentation to validate their investigation these duplicated accounts with creditor. On XX/XX/XXXX I received correspondence back from Transunion with no validation of the duplicate account # 's and creditor as they still appeared on my Transunion credit report. On XX/XX/XXXX, I sent a 609-letter demanding the validation of their investigation of duplicate accounts and creditor via certified mail. On XX/XX/XXXX Transunion still has not provided me the validation that I am entitled. That is violating my Fair Credit Reporting Act rights and Consumer Credit Protection Act rights because they continue to report false, deceptive information regarding account 's and creditor. I need CFPB help in ensuring Transunion abides by the laws in place that protect me as a consumer.

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 2021-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Step 1 : What is this complaint about? 
Unauthorized or unwanted checking account. Unable to access funds. Unable to get funds placed in correct account Step XXXX : What type of problem are you having? 
XXXX, pay card issues, transfer between accounts. 

Step XXXX : What happened? 
When I was hired by XXXX XXXX Solutions I was informed that direct deposit was a requirement. No problem, on day one I had my bank information including a voided check ready to go. I was informed by VXI that I could not provide my banking information because they require a paycard ( Wisely card and Fifth Thirds Bank ) for our first paycheck distribution. 
I attempted to transfer funds from the paycard 's checking account, which I never authorized to be opened in my name, to my personal bank of choice XXXX. XXXX verified the account with XXXX/Fifth Thirds Bank by making two small deposits. There was no problem with these two transactions. Then using the XXXX app I transferred {$200.00} to my XXXX account from Wisely. There was no problem with this transaction. When I made my second transfer from Wisely into my XXXX account for the remainder of my paycheck 's balance, XXXX/Fifth Thirds Bank informed XXXX that my account with them was closed. This caused problems with my XXXX account. 
XXXX XXXX Solutions informed me that they will not place my full pay with XXXX as a direct deposit as they will only pay bonuses to the XXXX/Fifth Third Bank account which was opened in my name without my approval or fore knowledge. 

Step 4 : What company is this complaint about? 
XXXX XXXX Solutions, XXXX/Fifth Thirds Bank. 

Step 5 : Who are the people involved? 
XXXX XXXX XXXX XXXX, Myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
The account with GATEWAY ONE LENDING AND XXXX  Address : XXXX XXXX XXXX XXXX CA XXXX Date Listed : XX/XX/XXXX Has been resolved XXXX and I still haven't received the title for the XXXX XXXX XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX disputed the matter. 
I am debt free on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2021 I received a CC in my former name but current address, that I did not apply for. On XX/XX/XXXX, I called to speak with a representative to inform them, it automatically activated the account due to me verifying all the information. I have been unable to get a live representative on the phone to close or dispute this account. I checked my credit history and there was no suspicious activity reflected.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We contacted Wells Fargo home mortgage for a refi on our existing mortgage ... we currently have well Fargo for our mortgage so we thought this would be no problem since we have excellent credit and never missed a payments..on the very first day on this process we explained that my husband goes to work overseas and that we would file a POA so that I ( his wife ) can close for us in his name..we did this same exact process for the same home we are trying to refinance ... we got pre approved and the approved ... then I hear nothing for weeks..I tried to contact our loan officer and finally got an email she is no longer with the company..I filed a complaint and never got a call back..trying to figure our what is going on..then they contact me after all of this, to tell me we are denied the mortgage refi loan that we were approved for because they are saying that my husbands home, our ONLY home in TX that we have isn't considered his primary residence because he works XXXXThis home is his primary residence, and when he goes to work overseas he stays in a company owned compound, there are no other properties in his name at ALL ... we were lied to and then our time now for the good refi rates we locked in have been wasted ... we should have never ever used Wells Fargo.they have now cost us time and money

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
A collection agency named Afni, Inc. is trying to collect a debt from me of {$5000.00}. They claim to be collecting on behalf of XXXX. Afni says they are willing to accept {$2500.00} from me as a discounted offer. This is not money I owe. 

The account number is : XXXX. 
The creditor account number is : XXXX I do not owe money to XXXX and I have never had an account with them. I suspect this is fraudulent activity and harassment. 

I have contacted XXXX and they agree that I have never had an account with them. They have no record of any accounts under my name or SSN. 

Afni, Inc is threatening to report this fraudulent debt to credit bureaus. 

In XXXX of 2020, a different credit agency, XXXX, claimed that I owed {$5700.00} to XXXX and reported me to the credit bureaus. I disputed my debt with XXXX and made a complaint to CFPB. Again, XXXX corroborated by claim that I've never had an account with XXXX and have no outstanding debt. XXXX stopped contacting me, but now I am being harassed by Afni, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I entered into a contract with Rise with an interest rate over 100 %. About a month or two after the first payment, the XXXX of California passed a law that was codified as CA Fin Code 22750 that states no person has any right to collect or receive any principal, charged or recompense in connection with the transaction. ( rates in excess of 36 % ) I have tried to resolve this with the company but have had no success. In an attempt to collect their debt they are citing an amount of interest and principal that violates this law on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I submitted a wire transfer internationally from my Bank of America Account to my International Savings Account and as of XX/XX/2021 I have not receive my money, the transfer for what I submitted was promise to be delivered on the XXXX of XX/XX/2021.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Our complaint is that while we paid Ocwen mortgage on time every time, out of no where we get a 1098 for only {$XXXX} I am not sure why they can get away with it but Ocwen constantly changes ( 4 changes out of 6 years??? ) our 1098s without any acknowledgment of what or why??

The letter attached shows that we had paid per agreement {$XXXX}, in interest Then Ocwen proceeded to do an " audit '' and keep/take {$XXXX}. We were never told 1. That they did the audit 2. What was decided by this " audit '' 3. Where the money went ....

We have tried, multiple times to ask where this money went but the problem is Ocwen then sold off our note to PHH ( they are in business together ) so when we asked, they only say " not our account '', and since they did not pay the taxes ( PHH had the account for escrow ) We only realized the extent of the problem when we only got a 1098 for {$XXXX} from Ocwen, and {$XXXX} from PHH in 2020 1098s for. We are missing {$XXXX}. minimum as our average 1098 is over {$XXXX}, so we keep asking where is it? We paid you over {$XXXX} in interest and Ocwen can not just say an audit happened.no explanations where the money went.

I have no idea why they bring up who paid the taxes since we are talking about ( at least since this audit gave us NO IDEA what was up ) this is interest expense, not escrow.

We have set up a transfer to another mortgage company as Ocwen is too much work trying to keep track of the money they move and don't tell you where it is going. We need the money back please, I have attached the letter from them showing they have no explanation of where the money went also a crude excel print out of the previous examples of 1098s, and how can they be so for off? So often?

Also you fix a {$25000.00} +/- problem with Ocwen earlier this year and we can not thank you enough!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GA

Complaint narrative:
The following information needs to be removed from my credit report immediately : 1. Identity Theft XXXX  CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

10. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

12. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft XXXX  Account Number : XXXX Please remove it 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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: RI

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid-South Adjustment sent me a Demand for payment in full notice in the mail, dated XX/XX/20, indicating that this is an attempt to collect a debt, but the debt letter did not inform me the RIGHT TO NOTICE OF DEBT. The letter Mid-South Adjustment sent me did not include my right to dispute and other information required under the FDCPA. When I informed Mid-South Adjustment that they failed to include certain information required by law in the first letter they sent me, they tried to cover it up by sending me what they called the first letter they sent with the required information by law. However, Mid-South Adjustment did not realize that I still have the actual and original first and only letter they sent me, which did not include the required information by law, which shows they lied and sent a fictitious debt letter and back dated it to XX/XX/20 in an effort to cover up their mistake, stating it was the first letter they sent. A copy of the first debt letter Mid-South Adjustment sent me is uploaded and attached to this complaint for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The fraudulent acquisition and use of a person private identifying information, for financial gain. Infringement upon a consumer 's right to privacy! 
Plus violations of Codes : 15 USC 1692a. ( 6 ) ; 15 USC 1692b ; 15 USC 1692c. ( a ). ( b ) ; after I sent a certified letter to 15 USC 1692c. ( c ) was violated this debt collection sent me another attempt to collect a debt letter. This is a violation!

15 USC 1692e. ( 1 ). ( 10 ) ; 15 USC 1692d. ( 1 ) ; 15 USC 1692j. ; 15 USC 1692k. ( a ) ; = INVOICE for {$10000.00}. 
and I want this Delete from my consumer report and any of there affiliates data sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I previously co-leased a XXXX XXXX from Hyundai through Hyundai Finance. In XXXX of XXXX ( at the beginning of the COVID-19 pandemic ) I was attempting to return a leased vehicle on time, but Hyundai made it extremely difficult to return the car. After being turned away at multiple Hyundai dealerships, I finally found one that would allow me to turn in the car. The vehicle was turned in on time and in perfect condition. 

At the time of the turn in, I was told that due to COVID, there would be no exchanging of documents and I wouldn't be provided with any paperwork. I was also told to expect to be contacted later with additional information ... such as the turn in fee. However, I was informed to expect delays with being contacted because of COVID making things more difficult. I was never told how or when I'd be contacted. 

After months and months of waiting, both my co-lessee and I were notified in XX/XX/XXXX of a negative credit pull from Hyundai over an unpaid fee. I was shocked since I had not heard from Hyundai about any outstanding fees. 

I immediately called Hyundai Finance and asked what happened. They told me that they do not send the final invoice via email despite all prior invoices being sent by email. They also said that if they call and I miss the call, they do not leave voicemails. The only way I could have been notified of the final fee was by letter, which I never received. 

I turned out that Hyundai had the incorrect address and the final invoice was not actually sent to me, but rather some other address that doesn't even exist. 

I would also like to point out that I regularly checked my online account and saw nothing, until I called and followed up with Hyundai Finance. Once I spoke with them, the original invoice including the fees in question posted to my account. You can see in the attached documents that the final invoice has the incorrect address. When I spoke to Hyundai Finance in XX/XX/XXXX, I told them of the error in address. 

I settled the outstanding amount with Hyundai the day I learned of it, but it seems that they have kept the negative credit mark on the accounts of my co-lessee and I. When I filed a dispute with Hyundai, they investigated themselves and found there was no wrong doing and that nothing would change. 

I am desperate to remove the negative credit report for both my co-lessee and I since the fees were paid immediately upon learning about them, despite being denied the opportunity of knowing about them in a timely manner.

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 2021-03-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Unauthorized soft inquiries for online promotions. I never authorized these and Im not associated with any of these companies. 

XX/XX/2020-> COMENITYCAPITAL/XXXXXX/XX/2020-> XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -> COMENITYCAPITAL/XXXX

Company response to consumer: Closed with explanation