vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/XXXX : Mortgage placed on a COVID Pandemic forbearance. 
XX/XX/XXXX : My husband became unemployed as of effect of the pandemic XX/XX/XXXX : Payments restarted on mortgage {$1400.00}. 
XX/XX/XXXX : All documents provided for modification process. 
XX/XX/XXXX : Modification denied. Other options offered - pay off the entire amount of forbearance or refinance with another mortgage company. Paying off the entire amount is unfeasible and unaffordable to say the least. We have suffered financially the same as all others as effects of this devastating pandemic. Why is wells fargo not trying to work with us and in fact working against us? I understood it was against the law to do such things in the face of this pandemic. Please assist. All we seek is a modification or some sort or repayment plan. We do not seek foreclosure, although, it would allow us to save a lot of money we seek to protect our credit with much more interest! We have XXXX XXXX year old XXXX  ( among our XXXX children ) that will attend college next year and may have to obtain loans to pay their tuitions. We do not have time to go through the whole refinance process with another mortgage company. Although, it would probably be best as we could most likely lock in a better rate and cash in on equity with a more reputable institution. However, we just seek to resolve this in the speediest way possible with the current lender. Thank you in advance for your assistance in this regard.

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 2021-09-03 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: NY

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 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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
I reached out to Core Logic Credco department specifically and the agent spoke did not allow for me to freeze my consumer profile, she said they dont offer this. I hung up with her and called again Just to confirm and again the said I can not freeze my profile.

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 2021-09-03 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The particular account LVNV FUNDING LLC position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MS

Complaint narrative:
I am the consumer and this complaint is filed by myself with no other third party. XXXX and Transunion likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and Transunion I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX  and Transunion as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND Transunion continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.

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 2021-09-03 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
I am the consumer and this complaint is filed by myself with no other third party. XXXX and XXXX  likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and XXXX I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX and XXXX as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND XXXX  continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with Navient, contacted XXXX XXXX, and XXXX to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Repeated calls after being notified to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: GA

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 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 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My PPP LOAN was deposited into the account on XX/XX/21 they closed on XX/XX/21 My money has been missing for quite some time now so I finally reached out to USAA and they filed a dispute to find out where the funds went. They responded today saying that {$6100.00} was deposited and those funds were applied to an outstanding balance and the remainder sent by check however I had no outstanding balance whatsoever and Ive never received a check for any amount from USAA. Theyre telling me to reach out to the lender which Ive done XXXX times which is why I reached out to the bank because all my lender knows is that it was funded and with this new information it in fact was funded just not to me! Im asking that they immediately return those funds!! Also my account was closed with zero warning for no reason they claimed its as because no recent deposits and claimed they sent a warning guy they never did that either I would like that investigated as well. Ive had so many issues with this bank including fraud which Ive never gotten my money back from which is why I stopped making deposits into that account in the first place. Now this! I have attached proof that my account was closed with no balance and that those funds were deposited yet Ive never received them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I've tried to pay this debt. On my credit report I have three different debt accounts from this debt collection company. One debt say XXXX, {$180.00}, and {$70.00}. However, when I call they say I them owe {$1000.00} for medical biils. I refused to pay them because I'm only responsible for what's on my credit report. What they're doing is illegal. Someone has to call them, and prentend to be me, so you'll get to the truth!! I'm only willing to pay what's on my credit report, and that's it!! Here 's their information EVERGREEN PRO RECOVERIES XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
I've tried a couple of times, but they claim that I owe them {$1000.00}, but my credit report states a different amount.

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 2021-09-03 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: NY

Complaint narrative:
I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.

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 2021-09-03 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX  XXXX XXXX  XXXX XXXX  - XXXX DISCOVER FIN SVCS XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received offer # XXXX on XX/XX/2021 from Capital One to add an authorized user and spend {$1000.00} by XXXX to receive a {$100.00} statement credit. User was added and spent more than {$1000.00} before XXXX. Many agents confirmed this on phone. After speaking to 10+ people over a few hours in a couple of months, I still have not received the offer. I was told originally it would be done by the end of XXXX. It is now XXXX and I have spoken to 6+ people on my call today. I just want the {$100.00} credit I'm due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account was not mine I explained this and they closed it but are still reporting a balance with the fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I submitted another complaint to Amerassist A/R Solution because my first complain was not responded to. I stated more facts and violations that I caught the second time around and got a response in nearly 7 days from the General Counsel. the problem is the response from General Counsel, XXXX XXXX XXXX, only address part of the issue. It simply does not provided answers to why they refused to update my status to disputed and, apart from what they have said, have yet to VERFY the said debt or answers how they support their allegation of giving a loan to a consumer who holds an open end credit plan according to 15 usc 1602 ( J ). 

Secondly, I disputed the validity of the debt to which you sent, a RETAIL INSTALLMENT CREDIT SALE CONTRACT. You then said the debt appears to be legitimate, aka valid. As a consumer, I know that when someone says something appears to be a way, that they are reporting what they believe or what they have been told, though they cant be sure it is true. Where are the facts? Once again, a debt has to be VERFIED to be valid. You simply went around that question. You responded by saying, Amerassist has marked its files to indicate that Ms. XXXX disputed the debt. So what about providing VERIFICATION? This should have been provided the first time, and Amerassist choose to let this linger because they know that once a consumers credit report shows they have disputed a debt, the debt collector must obtain verification ( not validation ) for the said debt according to 15 usc 1692 ( g ) ( 4 ). Furthermore, choosing to continue with your collection practices, willfully and knowingly, without properly providing proof, is a violation of 15 usc 1611 ( 1 ) ( 3 ). Congress says, whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, and ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. So, once again, if verification CAN NOT be provided the debt has to be removed. Sending another contract that contains fraud, simply will not suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a charge on my credit card on XX/XX/XXXX for {$3400.00}. The charge was at a university in XXXX. About two weeks later I called about it and it was reversed along with several automatic monthly charges of XXXX that we discovered on while on the phone. On XX/XX/XXXX, I received a letter stating that after an investigation it was determined that the activity was valid and the provisional credit was reversed and I was being held responsible for the charge. I am not sure why. I have received 2 subsequent letters after a phone call by me : one stating that I was responsible on XX/XX/XXXX and another on XX/XX/XXXX stating, thank you for your concern we will fully investigate your concern and contact you if we need more information. Since then I have received no communication. When I call I am put on " terminal hold ''. I am a XXXX year old retiree who graduated college in XXXX. This transaction does not pass any reasonability test. Can you help me with this problem?

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 2021-09-03 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: NJ

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 XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation