vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lost my wallet at a grocery store either inside or outside in the parking lot which contained my personal information. I went back to the grocery store to see if anyone had turned it in or if they could rewind the cameras back. Since losing my wallet, I have not noticed any new accounts being opened but I have noticed alot of credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
Due to the financial impact of the pandemic, we applied for forbearance with Loancare. It was not realistic to pay four months of mortgage payments so we applied for the loan modification on XX/XX/21. Although we were in this process, Loancare reported our payments as late to the credit bureaus resulting in a dip of over 100 points to my credit score. During this time, I attempted to rectify the matter with Loancare, to no avail as I the responses varied each time we called. It was only after filing a complaint with the XXXX XXXX XXXX that Loancare corrected the issue with my credit score. To date, Loancare has not provided documentation of the terms of the modification nor does the website reflect changes although we have been told by agents to pay the modified amount. On several occasions, we have been told these changes became effective on XX/XX/21 and the payment was timely and deducted from our account. On the other hand, Loancare continues to send routine notices that our account is delinquent. We have completed the modification paperwork and have been told that the process is complete. On XX/XX/21, I received alerts that my credit scores have once again decreased over 106 points as a result of Loancare reporting we are 120 days late on our mortgage. I contacted Loancare and spoke to agent XXXX who also reinforced that our modification is complete and that " she doesn't know why these credit unions do this ''. According to XXXX, she could not adjust the score. She ultimately transferred me to her supervisor, XXXX, who echoed her sentiments. Lacking integrity, continuity in communication, and overall professionalism, it is evident that Loancare has no regard for the welfare for their consumers.

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 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt was added to my credit report in XXXX of XXXX : LVNV FUNDING LLC Last reported XX/XX/XXXX {$2600.00} Open balance I never received a notice regarding this debt before it was added to my credit report. I received a letter from this company several months after they already added the debt to my credit report. I do not owe this debt to this company. This debt was last reported in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have contacted the three bureaus to let them know they are reporting incorrect information to my report. I then sent a certified letter to the collection companies to ask them to prove the debt i have with them by signature, ssn, address between me and their company .NOT who they are reporting for. The company is Trans World System and the account is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Submitted a dispute with Experian via certified mail to update my personal information. I requested the incorrect information be removed due to my fear of identity theft. Requested that incorrect names /addresses be removed. Received my dispute results XX/XX/21. I don't agree with the results, I'm able to provide documentation to support my claims ( identity/ address ). Experian is still reporting incorrect info and refuses to update, I have contacted all my creditors and they have my correct personal info. Its correct on my statements.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey on XXXX XXXX XXXX I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Capital One Auto Fin acc # XXXX I finance a XXXX XXXX XXXX XXXX  on XX/XX/XXXX for XXXX with 16.31 % ARP for 78 months. As of XX/XX/XXXX I paid XXXX and the balance was XXXX. On XX/XX/XXXX my vehicle was flooded by hurricane XXXX in Nj. My insurance company declared it a total loss due to the extensive electrical damages. The insurance settlement was XXXX. Capital One Auto Finance took the entire settlement and expects me to continue making payments of the difference of XXXX as if I still have possession of the vehicle. During the settlement process I needed a vehicle so, I borrowed some money from a friend with the expectation of getting some money back from the settlement. I now have another vehicle and a new car note. I can not afford two car notes. In the letter Capital One Auto Fin sent me they made it appear as if I was in an automobile accident, which is not true. My vehicle was damaged due to a natural disaster. To date they have received XXXX in 36 months and are expecting me to continue until they get XXXX in less than 78 months. This is unfair, I am not rich therefore I can not pay them. I dont want my credit to be messed up because of this matter. Please Help Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was scammed out of {$2700.00} by about this moving company I was sent an email told to click on a link and pay that amount as a deposit. Turned out not to be a removal company at all and I never received any service. I reported this to Bank of America but they said since they authorize the transaction they will not refund me. This was a fraudulent scam and I am an elderly female and have been scammed Im on XXXX and can not afford to lose this much money so I need help

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
Called this company several times I dont have any debt in Arizona when I currently live in XXXX its say a debt owed XX/XX/XXXX but it was published in XXXX almost 4 years later to ask for a debt? I have no idea who this company is and why they this put on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Made a payment on Wells Fargo credit card which showing as posted on WF site as XX/XX/XXXX. As of XX/XX/XXXX payment still does not reflect in available credit line. Made another payment that is showing on their site as received on XX/XX/XXXX. Was not not included in available credit until XXXX First payment was for {$10000.00} There was absolutely zero discourse during the payment process ( have screen shots ) that hold on an electronic payment can be up to 15 days. There is a warning that it can take up to 4 days to fully process the payment. The only solution they offered is to provide them copy of the bank statement showing that payment cleared our account. Both payments were made electronically. How is that possible that one of the largest bank in the US is not capable of knowing whether they got funds thru an ACH??? Our account information is a private matter. Wells Fargo has no need to request it since ACH was used. It is not the only card we have, but it is first time we are having that kind of problem. Having to verify an electronic payment that came from another major US bank in order to release an access to the credit line.

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 2021-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
Title Loan was taken out on a XXXX XXXXXXXX XXXX XXXX. 
The check for {$4200.00} was hard to cash. No store would cash it. Title Max arranged for XXXX XXXX XXXX to cash the check. 
A stop payment was made by Title Max due to a duplicate deposit. Title Max refuses to fund XXXX XXXX XXXX with a new check to cover the {$4200.00} one cashed at their store located in XXXX Missouri. XXXX is requesting payment as well as Title Max. 
Title Max refuses to look into the matter and continues to try to collect on an unfunded loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
XXXX {$1500.00} I Tryed to talk to the company they have no information about the debt that's owed.

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 2021-11-17 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: DE

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I went to het a new lease and they gave me a copy of my reports and Im stressed and cant believe Over 90 days  ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CA

Complaint narrative:
I CONTACTED XXXX XXXX XXXX  AROUND XX/XX/2021 IN REGARDS OF THE FRADULENTLY ACCOUNT BEING REPORTED ON MY CREDIT REPORTS BY THEM ASKING FOR THEIR ASSISTANCE IN GETTING IT REMOVED. ON XX/XX/2021 I RECEIVED AN EMAIL FROMV THEM ( ATTACHED ). ON XXXX XXXX XXXX I REPLIED TO THEIR EMAIL ALSO ( ATTACHED ). AFTER THAT NEVER HEARD BACK FROM THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XXXX of last year when my husband 's XXXX came through we needed a spot to deposit it. I chose my PayPal account. When the money was deposited the account was frozen. I contacted PayPal and they told me that my account was under review and would be that way for a standard 180 days. They have since opened new reviews extending that deadline. We are now at almost a year later and they are still holding the account XXXX. There is over {$9000.00} in the account, mostly XXXX  money, and it's time they released their hold of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
on or about XX/XX/2018, SunTrust Bank ( Now Truist ) restricted my access to my account ( XXXX ) without reason. With my access denied yet my account was still actively being charged and deposits accepted and accounted for, I have been wronged and injured beyond repair. Fair is Fair and just compensation is due. As the owner of account ( A single account is a deposit owned by XXXX person. This ownership category includes : An account held in XXXX person 's name only, provided the owner has not designated any beneficiary ( XXXX ) who are entitled to receive the funds when the account owner dies ; An account established for XXXX person by an agent, nominee, guardian, XXXX, or conservator, including Uniform Transfers to Minors Act accounts, escrow accounts and brokered deposit accounts ) per FDIC.gov, disclosure was withheld of this possible restraint and trespass of rights. I recall going to the bank on or around XX/XX/2018 and being told verbally my funds were on hold for XXXX XXXX XXXX days. As those days ended and communication was had, evidenced in the attachments, I was given the runaround and for the past XXXX years I have not been returned any disclosures nor the credits that were in the account ( XXXX ) at the time of UNAUTHORIZED TRANSFER/DEBIT ( XX/XX/2018 ) to unknown account. All communications and notices from SunTrust agents going forward were doubling the days going forward i.e. XXXX, XXXX, 120 days etc,. The attachments show the consumer transactions and how I, the consumer was robbed of { {$420000.00} } all the while crippling the consumers entire life financially and mentally. Pursuant title XXXX UNITED STATES CODE XXXX Trusts, etc., in restraint of trade illegal ; penalty -- Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding XXXX years, or by both said punishments, in the discretion of the court, conspiracy has been committed along with theft of funds from account. The branch upon gaining parts of the attachments is listed here ; XXXX XXXX XXXX XXXX XXXX, tennessee XXXX. We would like our accounts restored and funds returned to the rightful owner. SunTrust ( Now Truist ) is a FDIC insured entity, so at a minimum XXXX rightfully owed {$250000.00} ( XXXX XXXX and 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 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the XXXX and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX and reaffirmed my home with XXXX XXXX XXXX On Behalf Of Lakeview Loan Servicing , LLC. We just found out that they never updated their system to show the bankruptcy as reaffirmed, they removed the FHA status from the loan in their system. We found this out through the mortgage company that we applied through and was approved for an FHA loan to buy a new home. After spending multiple hours on the phone with them, requesting a payoff that I never received, due to them selling our loan to XXXX XXXX XXXX, as well as with our mortgage officer, who is a HUD underwriter. He informed us the HUD system does not show as as having an FHA loan even though I have a Mortgage paper that says we do. This " oversight '' on Lakeview 's part has placed a hold on our purchasing a new home. They can not /will not help us because they sold our loan to XXXX XXXX XXXX who has not communicated to us at all that they are our new servicer. We have no loan number, only the phone number and address that came to us from Lakeview on the transfer of service notice. We have tried on multiple occasions before the time of XXXX Est to reach this company and the office is always closed, although the IVR states the office hours are from XXXX EST. 
Today XX/XX/XXXX, at approximately XXXX XXXX, I requested that Lakeview try to reach out to them and the agent told me she got the same message that they were closed. I want this fixed so we can purchase our new home. I honestly feel they have committed fraud by the actions they have taken. Our loan was sold just shortly after I started asking for a payoff, requesting documentation and after I made 2 payments trying to come out of forbearance. I was also informed by the new mortgage agent that he was able to verify Lakeview had archived the loan as if it had not had any activity in 24 months. 
This is untrue because up until XX/XX/XXXX we were making payments, put the account in Forbearance, extended the forbearance until XX/XX/XXXX, only to find out they extended it another month without our knowledge or consent, and my wife made 2 payments. One at the end of XX/XX/XXXX and one XX/XX/XXXX. All of this constitutes activity on the account with the 24 month time frame in which they say no activity happened. We were also informed by the mortgage agent he shows there are prepayment penalties on this FHA loan. 
I have attached documentation below referencing the FHA Case # on the note, mortgage and modification in addition to the payment history for the past 24 months. I have also included the Notice of Transfer from Lakeview that includes their address and phone as well as XXXX XXXX XXXX 's contact information.

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