vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( transunion XXXX and XXXX report different on multiple accounts Highlighted in the yellow are Transunion highlighted in the orange are XXXX highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.

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 2021-10-06 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: PA

Complaint narrative:
Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( XXXX experian and XXXX report different on multiple accounts Highlighted in the yellow are XXXX highlighted in the orange are Experian highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.

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 2021-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a call from regional acceptance on XX/XX/2021 around XXXX. The rep didn't not verify my identity, make and model of auto, she didn't let me know that the call was being recorded.I asked her to cease and desist from calling me 3 times because she refuse to argue with me and tell me how bad my pay history. She continued to talk over me and when I told her that is what she was doing she told me I am not talking over you we are just talking at the same time with no remorse. All so the call disclosure was not given she violated the FDCPA in so many ways.

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 2021-10-06 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has repeatedly failed to update my credit report monthly and incorrectly shows inaccurate balances. I have repeatedly contacted them in which I have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH XXXX for National Credit Systems about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. XXXX claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for XXXX. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). XXXX wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and NATIONAL CREDIT SYSTEMS HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I spoke to 3 different representatives at Experian about four accounts that was included in a bankruptcy from XX/XX/XXXX and was already reporting correctly on the credit report. I had already took a negative hit on my credit when it was filed in XX/XX/XXXX. Fast forward to XX/XX/XXXX I received alerts from Experian that out of the 16 accounts that were included in the bankruptcy, 4 of them were reflagged as a Bankruptcy and marked in the payment history as if the Bankruptcy was done in XX/XX/XXXX. When that occurred it lowered my credit score from a XXXX to XXXX, ( 15 points ). Nothing else about the accounts have changed except for the dates and Experian marking the account as a new bankruptcy. I have evidence from two credit reports from Experian one dated the XXXX of XXXX ( prior to the new alerts ) and the report after the alerts showing the damage that it caused to my score. Experian has no answer but that the lender is the one that updated it but I told them that I wanted to file a dispute for the Information because it was no reason to update information that was correct. Attached I will highlight the accounts and the problem areas that are incorrect and was changed to hurt my score negativity.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: OH

Complaint narrative:
I have previously sent you a request to validate my debt, for the following account numbers, on XXXX XXXX XXXX : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attempted to dispute my debt to all three credit bureaus. I received no debt validation of response. I sent letters certified on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice on XX/XX/2021. and no received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
A few months ago I was informed they were snatching money that I deposited in my account and some other transactions totaling up to XXXX dollars. There were a few instances were I had to call to see if the rebuttal was checked since I attached new evidence with a automated response that said they wasn't gon na change their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Bepensa Capital, Inc.
State: AL

Complaint narrative:
THis is not mine. I did not get an auto loan from here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
XX/XX/XXXX we mailed in our XXXX payment. XX/XX/XXXX they called and said they didn't receive it. So we mailed in another payment. XX/XX/XXXX they called and said they didn't receive either payment. We checked with the bank and nothing had gone through so we did a check by phone that they charged us {$9.00} to do. XX/XX/XXXX we mailed in our XXXX payment. Then we found out on the XXXX or XXXX that they processed 3 of the payments and overdraft our accounts. We put a stop payment on the other check. The phone in payment showed up on our bank statement as XXXX. They can't find that payment and I explained it to them a couple times. The payments are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THis is not mine. I did not get an auto loan from here

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 2021-10-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
THis is not mine. I did not get an auto loan from here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is the third time I file this complaint in 4 months ( both earlier complaints attached fyi ), and NOTHING has happened ... what is the use of CFPB if you tolerate that the companies whose abuses you claim to protect us from, are free to simply ignore our plights? Does this bureau deserve taxpayer funding??? 
PLEASE HELP ME GET MY {$2000.00} BACK FROM BANK OF AMERICA for interest rates and fees that they charged on my Bank of America XXXX even as they had over {$50000.00} on my checking and savings accounts. For details. refer to my original complaint of XX/XX/XXXX, ref. XXXX Counting on your prompt and forceful investigation. 

Thank you once more.

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 2021-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: ID

Complaint narrative:
I had a HELOC through TCF Bank, which was sold to The Huntington National Bank. I received a notice of transfer from The Huntington Bank on XX/XX/2021. The letter was signed by XXXX XXXX, XXXX, Consumer Loan Servicing Director. The letter advised me my HELOC had been transferred to Huntington. The letter constituted a Mortgage Transfer Notice, and said, and this is a direct quote, " This Notice does not affect the terms or payment of your mortgage loan. '' On XXXX XXXX, 2021, I received a letter from TCF Bank, and the terms of repayment of my loan had been changed. Also, The Huntington has begun a bullying campaign in an effort to make me apply for a Personal Line of Credit to replace my HELOC. I have had two conversations with The Huntington personnel, and have stated repeatedly on a recorded line, that I do not want a PLC, I want to retain my HELOC, as I am allowed by law. I have tried to set up an online account to pay my HELOC payments on line, but am unable to get any help, as The Huntington insists I have a PLC now, and " for their purposes, a PLC and a HELOC are the same. '' This is absolutely false. A PLC and a HELOC are two different animals. The letter from The Huntington lists the following contact information : The Huntington National Bank, Attn : Customer Service XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. I have never agreed to or filled out an application for a PLC with this Bank. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: STERLING BANCORP
State: NY

Complaint narrative:
My name is XXXX XXXX, I live in new York and I want to report a Sterling National Bank customer who wants to take advantage of me. 

I posted XXXX XXXX on XXXX for sale and someone by name XXXX XXXX reached out to me to buy my laptop. 

Since we both live in new York, she came to my address in XXXX to pick it up and said she would pay through her card. I needed cash but she declined and she sent the payment using er debit card to a fundraiser I was running for my cousin " XXXX XXXX XXXX ''. 

She sent the payment in tranches and then picked the laptop and left. 

As part of documentation to avoid chargeback, I asked for her ID which she submitted a scanned copy in my shop for a proof that she made the payment. 

The reason why I am making this report is that yesterday, XXXX XXXX called me on phone and threatened me that she will report the transactions as unauthorized to her bank so that she can get the money back and leave me in negative. 

She said she has been doing the same to other online sellers. 

So I am making this complaint officially to her bank to be aware that the charges were authorized and they should be aware of XXXX XXXX fraudulent life with online sellers. 

I will submit her photo ID here as a proof including a selfie of her holding her ID which I told her to send a copy as a proof. 

Her email is XXXX and her phone number is XXXX The card she used in my online shop to pay me when she visited me ends with XXXX and is a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXD XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have an on-going claim with XXXX XXXX XXXX via. Chase Sapphire Reserve for over 2 months now for Purchase Protection ( XX/XX/2021 ). I submitted all proper documentation during the submission of the claim and then was told XXXX XXXX XXXX needs to verify with the merchant that the item was purchased and was not returned. I submitted all credit card statements but still this verification was needed for the claim to proceed. The request was sent by Card Benefit Services/Eclaims Line to the Chase Verification Department on or about XX/XX/2021. I've checked on the claim and status of this form, possibly about 8-12 times during the past two months. I've received no progress or updates on this claim since it was submitted and keep being told that the department is just backed up. Recently, I've been told that the request for the Chase Verification has been sent to an inbox that is corrupt, from the Chase Verification Department since XX/XX/2021, and therefore has not been received by this department. I've asked for a call back from management numerous times and have been kept on hold for as long as 1.5hrs while waiting for one, only for the line to disconnect. Chase Purchase Protection via XXXX is a scam and is meant to work against, rather than in favor the consumer.

Company response to consumer: Closed with monetary relief