vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, For the past several months I've contacted XXXX and Equifax regarding the INACCURATE reporting of a charged-off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. For over XXXX mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of tri-merged credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting XXXX-days late within the time span of XXXX days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as XXXX days late. ( NOT POSSIBLE )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I was approved for a loan modification back in XX/XX/2021. I have over {$10000.00} in a " suspense '' account and that was supposed to pay the mortgage for the next 6 months, starting XXXX. My account still has not been update in the system. They were supposed to have it updated within 30 days of receiving my completed paperwork. It has now been 4 months. I need to be able to see my updated information online.

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX with the account number XXXX is said to be a collection account that was sold to North American Recovery with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX / XXXX / 120 days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days XXXX XXXX XXXX XXXX / XXXX / 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 90 days XXXX XXXX XXXX XXXX XXXX XXXX / 90 days late XXXX XXXX XXXXT / XXXX / 90 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
On the first call to Barclays on XX/XX/XXXX I had a balance of {$580.00} and automatic payments of {$13.00} per the automated system. I obtained this information by entering in my social security number and my date of birth. I never opened another card with Barclays after the fraud. It took them sometime but a Barclays rep ( XXXX ) found the account, I was the primary and there was an authorized user that they wouldnt name the authorized user or the address that did not match the two I gave ( " I don't see any of those on this account '' ). I was also supposed to get some documentation and a letter, which never came. The account was flagged for fraud too by the actual fraud department ( I spoke to this gentleman ) according to the general rep ( XXXX ). The fraud rep transferred me back to the call-pool and I managed to get back to XXXX. She stated everything was now showing it was flagged as fraud and closed. I spoke to a general rep and a rep from the fraud department at Barclays. 

I can still access this ACTIVE and recent credit history by entering in my social security number and my date of birth. On XX/XX/XXXX there is a balance of {$13.00}, a credit limit of {$5400.00} w/ {$1100.00} cash withdrawal, the automatic payments are no longer listed. Now I dont have an active account and I am allegedly an authorized user on someone elses account because they cant find me w/ my date of birth and social security number. They cant see the running balance or credit limit. Yet I can still enter my date of birth and social security number when calling in before I get a rep on the line. During the first two minutes of the call the general rep ( XXXX ) stated either name was not what was pulled up on this mystery account, the rep flipped shortly after and insisted I have two inactive accounts. On this call I also spoke to a customer security rep. 

Barclays is trying to cover up a mistake if thats whats going on either for myself or another person. If this is a genuine mistake IT and a manager need to physically remove my social security number and date of birth, otherwise they are helping a stranger commit identity theft and credit card fraud. I DID NOT CONSENT TO HAVING THIS ACCOUNT OPENED OR TO BE AN AUTHORIZED USER. Ive put in a dispute w/ experian and frozen my three credit accounts w/ the three companies ( XXXX, XXXX, XXXX ) and Ive done the identitytheft.gov thing. 

Recording :XX/XX/XXXXXXXXXX/XX/XXXXXXXX

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 2022-02-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX XXXX XXXX and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.

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 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems is fraudulently verifying MEDICAL accounts on my XXXX, XXXX and XXXX credit reports. Medical Data Systems is still attempting to collect on a debt that was already PAID IN FULL to the original creditor. The ORIGINAL CREDITOR has demanded that Medical Data Systems purge any information they have about me and delete all accounts they have reported on my credit report, However Medical Data Systems has NOT done so. I paid the original creditor, however MEDICAL DATA SYSTEMS is still Fraudulently verifying this debt on my XXXX, XXXX, and XXXX credit reports. This is fraudulent reporting because XXXX XXXX XXXX XXXX " XXXX '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. I demand XXXX, XXXX, and XXXX and Medical Data Systems DELETE ALL references to this account IMMEDIATELY and DELETE ALL ACCOUNTS MEDICAL DATA SYSTEMS IS REPORTING ON MY CREDIT REPORTS.

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care Credit used and accepted by healthcare providers and managed by Synchrony Bank let 's you pay for say tooth implant with interest free payments. They put you on a payment plan for 18 months that's interest free. You would assume that they put you on a plan that would pay off the debt in 18 months but that is not the case. At the end of 18 months you get hit with a huge interest payment. $ ( XXXX ) in my case because the total amount had not been paid off. However, they set up the payments so they put you on a plan that they know will not pay off a balance and then they don't alert you to the amount of interest you will be hit with when the " promotion '' wears off. This is particularly predatory because it is in every doctors office, dentist, dermatologist office and they are preying on people who are particularly vulnerable. 

I did not get a notification that the plan was about to end and I would face a huge interest rate payment

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 2022-02-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.

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 2022-02-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I requested forbearance on my loan for XXXX month 's back when Covid started in XX/XX/XXXX, as the month 's passed i was told my payments would be added to the end of the mortgage, which never happened. XX/XX/XXXX i was told i would be approved for a mortgage modificatio. I called every month with the story being that due to covid it was taking awhile. Finally XX/XX/XXXX they sent the documents to be signed for approval of loan modification and that my first payment would be due on XX/XX/XXXX. I have made every payment since and have called every month since and my account reflects that i am passed due. I've called twice every month with the story being they are still working on it. I have requested manages and supervisors and only XXXX ever did i a supervisor call to tell me they are working on it. Now we are in XX/XX/XXXX and my account has been brought back to be reviewed because noone has an answer as to what is going on with my account, I have lost the ability to lower my interest rate due to this mess. I am very upset, frustrated and feel hopeless with this mortgage company. This is a horrible company to deal with and I'm surprised they are still running with all the bad reviews and complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS XXXX IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT XXXX, XXXX, XXXX, XXXX and all affiliations! XXXX it!

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 2022-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, Community servicing, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS SPS IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT SPS, XXXX, XXXX, XXXX and all affiliations! XXXX it!

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 2022-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: C/C Financial
State: MI

Complaint narrative:
I'm not swayed that XXXX, XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX XXXX are reporting inaccurate information on Preferred Lease with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX, XXXX XXXX and XXXX are reporting my Bank of American mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, Bank of America offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that Bank of America is in violation of the XXXX Mortgage XXXX XXXX while not not allow lenders to adversely report mortgages as negative while in forbearance.

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I'm not swayed that XXXX, XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Bureaus are reporting inaccurate information on Capital One with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.

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 2022-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My Husband of XXXX years passed on XX/XX/XXXX and Webster Bank will not accept my Probate Degree Without a Proceeding in order to access the money in my late husbands checking and savings account. 

His estate was under $ XXXX so Probate issued a Decree without a Proceeding. Webster Bank wants an appointment letter. In order to get that, my attorney would need to open the open the claim and file a Small Claim which is not required otherwise. That would cost me $ XXXX which is more than the money combined in both accounts. XXXX had a will that left everything to me. I was an authorized signer on the checking account that was opened in early XXXX. I have full recollection of XXXX having me sign the papers. I have written and signed checks from time to time ever since the a account was open. Webster claims I am not listed as a signer. 

Can you help me access the money and close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
The account is still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the account that is still reporting on my report : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TX

Complaint narrative:
This consumer reporting agency has the audacity to profit from my personal information. But not correct it after Ive repeatedly sent letters and copies of my ID and proof of mailing address to correct it. 
For the last time, my name is XXXX XXXX XXXX. Not XXXX XXXX XXXX. Please correct my personal information before I I sue you for defamation of character.

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