vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.

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 — Threatened or suggested your credit would be damaged
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I received a letter from Revenue Cycle Associates, claiming to represent XXXX XXXX XXXX XXXX XXXX and demanding I pay a " bill '' and sum on an alleged debt in the amount of {$1700.00}. I have never had any business dealings with Revenue Cycle Associates and by contacting me and demanding a payment on a debt that I allegedly owe, they have violated many Federal Consumer Laws pursuant to the FDCPA as well as 12 CFR which are the codes of regulations they are governed by. I am the consumer pursuant 15 USC 1692 ( a ) 3, and I do NOT owe any debt. By mailing me and alleging that I owe a debt Revenue Cycle Associates has violated 15 USC 1692c ( a ) 1. I believe I am also the victim of identity theft because Revenue Cycle Associates has my mailing address, and social security number which they did not receive directly from me... my personal information and living location has now been compromised pursuant 12 CFR 1022.3. I have never provided my social security number or card for any matter to this company. This company is alleging that I owe them a medical debt, which I do not... .and this signifies to me that they have or think they have possession of my medical records and history, which is a direct violation of 12 CFR 1022.32 and a violation of. This company also threatened me with a declaration of obtaining a judgement and " verification '' which is a violation of 15 USC 1692d, and should they attempt to " verify '' any of my personal information that they have stolen or illegally obtained then I will file an Identity Theft Report with the FTC, Department Of Commerce , Department of Homeland Security, Department of Justice, Federal Maritime Commission, Social Security Administration, as well as i will file a 3949A form with the IRS against Revenue Cycle Associates.

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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I don't know anything about the charges or dates I was in the hospital with XXXX whe. Someone opened this account and ran up the bill I had no knowledge until I saw it o. My credit report I have contacted the company several times with no resolution the company is Affirm

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 — Account status incorrect
Company: MEMBER MORTGAGE SERVICES
State: MI

Complaint narrative:
MMS Mortgage is not reporting accurate payment history for my account. My credit report says I haven't made a mortgage payment since XX/XX/2021 however my account is current & payments have been made on-time and in-full through XX/XX/2021. I have an account activity report showing on-time payments, an email from an account rep at MMS and the most recent account statement showing that my account is current. 
The following months are showing up as NOT paid ( which is NOT correct ) XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment. All of these months have been made on-time AND in-full. I need MMS Mortgage to update payment history and Recent Payment History so that my credit report is accurate. I've filed multiple disputes through XXXX & each time MMS responds saying that my credit report is accurate. This has been going on for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have 22 ineligible payments I was told due to being " paid ahead. '' I was told these can be changed to eligible with a manual recount which was submitted. For the past year I have called every 3 months and have also submitted my employment certification form but the count is never adjusted.

Company response to consumer: Closed with non-monetary relief
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXXXXX XXXX Inquiry date XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I will keep reporting this company every time my claim is denied, because they still cant seem to show me where and/or how my fraudulent charges were valid. They keep saying they did research and they can show me the information but no one does. Literally no one has yet to send me the information and Ive complained multiple times. The fraud and research department were absolutely no help and asking questions will only anger them. The only thing they say is the claim was denied because of the research found, but cant tell you what research was used. Its ridiculous, the company is nothing but a scam. I filed a complaint twice and they email me back in two days saying theyve researched the complaint and found no error. Thats literally their favorite word, thats literally all they ever say! And I dont understand how you complete a thorough investigation in two business days. Wells Fargo is a complete and utterly disgusting bank. But, I can assure if I was a white man instead of a XXXX woman things would be handled much different. I lost {$2000.00} and cant get it back. They can run camera footage, see the location, time, etc and see it wasnt me making those charges. I mean the charges were made in a completely different state, I mean come on. But they didnt try to rectify the situation or help me, they allowed my money to be stolen. They are fraudulent and deceitful, and this is literally the worse bank. I will continue to complain until my claim is awarded in my favor. Every time you all deny, I will complain a hundred times over.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am trying ti contact Experian for a name update after having a court ordered legal name change. 

My credit is frozen and I can not talk to an actual person for the documents needed to submit it order to change the information on file.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report it has two addresses that I never lived at. I never lived at XXXX XXXX XXXX, XXXX, Florida XXXX and I never resided at an address that has an identification number XXXX on my Experian Credit Report and I want both addresses deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX

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 — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I had an auto loan with Ally financial for a XXXX XXXX XXXX. I traded that vehicle in on XX/XX/XXXX for a XXXX XXXX XXXX. Ally financial provided the loan for that as well. 
The loan for the XXXX was paid in full but on XX/XX/XXXX, Ally still took out the {$870.00} payment from my bank. I called them multiple times and sent a message thru their online APP asking for reimbursement. They said I would be reimbursed with overdraft fees ( my bank account went negative ) but wouldnt give me any specific dates or dollar amounts. 
I talked to someone from another department about getting this resolved on a few occasions, the last of which being Friday XXXX XXXX she told me the reimbursement wasnt approved but she would try to expedite and get back to me by Tuesday XXXX XXXX. 
I have yet to hear back and at this point it feels like a refusal to reimburse the money they took from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BONNEVILLE COLLECTIO XXXX Balance {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CBE GROUP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CBE GROUP XXXX Balance {$1700.00} ; CBE GROUP XXXX Balance {$1800.00} ; CBE GROUP XXXX Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
My loan was restructured over a month ago ( I was on/in the middle of a covid forbearance plan when they bought my loan from round point it took them 2 or 3 months too get to me on the restructuring ) my account still isn't updated I have different people telling me different payment amounts I had made at least 3 payments of at least XXXX ( XXXX ) before the restructure she told me it would be applied after the restructure which should have been done in early XXXX she said the amount I have from these payments is only XXXX where did the rest of the money go? I have been trying to get ahold of my " point of contact '' for awhile with no luck doesn't return calls or answer emails same with her boss I spent over 2 hrs on hold the other day trying to get threw to anyone to see what's going on with my mortgage and how much I need to pay it has been a nightmare since they got my mortgage now I'm afraid my mortgage is going to be late because I can't talk to anyone and I'm not sure where the rest of my payments went I have read reviews and nothing good I can see you guys already had a lawsuit with them for something similar

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
XXXX. The inquiry was not authorized Kansas Counselors Inc. Date of inquiry : XX/XX/XXXX Account XXXX XXXX : {$310.00} XXXX. Please remove it from my credit report. 
XXXX. The following account is not mine Kansas Counselors Inc Account Number : XXXX Balance : {$870.00} Please remove it from my credit report., These do not belong to me. I've sent in letters requesting these be removed and have not heard any thing back. It's been 30 days since letters were sent in ( as XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2021 a dispute was started with XXXX XXXX through Chase Credit Card Services over a cancelled flight for ~ {$650.00}. On XX/XX/2021, a voucher was issued by XXXX XXXX to the customer so the dispute was cancelled with Chase the next day. 

On XX/XX/XXXX, the customer tried to use the voucher only to find out it had been cancelled. Customer service said on XX/XX/XXXX, that a refund had been issued on XX/XX/XXXX so the voucher is no longer valid. 

After calling Chase, the company said I needed to reopen a dispute and send evidence as there was no issue sent from XXXX XXXX. On XX/XX/XXXX, a dispute letter was faxed to Chase XXXX XXXX from a local Chase Bank with the email from XXXX XXXX customer service stating the refund had been issued. 

On XX/XX/XXXX, a letter was received from Chase by the customer stating the charge was correct, no refund was to be given and the dispute was closed. 

This complaint is regarding the fact XXXX XXXX stated a refund was granted, but Chase will not grant the refund or hold XXXX XXXX to their word.

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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To whom it may concern : I had a Bank of America credit card since XXXX- with on time payment history for over 14 years. Last year in XXXX - I was visiting XXXX in XX/XX/XXXX when I contracted XXXX-XXXX and due to complications I was admitted to a hospital on XX/XX/XXXX and put on a XXXX on XX/XX/XXXX. I almost died and I was on the XXXX in a XXXX until XX/XX/XXXX and then in an almost vegetative state until XX/XX/XXXX when I was finally discharged from the hospital. Due to this, I missed the 2 credit card payments that were due in XX/XX/XXXX and XX/XX/XXXX. 

Once I was discharged from the hospital- I started making the payments and once I paid the credit card in full - Bank of America closed the credit card account. 

I contacted Bank of America to request them to delete the late payments on my credit report but they refused. I am requesting you to please consider my request- I was not at fault- I have an excellent payment history - I almost died and as soon as I got out of the hospital I paid my debts in full. 

Can you please request Bank of America to delete the late payments on my credit report. 

I am more than happy to provide all the proof of my hospitalization as needed. 

Thank you, 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: 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: FL

Complaint narrative:
I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to XXXX XXXX XXXX on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. XXXX usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, XXXX has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, Equifax etc. viz. consumer reporting agencies. XXXX has disregarded my revocation of right to report and continues to violate my right of privacy. XXXX has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.

Company response to consumer: Closed with explanation