vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 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: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regional Acceptance Corp reported my closed paid off auto loan # XXXX 30 days delinquent which is incorrect. On XX/XX/2021 a mobile payment of {$530.00} was made ( reference number XXXX ) by credit card ( PAYMENT OK ). On the same day a payment of {$17000.00} was made by the dealership who purchased the car from me. Regional Acceptance Corp then sent me a check for {$510.00}. My payments were due the XXXX of the month. My {$530.00} payment was accepted on XX/XX/2021 as well as the payoff in the amount of {$17000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Sent a letter on XX/XX/2021 via mail to Equifax to have them investigate two ( 2 ) items from my credit report. I also requested an updated copy of my credit report and I have not received it. Company failed to respond to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I took out a credit card with XXXX  XXXX in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. Portfolio recovery associates purchased the debt from XXXX  XXXX in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a collection account that shows on my Equifax credit report that is NOT my account. On several occasions, latest one certified on XX/XX/2021. I advised Equifax this was NOT my debt. They refused to delete this debt and state they " validated '' this debt. There is NO way they could have validated this debt because it does not exist. I asked them repeatedly for all the info that was " validated. '' They NEVER provided. I have also contacted the creditor ( XXXX XXXX ) and they NEVER validated this debt as well. In fact, they refuse to make contact with me. They never sent me anything. I have written communications with them on six separate dates which they NEVER replied. This item should be deleted from Equifax credit report. It is not on my other reports. I contacted Equifax yesterday and repeated the dispute online. Within 15 minutes, they concluded the dispute online stating they " verified '' this debt again. IN 15 MINUTES! There is no way they are being truthful. This is ruining my reputation. This untrue information needs to be deleted off my credit report. XXXX XXXX  {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took out a credit card with capital one in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. XXXX XXXX XXXX purchased the debt from capital one in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Macys for my verified signature and how they validated this fraudulent account and all the corresponding information. They have failed to provide me the requested information. I never opened an account, I didnt authorize this to be on my report. This is a fraudulent account. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and they responded in black and white responding to my letter stating I still owe them the undisputed debt when I have disputed the inaccuracy and the entire fraudulent account and I am on record stating this account is not mines. Yet and still they respond with a blatant violation. I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I sent out some disputed letters on XXXX. It's been well over 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I sent out some disputed letters on XXXX. It's been well over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal in combination with Synchrony Bank do not respect XXXX preferences for me to not receive advertisements for credit cards in the mail.

A few months ago, I received a piece of mail to apply for the PayPal XXXX  Mastercard.

However, many years ago, I submitted a permanent Opt-Out Election form to XXXX so that I would never receive unsolicited credit card offers.

I have tried calling PayPal because the advertisement is for a PayPal credit card, but they sent me to various departments and the " best '' answer I got to no longer receive mail was to sign up on XXXX And it seemed as though PayPal tried to blame Synchrony Bank but Synchrony Bank has no record of me. But considering I have been signed up for XXXX for many years, it's clear neither respect that list.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CA

Complaint narrative:
I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: MI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is not right at all what youre doing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: CA

Complaint narrative:
We began receiving notifications in the mail in XX/XX/2021 that we were in default on our mortgage with Mid America. When I checked our payment history on the mortgage website, I noticed that our payment for XX/XX/2021 was not listed. I checked our bank account ( we have our mortgage payments set up on Bill Pay with XXXX XXXX ), and the XXXX payment was indeed sent ( albeit late ). I sent an email to the mortgage company on XX/XX/2021, with a screenshot of our bank transactions showing that the XXXX payment had been deducted from our account. The mortgage company responded and asked for our bank statement, which I sent to them the next day ( XX/XX/2021 ). 
After ZERO response from Mid America, other than continued letters of default, we called Mid America on XX/XX/2021. We explained the situation, and they found the statement I had sent back in XXXX, but they needed more info from the bank. So I called XXXX XXXX immediately and got the transaction number and the date the check was cashed for the XXXX mortgage payment. I immediately called Mid America back and gave them the information, and I was told they would get back to me within 2 business days. We have heard NOTHING from them, and it is now almost a month later. Our account is still showing that we are a month behind on our mortgage payments, and consequently, our credit scores have been severely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Goldman Sachs, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I started this Goldman Sachs accounts Apple card account online, I never received this card, leave alone any statements or bills. I did not have possession of the card. 
Later I found that I had been marked late for a XXXXcent charge on my credit report. 

When I called Goldman Sachs Apple card, I was told that my account was automatically linked to my XXXX  XXXX app store, and that I was prompted for this when I was setting up this account. 

I certainly did not authorize this, and if it was done, it was in the fine print that a customer can not even see. 

This late payment has destroyed my credit, I was about to file suit against Goldman Sachs, who have refused to remove the late payment.

As a last resort prior to taking legal action, Im submitting this complaint to see if Goldman is willing to resolve this matter by remove the late payment from my credit report. 

Account information : Account number : XXXX Open date : XX/XX/20 Balance : {$0.00} Remedy : remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, Bank of America charged me {$900.00} in checking account maintenance fee over 3 years ( {$25.00} X 36 months ) on an account that I didn't want to open in the first place. This was an account I never used in the last 3 years. The terms of the account fees and services were misinformed at opening time. At opening time, Bank of America assured me that keeping a high balance savings account will waive any checking account fees and this condition was satisfied. Since I was told there would be no fee on all my accounts so long as I keep high balance in my savings account, I never expected any monthly fees. Since I never needed this account in the first place, I never paid any attention to it nor did I used it. It was only recently by chance that I realized I have been charged over {$900.00} in fees over 3 years on an account I never used. 

I believe Bank of America either intentionally misguided me into opening a second checking account without disclosing all the financial obligations or they were confused themselves and thus were unable to explain accurately the financial obligations to avoid account fees. In either case, I was persuaded into opening a second account even though I didn't want it. I only opened it because there would be no account maintenance fees. I would never have opened a second checking account had I been informed that I must pay any fees to maintain it. Bank of America informed me that they will continue to charge $ 25 monthly fees to this account going forward, despite my request to 1 ) refund all the {$900.00} fees, 2 ) close this account after the refunds are processed. To avoid monthly fees during this dispute time period, I added additional funding {$5000.00} to this account. But please note that this was purely for the purpose of avoiding paying additional fees. ( However, I found on on XX/XX/23, another {$25.00} fee was charged to my account. ) It was not my intent to agree with their decision or to actively use this account. I believe BofA 's failure, intentionally or negligently to accurately inform me the monthly fees schedule was the sole reason why this unwanted account was opened. Had they fully and accurately disclosed all the information at account opening, I would not have been misguided into opening this account. As verified by the lack of active activities on this account, it was never opened with the intent to use. I insist on a full refund of all the $ 900 monthly charges. It is egregious of Bank of America to misinform customers to open accounts never used only to charge {$900.00} account fees over 36 months and claim innocence for this practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hey on XX/XX/2021 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 32 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 32 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