vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is my second complaint regarding this issue my account has been frozen for more than a month the citi vip team responded to me asked for my identification I submitted this and never heard anything back from them everytime I call I am on hold for at least 2 hours usually being hung up on or when I do talk to someone they tell me it's another department I have to speak to and put me on hold again this is rediculous I need my money they have no reason to hold it please help me

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 2021-02-20 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: MD

Complaint narrative:
I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.

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 2021-02-20 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: MD

Complaint narrative:
I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.

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 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter that is asking to collect a debt for what looks to be a credit card. The collection is supposed to be associated with XXXX. The card number starts XXXX, which is typically with XXXX. I contacted XXXX because I have only had one credit card with them and they have nothing else under my name or social. I contacted them today, XX/XX/21. I also researched and see that this company XXXX Convergent XXXX generally has a client reference number in the upper right hand corner and this letter I reviewed does not. I received the letter today XX/XX/21. The letter immediately asks for a reduced settlement amount and an apartment number. I dont have an apartment number. The contact number is XXXX and the address is XXXX XXXX XXXX  XXXX, XXXX, PA 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 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXXXXXX at XXXX XXXX Received a Text to my cell number : I do not have any such account. 

Below is the text : ( Pay*PaI.Support ) UnusuaI login has been detected-XXXX Follow Steps : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A unauthorized charge for {$890.00} was made on my account on XXXX which I disputed with my credit card. The investigation made no attempt to contact me for additional information. I did not authorize the charge, have any knowledge of the charge, and did not benefit from the charge in any way. 

I received the results of the credit card services investigation on XX/XX/XXXX stating I received benefit but this is inaccurate. In no way was this charge authorized, I have no idea what this charge was for other than it was from an overseas travel company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: SC

Complaint narrative:
I've been disputing inaccurate information on my Equifax report since XXXX. I've sent in certified mail, previous CFPB compliants, FTC reports, and police reports. Nothing works with this company. Every time I call I'm placed on hold for various lengths, the calls are routed outside of the USA, and the rep on the phone can't find my documents, are just tells me to send them again and wait 30-60 day. I'll attached documents along with this complaint and the previous complaints numbers that went ignored. Please someone assist me in resolving the issues I'm having. XXXX  and XXXX both have been very helpful, and I assume Equifax would following the same guidelines in removing the disputed information, but they must have something on file or abide by different rules. 

Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This letter is a formal complaint that they are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I have contacted XXXX personally and they have not followed up with a response fir the verification of debut and its been 30 days. I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License inside of it. I filed a police report and a identity theft report with the Federal Trade Commission on this matter

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 2021-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a saving account with Bank of America and my balance was slightly less than {$500.00} for some time. The bank started charging me a maintenance fee every month. This was happening without my knowledge until my balance reached {$25.00} then they sent me a statement in the mail. I decided to close down my saving account and cash advanced using my BOA credit card to recover my loss. After this, I cancelled my BOA credit cards. I want you to investigate the illegal activities of BOA against customers like me. I could have easily added a few dollars to bring my balance up to avoid penalty. It is the habit of BOA to charge customers accounts without their knowledge. I explained what happened to BOA customer service but they are not interested in resolving the matter.

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 2021-02-20 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have fail to comply within the 30 day statute of limitations.

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 2021-02-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AZ

Complaint narrative:
Through XXXX, I filed multiple disputes regarding a duplicate entry and wrongful designation of a credit account with Sun Trust bank Loan Account. I tried 3 times to get XXXX  to get Sun Trust to update this account and every time it was reported back as accurate. Finally on XX/XX/XXXX I sent the Suntrust credit reporting dispute department a letter. It outlined all the issues in the report. Including improperly designating it a charge off, for which it was not. They also added a duplicate entry in XXXX, so that it looked like a new account reporting 2 years after it was included in a chapter XXXX bankruptcy by my husband who was the joint account holder. My husband filed for chapter XXXX bankruptcy in XXXX of XXXX. They are well aware of these facts. As of today, 2 full months, and well after both 30 days and 45 days I have yet to here anything from them. They have violated my FCRA rights. 

I have included the letter they were sent on XX/XX/XXXX. As well as screen shots from my report showing it as both a charge off and a duplicate entry with 2 different billing addresses. They have yet to respond after almost 2 full months.

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 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This letter is a formal complaint that they are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I have contacted Target personally and they have a address on file that I have never lived nor used. This false information and address is currently on my credit report and I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License. I filed a police report and a identity theft report with the Federal Trade Commission on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX NewRez claimed they closed my mortgage account but it still showed open on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. Capital One granted me a loan to purchase my used XXXX  XXXX XXXX at an interest of 14.83 %. I have more than 1 year with the credit, I have made all the payments on time. 
2. I applied for a loan refinance for an interest reduction and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2021 I logged into my Chime account through the application on my phone. I transferred {$1600.00} from a recent deposit of a grant I received to pay back rent from my Chime account to my connected XXXX account. I checked for 3 days waiting for a deposit that never came to my XXXX account. This was not my first time transferring money from this account to my XXXX and it was successful prior to the {$1600.00} I transferred. I sent chime numerous emails and chats complaining that my funds have disappeared. They assured me that if the transfer fails it was go directly back to my Chime spending account. I sent chime my pnc bank statements showing that a deposit of {$1600.00} was never received. Chime continues to deny my claim and even said that my evidence doesnt prove anything. I want my {$1600.00} back from chime they stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from XXXX, Equifax, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX . report from LexisNexis is reporting an accident that i was not held responsible for it. i did sue cause i was hurt cause a driver ran a red light now i applied to be an XXXX XXXX and they have denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: OH

Complaint narrative:
Transunion, XXXX and XXXX is in serious violation. They received my XXXX ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes Transunion Criminally liable. Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Transunion written permission/ consent to report anything on my consumer report. No consent means Identity theft which Transunion can be held criminally liable Transunion, XXXX, And XXXX is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2021-02-20 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: Lending Club Corp
State: TX

Complaint narrative:
I reached out to the company by email but have not reviewed any response ... 

I have a personal loan with the lending club, when covid happened I lost my job they worked with me but increased the amount that that i owe by about {$3000.00} attaching on extravagant interest, I still continue to pay.. I contacted them and asked them if I could defer a payment they stated yes, but it would cost {$900.00} to do so on only ( one {$380.00} payment ) so I said no I can not afford anymore internet, I will attempt to pay and they stated on a recorded line as long as i pay my regular monthly payment each month even if it is 30 days behind they would not be reporting late to credit bureaus due to job loss and covid ... however yesterday, XX/XX/2021 they reported to each bureau that i am 30 days late to all my credit bureaus even though I am paying as I said I would ... they lied! Destroying the credit I had worked so hard to build back up!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Please see complaint filed # XXXX which I filed yesterday! Today I received a payment history which shows my original principal balance was {$340000.00}. This is a mistake on behalf of The Money Source, our original principal balance was {$330000.00}. 
They have change our payoff amount to reflect the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is claiming that I owe them {$16000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 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: OH

Complaint narrative:
XXXX, XXXX and Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes XXXX Criminally liable. Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written permission/ consent to report anything on my consumer report. No consent means Identity theft which XXXX  can be held criminally liable XXXX, XXXX, And Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation