vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I received pre-approval for a mortgage loan with Navy Federal Credit Union on XX/XX/2021 and I yet to receive the loan estimate that is required by law under TILA-RESPA to receive the documents within 3 days of being approved. Today is XX/XX/2021 5 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax XXXX XXXX and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am making a claim against Bank of America XXXX XX/XX/XXXX, I found an add on line On XXXX for a rental place in XXXX XXXX Fl. 
I contacted the person through email and I made a few advanced payments for a rental place through XXXX from Bank of America for the following amounts on the following dates. 

XX/XX/XXXX in the amount of {$1000.00} XX/XX/XXXX in the amount of {$2800.00} XX/XX/XXXX in the amount of {$3500.00} He gave me copy of the rental agreement with a copy of his driver license. The place was also advertised on a different website that looked legit, but it was a scam. 

I gave him copy of my driver license se and the social security number. He told me that I can not see the place before I rent it because there was Covid and he had to clean the place. 

On the XXXX of XXXX, I went to check in and the person at the front desk told me that the apartment t does not exist, and that is not for rent and there were other fraudulent activities with the same name. 

I called the police and I made a police report on the spot. The bank was closed, so I could not report the same day fraudulent activity, so next day in the morning I reported fraudulent t activity immediately. 

The XXXX police report is case number XXXX XXXX XXXX XXXX has never made any progress with the investigation. 

Next day, on XX/XX/XXXX. I called Bank of America and I made a claim for fraudulent activities and scam. The Claim number is XXXX XXXX. 

They told me that I would be able to get my money back within 45 working days, but nothing has been solved as of yet. 

At the beginning of XX/XX/XXXX, it could have been on XX/XX/XXXX, I made an FBI report for scam and internet fraud, and I have never heard anything back from them. 

On XX/XX/XXXX I made a claim against XXXX through XXXX XXXX XXXX and the answer was that they were not responsible for the scam. 

I called Bank of America and they told me that the receiving bank was XXXX XXXX. 
I spoke with a representative from XXXX XXXX and they told me that Bank of America Is suppose to resolve this issue. 

Unfortunately, this Issue has not been solved. I lost my house due to Covid 19, I lost my business, I have {$0.00} income and I am struggling. 

These financial institutions are reputable companies and from my side I did everything I could to protect myself. I am making a claim against Bank of America because I believe they are not handling this issue correctly. I am a preferred customer for over 20 years. Whatever money I have left in the account I am planning to close it and move it somewhere else. 

I attached paperwork to back up my claim. 

Please help me resolve this issue ASAP. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX PH XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I sent a letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 



The account has not been removed 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 explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: PA

Complaint narrative:
on XX/XX/XXXX I began writing letters to dispute inaccurate information on my credit report with Equifax. on XX/XX/XXXX I sent them a letter because they failed to respond. In my notice I gave them 15 days to to respond. Still no response. On XX/XX/XXXX I sent another failure to respond notice with intent to file a complaint, and they still gave not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2021, three different lenders attempted to retrieve my credit score from Equifax and they all said that my wife 's information is coming up under my social security number. I called Equifax and they informed me that my account is all the correct information. however, Equifax keeps using my VantageScore to verify my information which mortgage companies do not use. The other companies are using Fico. Fico is giving them an error message that states that the SSN does not match. at this point, Equifax refuses to fix my information in their system. I have called 8 times to date without any resolution. now the customer service representatives are hanging up on me or completely refusing to talk while I am on the phone. this is frustrating because I need to close on my house in two weeks and I can not move forward without their cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TX

Complaint narrative:
remove this : never late : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Original balance {$1500.00} Balance {$1500.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, XXXX remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I closed my bank account in mid XXXX. On XX/XX/XXXX, one my checks was used to be cashed for cash. This account was never even presented the check at my bank, XXXX. They immediately gave the person the cash and then didn't even contact me and sent me to collections- Complete XXXX XXXX, XXXX XXXX It hadn't even been 2 weeks and they sent me to collections. Then I found out that XXXX XXXX XXXX said I wrote a check at XXXX? They told me it would go on my credit report if I didn't pay {$68.00} immediately. 

After much research, I realize I have been swindled and I am reporting XXXX XXXX XXXX, XXXX. 
https : 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 2021-04-16 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet or it sister company have not been truthful about my interest rate or ability to qualify for the public service loan program over the years when I was denied. They have also been devious in terms of switching my loan between their two companies in order to make repayment more difficult by changing the manner in which the funds are applied to the loans. 

When Nelnet sent me documentation, they admitted they have been charging me at a rate of 6.13 % instead of the actual rate which was 5.875. 

When my payments began I had already deferred my loans for approximately five years while working in a XXXX XXXX because I could not afford to pay them, and I was told I did not qualify for the program. Great Lakes accepted my loans when I was on XXXX XXXX XXXX in XXXX. At all times from the day I began paying Great Lakes until XX/XX/19 I was employed at either a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and/or by the United States XXXX. I was denied on several occasions the ability to qualify for the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: United Revenue Corporation
State: TX

Complaint narrative:
I sent a dispute letter to XXXX  on XX/XX/15 regarding charges for United Revenue. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute XXXX confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute letter to Experian on XX/XX/15 regarding charges for XXXX XXXX. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute Experian confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.

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 2021-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX XXXX  XXXX about the secure credit card that was closed for {$66.00} due balance the account was opened XX/XX/2017. I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. I have already gotten this account removed from my XXXX  consumer report I am now asking that this be forwarded to Experian so that it can be removed from my consumer report from Experian.

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
On XXXX XXXX, 2019 I went in to speak with the property manager at the club at XXXX XXXX to advise them that I had taken a job out of state and that I would not be renewing the lease and wanted to know what needed to happen for move out. I was advised that if I were able to leave by XXXX XXXX, 2019 they had someone who wanted the apartment and I would not incur any additional costs. I began the process of move out and was out of the apartment by the agreed upon date. I attempted to contact the property manager to get the keys to her and she stated that she was showing apartments and I should bring her the keys the following day which I did. The property manager asked for an address at my new residence so she could send me the final bill for water and trash removal and I was verbally advised that this amount would be the only thing that I owed ; however, I ended up with a collection account for rent that was not owed per the verbal guidance of the property manager. I never received a bill. I have sent all of my supporting documents for the move out to the property in an attempt to resolve this concern ; however, they will not communicate with me. On XXXX XXXX, I went to my XXXX XXXX and attempted to apply for an auto loan at which time I was turned down for credit.

Company response to consumer: Closed with explanation