vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: NY

Complaint narrative:
XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am having problems with Wells Fargo who I've paid off the Home Equity Line of Credit, and they will not provide documentation for my lien release. I call every day, and each person does not help and are all very rude.

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 2021-06-29 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: AL

Complaint narrative:
I have mailed several letters to Equifax disputing the child support account they are incorrectly reporting on my credit file. I MAILED THEM OVERNIGHT with certified mail receipts this last time. I have mailed over 5 letters. the account they are reporting is inaccurate. I sent proof that the child is not mine and I don't have any kids within that marriage. I have been divorced for almost ten years and remarried for 3yrs. Equifax failed to verify the account. the account antedates the reporting date by more than 7 yrs. they sent a letter once last year stating that the account was verified, but are unable to provide verification procedures. they have failed to respond to my letters. just completely violating my consumer rights. I don't have this issue with other reporting company just Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Complaint # XXXX XXXX was closed. 
Complaint # XXXX XXXX resulted in an equifax response ( see attachment dated XX/XX/XXXX ) That they could not find me for 3 specific reasons. None of the 3 are even close to being true. I do have a SS # as a XXXX  year XXXX with XXXX XXXX. I do reside within the XXXX and I have applied for credit within a year. equifax can not find me because they alone have changed my date of birth. My question to eqifax is, who supplied this information to change this? Who is the entity? Disclose this. 
Instead the " canned answer is we can not verify you. '' Why not? You have received 5 certified letters with all proof numerus times of correct identity. So find me within your system and answer the question. This is well past 30 days. First notified XX/XX/XXXX and today 's date is XX/XX/XXXX. 
Within the same letter on XX/XX/XXXX ; equifax has me as moving from XXXX XXXX XXXX XXXX, XXXX. This is incorrect as I have NEVER LIVED there. I have disputed this as an error. Instead of fixing the error, you stated I moved. See the attachment that states address change and move date. This is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: RI

Complaint narrative:
I sent my first dispute letter on XXXX but received no response from them. I sent a follow up letter but still there was no response or investigation made. 

There was a credit report I received that showed items reporting some information that is not correct and I do not recognize and authorized. The unverified, incomplete, inaccurate items on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This account was remove from Transunion 2 months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic on the same day i got approved for my car loan. 
I have requested XXXX to please provide proof of me giving then my signature for this credit card. My request is for Transunion to delete this account one and for all from my credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Loan Type : CREDIT CARD Revolving Account Balance : {$12000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$12000.00} Past Due : {$12000.00}

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: GA

Complaint narrative:
Debt was paid off in 2019. Should be removed from credit file and dispute removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: VA

Complaint narrative:
Revco Solutions sending mail to a relative 's address in my name, which is not my mailing address. Company has the mailing address and a debt consolidation company which currently working with. In XX/XX/2021, Revco Solutions sent mail to the correct mailing address in XX/XX/2021 and XX/XX/2021 mail was sent to relative 's address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: DE

Complaint narrative:
I have been charged with owing money because someone used a credit card issued at Best Buy through Citibank in the amount of more than {$3400.00}. This was from XXXX. I have not had an account with Citibank since the XXXX and have never had an account with Best Buy. I have contacted Citibank and Best Buy, and both have no information about me, but the debt remains on my record. Neither Best Buy nor Citibank is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through Costco has asked me to file this 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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I contacted XXXX XXXX of XXXX XXXXXXXX XXXX in XXXX to inquire about a refinance into a construction loan situation so that I may build my parents a home in a seperate dwelling located on my existing property. XXXX weeks prior to closing ( and after subpar communication regarding lending fees, timelines, etc ) I am contact via email by XXXX stating that she was going back and forth with her underwriters and had no idea that her company could not support such an investment. 

My credit has already been considered Permits have already been paid I have a contract with the construction company based off of XXXX misinformation. 

Horrible situation to be in, now I am jumping through hoops with no support from XXXX XXXXXXXX XXXX, XXXX could only sheepishly send out an email to me with an elaborate " Im sooooooooo sorry ''. Extra letters dont fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I am in the process of refinancing my current home loan that I have with AmeriHome mortgage but I am refinancing with another company because AmeriHome mortgage turned me down for a refinance. I have called AmeriHome Mortgage requesting documents needed so I can send them to the mortgage company I am trying to refinance with but after many calls and them telling me that my request has been submitted and it will take 24 to 48 hours. It has been over a month since I requested the documents and I still havent received them. I gave them a fax number to send them I asked them to send it to my portal and also mail them to me but seems like they are refusing it send it. The documents I am requesting are the partial claim agreement papers they had me to sign when I went into forbearance during the pandemic. I told them this is needed in order to refinance my loan. They had their chance to refinance me but turned me down due to credit so I went to another company who said they would refinance my loan. I think its really unfair that they are doing this cause they have already increased my mortgage payment from {$1200.00} a month to {$1300.00} a month saying something about a shortage. I cant keep paying this so Im trying to take advantage of the low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: AL

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

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

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

4. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

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

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

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
On XXXX I started purchase of automobile motor from XXXX XXXX XXXX for a payment of XXXX from my debit card ending inc XXXX from USAA. Later I used my credit card ending in XXXX from USAA for XXXX on XXXX. Total amount paid by this date was XXXX. I have never received my motor and have yet to have a refund for this fraudulent transaction. I no longer wish to be a consumer in XXXX until this is solved. Please help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
There was a settlement agreement with previous debt collector. Need to have debt expunged from my credit file and derogatory account 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 2021-06-29 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: OH

Complaint narrative:
In XXXX of 2021 I reached out to a young lady on XXXX  who " runs a credit repair business. '' I've since found out it was fraud and she's been applying for credit in my name consistently since then. I've since submitted requested documents to get 4 hard inquiries removed and called in to be hung up on twice when I was supposed to be " transferred. '' Then to be told they want me to keep refiling a police report every 90 days for the same fraud case which can't be done for the state of Ohio. This is beyond ridiculous how easy it is for people to ruin your life and these credit bureaus just don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
Last year my email account was hacked. When i changed the password and regained control, i began recieving bills in the amount of {$160.00} from XXXX about a power XXXX ticket. I contacted XXXX XXXX and spoke to their management to inform them that the ticket doesn't belong to me, my email was hacked, and none of the information on the profile is mine. XXXX XXXX management assured me that it would be dismissed. Now some time after, True Accord is harrassing me for the same {$160.00} that i don't owe, i sent a debt verification letter and they sent me a document with the wrong name, wrong address, only proper email ; Not to mention they responded later than 30 days which would cause the debt would be deemed void ; attempting to collect a debt that isn't mine with the wrong information. I'd like the company to stop harrassing/threatening me and my credit, dismiss that fee as management said because they understood it had nothing to do with me on my part. True Accord doesnt have any documentation with my signature connecting me to any agreement from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: PA

Complaint narrative:
I want my fraud 2 inquireys iff for XX/XX/XXXX and XX/XX/XXXX. 

Then take off illegal reporting for last 4 years on my XXXX credit card for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/21 my son was scammed on XXXX and deposited and wired money which was all fraudulent. He notified BOA soon thereafter and they open a fraud case and froze his account. Unfortunately my wife is co-signed on that account and they froze all of the accounts she is signed on a total of 9 including our personal account since XX/XX/21. We have called5-6 times waiting for this to resolve but they will not release our funds - milk, mortgage, car they have frozen XXXX dollors

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 2021-06-29 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: FL

Complaint narrative:
The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, Experian, XXXX and 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 2021-06-29 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation