vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, SYNCB/TJX CO DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account Resolution has placed an unpaid medical collection account on my credit reports. On numerous occasions, I've requested proof of debt, a statement or breakdown of charges/fees owed from the hospital, and/or contract bearing my signature yet ARS have provided nothing of the sort. I received a response letter to my request simply stating my name, social security number, an amount owed of {$1600.00}, and the name of the hospital which is inadequate. I do not recall this particular hospital visit and is simply requesting adequate proof that can substantiate the alleged debt so that I may review all the charges to ensure that they reflect the services I allegedly received. This matter is seriously injuring my credit profile/scores, in the midst of a pandemic no less.

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 2021-03-01 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: NY

Complaint narrative:
In XXXX of XXXX, I reached out to Wells Fargo to dispute a closed credit card account with them. I spoke with a representative to explain that I didn't open a credit card with them while I was in college in XXXX XXXX in XXXX, especially due to the fact that my school provided more than enough financial resources as a full scholarship student. I disputed their claim that I ever owed them money much less opened a credit card with them. I also requested a copy of the contract they claimed I signed to open the account, which an employee agreed to do. 
After a month without receiving said " contract '', I reached back out and got a run around from department to department. Once I spoke with someone, I reiterated that I never open an account, I'm disputing it for removal from my account, and requested that they once again send me a copy of the " contract '' I apparently signed. I also noted to employees this time around, that this happened during the time Wells Fargo had been opening fraudulent accounts, dating back to XXXX. I reassured I wasn't placing blame on the employee, but got them to acknowledge that my dispute falls in the timeline of Wells Fargo 's illegal fraudulent activity. The opened a dispute and once again said they would resend the contract. In XXXX, I finally received a XXXX C from Wells Fargo that XXXX the debt, but however still said I was personally liable for the debt. As of today, all credit bureaus ( XXXX, XXXX XXXX XXXX  XXXX show a Wells Fargo account under closed accounts in my reports for a card I never opened.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CO

Complaint narrative:
Monday XX/XX/XXXX STILL ON HOLD since XXXX its now XXXX my first answered call from XXXX  she was going to transfer me to ACCT rep XXXX and I repeated a number of time you transfer me you stay on the line till some one answers- She Transfered me and the line broke off THIS HAPPENS A LOT so back on the phone for a 93 minute WAIT WHAT WRONG my STATMENTS each a every month= for the last 6 month XXXX has finally sent me in my payment review for all of 2020= and it shows the LATE PAYMENT OF {$150.00} now this STATMENT AGAIN IS another {$150.00} in late fees IF I PAY THE LAST three month in late payment ( EACH of {$3500.00} ) that is {$10000.00} plus 4 late fees {$610.00} -- PAST DUE FEE of {$950.00} - total ( {$12000.00} ) THAT STILL IS NOT MATCHING WHAT THE STATMENT SAYS {$20000.00} and that I what I need for some to pay attention to '' '' '' '' and CALL ME by a MANAGER of GREGORY FUNDING THAT UNDERSTANS MY ACCOUNT ALL I GET FROM THE REPS ON THE PHONE IS DO NOT PAY ATTENTION TO TH STATEMENT JUS PAY WHAT YOU ARE SUPOSTE TO {$2400.00} and everything will be all right -- - NO SUCH LUCK -- GREGORY FUNDING at the end of this work out program is going to STICK ME with all the late fees and interest and a whopping $ XXXX bill to get current I want a written statement from GREGORY FUNDING ITS NOW XXXX still on HOLD AT GREGORY FUNDING-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. I demand that you remove following inquiries immediately. 

XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX I demand that you remove following inquiries immediately.

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did some work for a company and they wrote me a check, I deposited into my account and after a few day I found out that the check was no good so they closed my account as if I was being fraudulent and I am the one who was scamed. I have all my personal bills coming out that account and my social security deposits every month. I have been with them for about 3 to 4 years and never a problem.

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 2021-03-01 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a wrong account " American Express '' on my XXXX  credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company XXXX  twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company XXXX  and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a third party collection department named " XXXX '' for settlement 100/100 calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my XXXX credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-03-01 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: KS

Complaint narrative:
Since XXXX of XXXX I have been dealing with Equifax and the incorrect reporting on my credit report. My latest efforts On XX/XX/XXXX are in response to my request for validation under the FCRA 809 ( B ).

Per my rights under FCRA 611 ( a ) ( 7 ) I am currently requesting a full report of all methods used to investigate and validate my disputed accounts.

This is no longer a matter between the alleged account holder ( company ) and my person because Equifax has taken the responsibility to investigate the validity of these accounts and is representing them as true. When we both know no such accurate validation has been provided to me or Equifax. Not only is Equifax reporting false information, but they are doing so without my permission on my credit report. As a consummer reporting agency Equifax is in violation of several portions FCRA and FDCRA. If it is Equifax position to continue to represnt this inaccurate and invalid information on my credit report I have no recourse but to pursue this matter in court.

I am expecting the full report of methods of validation from Equifax with 15 days of receipt of my request or the removal of all 8 invalid accounts. If I receive anything from Equifax other than the original contract between myself and the account holder on my credit report the accounts should be removed immediately by law. My notice was received by Equifax on XXXX XXXX XXXX. Thererore, this matter is to be resolved by XX/XX/XXXX. 

I have personally written and mailed all my letters and done my own filings myself and have had Equifax responds by saying they do not believe it is me. I have provided them on numerous occasions my ss card and drivers license. If their reponse to this complaint is a stall tactic like that it will be taken as failure to repond to my certified notice and request and I will be forced to pursue them in court for that violation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.

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 2021-03-01 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: FL

Complaint narrative:
XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, XXXX, Transunion .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.

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 2021-03-01 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: FL

Complaint narrative:
XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, Equifax, XXXX .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: KY

Complaint narrative:
Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. 
XXXX XXXX-XXXX XXXX-XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX-XXXX XXXX XXXX-XX/XX/XXXX I demand that you remove following inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was contacted by Midland Credit about a XXXX XXXX account that was opened XX/XX/2017 with a balance of {$1500.00} and I had no ideal I had a XXXX XXXX account and now they are suing me for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: TX

Complaint narrative:
I had a hard inquiry on Transunion that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX XXXX XXXX XXXX attempted to pull my file. I called XXXX @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have XXXX accounts according to their records. Transunion will not dispute without 3 letters, one of which need to be from XXXX, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
We tried refinance our duplex - rental property. We were told 3.5 % with half an point verbally as I wrote down when I first call.. 
We started the loan process, it stared with2 %, then 2.75 %, 3 % ... 
The original estimate closing date was XX/XX/XXXX, then XX/XX/XXXX. then XX/XX/XXXX We start the loan process at end of XX/XX/XXXX, as of today we still have not yet close the refinance, and the discount points keep going up? and the closing cost keep going up. 
I tried to contact and email the loan officer, I basically got ignored and receive no response from ... 

So Here I am filing Mortgage consumer complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial
State: CO

Complaint narrative:
Preferred lease was mailed a check in the amount of {$280.00} for the 90 day payoff on my lease. They kep saying it was not recieved. The check was mailed from a title company as I inlcuded it in my home closing. I kept calling and they said it was not there so my 90 day payoff deadline arrived. I did not want the lease/loan extended with added interest so I paid out of pocket with a debit card because my check supposedly had not arrived. I went back to the title company to have them cancel the check and low and behold Preferred Lease had processed my check on the prior to my debit card payoff. I then requested refund 3X to which I was told is was approved on the XXXX of XXXX and it would go back on my card ending in XXXX. Please pull this phone call it was on the XXXX of XXXX. The last CSR I spoke to on XXXX is now saying it was never approved and can not be returned on to my card. I will attach the processed check, Preferred lease owes me {$280.00}. They ended up firing the manager that was supposed to approve my refund, it was never approved. None of this was ever told to me. I have called 5+ times, and I just want my money back ASAP. XXXX, was extremely rude and condescending I really don't appreciate her calling me a XXXX and saying I did not have a refund.

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 2021-03-01 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-03-01 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: MS

Complaint narrative:
I have requested a method of verification from Equifax XXXX XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
THANK YOU

Company response to consumer: Closed with explanation