vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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: OK

Complaint narrative:
Hello I have for the past 2 years tried to correct a problem with Equifax credit services, they have been reporting me as Deceased and not providing me a credit score. I have sent Certified documents to include birth certificate, drivers license and copy of my social security card to prove I am not dead or deceased.They consistently tell me they have all the documents they see the documents but they have not fixed the problem mentioned above and that it is the lender doing this not them The problem I have is they are reporting all my credit accounts, but not giving me a score on a month to month basis they also have addresses that I do not recognize or have not lived at in over 25 years and I want those removed, I respectfully request your assistance in resolving this problem and that Equifax be fined according to the Federal Trade Commision rules and regulations that govern them, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TX

Complaint narrative:
According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
Experian, XXXX, and XXXX did not remove my late payments on XXXX and XXXX of XXXX with my XXXX XXXXXXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.

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 2021-08-02 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: NH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  including credit bureaus Equifax and XXXX. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.

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 2021-08-02 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:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I authorized a charge on my United Visa card based on a merchant 's promise of a " money Back Guarantee ''. When I tried to exercise that guarantee, the merchant reneged on the offer. I filed a dispute with Chase Credit Card. on XX/XX/XXXX, I received a letter with documentation from the merchant telling me I can respond. I called and was told I had 30 days but sent my response along with proof of the " money back '' offer within 5 working days. I was told that Chase does not have a set time from responses and the charge was reinstated. That is a conflict to the agreement where is states Consumer protection against fraud. How can there be consumer protection when the consumer is not allowed to present proof of the fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I asked on XX/XX/XXXX over the phone with NewRez to get three months forbearance due to COVID and recently being diagnosed with a XXXX XXXX XXXX and needing treatment thus having to stop working for 3-4 months. They told me I would have to call back in XXXX to get help with this. Ill be in XXXX XXXX XXXX in XXXX and would like to set up forbearance before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We have a XXXX XXXX car lease which has been returned and paid off on XXXX XXXX. But all 3 credit report bureau including Experian keep showing the account is open and there is left over amount of {$120.00}. We called XXXX multiple times, every time they say the account has been closed and the info has been reported to credit bureau, but Experian keep saying the the account is still open and refuse to update the credit report. Even when we submit written notice from XXXX confirming the account has been closed and paid off.

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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/XXXX - Received an email from XXXX XXXX about a XXXX bill owed from XX/XX/XXXX, and was charged off XX/XX/XXXX. 
XX/XX/XXXX - I sent them a letter asking them to verify this debt, and if they could not then they would reimburse me for any money I spent through correspondence via certified mail, which they received on XX/XX/XXXX. 
XX/XX/XXXX - I sent them another letter because they had not responded but later realized they responded on XX/XX/XXXX, which I did not receive until XX/XX/XXXX. The verification they sent was from a XXXX bill dated XX/XX/XXXX, that stated {$0.00} for total current charges, addressed to a name that is not mine, and an address that is not mine. 
XX/XX/XXXX - I sent a letter of default and an affidavit because they failed to verify their claim that this was a debt that I owed. 
XX/XX/XXXX, & XX/XX/XXXX - I received correspondence that they claimed my response was duplicative and that if I had further questions I could write them again. 
XX/XX/XXXX - I sent them a cease and desist letter telling them to stop all communications with me due to their lack of claim against me. 
XX/XX/XXXX - I received the exact same letter as I did on XX/XX/XXXX, and XX/XX/XXXX, except this time said if I do not answer they will send this account to active collection against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We bought a house in XX/XX/2021 and sold our old house in XX/XX/2021. Our mortgage is held by Mr. Cooper. On XX/XX/XXXX our bank ( XXXX XXXX ) created a cashier 's check for {$250000.00} and XXXX it to Mr. Cooper. Mr. Cooper received it on XX/XX/XXXX. The money was never deposited into our mortgage account on that day. Mr. Cooper said they lost our check. It was found 9 days later and they attemped to deposit it on XX/XX/XXXX. In the meantime, our bank put a stop on the check. Mr. Cooper needs to sign an affidavit stating that they destroyed the check ( I was told they did this on the phone ). We just received a letter from them stating they will respond in 30 days. In the meantime our {$250000.00} is in limbo. It isn't in our bank account because Mr. Cooper won't acknowledge that they lost our check, and then that they destroyed it. We can't get access to our money until they do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: KS

Complaint narrative:
On XX/XX/10 i reached out to TransUnion, XXXX  and XXXX  regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by 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 2021-08-02 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: NJ

Complaint narrative:
review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

8. Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX  and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.

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 2021-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contact bank of America about 5 times before i could have any access to the funds been deposited by the EDD department on a pre paid car or checking car they hold the fund for about 3 weeks with some type of unknown policies they also have a limit to withdrawal, a XXXX at the time and not more than {$3000.00} thousand in thin ( 7days ) in the branches they do not accept my California ESTATE DL SUCH A VALID IDENTIFICATION AND FINALLY THEY ARE NOT GIVING CREDIT FOR THE DEPOSIT MADE ON XX/XX/2021 AND XX/XX/2021 AT ALL AND ( CALL EDD BACK AND FOR FOR A LIST 2 WEEKS AND THEY STILL HIDING THIS DEPOSIT DO NOT SHOW ANY FUNDS AVAILABLE AT ALL ( THE EDD ALREADY DEPOSIST THIS FUNDS AND FOR SOME UNKNOWN REASON NO ONE IS AVALIABLE TO DISCUSS ANYTHING AT ALL on the phone they limit to respond call EDD we do not have access to your account and he have no deposit ( i call the EDD and they said we already make credit to your account check with the bank and still having the same response i need your help to ( i try to register my card on line and I am not allowed because my ss number is wrong I still wandering what can i do to recover my funds and have access with no hold and no limit at all. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
EXETER FINANCE is report account as current and also as I charge off/collection account how can an account be current and a charge off. also reporting different open dates and last date of payment. this company is reporting inaccurate Information and hurting my credit rating PLEASE REMOVE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, I called transunion to dispute charge off that is over 7 years old and should be removed, they are telling me they checked with XXXX  and they reported this XX/XX/XXXX, XXXX has no record of this and this is charge off from over 7 years ago, i told them again this is charge off and over 7 years ago and should be charged off and XXXX has no record of them checking and XXXX  does not have my records since it has been over 7 years ago, i have open dispute with transunion on this item, they still need to remove both items in dispute, over 7 years old

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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
After an exhaustive search for my missing second stimulus check from XXXX to late XXXX, XXXX, I was informed by the IRS that the check has been deposited into our checking account with my social security number in XXXX XXXX  in XXXX Ohio. Over the next couple weeks I was not able to successfully make contact with or get a response from XXXX  until I made a complaint with the XXXX XXXX XXXX of Ohio. It was in then they we were informed that it had been transferred to a US bank account in my name per instructions from the IRS. The IRS indicated their records showed that the check was still in XXXX  checking account. Keep in mind, from XXXX to mid XXXX there have been several contacts with US Bank each time we were informed that they have not received the check because the account has been closed and would have had to send it back to the IRS in a timely manner. Important, because it will still take another 6 to 9 weeks for the IRS to mail it to me. So then a call was made to US Bank ( mid XXXX  ) AFTER XXXX  statement, we was then told they did receive it and deposited into my closed business account. The account had been closed since XX/XX/XXXX due to fraud by my ex spouse Im a single parent and small business owner requesting the return of my monies asspnn

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 2021-08-02 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: OK

Complaint narrative:
Last month i sent out some documents to TransUnion, XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.

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 2021-08-02 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: TX

Complaint narrative:
According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, Transunion, and XXXX  did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.

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 2021-08-02 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: TX

Complaint narrative:
According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, XXXX, and Equifax did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CT

Complaint narrative:
Experian has been reporting a XXXX XXXX Student loan on my credit report which has passed 7 years from the date of delinquency. the date of delinquency occured in XX/XX/XXXX and should have been deleted of my credit report in XX/XX/XXXX. It has been over 3 months and repeated attempts to get this removed from my credit report on experian has failed.

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