vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2021-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.

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 2021-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2021-09-14 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: MS

Complaint narrative:
XXXX XXXX XXXX is contacting me repeatedly Ive sent them a letter on XX/XX/XXXX to ask them to validate the they still continue to call me and leave threatening voicemails and didnt validate it. They are calling from different numbers and leaving different numbers to contact them on my voicemail. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX leaving different contact numbers on the voicemail. They dont ever say the name of the company. I search the number on XXXX and found the name. They sometimes even say they are PRG on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXX Bank on XX/XX/XXXX. ... ... ..... 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end ... ... ... ... ...... 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: LEXISNEXIS
State: MO

Complaint narrative:
I've emailed LrexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and today. I have provided them with all my personal information and nothing has changed. This is the company below. 

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: OR

Complaint narrative:
I sent to RMP Services LLC, a debt validation letter on XX/XX/2021, via USPS and email, and requested to be sent, in writing, about the validation of this debt. I have received no information regarding the validation or the correctness of this account. I hearby am requesting an inquiry into this account in hopes of it being removed from my credit report, due to them not responding to the validation letter. I will upload a sent copy of the validation letter that was sent out to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in XXXX I applied for a Wells Fargo loan that was $ XXXX by accident, I didnt mean to since thats too much money and my credit lowered ten points then last month for XXXX my credit score lowered by eighteen points because I couldnt log into my Wells Fargo account on the mobile app so I thought they closed my account and I opened up four more accounts by accident so I had now in total six accounts and I had to go to my bank in XXXX to close four account each checking and savings and keep my original checking and savings, it was just an accident so may my main XXXX credit score go back up eighteen or ten or both,

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 2021-09-14 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Someone order credit cards as well as got a car loan in as well got a whole bunch of hospital bills in my name they as put me on the check fraud list know its not lettin me open up a account I need this remove so I can start on the right path

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I do not owe this debt. Company agreed to delete this account once paid yet it is still being reported on my credit as a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

5. Identity Theft XXXX SYNCHRONY BANK Account Number : XXXX This is not mine.

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 2021-09-14 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-14 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX CAPITAL ONE BANK USA N A  Account Number : XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-14 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: Chime Financial Inc
State: OH

Complaint narrative:
I paid for an item using XXXX XXXX ( a XXXX company who partners with XXXX ). It is a buy now pay later service. 

I was charged {$42.00} on my Chime credit builder card towards this purchase and the merchant then cancelled and did not fulfill the order. 

XXXX, XXXX XXXX and XXXX refused to refund me. The mechant refused to cancel or refund. 

Chime refused to initiate a dispute. 

Chime was provided with the merchant cancellation and all relevant details but continued to give me robotic non-replies, refusing to initiate a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MD

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I do not owe this debt. Company agreed to delete this account once paid yet it is still being reported on my credit as a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: VA

Complaint narrative:
My account still shows a XXXX  XXXX XXXX XXXX  as " open '' although the loan was paid off XX/XX/2021. 
I filed a dispute, but their website was unable to upload my payoff confirmation letter. 
I then called Equifax, but was told that they are unable to accpet documentation submitted AFTER a dispute is filed. 

Complaint : Equifax 's policies prevent a consumer from submitting documentation in order to resolve a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
bank of america az XXXX XXXX is responseable for opening a 2nd account when under there policy a customer is only supppose to have one account, they funded this account and allowed for another individual to compermise this 2nd account now im out of over XXXX plus and they will not take reponseabilty for what they created and caused while i was hospitalized for XXXX. i have filed a claim about this whole sittuation and they still to have make right on there end.there is multiple sittuations all over the news in multiple citys and states the same company has done this to multiple individuals this is really sad to kno that a bank such as bofa is responseable for multiple sittuations and have done nothing to correct it there are familys going homless and hungry because of this and they need to make it right .please help me fix this whole sittuation and be reinbursed for my money ive paid taxes on.

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 2021-09-15 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Suntrust XXXX Truist purchased my loan from rocket mortgage. The mortgage was transferred effective XX/XX/XXXX. 

I set up an account on their website on XX/XX/XXXX to make the payment but the pay link tells me I am not allowed to make a payment on the website. 

I called their service number ( XXXX ) on XX/XX/XXXX and and waited on hold for 35 minutes. I talked with a representative named XXXX who told that they would not be able to accept my payment because the account is delinquent. I was told that I could make a payment by calling them - and she gave me the exact same number that I had called before. 

I never personally established a relationship with Truist and they are now making me jump through hoops to pay my mortgage. They are in violation of the 60 day service transfer grace period and clearly dont have the operational capability to be purchasing mortgages from other banks.

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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This is a complaint for making false statements in regards to my complaint through CFPB ( A FEDRAL AGENCY ). 

1. You claim the picture that was sent to you on this complaint was not visible which is false. It is so false that the USPS read it so clearly they gave me another proof of delivery showing that they delivered my correspondence ( payments ) to your XXXX XXXX XXXX not XXXX as you falsely claim ( see proof of delivery ). So you are either claiming me and or USPS ( a FEDRAL AGENCY ) making false claims or YOU are making false claims which is a federal offence. 

2. You claim the correspondence ( payments with 2 checks ) I sent to you XX/XX/2021 ( XXXX ) was magically received on ( according to you and Rushmore Loan Management ) on XXXX XXXX ( with no evidence ). Again another false claim since the proof of delivery proves that this correspondence was delivered on XX/XX/2021 at XXXX XXXX. at your XXXX XXXX XXXX signed by whoever you have there. So you are either claiming me and or USPS ( A FEDERAL AGENCY ) making false claims or you and or Rushmore Loan Mgt. are making false claims which is a federal offence. 

3. You claim to have received only one check # XXXX and not two checks through this correspondence? Again this is a false claim since picture taken at Post Office in day of ( XX/XX/2021 ) correspondence being mailed ( XXXX ) to Rushmore Loan Management clearly shows 2 checks # XXXX and # XXXX with full amount payments. 

4. Regarding your claim that XXXX XXXX ( who supposedly signed for this correspondence ) does not work at your lock box, lets just say since you have made so many false claims lets assume this is another false claim of someone signing a wrong name or you making another false claim they do not work there frankly it does not matter since all evidence proves that this correspondence was delivered to Rushmore Loan Management at XXXX XXXX XXXX at XXXX XXXX  on XX/XX/2021 and signed by someone at this address through USPS with proof of delivery.

5. Since you have lost my check and or someone stole my check from your address I have put a stop check on check number # XXXX for the amount of {$280.00}. XXXX  therefor you RUSHMORE LOAN MANAGEMENT must pay this amount of {$15.00} to cover this stop payment. 

6. Also you sent a letter claiming you ( Rushmore Loan Management ) would not be adding any late fees since I had proof that I had sent you payment on time and to your address signed by someone there yet you continue to send me statements with late fees ( XXXX and XX/XX/2021 ). You must correct this immediately and send me correct statements with no late fees and you better have not given any false information to credit bureaus. 



I will await for this amount as soon as possible.

Company response to consumer: Closed with explanation