vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. XXXX and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: SC

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment on it. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong 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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
Hi I was working on my refinance and agreed to the loan estimate for costs and expenses for about 6 weeks now, when we are about to close the lender sent me a loan disclosure with more than $ XXXX in the money to close please see the details below Lender credits changed from {$3300.00} to {$1500.00} The appraisal fee should be removed ( {$490.00} XXXX without cut that from the cost. 
Daily interest changed from 15 daysXXXX to 8 days I didn't see it make the cost go down?!! 
Pulse the property tax of {$3700.00} which is paid off two months ago. Still asking for it. 
The closing cost changed from {$30000.00} to {$40000.00}. 
I been trying to reach 5 people from this company but no response The company name is : Intercontinental Capital Group. 
My name is XXXX XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On the XXXX of XXXX I received a correspondence from BMO Harris Bank reference information on my account. An account I never opened. I contacted the Bank today, the XXXX of XXXX, and cancelled the account. 
The account was with BMO Harris Bank N.A., XXXX. XXXX XXXX, XXXX, IL. XXXX. The Statement Period is XX/XX/21 to XX/XX/21. Deposit Account Summary Previous balance XX/XX/21 balance XXXX Ending balance XX/XX/21 XXXX No deposit activity during this statement period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
What is this complaint about? 
Fraud called for debt collection. 

What type of problem are you having? 
Keep calling me and terrifying me. 

What happened? 
This call tried to scare me that I owe the Bank of America an amount of {$3600.00} that I never open an account. However, they have my name on record. 

What company is this complaint about? 
XXXX XXXX from XXXX, NC. It aimed that from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to close this account for months now due to a companies taking out payments out of my account without my permission which is the same thing that Wells Fargo credit card company did to me as well they put me on auto pay when I did not request for that to happen so since this was happening I reached out several times to customer service reps to try to get them to refund the first overdraft fee and close the account down and the service fee so that way this would not continue to happen they denied my request over and over again they have helped me in the past but they are still denying my request saying that I am trying to bring the parts account to a positive status and close it without accumulating further charges Wells Fargo is causing me to go further and further in debt by keeping an account open that has no activity on it and charge me a service fee and overdraft fees for an account that has no activities on it I would like for this account to be closed and all of these unnecessary charges to be erased thank you. I have spoke to several several customer service reps has been escalated supervisor complaints have been written and I am not getting anywhere with this company.

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 monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received an email saying that my credit score had dropped 45 points which is very odd considering I have always been consistent with payments. I with into the app and it said that an account was open XX/XX/XXXX but I havent opened an account. The account was from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: CA

Complaint narrative:
I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 55 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I called the companies last week XX/XX/21 and they said there was nothing that they can do.I also called and put a freeze on my credit. Someone has been applying for credit cards and accounts using my information. Like the bank of Missouri for example I dont even live in Missouri!!! Please help me take these inquiries off my credit it dropped my credit 83 points! Also companies like capital one several times and XXXX credit card and XXXX XXXX XXXX  a loan office. Please help me to take these off I did my part and contacted all companies and also sent letters. I was told theres nothing they can do to help me fix this. So this is my last and only hope! Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX advertising of my vehicle warranty being canceled/expired. Mail was made to look like a subsidiary or partner of XXXX. After I paid for " extended warranty '' I discovered it was a scam. I called to cancel, and the company tried to deny my right to cancel the policy. The representative " XXXX '' kept questioning me and trying to stall when I asked to cancel. When I told him to stop questioning me, be became aggressive and argumentative. I asked to speak to a manager, and he continued to argue. I said they were fraudulent, and that I would contact my credit card company and flag the transaction as fraudulent, as well as call my attorney. He then put me on hold for a manager, then came back and said one was unavailable, but he submitted the policy for cancellation and refund. He said I would get a call back from a manager to finalize the cancellation. I asked for a confirmation ( a number or email correspondence ) and he rebuttaled that the call was the confirmation. I said I would wait on hold until a manager became available and XXXX said they had no way to put me on hold, even though he had just put me on hold a few moments before. I have not received a call back from a manager yet, and I have no proof or confirmation that the warranty policy has actually been canceled and the refund has been issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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:
There is inaccurate information posted on my credit report with Experian. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. Experian is violating my rights by continues to report inaccurate information to my credit profile. 

First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified Third Request : Certified Mailed XXXX XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. 

1. Who verified these accounts?

2. How were these accounts verified?

3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If you UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately Experian has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
To whom they may concern, Calvary has reported me to all three credit bureaus on XX/XX/2021 claiming me owing them $ $ before they validated the debt. I received the validation letter on XX/XX/2021 dated on XX/XX/2021 from Calvary as attached. Based on the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), the debt collect agencies supposedly give the consumers 30 days to respond and validate an assumed debt. Calvary failed to do so. They assumed that i owe them such debt that Im not aware of. 
1. I will be writing a letter responding your XX/XX/2021 letter to request for validation of this debt. 
2. I will file law suit against Calvary in the IL small claims court And state attorney general, if they still refuse to remove the negative reporting from my credit report.

It is against the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), that assuming such debt before the validation process. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Nelnet, Inc.
State: WA

Complaint narrative:
NelNet Loan services purchased my ( 1 ) one student loan and during this time has been reporting to my credit inaccurately. The credit report shows that a payment has been made each month but then the overview states that the last payment was made in XX/XX/2019. NelNet is also duplicate reporting with ( 2 ) two different loan numbers but almost the same payment data. Having 2 student loans is bringing my score down, not to mention the fact that they are reporting this late as well. To be clear, I have only ONE student loan. I am not a co-signer on any other student loan obligations. 
I have disputed this thru XXXX XXXX and XXXX  XX/XX/2019 and they state it is accurate. I am trying to buy a home and this loan is hindering these possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CORELOGIC INC
State: FL

Complaint narrative:
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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CREDCO inquiry XXXX. XXXX, 2020 XXXX inquiry XXXX. XXXX, 2020 XXXX XXXX XXXX inquiry XXXX XXXX, 2020

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