vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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:
In early XXXX, upon applying for a mortgage on a newly built home, my mortgage lender discovered an account placed on my credit profile that has caused a severely crippling dilemma in my home purchasing process. According to the account being reported, there is a balance of {$5700.00} on a closed XXXX XXXX installment account. The account appears to have been opened XX/XX/XXXX, and has been delinquent since XX/XX/XXXX. 

Since learning of this inaccurate account information, I have spend several months in attempting to work with the different credit bureaus in disputing this information that is being reported. Although XXXX major reporting agencies have done the right thing and removed this fraudulent account from my credit profile, ONLY Equifax has continued to fail to do so. I have completed various proof of identify forms, filed police reports, as well as typing dispute letters along with my personal identification and mailing and faxing this to both XXXX XXXX and Equifax. After nearly a year, no action has been taken. Even when speaking with representative from XXXX XXXX, I was told that my personal information that i had provided, did not match the account holder information that they had on file, so no further information could be given to me. 

I find what XXXX XXXX is doing is very unfair to me, deceptive and abusive in nature, as this can now cause me to lose a {$60000.00} deposit I placed on the new home. And Equifax is allowing this by continuing to report this account with accurate proof from XXXX XXXX that the account infract belongs to me. Because of the personal information not matching according to XXXX XXXX, I am left with no resolution in this matter. 

I have clearly been a victim of identity theft. I have explained to all parties that I do have the exact same name as my father ( First, Middle and Last ) and our social security numbers are also very similar. Although i do not know for certain who opened this account in my name, I do feel that I have provided enough information to Equifax through several attempts to remove this account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
We bought @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH ( XXXX ) XXXX A Used XXXX XXXX XXXX on XX/XX/XXXX. 

The financing was though XXXX XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX At the Time of close. We were informed our Credit was less than Stellar?? This is the Best we could get?? Denied access to Death Loan Pay Off and or Unemployment Loan Payoff Insurance. This due to our advanced age and poor?? Credit Rating?? 
I dispute this. We have a Rating of GOOD then as now. 
Take it or leave it. This is the only way the Bank will Write this Loan. 
I've never seen a Loan Agency EVER so anxious to repossess a Used Vehicle. Especially one being 8 MY 's old at the time this Financial Arrangement was made. Not even a Rumor or Whisper of such. 

My Wife did receive notifications on why Financial Institutors turned her own for credit Lending. I did EXCEPT for Equf.. located in XXXX, Georgia. Again they insist I am my deceased FATHER. I requested VIA Telephone 4 Times since to have their Reason Why sent to ME. None such as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has frozen my 1,200,000+ miles not allowing me to use them or giving me any reason why, and unable to give me a date they will be unfrozen. I have called their rewards department numerous times trying to get answers - I have been an AMEX member for 12+ years and these points were accumulated over the last year. 

Their inability to give me answers or release my points has cost me over US {$8000.00} in increased travel costs for XX/XX/2021 since I was not able to use my points for the trip.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had accidently made a second deposit on a check on XX/XX/2021 i got from my insurance company for property damages of {$2200.00}. The fund was deducted from my checkings account and the check was never returned to me. I talked to the banker and the issue still hasnt been resolved, or them knowing where my funds go. The insurance company said the check was cashed so they can't write me a new check even though i have a mail saying the money was never cashed. The bank has been holding this fund and nobody knows where it's at. The check was from wellsfargo bank which is also the account i have my bank with. Please help.

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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
JC penny sends me a statement of an account I do not owe or authorize or open. I called the company but was told I am still responsible for the amount.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00} XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 70 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My husband and I had federal student loans from our XXXX and XXXX  education and we needed to consolidate to be able to afford to repay them. We were told Nelnet was a servicer of our federal student loans and so we assumed we qualified for the cares act COVID relief. Once the announcement of the relief was made we stopped paying our loans but just discovered nelnet is reporting our loans as defaulted. When i asked why they said that it was only for people with dept of education loans ( which ours were ) but that nelnet was a commercial servicer. This was never explained to us and seems exploitive since we would have never turned down the benefits and protections of federal student aid. We are now facing default and nelnet has not provided any support of guidance for what we know is a mistake. We know we are not the only borrowers who assumed we had relief during COVID and you can see from our payment history that we only stopped once we learned of the cares act relief for federal student loan borrowers. Our credit is ruined for XXXX XXXX and we need legal support to address the predatory and neglectful nature of nelnets financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I applied my " cash back '' towards a credit on my balance but in order to do so I had to cancel auto pay for this transaction to happen expecting it was just temporary in order for the transaction to go thru. I also confirmed that my auto pay was still activated therefore it will still automatically make my payment. 

On XX/XX/XXXX without being aware, my autopay was cancelled but definitely not by me as I did it on the XXXX temorarily for that transaction yet as stated autopay was still activated. 

On XX/XX/XXXX when I didnt receive a payment receipt notice I log online and notice that my auto payment never took and I was charged a late fee so I manually posted a payment. At this time I reconfirmed that autopay was activated. 

As my auto pay being activated it should of made a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a reduced payment plan with capital one and my final payment on the plan was due in XXXX that regular payment was suppose to go back to XXXX. The amount of XXXX I paid the amount.capital one claims that I owe XXXX XXXX more and that Im 13 plus days past due I have spoke. To multiple supervisors and they documented that I should not have a past due balance that I complied with my end of the payment plan agreement on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
On three different occasions, funds were transferred out of my account and into another person 's bank account. I did not authorize transfers. The first two times this occurred, Bank of America provided me with a provisional credit in two weeks. When the third transfer of {$1100.00} occurred on XX/XX/2021, I reported the incident to a supervisor at BofA who informed me that he would request an expedited investigation and provisional credit, due to hardship. He listed the hardship as follows : I had {$0.00} in my BofA account and less than {$100.00} in my XXXX XXXX account, I got into a car accident that day and my car was totaled, I am unable to work due to a XXXX, and I have no source of income. The supervisor, XXXX XXXX, also indicated he would file a complaint as he felt BofA had not handled the fraud well from the beginning ; he said that more should have been done to secure my account to prevent additional fraud. XXXX XXXX suggested I call back in a few days to get a status update. I called back on XX/XX/2021 and learned that XXXX XXXX had not submitted notes to request an expedited investigation and XXXX credit. The supervisor I spoke to on XX/XX/2021 submitted a request for an expedited investigation and provisional credit. I contacted BofA on the following dates to follow-up on the fraud investigation and provisional credit : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021, supervisor, XXXX from Louisiana, informed me that I had been misinformed by all others I spoke to. She said that provisional credits can not be requested for XXXX  ( XXXX recipients ), and I should not have been told that there was a possibility of receiving a provisional credit. XXXX made notes of the contacts I had with BofA representatives and supervisors, the history of fraud and my hardship case, and escalated the notes to the fraud investigations department and Bank of America corporate office. To date, XX/XX/2021, I have not received any communication from BofA, and have not received a provisional credit to my account.

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 2021-12-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. I have sent Experian numerous FTC reports regarding this alleged account, and they continue to not block the account because of their internal policies. Experian has reinvestigated this account and verified this account is reporting accurately over 8 times. This account is not reporting accurately due to the fact it is a charge off reportin a past due balance every month. This account is no longer being collected on. If Experian has verified this account as reporting accurately over 8 times, why is it INACCURATELY reporting on my consumer report. My right is for my credit report to be accurate. DELETE this account immediately from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
the XXXX XXXX XXXX XXXX  would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them

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 2021-12-04 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: KY

Complaint narrative:
the XXXX XXXX XXXX XXXX would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Mr. Cooper mortgage company has serviced the mortgage on my primary residence for many years. In XXXX of 2021 I applied with Mr. Cooper to refinance my existing mortgage. I paid them an appraisal fee of {$490.00} to proceed with the approved application. No apparaidal was ever completed and Mr. Cooper ended declining the mortgage application because ( I think ) I did not realize there was a judgement/lien tied to the property and failed to disclose that information in my application. They never refunded the appraisal fee they deducted from my bank account. 

I applied with Mr. Cooper again in XXXX when I realized what the likely problem was with my initial application. Again, my application was approved and I paid another appraisal fee of {$490.00} assuming I would be refunded for the prior one in time. XXXX XXXX never moved this mortgage to closing for some reason. They did not communicate anything other than their appraiser insisted my primary home was used as a commercial business and refused to conduct the appraisal I paid for. It is not used as commercial. It is my home. I provided a detailed statement to that effect at the request of the loan processor ( XXXX XXXX ). The last email I received from XXXX XXXX was an auto replay message that he was out of the office for an extended period of time. I never heard from Mr. Cooper again about this mortgage application or my appraisal, or the second appraisal fee I paid them. 

I have called, emailed, and written letters to Mr. Cooper trying to get the appraisal fees refunded, but no one replies or can provide me with information on getting these funds back. No one there seems to care or be concerned about the appraisal fees much less why they did not follow lending rules/regs by letting me know why my second loan was never closed. I never received a denial letter or any sort of communication after it appears that something happened with this XXXX XXXX fellow that was processing my loan. 

As a fairly informed and educated consumer, it is very distressing to me that a company such as Mr. Cooper is allowed to do this to consumers. Please help!!!! 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: KY

Complaint narrative:
XXXX, XXXX, and Experian is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.

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