vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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:
On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I made a {$500.00} deposit and within hours it was taken. Not being the one who did this transaction called it into Huntington bank as fraud. The rep taking my complaint stated that this was at a Huntington bank and it was pin transactions. I explained that I have multiple people helping me and that I have XXXX. He indicated that I would have to testify in court against the people who took it I was in agreement with it. They gave me a temp credit for the {$500.00} but later took it back resulting in my account not having enough funds to pay off my insurance. I cant help it if some one that I know may have took my funds. I was relieved that I was able to see who did this to me. This bank breached contract when they told me I was going to have access to the pictures taken on file. They had no business taking my funds as I told them I only gave permission for the {$500.00} to be deposited. They sent me a letter saying they did their investigation and there was no error. I was challenged by the rep who took my initial complaint. He was already assuming that I was making a fraudulent claim. No one ever said that my card was lost or stolen I simply said it was misused. The rep was supposed to order me a new card but I still have not gotten it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I went inside a XXXX  store in XXXX to resolve a payment issue on my account. The in store rep attempted to help me but informed there was an issue with removing the payment card on file so she called the XXXX escalation team to rectify the issue. After an hour of trying, the folks in store and on the escalation team were unable to remove the old payment method to add a new payment method. Up until that time, I was already disappointed in the service. With this new issue, I closed my account that day and switched to XXXX XXXX XXXX. 

A few weeks later, I contacted XXXX about a final payment for my last bill and the phone. I spoke to an agent who transferred to the same escalation team to no avail. No mail or correspondence was ever sent from XXXX mobile about the last payment. 

On XX/XX/XXXX, a collections letter from Credit Collection Services stated a balance of # {$360.00}, which is the exact balance I tried to pay twice. I contacted XXXX by chat on XX/XX/XXXX and spoke to 3 reps - one being a supervisor. Each one was inadequate in what they could do to resolve this collection issue. The account could not be located therefore a balance is not owed and this a fraud collection attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the XXXX XXXX act XXXX XXXX Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29 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: NY

Complaint narrative:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXXXXXX  XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Dovenmuehle Mortgage / XXXX XXXX XXXX XXXX XXXX XXXX  ) will not complete the Covid Hardship Deferment process that they offered to me. When I called them in XX/XX/XXXX to explain that my tenant was several months behind in rent but could not evict her due to government Covid eviction restrictions, they offered to me a 3-month Covid Hardship forbearance at the end of which would become a deferment. When I called after the initial 3-month forbearance period ended in XX/XX/XXXX to find out how to complete this deferment process, they must not have understood my request because, what I learned later, they simply extended the forbearance period another 3-months. ( At this point I " skipped '' only 2 payments. ) After receiving past due letters I called them and found out that there was documentation needed in order to complete the deferment process and again they granted another 3-month forbearance period. I submitted the covid hardship form along with all of the requested documentation and resumed making the monthly payments. ( As my attached payment records show, I " skipped '' only 5 payments even though I was allowed to " skip '' 9 payments during this forbearance period. ) Even though I paid more than was expected from me during this time, I started receiving past due letters. After hours and hours of making many phone calls ( most of my time was spent on hold and being transferred ), emails, faxes, certified mail, etc, the only response I ever received, and continue to receive, is that I am missing documentation ( like paystubs ). I kept resubmitting the same requested documentation via fax, emails, etc. This went on for months until I received a summons at the end of XX/XX/XXXX to appear in court. The judge told both myself and the lender 's lawyer to contact Dovenmuehle/XXXX  to find out what is going on with my account and to find out why my payments have not been applied properly. ( I also learned that they had not been applying my payments to my account but rather to a " suspense account, '' which of course artificially made my account " past due. '' ) This is still going on. I called again today, XX/XX/XXXX, and was told, once again, that they are missing the same documentation ( paystubs, page 6 of a form that " got cut off in the fax, '' etc. ) My next foreclosure court date is XX/XX/XXXX. I am attempting to do what the judge instructed and find out what is going on with my account so that this can be resolved before this date. I have attached my payment records, my correspondence log, and the list of documentation provided to Dovenmuehle/XXXX, their lawyers, and the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and XXXX and a status of CLOSED on Experian. There is NO payment history on XXXX, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and Experian reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : 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 2022-07-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Upon trying to withdraw {$20.00} from the ATM, for which I need to purchase my husband 's medication, and even though I have overdraft protection, I keep getting denied. I believe that customers should be able to get some money, especially for an emergency. Also, {$35.00} fees are absolutely outrageous. It's no wonder people who are on a fixed income can not get caught up. Wells Fargo refuses to return the fees, overcharges if you can not get to their ATM & representatives do not want to hear any complaints. We have threatened to make the move to another financial institution, yet, even the so called XXXX line doesn't want to help. I've asked to speak to the bank ceo, but am given an excuse.

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 2022-07-29 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen said I was be hind on payments and I was not and they add a balloon payment to me also new company filed for closer and then with Drew it back in XXXX need help please XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: IL

Complaint narrative:
I recieved a response to a dispute letter that I sent. They said the accounts were verified as accurate. I responded on XX/XX/2022 with proof of all the inaccuracies that are still being reported. They are conciously still reporting inaccurate information on my consumer report.and they still havent responded in the required time of 30 days. Please inforce my rights and request these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: AZ

Complaint narrative:
My Personal information was compromised and Im now seeing a CLOSED account from XXXX XXXX that was applied for fraudulently on XX/XX/2022 reporting on my credit report I have not applied for anything and this is not my account. 

I have file a police report with the XXXX XXXX XXXX and have filed a report in reference to this account XXXX  XXXX

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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one at XXXX XXXX XXXX in XXXX Louisiana Received a court order to close an account from a settle estate for {$110000.00} on XX/XX/2022 They stated this would take 7-10 business days after that time capitol one sent three checks for {$490.00} each Returned to Capital one on the XXXX of XXXX Capital One stated they had drop the ball 12 days later there was still no check from Capital one I was given an email address to there ( estate dept ) there has been no response from the estate dept also you can not call the estate dept So a complaint was filed with there complaint dept, and the branch manager at XXXX XXXX XXXX no response We would like Capital One to issue the checks for the correct amount in a timely manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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:
On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XXXX XXXX. XXXX XXXXXXXX XXXX is claiming to have obtained this debt in XXXX XXXX I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation