vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NC

Complaint narrative:
I had bankruptcy. We attempted to reaffirm a XXXX XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which Equifax and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but Equifax dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I was notified they took over a debt from a move out that I had received an emailed bill but no follow up on. 
Requested them to send me the information via email or fax, they did not, and as I am a XX/XX/XXXXveteran I didn't have a mailing address to give. They were extremely aggressive argumentative and condescending on the phone and gave me anXX/XX/XXXX. Asked for info on the debt and was told there was nothing they could do or send me. I told them multiple times I was willing to pay what I owed if they could provide proof but they were unable to. Felt guilted and coerced into paying and I was threatened with more credit reporting. 

They also said I never gave a forwarding address, when looking at the records, on the bill I received there is a forwarding address so that was a lie and they never sent it to the forwarding address. They also said they could not take payments online and forced me to pay over the phone when that was also not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: MS

Complaint narrative:
XX/XX/XXXX, I got an alert from my credit report that I had received a 30 day late on my XXXX account. I called XXXX immediately and they told me that I would need to dispute it with the credit bureaus as they did not report a 30 day late. I immediately did an online dispute to all the credit bureaus and they all came back a couple days later saying XXXX said the 30 day late was accurate. 
I decided to do another dispute via certified mail and also sent a copy of my payment activity. XXXX removed the late as I show proof I was never 30 days late but Experian did not. I got my results today from Experian and decided to call them and ask they why it wasn't removed when i sent you proof of me paying every month. They told me they did not get my proof but they did get the dispute letter ( although both were in the same envelope ). 
I then called XXXX again today ( XX/XX/XXXX ) and they told me there is no 30 day late and that I needed to dispute it again with the credit bureaus. I have never been 30 days late with XXXX. All of my payments come directly from my checking account every month automatically, unless i make a extra payment.

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 2022-02-11 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a consumer whos fully aware my property, or card was closed without my consent or authorized use. I am aware this company, capital one has been also committing fraud and using deceptive, abusive debt collection practices. As of XX/XX/2018 you charged off the account with a balance over {$600.00}. Capital One has not provided a copy of a 1099C. Capital one has furnished consumer reports to consumer reporting agencies on my behalf. I have not provided any direct consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Please check the complaint with id XXXX first then check this. 

My response to the company is as the following. I am filing a new complaint so they will reply to it instead of the fool reply they put to the above-mentioned complaint. 

Actually, the company is acting fool now. I am saying that no one told me while deposing the check, or even before when I opened my account, about the Fund Availability policy which Wells Fargo attached to their response. I handed the check to the employee and she told me nothing about their policy, and I didn't sign any document regarding this. This is why I believed that the check was fully deposited to my account and it was safe to send the money to the scammer by XXXX since I have the money fully deposited without any alerts from your side, as I mentioned in the complaint. 

Furthermore, another Wells Fargo employee told me that we can't check if the check amount is valid since it's with another bank XXXX XXXX XXXX XXXXXXXX in my case ). So, I know that I made a mistake, but I believe I made it due to your bad policies, firstly the Fund Availability policy, and secondary the policy of Not Telling Me Anything regarding the previous policy. 

I believe that firstly you should refund me the amount I lost ( which is {$2800.00} ), and then you should update your policies regarding the Fund availability. I will file a new complaint regarding this to ensure that you will response to it too.

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 2022-02-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from Comenity Bank /Zales XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank /Zales XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: NC

Complaint narrative:
I had bankruptcy. We attempted to reaffirm a XXXX XXXX  car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our Transunion score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. Transunion then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. Transunion didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!

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 2022-02-11 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: NC

Complaint narrative:
I had bankruptcy. We attempted to reaffirm a XXXX  XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX XXXX We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and Experian also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our NC statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. Experian only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!

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 2022-02-11 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: NC

Complaint narrative:
I feel that I'm a victim of 15 U.S. Code 1681a ( f )

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Good day, my name is XXXX XXXX and I have been waiting to receive my escrow account refund from Amerisave since the loan was paid off on XX/XX/21. I have been told multiple times by Amerisave personnel that the check was mailed and I should continue to wait, only to be told in later phone calls that the check was not sent due to delays. After escalating it to a supervisor I was told they would expedite the check process and even send it ups next day air due to the delay and email me tracking info.After two more weeks without any contact I called again only to be told there was no such record of my check being expedited and I should expect another 30-60 days for processing. I emailed my loan originator and he had someone named XXXX XXXX email me saying she could look into it and assist. On XX/XX/XXXX she emailed me saying the check was being sent that day and I should expect it in the next day or two. She provided a check number and amount. Two more weeks go by and I email her to check the status and she tells me to call the call center. I told her I was considering filing a complaint and she said she would try and get me an answer and then stopped responding to any emails. I called the call center again yesterday and was told the check still has not been sent and so one will get back to me. Its been a very long time waiting patiently for money that belongs to me and I feel like this company has been extremely dishonest with what Ive been told. If theyre doing it to me they are doing it to others. 
My loan number with Amerisave was XXXX The property address was XXXX XXXX XXXX XXXX CA XXXX The only thing I have received in the mail from Amerisave is the tax form 1098 where they show an escrow refund on XX/XX/XXXX for {$4400.00} however by their own staff admission, the check has still not been mailed. Please help me get my money and find out why this company is misbehaving. Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: MA

Complaint narrative:
I mailed several letters asking XXXX to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I mailed several letters asking XXXX to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.

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 2022-02-11 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. XXXX  XXXX XXXX : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. Syncb/CARECR ; opened XX/XX/XXXX ; Account # XXXX* 4. XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. SYCB/CARECR : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) acct # XXXX The following inquires were not authorized by me : 1. XXXX  XXXX XXXX XXXX Bank ) XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date 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 2022-02-11 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXXXXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-02-11 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but Im now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. Bridgecrest can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I deposited a check and afterwards i put in a stop payment request XXXX day later, my account was put in negative by {$25.00} for the Stop Payment Request. I planned on putting CASH in my account well now when i try to login it says " Account Locked for Suspicious Activity '' i called Chase and i was told my account would be unlocked within XXXX hours.. its been XXXX hours and my account is still locked and ive gotten charged an overdraft fee now because of this. 

Never had any issues with this bank before but this is insane

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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