vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
State Collection Service , Inc. did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tested positive for XXXX on XX/XX/XXXX. I tried to pay my Kohl 's charge, while I was sick, but the system was down a couple of times I tried to pay it. And I couldn't get to the store when I was sick with XXXX. My payments due date is the XXXX of month. This payment was posted to my account on the XXXX. I am trying to buy a house. I was informed that days before closing, my lender dropped me. My score had dropped XXXX points. Because Kohls reported this as 30 days late. When it was not. Now I have to redo my loan, I was trying to do a USDA loan. I have to now do a FHA loan, because my score has dropped so far that I can't even do a conventional loan. I was at the point of getting a cleared to close date with my usda loan. So I already paid for the apprasial, which was about {$680.00} dollars, a well inspection of {$270.00}. Along with other fees, that I am working on getting documentation for. This in accurate reporting is costing me 100s if not 1000s of dollars for inaccrate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: IL

Complaint narrative:
This is Something I have No Idea of I dont know why its on my report I want proof of who they are they can be some type of random bill that can be fraud I never received anything from the company or who they are.

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 2022-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On due date I paid {$40.00} toward my Lowe 's CC balance. The min pmt was {$29.00}, so I had to select " other amount '' and enter {$40.00}. 
Upon receiving the confirmation email, I realized the total due amount of {$620.00} was paid, not the {$40.00}. I called and was told by the representative that they could refund my pmt in 7 business days. I called in 7 days just to be told I would need to wait 2 more days. I was also told the pmt would not be electronically deposited back into my account, rather I would have to wait an additional, up to 13 days to receive a paper check in the mail. We shall see if I receive a check. Meanwhile, my checking acct balance is at {$28.00}, with other bills due.

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 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, XXXX will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank of America credit card account had an unpaid balance less than 5 % of total credit line. After I paid this balance, the account was closed without any notice which resulted in reduction of my credit score by XXXX points.

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 2022-02-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 an email was sent to Equifax XXXX XXXX XXXX XXXX regarding a breach in my account, i.e. an unauthorized party changed my residential address on file. The following Monday, XX/XX/2022 I reached back out by telephone to XXXX 's Equifax Corporate office and spoke with a XXXX XXXX in the Consumer Affairs department. XXXX XXXX worked very diligently to verify my identity but to no avail, we could not complete the process but through no fault on XXXX XXXX 's behalf. I was unable to get a clear image of my ID and answered incorrectly to the date to when I applied a Freeze on my account with Equifax as I had done with the other 2 credit bureaus '. I realized this after the fact. I simply let XXXX XXXX know how grateful I was and that I would get my act together and phone back the next day on the XXXX of XX/XX/2022. Unfortunately, through no fault of my own, I was not able to phone the Consumer Affairs department on Tuesday prior to their close of business day. Thus, the following day, on the XXXX of XX/XX/2022, I phoned with my neighbor by my side to aid in photographing my ID since I was not able to complete the process the first time with XXXX XXXX. However, the agent that I spoke to this time simply stated it was against company policy to send me a copy of my credit report with the incorrect and unauthorized address on it. I asked the agent if this was something she was reading from in the notes in my file because that was in contradiction to what I was trying to accomplish with XXXX XXXX on Monday the XXXX of XX/XX/2022. I told the agent that I understand that she does not know the history on the account and thanked her before saying goodbye. 

I have not moved thus, I did not change my address. I need to file a police report for someone attempting to steal my idenity and I can not do so without a copy of my account information with the psuedo-address on it. I do not hold Equifax responsible. 

Please assist me in this matter Kindest regard, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed by an online investment, and after I realized the scam, I contacted Bank of America to stop any ongoing transactions if possible. But afterward, they investigated the claim and refused to pay me back due to my own authorization for purchasing the product. How am I supposed to know when I was being scammed at that moment, and the fraud department of BoA didn't have any actions on my any of transactions. They called me several times, but they never asked about any reasons for sending the money. THEY FINALLY LOCKED MY ACCOUNT after I transferred almost every dollar in my saving account due to " suspicious activities. '' I am furious about myself for trusting someone online and making those transactions but isn't the reason a fraud department existing in a bank should prevent this kind of situation? Again, they asked nothing about transactions, even though I sent out a total of 60k in one month.

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 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
NEVER RECEIVED ANY WRITTEN VERIFICATION OF DEBT. I HAVE REACHED OUT TO THE DEBT COLLECTOR SEVERAL TIMES AND STILL NO VERIFICATION.

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 2022-02-12 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}

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 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I used Transfer wise App to send a sum for a friend in XXXX, specifically she used XXXX bank account, almost 15 days ago She could not receive the money in spite she reviewed her bank The man in charge had reported that my bank ( transfer wise ) did not send the money, I gave her the transfer number and that could not help. 
Please I want a method to be sure that she received the sum Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: MI

Complaint narrative:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian 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 Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : {$0.00}. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 explanation
Consumer complaint received 2022-02-12 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: MI

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion 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 Balance : {$11000.00} open XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 2022-02-12 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: MI

Complaint narrative:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard 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 Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The company keeps raising the mortgage payment not in accordance with the agreement schedule given to us. It started out 2 years ago with a payment of {$1100.00} and now its over {$1400.00}. This is a loan modification which was a HELOC loan number XXXX where the payment became {$3200.00} at the 2nd phase of the loan.It was impossible for us to pay the XXXXThe load mod was supposed to give us relief. Moreover over payments were put into principal pay downs which were not authorized by us.Further they harassed us with the house insurance ( they said we had none... we sent the declaration page to them ) which we have had since 2004 threatening us to charge us for the insurance we already had.We have all the phone calls and statements and agreements documented but since we have had a death in the family have not had an opportunity to send it all to you.We have been on the phone with BOA for hours and still nothing has been done, Just fake promises.

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 2022-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account info Account name XXXX XXXX Account numberXXXX It has been more than 45 days with no investigation on this 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 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to TransUnion to request my consumer report AND FILE. TransUnion did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.

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 2022-02-12 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:
I have sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. TransUnion, XXXX and XXXX have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under FCRA 611 ( a ) ( XXXX ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither TransUnion, XXXX, nor XXXX have provided me this information in the 15 day time period allowed and am making this complaint to show abuse, bias, and prejudice by not affording me my rights under the FCRA or deleting the information from my credit 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 non-monetary relief
Consumer complaint received 2022-02-12 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

XXXX sent me a letter dated XX/XX/2022 stating that my account was delinquent, and they intend to repossess. 

This was regarding my XXXX payment in the amount of XXXX. That payment was made on XX/XX/2022. However, when I spoke with a XXXX representative, I was informed that the payment went toward interest and not the principle. Im not sure how that happened. I always make my payments online and this has never occurred. The representative stated that I must have clicked on pay interest only, which I did not do. There must have been some sort of glitch in your system. This is a billing error according to 12 CFR 1026.13. And pursuant 15 USC 1681 ( n ) ( 1 ) ( a ) Nissan Motor Acceptance Company is civilly liable and I am owed remedy for damages up to {$1000.00}. 

Because of this error, I have suffered another detrimental hit to my XXXX  score and consumer report preventing me from qualifying for other consumer credit transactions that I was in the process of obtaining. Due to XXXX reporting yet again inaccurate information, this payment error, to the credit reporting agencies my reputation has been damaged. I want XXXX to contact the credit reporting agencies and rescind the late payment immediately.

Company response to consumer: Closed with explanation