vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX is still reporting a paid closed checking account on my Equifax credit report as open. Sent the last dispute request to Equifax on XX/XX/XXXX to delete incorrect information. I have tried to get this removed on several occasions due to the inaccuracy and paid status, but XXXX fraudulently is still reporting this account as open. XXXX XXXX XXXX XXXX response from the Equifax investigation received on XX/XX/XXXX was information was accurate-account is open, the type of loan is 'deposit related ' and updated the information to XX/XX/XXXX. Explain to me how a paid/closed banking account from XXXX is still reporting as open in XXXX with no account history on a closed account? Plus, under Type of Loan on my credit entry it has-deposit related. When is a closed checking account reported on one of your major credit reports? AND, I have never had a loan with this company. I have not banked with this company since XXXX. There is no current checking or savings account with this company that is open, yet they continue reporting this as an open account, which is a fraudulent practice and a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express XXXX XXXX holder, for which privilege I pay {$5000.00} a year in fees alone. I have been an Amex customer since XXXX. You would think that qualifies me as a good customer, right? WRONG!!! I called the dedicated customer service line XXXX XXXX XXXX at XXXX XXXX  on Sunday, XX/XX/XXXX and spoke to a woman called XXXX based in Florida. I wanted to put a charge into dispute. I was on hold for 4 minutes and then for a further 8 minutes while XXXX " transferred '' me. After 12 minutes 30 seconds she came back to me to tell me the disputes department was closed on Sundays and she could not help me. This complaint is about three things : 1. American Express refuses to accept my dispute. This is illegal under the Fair Credit Billing Act. Amex encourages you to contact them via phone about disputes, but on weekends they refuse to accept disputes 2. This representative does not know what she is doing. How can I wait 12 minutes to be told the disputes department is closed? Why wouldn't she know that when I first spoke with her? When I told her that she should know this and she needs retraining she said I " insulted '' her. Fortunately these calls are taped 3. This is not the sort of service Amex advertises for the extortionate fees that it charges. This is a " bait and switch '' fee policy. My fees should be partially refunded for this lack of service, I am supposedly paying for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I sent two debt validation letters to Transfinacial in regards to two medical collections that are reporting on my credit report. Instead the company sent me a detailed list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : XXXX  It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX : XXXX DOB : 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 2021-08-01 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom it XXXX concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the XXXX had the creditor Navient account deleted from my Equifax profile, but the same account is still being report erroneously on Transunion. THIS AGIAN VIALOTES 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 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
Academy Mortgage was my former mortgager. I refinance my loan and it was paid in full on the XX/XX/2021. My new lender does not require an escrow account and I've been waiting for a check from Academy Mortgage in the amount of {$5000.00}. 

I researched and learned that the lender is required to return these funds within 30 days of loan closing. To date, I've received nothing from Academy Mortgage and it has been 38 days since my loan was paid off. Every time I call, I get the same XXXX, " Your check is in the mail. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo representative called and left a message. I called Wells Fargo and they could not locate the person leaving the message and suspected it was a spam call. A secure email was received and I called Wells Fargo to confirm authenticity and they advised me to send the email to their reportphish email address and never heard back. 

On XX/XX/2021 my business checking and my personal savings account were closed without any notice. I visited a local branch and they could not help. I was advised to call a number that would leave you on hold for a representative for 8 minutes then a recording would say the office was closed due to Covid. 

I received my money via XXXX  a week later. 

On XX/XX/2021 my regular checking account was closed without any notice. This account has my automatic payments scheduled and my paycheck is auto deposited.

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 2021-08-01 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: MI

Complaint narrative:
On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv Funding, LLC ( Also been reported to XXXX  by consumers ) has threaten & reported inaccurate balance due on two closed accounts that I had with XXXX & XXXX creditors issued by XXXX. Both accounts after contacting creditors in order to settle on the accounts due to payments & fees ( as well as errors ) prior to requesting payment arrangements because of foreseen financial setbacks as well as personal obligations that needed my attention. After contacting XXXX ( already enrolled w/account protection ) had came to agreement to process the settlement on account & payments to start once they contact me back to set future dates for payments, but instead XXXX close my account. The same for XXXX after reaching out to discuss payments to get good standing after attempting to return items brought on XXXX website. After accounts had been closed for months. I had started getting repeated calls & notices from Lvnv Funding which unknowing had reported to all three credit bureaus making false claims with non-accurate & non-documented information in order tactfully & deceitful claim monies. I feel this seriously violates of my consumer rights and Lvnv Funding deceptive practices to extort money from consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NBT BANCORP INC.
State: TX

Complaint narrative:
On XX/XX/2021. I sent a letter to the company to validate the debt and now it is XX/XX/XXXX and still have not received a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a flyer from a company with a {$100.00} off offer. I purchased it with my PayPal Credit card ( Synchrony Bank ) to take advantage of a 6-month no interest promotion, and did not get my {$100.00} credit upon checkout from the vendor.

I received the device, and the credit card statement for the full amount. I contacted the original company who agreed the offer was misleading, but would not give me the {$100.00} credit. So, I opened a claim with PayPal Credit and provided a screenshot of the email, and the flyer I received.

PayPal Credit removed the charge while they investigated. Someone at PayPal Credit closed my claim because they thought I was disputing receipt of the device, not the amount billed. PayPal Credit then moved that balance from my PayPal Credit card to my regular PayPal account who now wants the payment in full.

I have called both regular PayPal and PayPal Credit, and they both say that the balance can't be moved back - claiming that they are two different companies. If this were true, then PayPal Credit would not have been able to transfer that balance back to regular PayPal.

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I purchased a vanilla one prepaid card from XXXX in the amount of XXXX dollars. A couple of hours after purchasing I noticed four purchases that I dont authorized nor make in the amounts of XXXX, XXXX, XXXX, and XXXX dollars. I immediately phone vanilla one about these transactions and they did cancel the card. I also reached out to where to the company where these unauthorized charges was made and they was very helpful and attentive. They communicated with me in a timely manner, unlike one vanilla, and they told me since this was a prepaid card I need to contact one vanilla. Ive have called and emailed them several times, which is documented, about my dispute of XXXX dollars. I still have the receipt and packaging of proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation