vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX  {$4100.00} on my XXXX, TransUnion, and XXXX My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Payments on my Capital One Credit Card are due on the XXXX of each month. I proceeded to make my payment through the mobile app on the XXXX of XXXX, only to incur a {$20.00} late fee on the following day. As a result, I called the Capital One customer service to explain the error on my account. The representative explained that payments must be made by XXXX on the mobile application and refused to reverse the fee assessed regardless of the same day payment. 

This practice appears to be deceptive as the card agreements refer to due dates, not specific times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
I have tried multiple times to get credit reporting agency to correct information they dropped score drastically based from and they continue to make excuses to not fix problem. I have provided data that clearly shows that the information they show on the webpage is not correct. I am attaching to this complaint data that shows they as of this date XX/XX/2021 they clearly show inaccurate information when data shows it is wrong. They claim you can upload documentation to dispute error and yet this step goes no where. They want you to pay for a which done nothing but allow you to freeze account from outside inquiries and yet they claim they can not fix they error and freeze it at credit score that it should be. They can make changes on a minutes notice which hurts you but when it comes to correcting their own mistakes they CAN NOT make score changes. Copy of this claim will be attached to this 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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was sent some money on 2 different occasions abd was told in order to receive the money i have to send {$200.00} XXXX for security verification then send another {$200.00} XXXX for another kind of fee. And then another {$200.00} and I'll vet my money which i never did receive and then yesterday i was supposed to be receiving another transaction and i sent some more money only to hear i need to send another {$50.00} for bank fee What is up with that and i also was told that i will get all that money reimbursed back to me XXXX haven't received any of the money that was promised to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit bureau continues to report inaccurate and unverified information on my credit report. I have request PROOF of their investigation, documents that show how they determined my dispute accounts were verified, and for the person they made contact with who verified these inaccurate accounts so that I could follow up with them directly. to has been well over 30 days and I have received nothing the furnisher nor the credit bureaus. I have attached both of my last letters sent to the credit bureau. Note : I have still not received any form of proof after both request.

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX {$4100.00} on my Experian. My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.

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 2021-03-05 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: Lendmark Financial Services
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: MRS BPO, LLC
State: CA

Complaint narrative:
MRS BPO LLC, Inc. uses tactics like using caller ID spoofing calls.These spoofed calls ( have same area code and the first 3 digit similar to my phone number ) call me as early as XXXX pst. and they called a dozen times a day for 3 to 4 consecutive days before they actually used a legit or real phone number ( XXXX and XXXX ). When they called or leave a message with a real phone number. Conversations and messages are about the seriousness of a legal matter and if I don't respond, they threatened to garnish and withhold my SSA payments. Send CEASE and DESIST messages by text to both real phone numbers of MRS BPO LLC, Inc. on numerous times since XX/XX/2020 but to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 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: NY

Complaint narrative:
the credit bureaus are reporting my XXXX XXXX financial account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such

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 2021-03-05 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: MD

Complaint narrative:
Equifax Credit Reporting ( XXXX # XXXX ) continues to reinsert and conduct due diligence concerning incorrect information that has been disputed by the consumer. 

Equifax Credit Reporting knows or should have known the reported information was incorrect if the proper investigation was conducted pursuant FCRA. 

A Bankruptcy Chapter XXXX # XXXX was opened and closed within four ( 4 ) days. This public record belongs to a person of a possible similar name however not to the consumer. Equifax remains the only Credit reporting Agency that is fraudulently declaring they have investigated and correctly reporting the information. Consumer has confirmation, in writing, for the US Bankruptcy court confirming Equifax is fabricating this tradeline. 

Consumer ( XXXXXXXX XXXX ) contends this has been a systematic behavior concerning Equifax Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank routinely blocks me from accessing my funds. Twice now I have spent over an hour on the phone with the bank trying to get them to let me have access to my account balance, and both calls ended in my inability to access my funds. This has nothing to do with recently deposited checks. It has to do with the bank 's fraud detection system flagging my withdrawals as fraud, and then the banks inability to remove that fraud flag resulting in the account being inaccessible.

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 2021-03-05 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: TX

Complaint narrative:
Credit bureau refuses to conduct proper investigation of accounts I have disputed. I have dispute accounts on my credit report multiple time since XXXX of 2020 for inaccurate reporting. On my last 2 disputes I clearly requested that I be provided proof of the methods used to verify my accounts and I was not given them. Where is the proof? what documents were used? Who did they speak to? where is a copy of the certified mail receipt? I was given nothing that I asked for. Equifax has continuously reported inaccurate and unverified information on my credit report that has significantly caused harm to my family and I and I refuse to take this matter lightly. I demand that these accounts be removed from my credit or that I be given the proof that I asked for. Also the credit bureaus claims the the furnishers sent me the documents that I requested and that to is a lie. I have received nothing via mail or by email. I have attached both of the letters that I sent specifically request proof or that the items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
WE ARE REQUESTING FOR A REPAYMENT OPTION/PLAN OR MODIFICATION SO THAT OUR ARREARS THAT WE ARE PAYING THROUGH CHP XXXX BANKRUPCY, WE CAN HAVE THE BANKRUPCY CONVERTED TO A CHP XXXX AND PAY AN ADDITIONAL XXXX MAX A MONTH TOWARD OUR ARREARS SO THAT WE CAN CURE OUR ARREARS BECAUSE WE CAN AFFORD TO PAY OUR BANKRUPCY PAYMENTS, BUT THINGS ARE TIGHT BECAUSE WE ARE MAKING A HUGE BANKRUPCY PAYMENT OF {$1800.00} A MONTH. OCWEN OFFERED US 3 MODIFICATIONS BETWEEN XXXX, BUT DUE TO ME BREAKING MY ANKLE AND A YEAR LATER THE HARDWARE CAME OUT OF MY LEG CAUSING ME TO HAVE EMERGENCY XXXX. I AM NOT ASKING FOR A FOREBEARANCE ALTHOUGH WE PROBABY QUALIFY FOR ONE, WE ARE MAKING ENDS MEET AND WE ARE PAYING OUR MORTGAGE ON TIME AND WE JUST WANT TO CURE THE ARREARS WITH OCWEN/PHH BECAUSE THERE IS NO NEED FOR US TO BE IN BANKRUCPY WHEN WE CAN RESOLVE OUR OUR MORTGAGE ISSUES WITH OCWEN/PHH. THEY WILL NOT GIVE US A REAL REASON OTHER THAN WE WERE DENIED 6 TIMES AND THATS NOT TRUE, THEY NEED TO CHECK WITH THE SERVICER OF THE LOAN, OWCEN BECAUSE PHH IS COLLECTING THE PAYMENTS. 

THANKS VERY MUCH XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, NJ XXXX XXXX XXXX WE LOOK FORWARD TO HEARING FROM YOU SOON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Risecredit, LLC
State: MO

Complaint narrative:
XX/XX/XXXX XXXX was opened XX/XX/XXXX was last reported balance over XXXX $ Called company RiSE Credit today XX/XX/XXXX they said to file report with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting my account closed due to fraud which is not true. I have attached an identify theft report. It is going on 5 years I have been trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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:
the credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving this!

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 2021-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
opened a savings account on XX/XX/XXXX. Initial deposit of XXXX then two other deposits of XXXX then XXXX. XX/XX/XXXX my account was blocked. I called, and they told me my account is blocked and they it was under review and that it would take 24-48 hours. It has now been two weeks and they still say that my account is being reviewed and they don't know why it's taking so long and how long it would take. They also can't transfer me to whatever department does the reviews. I've called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have also texted their text line XXXX XXXX XXXX XXXX, I've also talked to their online chat service and emailed customer service at XXXX The only activity on my account was the 3 deposits. I never used the debit card or even transferred money out of the 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 monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, XXXX Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the XXXX Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for Kohls/Capital One ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by XXXX the Creditor Kohl 's Capital One,  unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. XXXX then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. XXXX has placed a block on my credit file alongside an extended fraud alert without the consumer 's XXXX XXXX XXXX XXXX request or consent. 

I faxed and mailed correction, without response, to XXXX and the creditor Kohl 's Capital One referencing the aforementioned error and demanding immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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:
My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NY

Complaint narrative:
My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.

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 2021-03-05 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:
My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NY

Complaint narrative:
My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.

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