vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: LA

Complaint narrative:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I bank with chime who is partnered with XXXX XXXX for chime users to use the atm services for free. I usually withdraw money there everyday after work from XXXX  fee free. On this particular day I decided to put {$620.00} on my account to pay bills and the ATM ended up eating my money. I have been in talks with both banks and the {$620.00} was recovered but my bank ( chime ) wont file a dispute because it doesnt show any money was deposited. Which is correct because the atm ate my money then gave me a receipt saying transaction can not be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management has taken legal action to garnishment my wages after I contacted them to make a payment arrangement. Due to Covid exposure I was unable to make a court on XX/XX/2021. I believe the amount is XXXX. I do not have funds at this time to have payments deducted but willing to make payment arrangement. I've been contacting them to stop this action. No result

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and TransUnion correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, TransUnion and XXXX XXXX my last request was mailed 45+ days ago

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 2021-04-14 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: PA

Complaint narrative:
I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, Equifax and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, Equifax, XXXX  and XXXX XXXX my last request was mailed 45+ days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that Experian, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with Experian, XXXX, XXXX and XXXX XXXX my last request was mailed 45+ days ago

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 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
On XX/XX/12 I went to associated bank to deposit {$620.00} on my XXXX card and the atm ate my money and gave me a receipt that said transaction can not be processed. I have been In talks with both banks and the {$620.00} was recovered but in order to get it back my bank has to file a dispute. XXXX said they can not file a dispute because theres no record of the amount being deposited. XXXX and Associated Bank spoke with each other and chime told the Associated Bank Manager that they cant file a dispute. Now associated bank refuses to give me my money without a dispute even though XXXX ( bank manager ) said she will handle it with her atm department. I even have video evidence of the atm eating the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: AZ

Complaint narrative:
During a refinance closing on XX/XX/2021 we submitted a check in the amount of {$1800.00} to be directly deposited into our new escrow account to avoid rolling escrow funds back into the loan. The first statement we received did not reflect the submitted funds in the escrow account or anywhere else in the statement. 
We reached out to the customer service department who said they wouldn't be able to view the closing documents for six weeks and therefore could not assist us. 
Since that answer was not acceptable nor credible, I reached out to the loan originator to get help. He directed me to a " XXXX XXXX. '' to resolve the issue. I contacted " XXXX '' by email and then by phone since he did not respond to the email. I described our issue to which he told me he would look into it. 
After a week of silence I wrote an email describing the issue again, attached pertinent documents and sent it to the customer service e- address on XX/XX/2021 which eventually elicited a response from a XXXX XXXX who appeared to put things in motion. 
As of the writing of this complaint, this has still not been resolved, Our homeowner 's policy is now past due because of the company 's inaction, we still see no mention of the {$1800.00} on the most recent statement and all they've done so far is tell us that an ex-employee made a mistake but they've done nothing to explain where our funds are and how they're going to remedy the issue.

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION
State: GA

Complaint narrative:
Certified mail was received on XX/XX/2021 by ( debt collector ) requesting validation of debt.They responded with medical records, a Direct violation of HIPPA regulations.Not only did these documents have proedures and /or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed HIPAA form authorizing access to any such medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove : FCRA violations XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$210.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$210.00} - Payment Info Original loan amount - Balance {$210.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved ; customer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX XXXX XXXX, XXXX, PA XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$320.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$320.00} - Payment Info Original loan amount - Balance {$320.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved ; customer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My credit card was paid in full on XX/XX/21, {$9000.00}. The next day I was charged an interest fee of {$97.00} on my {$0.00} balance. 

I called chase to have this reversed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe. They also reported the debt before the end of the 30 day validation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. 
I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XXXXXXXX XXXX,2021 I sent debt validation letters to United Revenue Corp requesting documents verifying two debts on my credit report are accurate. United Revenue failed to send me any documents I have signed or with my identification verifying the debt that was place on my credit actually belongs to me. I then attempted to dispute the debt with XXXX and XXXX advises the debt was verified with the collector without any proper verification. The information sent to me was a summary NOT ONLY was this NOT verified it was also a HIPPA VIOLATION. I need this removed from my credit for the following reasons this is not my debt and the collector has failed to provide any documentation support that it belongs to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank is reporting a late on my credit file for the months of XX/XX/XXXX, XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that Comenity Bank makes a goodwill adjustment and remove the late notations from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: LA

Complaint narrative:
Last XXXX2021 I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

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 2021-04-14 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: WA

Complaint narrative:
I started receiving text messages that I owed a company called XXXX a small amount of money. I had never heard of the company before and disregarded the text messages as spam. Then, I recently had credit pulled to buy a car and noticed my score was lower than I expected. I then pulled my own free credit report and discovered the account which I did not recognize. I then formally complained to Experian and two other credit agencies, and Experian 's investigation determined that the account that had been opened was verified as accurate! Which is not correct! Again, I have no idea who XXXX is and have no supporting documents to provide since I've never done business with them. My credit report with Experian is incorrect and Experian 's investigation has not corrected it.

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 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank Abruptly and without any notifications deleted all payee account information from my corporate business checking account and has not restored any payee information for the past 2 months. 
Not only was the business account inaccessible for 3 weeks without any resolution despite repeated multi-hour phone calls, the missing payee and bill information stored in the account was promised to be restored over 3 weeks ago but nothing has been resolved. 
I am also concerned at unauthorized access to my bank accounts by both insider and outsider malicious entities at wells fargo as the missing payee history and their payments are highly confidential and proprietary to the business. The disappearance of the financial information was identical to a hack attack and wells fargo continues to deny it by admitting it was merely an error. However it is impacting business operations as well as record keeping efforts as well. 
Wells fargo employees tried to coerce me into committing illegal transactions by paying business expenses from my personal accounts instead. They also repeatedly and wilfully tried to dodge any responsibility for the account 's compromised state. I am getting repeated calls by wells fargo employees to allow them access to the compromised accounts but nothing seems to get fixed for over 2 months now.

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 2021-04-14 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: NY

Complaint narrative:
I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NY

Complaint narrative:
I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.

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 2021-04-14 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank/Gap is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted.When this first started unfolding, my employer took safety precautions and cut everyone 's hours leaving me to barely scrape by. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that you please make a goodwill adjustment and remove the late notations.

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