vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XX/XX/XXXX, Experian and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Excessive, recurring returned item fees were charged on numerous transactions never authorized and disputed via PNCs ACH process. My personal checking account ending in XXXX is currently in a negative standing and overdrawn by {$400.00}. The account is facing charge off due to the banks negligence and failure to do their lack of due dilligence. As a result, insufficient fund fees were charged ( {$36.00} per transaction ) on the following dates for my checking account ending in XXXX : XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$96.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for insurance transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$100.00} ( unauthorized debit, disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX XXXX transaction {$10.00} XX/XX/21 Overdraft fee {$36.00} for USPS Online transaction XX/XX/21 USPS Online PO Box {$34.00} ( unauthorized debit, never initialized ; typically paid in person to a clerk ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 Subscription XXXX {$3.00} ( unauthorized debit, subscription never authorized, contested and disputed via PNC ACH process ) XX/XX/21 Overdraft fee {$36.00} for XXXX transaction XX/XX/21 XXXX {$60.00} ( unauthorized debit, disputed via PNC ACH process, contacted XXXX ) I personally requested stop payments for XXXX XXXX and XXXX ; however, wrongful payments were authorized without my consent. Furthermore, I filed multiple ACH dispute claims with PNC and have not received any sort of response from the bank or opportunity to provide supporting documentation after the claims were filed. The account ( XXXX ) was written off as charge off without an investigation being conducted. The bank didnt do any sort of do diligence to ensure that I wasnt at fault or gave me the opportunity to provide documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: ME

Complaint narrative:
In late XXXX, my XXXX Visa card was compromised. In mid XXXX, I noticed 4 transactions for XXXX, totaling a bit more than {$4000.00} on the card. These were not purchases made by me. I contacted XXXX XXXX XXXXXXXX, who researched the issue, and, approximately 60 days later, issued me a credit for the fraudulent transactions. I considered the matter closed. In early XXXX, I began to receive phone calls from Cedars Business Services, a debt collection agency. They would call 3-4 times per day. I initially regarded the calls as " spam '' communications, but, after a discussion with one of their representatives, learned that XXXX was attempting to recover payment for one or more of the Fraudulent transactions from me. 

I attempted to tell XXXX that these transactions were fraudulent, but, they had no documentation that this was the case. 

I attempted to report the issue to the police, but, since I received refunds for the transactions, I was not regarded as the victim of a crime. 

I attempted to secure documentation of the fraud from XXXX, an onerous process that took several weeks, and finally resulted in some vague, general documentation that I had submitted a fraud claim. I provided this documentation to XXXX on XX/XX/XXXX, requesting that they " call off '' their debt collectors, and issue me a letter confirming that these transactions were fraudulent.

I am writing the CFPB for several reasons : 1. To raise the issue that identity theft is difficult for individual consumers to react and respond to in the absence of documentation that the theft has occurred.

2. To say that, from my experience, neither VISA, nor XXXX, has any clear policy or procedure to issue a simple notification that one has been the victim of fraud. 
3. That XXXX, the vendor in question, appears not to have any clear policy or procedure for dealing with victims of identify theft and/or fraud.

4. That the issuance of a clear, unambiguous statement that specific transactions have been determined to be fraudulent should be a right afforded to consumers.

5. That companies should have clear policies and procedures that permit the victims of fraud or identify theft to dispute charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have disputing a DISMISSED bankruptcy since XX/XX/2020. It has only been verified by public record which ANYONE can place items in public record! The BK courts can no longer legally verify the information therefore it needs to be removed! Since the bureaus didn't respond to my first complaint I submitted another dispute with them on XX/XX/2020 and again on XX/XX/2020. This is uncalled for the lack of what the bureaus are REQUIRED to do!

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 2021-03-12 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: Conn's, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  CONNS XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.

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 2021-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have disputing a DISMISSED bankruptcy since XX/XX/2020. It has only been verified by public record which ANYONE can place items in public record! The BK courts can no longer legally verify the information therefore it needs to be removed! Since the bureaus didn't respond to my first complaint I submitted another dispute with them on XX/XX/2020 and again on XX/XX/2020. This is uncalled for the lack of what the bureaus are REQUIRED to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX  and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I filed a complaint XXXX with cfpb against Shellpoint Mortgage Servicing. They did respond and asked me to call XXXX XXXX at XXXX with any questions. I called 3 times and left 3 messages also there was no Email provided by them. They never responded.

I only have 3 questions to ask them. 

Do they have transcripts of the phone conversations made in their response? We requested that during these calls be recorded. Can they provide us with these transcripts. 

Did they ever commutate with us about confirming our home address during this time period? All their correspondence was delivered to the wrong address past the forwarding period by the USPS. 

Why was their law firm able to deliver al our summonses about the foreclosure to the correct address?. 

These actions on the follow-up of this complaint is typical of all our communication with Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.

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 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX and the second Complaint : XXXX filed with CFPB on XX/XX/XXXX. 

Borrower received a weird lengthy response [ in all means ] from the Lender and once again forced to put up this Complaint with CFPB demanding a one word answer. Also, I will be sending a hardcopy of the above Complaint to the Actor Director of CFPB Pursuant to the above Complaints, Company failed to answer to my one and only question : 1. Does the Wells Fargo Home Mortgage have the right to purchase a Lender Placed Insurance for a Past period? Company must provide an Answer, - Yes or NO Pursuant to the Mortgage Agreement signed between both parties, Wells Fargo Home Mortgage has the right to enforce Lender Placed Insurance. This doesn't give explicit authorization to enforce Lender Placed Insurance for the past period. Please refer to " Exhibit A '' which is self explanatory. 

If the Answer to the above question is " YES '' then it is totally discriminatory, due to the fact that the Borrower can't purchase an Insurance coverage for a lapsed period anywhere in US whereas the Lender can.

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 2021-03-12 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, XXXX electronic transactions totaling XXXX were performed on your account. I did not authorize these payments. The payments occurred through XXXX. I opened the case on XX/XX/XXXX for an investigation and for a request to receive these funds back. I received a letter from Citibank on XX/XX/XXXX, that they made several attempts to contact me to obtain additional information for my request. However, this is false. I never received a letter, a voicemail, or e-mails. I only found out that the request was canceled when I called my bank on XX/XX/XXXX. The supervisor I spoke to told me the initial investigation was filed improperly. I opened up another case on XX/XX/XXXX, and the case has yet to be resolved. I have not been able to pay my rent - I am 12 days late - because my bank was not able to resolve this due to improperly filing the initial investigation.

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 2021-03-12 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: MN

Complaint narrative:
I have accounts under my credit report that are in FCRA Violation. I have contacted these credit companys numerous times to fix this they they are continuing to violate my rights. 

XXXX XXXX is continuing to be reported verified with no proof from neither company. They began reporting on my account on XX/XX/2020 for the balance of {$3900.00} XXXX XXXX XXXX is continuing to be reported verified with no proof of verification from neither company. They began reporting on XX/XX/2020. This company is also on numerous violations and these investigations that the Credit bureau claim that they are doing, is unacceptable and could be facing a lawsuit. 



These need to be removed from my report and is negatively impacting my financial situation.

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 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation