vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my 11th complaint that I am filing against EQUIFAX. There were two [ 2 ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. 

The two inquiries deleted were : XXXX XXXX XXXX XXXX XXXX XXXX By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX rightfully deleted the inquires. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a " consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. " Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Guild Holdings Company
State: HI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on GUILD MTGE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My small business, XXXX XXXX, is a Service XXXX Veteran Owned Small Business that does contract fulfillment for the federal government. We bank with Bank of America, and have a corporate credit card with the company. Recently a a supplier over charged my corporate credit card in the amount of {$40000.00}. The overcharge was credited back to the account on XX/XX/XXXX. 

I have contacted Bank of America over 20 times attempting to have the credit returned to my BofA checking account, and thus far have been unable to have the money returned. Most of the calls I am transferred around until I eventually hang up, but recently I have been told that the money is being transferred back to my account, only to never have it arrive. On subsequent calls, BofA claims they have no record of the transfer request, and that they will wire the money within 24-48 hours. 

At this point I am out of options. I have exhausted all avenues to have my money returned to my checking account, and I am hoping that the government can help this XXXX stay solvent. 

Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: OK

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
i have disputed this item and it still hasnt been removed, ive been waiting fr response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
False claim for debt was submitted to XXXX XXXX XXXX XXXX XXXX Maryland XXXX Inc. located at XXXX XXXX XXXX XXXX XXXX, COXXXX. The Agency ID # XXXX. Claim was made that the debt is long overdue. The agency calls constantly and harrasses us for a debt we do not owe. The alleged amount is {$290.00}. We have disputed this claim repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Applied for online checking account on XXXX & XXXX XXXX, 2022. Each time, after submitting requested information, I receive the screen " We can't open an account for you based on the information you told us. '' There was no other explanation. This is curious as I have over XXXX XXXX other checking accounts at smaller institutions, and actually had a $ XXXX Chase credit card years ago ( which I cancelled in good standing myself ). Chase 's website is totally useless for finding out additional information regarding this unwarranted application cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I was informed in XXXX of XXXX I had three defaulted student loans from XXXX. I had nor graduated from high school yet. These loans are not mine! The debt collector, ECMC has inky provided four pieces of documentation along with one forged promissory note. The bank said I did not have an account with them. I am unable to attend school due to this. I am submitting the identity theft packet with this complaint. ECMC has not verified this alleged debt in over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Im writing this complaint in regard to an unauthorized transaction of 1500.00 that was sent from my square account to user XXXX XXXX XXXX. I was a victim of Phishing and identity theft, someone accessed my account. My email address was compromised and this person accessed my accounts and sent unauthorized transactions. This was my rent money this scammer stole my money and I was unable to pay my rent now I am facing eviction, I wrote to a representative of square on the apps chat messenger and they refused to investigate what happened and refund me my money. They told me that the money came from my bank account but it didn't it came from square balance. i need someone to investigate this matter it is alarming that square allows scammers to use their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! 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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: NV

Complaint narrative:
This company is asking for a debt that I had no legal binding contract with them regarding. I am not sure if my alleged debt was sold to them or not, but I have no working knowledge of who this company is or why they've been sold this account OR are making attempts to collect an alleged debt on behalf of another company which whom I never gave access to send, share, or give out any of my personal information. 

Please see below for steps I am willing to take to correct this action ASAP. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Byrider Franchising, LLC
State: VA

Complaint narrative:
Account : XXXX XXXX XXXX XX/XX/XXXX I have wrote the credit bureau about this account being on my credit report. I have asked XXXX and XXXX to remove these accounts but I have not seen a change on my report. 

Account : XXXX XXXX XXXX : XX/XX/XXXX I have sent XXXX and XXXX a dispute letter asking them to remove the accounts. These accounts remain on my credit report and have not been removed. 

Account ; CNAC XX/XX/XXXX I have sent XXXX a dispute letter about the account being on my credit report. I have asked them to remove the account from my credit report but this account remains on my credit. 

I am not aware of any of these accounts and they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Hello, Complaint XXXX has not been resolved and situation has become worse. XXXX taxes now 3 months delinquent. 

Previous complaint was that taxes due on XX/XX/XXXX were not paid out by my mortgage company. As of XX/XX/XXXX they have still not been paid. 

In XXXX, PHH mortgage accepted an electronic payment on my account but did not " apply '' it. So I then saw in XXXX that they had my account as 33 days overdue and my auto payment had been turned off. 

On XX/XX/XXXX, I spoke to PHH and was told the XXXX payment would be applied in a few days but that I would need to do a one time payment for my XXXX mortgage. As directed by XXXX, on XX/XX/XXXX, I did a one time payment on the phone with XXXX. 

Today, XX/XX/XXXX, I see a payment deduction from XX/XX/XXXX of {$1600.00} AND on XX/XX/XXXX a payment deduction of {$1700.00}. My mortgage payment has been deducted now twice. HOW MANY PEOPLE CAN AFFORD THESE KIND OF MISTAKES? 

FYI : My taxes due in XX/XX/XXXX, were paid 4 months late. 

I am desperate for some help with the poor service and record keeping of a company that gets business from XXXX XXXX. PLEASE HELP ME thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I has used venmo a few times before without problem. On or about XX/XX/2021, I used venmo to send {$50.00} to another person. And venmo wanted me to provide personal information which I do not feel comfortable with. I immediately asked venmo to either cancel the transaction request or send the money to the other person. However, venmo refused to cancel the transaction and also refused to send the the money to the other person. On XX/XX/2021, despite of my written objection, venmo withdraw {$50.00} from my bank account, and insisted they are going to hold my fund indefinitely or until I provide personal information to them. Today, XX/XX/2021, they are still " in review '' my transaction, and according them, they are not going to finishing review until I provide them my PII. 

According to the FAQ on their own website, https : //help. venmo.com/hc/en-us/articles/360027356113-ldentity-Verification " If we're unable to verify your identity... You'll also still be able to make payments to others using a linked debit card, credit card, or bank account. '' Regardless whether or not they have legitimate reason to request PII, I feel I do have right to refuse and not use their service. They do not have my authorization to withdraw fund from my bank account. When they did take money from my account, they should immediately refund to me after my objection. However, they choose to ignore my request. What they are doing is bullying and robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( Experian, XXXX and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

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