vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filing to remove the fraud alert from Experian, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is committing fraud on an account. I reported the account to the credit bureaus, XXXX  deleted the account due to the fraudulent activity going on with the account. Capital One is now damaging my credit files ( XXXX  and XXXX ) because the company claims the account is restricted but open for payment. I've sent in the information numerous times the company asked for and the representatives continuously told me the information isn't being read correctly in the system. I need this business account removed due to the fraudulent claims made by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C2 Financial Corporation
State: WA

Complaint narrative:
Hi C2 Financial, XXXX XXXX XXXXXXXX, pays their Loan officers XXXX and also proxy based on the transaction. This needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I was a customer with XXXX for over two years. One of their customer service agents fraudulently extended my contract without my knowledge or consent. When I went to cancel my contract because I was moving to a new location that didnt offer XXXX service, they notified me that I had to pay a hefty cancellation fee of {$660.00}. I do not owe this money and the company refuses to help me, even after hours on the phone, including this evening where I was transferred and placed on hold for an hour and a half before hanging up. Its now listed twice on my credit report dragging my otherwise solid score down below where Im able to get a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filing to remove the fraud alert from XXXX, XXXX  and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filing to remove the fraud alert from XXXX, XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX I cosigned with my mother for a line of credit on her house. In XXXX of XXXX she passed away. I went into Bank of America with all the proper documents ( including the death certificate ) to have her taken off the loan. It took multiple trips meeting with multiple parties, to finally have this taken care of. All was well until XXXX of XXXX my mother 's name appeared on the paperwork again XXXX including tax documents ). I called Bank of America to have this corrected. I was told she would need to sign off or pay off the loan. I explained that she was dead and probably not going to be able to do either. The gentleman on the phone assured me that someone form Bank of America would be calling me within 48 hours to correct the error. Ten days later I received a letter ( NO CALL ) from Bank of America with condolences on my loss and instructions on where to send in the death certificate and all other perinate paperwork ( that was done eight years ago ).

I have been told by a previous employee that they put dead back on accounts to create a bigger customer base for their numbers ( CLASS ACT ).

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 2021-04-23 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: NJ

Complaint narrative:
A credit card from the XXXX XXXX XXXX went to a charge off and collection on a {$300.00} credit limit card in 2017. It was reported as a charge off on experian and transunion and closed. 2 years later I paid the XXXX XXXX XXXX  XXXX XXXX credit card {$360.00} on a XXXX limit Which ten charged me {$420.00} in late fees which is absurd and should be a crime. So I just didnt think that was ok after I already paid {$62.00} in late fees on top of original XXXX limit. I am XXXX and have XXXX XXXX and surgeries throughout this ordeal with neurological problems. The bank was very confusing and social worker couldnt even get in touch with collection agency because they changed twice. So numerous times I disputed this info with experian and transunion explaining I paid them {$360.00} the past year so instead of changing status of credit account on report They allowed a new collection agency consumer adjustments to add a new collection account to both my reports from 3 years ago on a closed charged off account. This is ridiculous Im trying to get my score up and as soon as it goes up a bit they allow a collection put in my report from 3 years ago that was paid not on original debt and original late charges but for and additional {$360.00} in late fees unbelievable Im XXXX on XXXX its hard for me to follow all these deceptive ways these companies work

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 2021-04-23 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: NJ

Complaint narrative:
A credit card from the XXXX XXXX XXXX went to a charge off and collection on a {$300.00} credit limit card in 2017. It was reported as a charge off on experian and transunion and closed. 2 years later I paid the XXXX XXXX XXXX  XXXX XXXX credit card {$360.00} on a XXXX limit Which ten charged me {$420.00} in late fees which is absurd and should be a crime. So I just didnt think that was ok after I already paid {$62.00} in late fees on top of original XXXX limit. I am XXXX and have XXXX XXXX and surgeries throughout this ordeal with neurological problems. The bank was very confusing and social worker couldnt even get in touch with collection agency because they changed twice. So numerous times I disputed this info with experian and transunion explaining I paid them {$360.00} the past year so instead of changing status of credit account on report They allowed a new collection agency consumer adjustments to add a new collection account to both my reports from 3 years ago on a closed charged off account. This is ridiculous Im trying to get my score up and as soon as it goes up a bit they allow a collection put in my report from 3 years ago that was paid not on original debt and original late charges but for and additional {$360.00} in late fees unbelievable Im XXXX on XXXX its hard for me to follow all these deceptive ways these companies work

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 2021-04-23 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:
so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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:
so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.

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 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I called XXXX XXXX in XX/XX/XXXX and ask for pay to delete my account. And they told me that they would delete the account after it was settled. They never deleted the account off my credit files. They just updated it as paid. I pay this debt on XX/XX/XXXX for the amount of {$860.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I was served a court summons on XX/XX/2021 for a debt I do not owe with no proof other then an Amount and a Creditor name XXXX XXXX XXXX  XXXX. I have been getting several spoof calls and voicemails from LVNV Funding LLC at all hours and days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Certified letters were sent to NCA XXXX National Credit Adjusters ) asking them to verify that this debt belongs to me and that they were the original owner of the debt with my signature, that I agreed to pay the amount owed. 
I never received verifying proof from them but they proceeded to damage my credit. I feel they are in violation of the FCRA, Balance : {$2600.00} Original Creditor : XXXX XXXX  XXXX Never Heard Of this Company )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In 2017 I cant remember the date my name is XXXX XXXX I had a bank account with Bank of America I remember my ex girlfriend using my XXXX  card for unauthorized transactions I was never able to dispute it because I was incarcerated at the time and its stopping me from getting a bank account with all major banks I would like to resolve this so I can have a bank 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 explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am at the chase in XXXX, CA off of XXXX XXXX and I tried to deposit a check into one of their atm machines. It told me it couldnt accept my check and requested I take my check back. Only I could see my check was stuck and was not coming out. I attempted to cancel the transaction and it was still lodged in the machine. This happened at XXXX so no one was around to help me retrieve my check back. After canceling the transaction the machine stated it would not be accepting checks however after rolling back around I noticed it was working in perfect order again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We took out a mortgage of {$440000.00} on XX/XX/21 on a new home with US Bank. We sold our prior home on XX/XX/21. We applied the proceeds from the sale of our prior home to the US Bank mortgage the following week. When the US Bank mortgage reflected the new remaining mortgage amount of {$4300.00} I requested they drop the PMI. In response they sent me a letter informing me that to drop the PMI would require a {$140.00} non-refundable assessment to determine " that the property value has not declined ''. They also stated that the assessment would have to be scheduled and then the report would take up 10 days from the assessment before they could review it. They also demanded that I present them a certification my expense that there are no liens on the property.

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 2021-04-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recently closed on an Ally XXXX XXXX Mortgage for a Refinance. During that time, I had suffered damage from the XX/XX/2021 XXXX Storm in Texas. 

I received a check from my insurance company, XXXX, in the amount of {$34000.00}, Check # XXXX for XXXX XXXX : XXXX. Due to Ally having no branches, I was unable to obtain endorsement. 

On XX/XX/2021, XXXX XXXX XXXX Ally Closing Expert ) suggested that I could deposit the insurance check via mobile deposit meanwhile, I wait for the Authorization Form to be sent to XXXX However, he requested that I wait until the Authorization Form was completed and sent out. 

On XX/XX/2021, I chatted with XXXX XXXX Ally Customer Service Representative ) and she stated I can deposit the check with no issue. 

On XX/XX/2021 at approximately XXXX XXXX, I spoke with XXXX XXXX XXXX Ally Closing Expert ), who stated that the Authorization Form was awaiting the signature of XXXX XXXX XXXX Ally Post Closing Manager ) and that I can now deposit the insurance check. 

Shortly thereafter, I deposited the insurance check via mobile deposit. 

On XX/XX/2021, at approximately XXXX XXXX, I received an email, stating that Ally could not complete the deposit, Deposit Reference # XXXX. It cited the following reason : " We weren't able to complete this Ally eCheck Deposit because we require that you mail in travelers checks, money orders, and postal money orders. '' It then provided an address to mail a check. 

The insurance check is not a travelers check, money order, or postal money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30  days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried reaching out to those who requested inquiry and was not 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