vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 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: PR

Complaint narrative:
I HAVE THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX  SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A credit card application for Bank of America was placed in my name on XX/XX/2022. I received the actual credit card in the mail on Thursday, XX/XX/XXXX. I called Bank of America as soon as I received the credit card informing them that this card was fraudulently opened in my name. I informed Bank of America that I wanted this card closed as soon as possible. I also was informed that a change of address was also placed in my name, but I am not moving from my current address. I am currently contacting the XXXX XXXX to report false of address change. 

Thank you, XXXX 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a safety deposit box with Chase - XXXX in XXXX, Michigan. In XX/XX/2022, I noticed an important item missing. Also. it is my understanding that checks in the box may have been copied. I wanted the video footage of the last 5 times I went into my box. I was told by a Chase personal banker that I need to get a subpoena. This should not be the case where I have to hire an attorney and then go to court. In the meantime. I am being charged an annual safety deposit fee of {$80.00}. This should be waived, especially since it is making my account overdrawn. The activity of what happened to this box is a part of a federal investigation. I ask you to consider the matter of high importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
PHH mortgage has my mortgage. I had hail damage on my home. When I called to file a claim I discovered that PHH had failed to pay my premium from my escrow despite having received letters from the insurance agency stating they hadnt received payment and were going to cancel the policy. They then stated they had put their own policy in place but have yet to approve an adjuster to come assess damage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXXXXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) XXXX, XXXX, and TransUnion have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.

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 2022-08-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) Experian, XXXX, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.

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 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received a letter from Midland Credit Management attempting to collect a debt dated XX/XX/XXXX. I do not believe that I owe this debt. Upon reviewing my credit report I see that this debt is listed on my XXXX, XXXX and XXXX reports, I also see that there is a note on all reports that it is in dispute. I looked in my old files and see that I sent a debt verification letter on XX/XX/XXXX in response to a Pre-Legal letter that I received from Midland dated XX/XX/XXXX. I have never gotten a response to my request and am needing to verify that this is a debt that I actually owe. I have attached copies of the letters that were send and the certified mail receipt showing that Midland Credit Management did receive my request. I have had debt collection agencies try to collect on debt that I do not owe or old debt that I have already paid off or settled. I need Midland Credit Management to verify that they actually have the authority to collect on this debt. I've reached out to XXXX XXXX XXXX and have not gotten a resolution and also they are offering me new credit cards now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: MD

Complaint narrative:
I have an inquiry from Equifax Mortgage Services on my report. I informed Equifax I have not applied for a mortgage and it should be removed. 

I let Equifax know when I filed the dispute that I did not make this inquiry. 

The Equifax response to my inquiry was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

I did NOT authorize this inquiry because I am not seeking a mortgage, nor do I have a mortgage with any company. This must be some sort of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, 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 non-monetary relief
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, 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 2022-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF EDXXXX. Posted XXXX on Experian Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
When suntrust turned into truist my existed suntrust account was transferred. A banker then opened XXXX additional credit card accounts. When I went to a branch to close them they convinced me it would hurt my credit score and I should keep them open.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX  never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MD

Complaint narrative:
Transunion has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Transunion is willfully furnishing this incorrect information. Transunion stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Transunion also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Transunion did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Transunion verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX AS REPORTED

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 2022-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IA

Complaint narrative:
At the end of XX/XX/XXXX I got a loan from XXXX XXXX XXXX XXXX to buy out my lease of a XXXX XXXX XXXX XXXX. The loan agent at XXXX XXXX wrote the loan for the wrong amount- it was short about {$300.00}. XXXX claimed that they sent the loan check back to XXXX XXXX multiple times but XXXX XXXX never received it. So in XXXX of XXXX, I made an additional payment for {$300.00} and XXXX XXXX asked XXXX to cancel the check and reapply the funds to the account. They agreed and said that it would be taken care of and the title would be sent to XXXX XXXX. As of today, XX/XX/XXXX, the title still has not been sent to XXXX XXXX despite the fact that they have had all of the money and information for six months. I have been calling bi-weekly since XX/XX/XXXX and have talked to hundreds of people there, but still have not had any resolutions. They continue to tell me that the special agent is the highest person I can speak with and they can only email the next person, as payment and processing " does not take phone calls ''.

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 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: NE

Complaint narrative:
XXXX. Received letter XX/XX/2022 from collection agency stating debt owed. 
XXXX responded by fax of XX/XX/2022 not responsible for debt XXXX. Received e mail on XX/XX/2022 from collection agency of response recived. No acknowledge of faxed received. 
XXXX. On XX/XX/2022 responded to collection agency by e mail. Included all information that was faxed on XX/XX/2022. 
XXXX. Received a letter on XX/XX/2022 dated XX/XX/2022 from the collection agency, That we had not responded. 
XXXX. This is obviously harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
Simons Agency was provided with the dates that I had coverage for my son which started XX/XX/2017. They were informed numerous times to resubmit claims to NJ XXXX as the services should have been covered. The hospital did not bill to the correct insurance company. Also, the debt belongs to my son and not me. I have sent all the information to Simons Agency hoping they will quickly remove the incorrect information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am being harassed by a debt collector that has not sent anything verifying that I currently owe a debt. I owe no one money as I have made sure that all of my debts are paid off. If this company inserts a debt on my credit report then it is in violation of the FDCPA & will be sued in small claims court. I have no problems going through the process because I have nothing but time & will not be bullied by debt collectors whom I owe no money to. Im sending this letter because I know without a shadow of a doubt that this information can not be produced

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MECHANICS BANK
State: AL

Complaint narrative:
I was part of a fraud scheme where I was hired for a job, instructed to make purchases on my credit card to be reimbursed by the company I was hired at, I was reimbursed, then two months later the reimbursement payments were flagged as unauthorized and returned to the company 's bank leaving me with an unpaid bill. I was told to pay off my card balance initially then make the purchases. I contacted Mechanics Bank on XXXX and was told they could not help me because I was not on the account and did not let me file a claim with them. I do not have an account with Mechanics Bank, but I have all the account info that was given to me to authorize my reimbursement and attached the conversation showing authorization. 

XX/XX/XXXX I paid {$1100.00} from Mechanics Bank to my XXXX XXXX card XX/XX/XXXX I charged {$5800.00} to my XXXX XXXX XXXX XXXXXX/XX/XXXX A reimbursement of {$5800.00} was processed on my card from Mechanics Bank XX/XX/XXXX I was informed that my payments from XX/XX/XXXX and XX/XX/XXXX had been returned to my card and the balance was shown as unpaid XXXX Contacted Mechanics bank and they said they could not help me nor could I file a claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. As of XX/XX/2022, I had a scammer calling me using Wells Fargo bank phone number XXXX ( XXXX ) XXXX the persone acted like someone from was using my bank info, after verifying my information he logged into my bank account he XXXX himself {$1000.00} Wells Fargo do not want to refund me the amount.. please help me please and 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 non-monetary relief