vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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:
Equifax is reporting the same account from XXXX XXXX XXXX twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. Equifax added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as Equifax states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The day after filing a report with the Consumer Financial Protection Bureau involving TransUnion, TransUnion has retaliated by placing something negative on my Transunion credit report. This morning XX/XX/2021 labeled a department of education account derogatory. The Department of Education and XXXX are duplicate or morphed accounts ; that no longer exist. I have attached printouts.

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 2021-04-13 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: PA

Complaint narrative:
My complaint is a general one after dealing with XXXX and Equifax today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Hello, This morning ( XX/XX/21 ) I received a call at about XXXX XXXX saying that {$340.00} was charged to my XXXX card for an order at XXXX. If I did spend this money I was to do nothing. But if I did not spend this, I was to call this number XXXX XXXX XXXX XXXX. I did not spend this money, but rather than calling this number, I chatted with an XXXX representative through the customer service section at their website. The XXXX associate told me this phone number was not associated with XXXX, and then verified that nobody from XXXX called me. He also told me not to call the number and not to give out any of my credit card info. The associate gave me a link to send this report to you. 

Thank you for your attention to this matter. 

Sincerely,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CT

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN 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 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked informati
on. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX  should not be reporting to Equifax ; XXXX  and Transunion a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX  granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove 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 2021-04-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX  should not be reporting to XXXX ; Experian and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove 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 2021-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a court ordered custodial savings account for my daughter with JP Morgan Chase Bank. In XX/XX/2021, my daughter became of legal age to access the funds. Since which time I have been attempting to close the account. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on three occasions. I was told the documentation provided to me by my lawyer was not sufficient to close the account. However, the bankers could provide no guidance on what documentation was required. 

I went to court on XX/XX/2021 and obtained a signed court order requesting that the hold on the account be released and the account be closed. I provided this documentation to Chase. At which time, I was given no guidance on the process or the time-frame to close the account. It has been several weeks and no one at the branch can tell me when the funds in the amount of {$25000.00} will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was approved of a Citi XXXX credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. 
The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. 
On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. 
I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. 
This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.

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 2021-04-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX  should not be reporting to Equifax ; XXXX and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I called LVNV Funding, which redirected me to Resurgent Capital Services, on XX/XX/21 at around XXXX XXXX. 

I spoke to a representative named XXXX to ask her to send a letter of verification of this debt, which I have already disputed with the credit card company and it's said to be within " FCRA requirements ''. This debt is not mine. 

XXXX told me of a " cease and desist order '' that was placed on my account and that it had to be lifted before any debt verification letter could be sent. I gave no such cease and desist order and told them to lift it so I can verify the debt. This company illegally put a cease and desist order on my account, without my knowledge, so they can try and sue me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX CommonWealth Financial Systems presented me with a letter via mail, about a debt in the amount of {$270.00} for a medical debt with the original creditor being XXXX XXXX XXXX, original acc # **********-****XXXX. They advised me that my account had been placed with them for collection and to remit payment. I remitted a payment in the amount of {$190.00}, a discounted amount offered in the letter to resolve this account. A account that had been held by XXXX  XXXX XXXX ( XXXX ), a debt collection agency. However, Account Resolution Services was contacted after this was paid through XXXXommonWealth Financial Systems ( paid on XX/XX/XXXX ), and they disclosed that this particular account, On XX/XX/XXXX, the business XXXX, provided the following information : " We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX has had three accounts placed with us by our client, XXXX XXXX XXXX, XXXX. XXXX number XXXX for a balance of {$240.00} and reference number XXXX for a balance of {$270.00} were recalled from our office by our client, those accounts were deleted from the consumer 's credit report at the time of closure. Our office does still have one active account for the consumer. Reference number XXXX for a balance of {$260.00} for services rendered on XX/XX/XXXX remains with us. '' Thus, I was contacted by CommonWealth Financial Systems fraudulently, in a successful attempt ( as I paid what they asked ) to collect on debt that no longer existed. I reached out to CommonWealth Financial Systems and was sent a letter by them, showing they had been paid, and this debt was no longer due. I would like to report this company for their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We owe more than 20 % on equity and we formally request to pay our own escrow. And we normally don't need to pay for mortgage insurance but this mortgage company still collect mortgage insurance from us. Our annual state taxes has been payed directly to the state of Maryland and hazard insurance witch is part of the escrow has been payed as well directly to the insurance company. But the mortgage company still send the bill with all these to be paid to them. 
Secondly, we don't get any explanation when the mortgage company decide to raise our monthly bill. From 2016 our bill was {$980.00} and nowadays we are paying {$1000.00} with no explanation. 
Thirdly, our monthly statement does not include the amount of money that we previously paid. The statement don't give us a escrow breakdown. 
We need this breakdown for us to calculate how much money goes to our principal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
To whom it may concern : I have a home, XXXX XXXX XXXX XXXX, NV XXXX. Rushmore Loan Management Services is servicing the loan. I am an additional person to be considered on the loan. Ive sent Rushmore a completed loan modification application and all supporting documents requested via certified mail twice. Despite me having a receipt from USPS saying otherwise, Rushmore has said the loan modification documents were never delivered or lost twice. 
I would appreciate it if the Consumer Financial Protection Bureau could investigate and help me figure out when we can expect our loan modification. 
Thank you in advance for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
A temporary vet took unauthorized X-rays of my dog, then never sent them to my 'usual ' vet or myself. They wouldn't let me leave with my dog until they were paid. I disputed the charge with Capital One, gave them all the info they requested, then they denied it and asked for completely ridiculous information : " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice. '' My vet and another vet both said they would have to charge me to provide anything on a letterhead. If Capital One needed this information, then they should have gotten it themselves. 
Capital one ruled against me and closed the dispute and refused to reopen it. 
I refused to pay the disputed amount, closed my account of 10 years with Capital One, and now they email me daily with no way to make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: U.S. BANCORP
State: NY

Complaint narrative:
There is a mortgage reporting on my credit as a derogatory loan and I have never had a loan with US Bank - this account needs to be removed ASAP as I am applying for a business loan and this was flagged on my credit application. This must belong to someone else. I tried to call and write with no success.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Transworld systems Inc sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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:
XXXX should not be reporting to Equifax ; XXXX  and XXXX  a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation