vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate I was involved in a car crash, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 5. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate 6. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please ensure that all information is accurate 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: CA

Complaint narrative:
Experian has a continuing investigation regarding my XXXX XXXX account, over which I have complained about previously. It continues to be reported inaccurately, although I have provided Experian documentation that includes the most recent statement and a recent letter from the furnisher confirming that there is no balance owed ( there is currently a credit balance owed back to me ). Separately, the furnisher represented to me that XXXX addressed the dispute request from [ me ] and from a consumer reporting agency on [ my ] behalf on XX/XX/XXXX. At that time, [ XXXX ] investigated [ my ] dispute and mailed [ me ] the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' As I understand the furnisher 's policies, they normally update reporting once each month. A review of my credit report history with Experian confirms this representation and I have since been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Notwithstanding the aforementioned, my Experian report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. The inaccurate reporting is negatively impacting my credit scoring and I am unable to move forward with my mortgage application until it updates. I simply do not understand why this is happening.

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ON XX/XX/2023 BANK OF AMERICA XXXX XXXX WENT INTO MY PERSONEL CHECKING ACCOUNT I HAVE WITH THE FINANCIAL INSTITUTION AND TOOK {$590.00} WITHOUT MY CONSENT OR PRIOR WARNING, FOR AN ALLEGED DEBT THE INSTITUTION CLAIMS I OWE. BANK OF AMERICA HAS NOT PROVIDED ME WITH MY WRITTEN CONSENT OR A COURT ORDER THAT ALLOWED OR GAVE THEM THE RIGHT TO INFRINGE ON MY LIVELIHOOD BY SEIZING FUNDS THAT WERE ALLOCATED TO PROVIDE FOR THE WELL BEING OF MY FAMILY AND HOUSEHOLD PURPOSES.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a long time customer with JP Morgan Chase dating back to when they acquired my account from Washington Mutual in XXXX. I have had a safe deposit box that was free for over 10 years with them. They sent mail notices out stating they are instituting a {$65.00} box fee which I never saw. They are refusing to credit my account for the annual fee even though I will be removing my items from the box and closing the box now that I know regarding the changed policy and {$65.00} fee. I would like to report them for not trying to notify long time customer by other methods other than US mail which can be lost and not seen for various reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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:
MY IDENTITY WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THESE ACCOUNTS FROM MY CREDIT REPORT. I HAVE REQUESTING IN WRITING MULTIPLE TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: IL

Complaint narrative:
Credit Control LLC are attempting to collect a debt that has not been validated by any means. This information is potentially harmful to my credit and I have given no written consent to communicate with me

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 2023-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute on XX/XX/2023 and didn't receive a response until XX/XX/2023. Which is illegal and violate the credit reporting laws and acts establish. You will remove all mentioned accounts bleow or legal action will be taken to the furthest extent of the law. 15 U.S.C. 1681 states that you must reply and respond within 30 days of received dispute ( s ) and you have clearly blatantly ignored and violated my requests. Ive attached the letters i sent to your bureau!! This is my final response to you which is giving you a chance to cure my inaccurate credit reports. This is what i wrote to you on XX/XX/2023 I Am A natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Account name : XXXX XXXX XXXX XXXX NUMBER XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
This is my formal complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXXACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/2023, I deposited {$1700.00} into the atm at Citizens bank in XXXX, RI. The ATM returned {$20.00} then said there was an error. The ATM tried to return the rest of the money and you could hear it trying but nothing came out. When I tried to ask it to return the money it said an error has occurred but no receipt came out or error paperwork. The money ( {$1600.00} ) was never credited to my account. I called the bank while at the ATM and they said they would call me within 24 hours. I never received a call. My boyfriend and I called on XX/XX/2023 and spoke with someone. They said no one was suppose to call us and they need to count the ATM. However, on XX/XX/2023, the branch where the error happened, a technician went to the atm that morning. So, they did send someone out there. I found this out by calling the branch on XX/XX/2023. I spoke with a supervisor at Citizens Customer Service named XXXX. He said they put an expedited claim in but they still havent contacted us or anything. We havent had our account credited or anything. We got the feeling that unless we really push this, we wont be returned the money. That money was from both our jobs and is meant for our bills that we are now late on. We called our car insurance to try and explain the situation. They understood but couldnt promise anything like our insurance lapsing. Which will cost us extra money. 
The atm has cameras so they should be able to see everything that happened in case there is an error with the atms software and it doesnt report the logs properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Unfortunately due to the death of our mother and my father health condition ( XXXX ) caused them to fall behind on their mortgage. My fathers decision was to sell the home as he won't be able to maintain the property in his current condition. Our real estate agent submitted a short sale package to PHH on XX/XX/2023 they submitted the necessary documents to start the short sale. On XX/XX/XXXX, they were advised that the document for us to be added a Successor in interest was completed and now we can move forward. On XX/XX/XXXX, they submitted the remaining documents for the short sale. They followed up on XX/XX/XXXX and were told that due to CFPB guidelines we could not be reviewed for any loss mitigation. The representative was unable to explain to them what that actually meant. They requested the denial letter in hopes there would be a clearer explanation as to the denial but as of today they have not received it only response is that they are working on the denial letter. I tried to locate the CFPB guidelines which states that we can not be reviewed for any loss mitigation option and all I was able to find was that they have to review within 40 days of auction which we do not have an auction at this time. So as of now we are at a stand still because we don't know the real reason of denial.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I received written notice from Caine & Weiner ( C & W ) on XX/XX/XXXX re a debt they were attempting to collect for XXXX XXXX XXXX in the amount of {$27000.00}. 
On XX/XX/XXXX I called C & W, as I had not heard from them. I called XXXX, the number on the letter received, at XXXX, and XXXX. I was disconnected while on hold twice. I then called back & asked for a direct #, was given XXXX, and left a VM for XXXX. I called back on XX/XX/XXXX as I had not received a call. I spoke with XXXX who said she had called and left a VM but that is an untruth ( cell phone records can verify no call or message ). I explained the situation and offered an amount of {$17000.00}, which was the actual amount I received from XXXX. XXXX said she would contact XXXX with the offer and get back to me by phone and/or email. I tried to send an email to the website listed on the correspondence on XX/XX/XXXX, since I still had not heard back from XXXX. The address is invalid and neither XXXX or XXXX  servers will send to it ( I have screenshot confirmation ). I followed up and left messages for XXXX on the XXXX #  on XXXX, XXXX, XX/XX/XXXX. I never received a call or email from XXXX or anyone else from C & W. I then saw a missed call from the C & W XXXX #  on XX/XX/XXXX @ XXXX. They did not leave a message. I received another letter from them asking for me to call to resolve the debt dated XX/XX/XXXX but didnt receive in the mail until XX/XX/XXXX. I then was notified of a charge off on my credit report thru XXXX on XX/XX/XXXX. 
I believe I have acted in good faith to try to resolve this debt. C & W however has not engaged or returned my phone calls, but rather went straight to collection after just one conversation where the action item was on them to discuss with XXXX and get back to me with an answer. The only conversation I had with C & W was on XX/XX/XXXX. They have not only acted in bad faith by not engaging in conversations to resolve the matter, they also have an invalid email address, and multiple phone numbers on the correspondence. I feel they are less than professional and even appear to be a shady organization. I have submitted disputes re the charge off to all 3 credit agencies. Happy tp provide all documentation if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I always paid on time, and this giving me XXXX  I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
1. I was granted homestead exemption for my property located in FL for this year, Since the start of the year Fay servicing has yet to attach to my account.

2. Once my mortgage was switched from my previous lender that I actually obtained the loan from, my payment has doubled without any knowledge or notice. I reached out to Fay servicing asking for an explanation just to get a response stating that they didn't know why and that I had minimal information in my account.

3. I advise them I would like this resolved asap for me to be able to continue making my monthly payments, I have not received any corispindice from the company since in regards to this situation.

Company response to consumer: Closed with explanation