vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is now my fifth complaint about BOA and I will not stop until my unemployment benefits are given to me. Ive had to claim this income that I never received on my taxes so Ill be XXXX  if Im not going to actually receive it. This is why there are numerous lawsuits against BOA for doing a horrific job at protecting our unemployment benefits from fraudsters. Again, I never received my card when I applied so I assumed I was not approved. Months later is when I saw the emails in my spam folder that I was approved. I contacted md unemployment and had to go through a ton of hoops to verify my identity. Which I did. I then alerted BOA. A claim was submitted for XXXX. I was told numerous times Id receive my provisional credits within days. It never happened. Ive filed multiple complaints about boa and have recently been contacted about joining a class action law suit against boa for not handling our benefits accordingly. At XXXX time I was very loud on BOA XXXX page and have many people following my story. I wont even get into the horrific events that occurred in my life because of boa negligence because its all been said before and no one cares. Boa are liars and cheaters. Just like the handling of these complaints. Ill receive a professional looking emailing stating its so and so and they will now be my point of contact and to get in touch within so many days. However they never respond to the phone calls or emails. Im convinced the names signed on the email are not even actual people. Boa has hurt so many American citizens throughout this pandemic and need to be held responsible for the lives theyve ruined, and the lives taken because people were at their end due to boa negligence. I was told several times that my claim was approved and id receive the funds then I never do. I dont know where theyve sent any correspondence bc Ive yet to receive anything from them. Which isnt surprising beings they sent my card to a completely wrong address.

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 2021-04-27 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my XXXX  report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
MERCANTILE ADJMNT BUR XXXX XXXX  SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX ID XXXX XXXX ON XXXX  REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XXXX  REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH has proceeded with foreclosure despite the eviction moratorium - The scheduled sale date is XXXX, 2021. 
They deny me of all options to try and keep my home of XXXX. I am a XXXX old single woman with medical issues due to an on the job accident with XXXX XXXX ( currently in appeals court ). 
PHH has added over {$100000.00} in penalties to my loan making it not even worthwhile to sell. Can they do that? Is this negotiable? 
May I ask ... Is there a Mortgage forgiveness program available? And how do I qualify for a modification?

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 2021-04-27 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 {$1000.00}, {$1100.00}, {$2300.00}, {$0.00}, {$710.00}, {$5100.00}. 
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 ACCOUNTS 1. XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

2. XXXX  XXXX  XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

3. XXXX  CARD with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- AUTO ACCOUNTS 4. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account.

6. XXXX  XXXX  XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive applied for mortgage loans and have been denied several times. Transunion continues to tell me to call my banking agency and my banking agency says that they report within 48 hours of statement close. My credit score has been affected as well as my eligibility for certain products. My XXXX credit card has a XXXX balance, XXXX XXXX checking line of credit has a XXXX balance and my XXXX XXXX  cash rewards card has a XXXX balance.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter stating my XXXX credit card account was closed due to lack of real estate which makes no sense since i didnt have real estate when i got the card. No other notice or warning - and now my {$5000.00} limit is gone and my credit report shows account closed by guantor which hurts my score overall.

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 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and Transunion were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. XXXX did even give a course to even respond.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and XXXX were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. Equifax did even give a course to even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
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: U.S. BANCORP
State: FL

Complaint narrative:
I paid my auto loan off with US Bank on XX/XX/XXXX and the payment cleared on XX/XX/XXXX. As of XX/XX/XXXX I have not received a paid in full letter in the mail and after calling again on XX/XX/XXXX ( fifth time calling the company XXXX my information has still not been sent to the state of Florida for my lien to be removed from the electronic title. 
According to the Florida ELT Lienholders Guide, " Lienholders are responsible for delivering a lien satisfaction and the certificate of title indicating the satisfaction within 10 working days of receipt of a final payment as defined in s. 674.215 ( Chapters 319.24 ( 5 ) ( a ) and s. 674.215 F.S. ). '' I've given this information to US Bank and they have not done anything other than note it down and " escalate '' the situation. It is affecting me financially as I can not update my car insurance to remove the lienholder and I can also not get my XXXX  coverage refund without my paid in full letter. I've been lied to by their representatives several times ( At first I was told I'd have the paid in full letter in my hand within 15 business days of payoff, then I was told it would only mail within those 15 days and that it had been mailed XX/XX/XXXX, then I was told nothing got mailed on XX/XX/XXXX and I would get it within 15 days of the account being reported as closed to the credit reporting agencies ). They have made no attempt to remove their lien from my title that was paid in full a month and a half ago, and have not made any attempt to send me documentation that the account has been paid in full.

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 2021-04-27 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: AR

Complaint narrative:
I sent a letter to Equifax stating that they had violated 15 U.S Code 1681b Permissible purpose of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I stated to Equifax that I gave them no consent to report anything on my consumer report. 
I told Equifax to delete these inaccurate accounts off my consumer report. 
They instead verify the inaccurate information. The accounts that I disputed are enclose in the pdf I attach to this complaint. I also enclose the dispute letter I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: DE

Complaint narrative:
on XX/XX/21 and XX/XX/21 submitted an FTC report with accounts that are not mines. These accounts are still on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
Mailing me multiple letters which are false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express : I have a credit balance on the card of over {$12000.00} that I have been trying to get returned to me but being put thru a continuous loop of verifications to return the funds to the same bank account that they have getting payments from for over 10 years ;

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am recieving a bill from a collection agency from XXXX in the amount of {$480.00}, this bill is because they say I didn't turn in my phone when I changed services I disputed this and got negative results. 
I did turn in that phone and being XXXX I never asked for a receipt. But I was not offered one at the time and thought it would be taken care of. 
I believe one of employees may have taken the phone because when I contacted XXXX they had no record of this. I don't know what to do. I don't want to pay this bill, it will be paying for something twice. What are my options

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Capital One Auto Finance was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed they then repossessed the vehicle in which they clearly had no intrest in pursuant to 1692e and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX XXXX Lien search was done Name dosent come up with a lien complaint was filed to the nys attorney general Intake Reference Number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Opened an account with suntrust bank on XX/XX/XXXX. Moved from out of state and deposited my life savings. Account was rejected on XX/XX/XXXX with a letter stating my check would be mailed to me within 15 business days. I called and was told I needed to submit 2 forms of ID and a notarized letter from my previous bank in order for my money to be released.Submitted the paperwork TWICE ON XX/XX/XXXX AND XX/XX/XXXX saying it would be processed within 24-48 hours. CALLED AGAIN TODAY XX/XX/XXXX AND NEED MORE DOCUMENTATION! I havent had access to my money from XXXX goin on XX/XX/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