vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been a year that I've been disputing this credit card off my credit report. The only response that I've been getting that it's verified. Well I want to know who verified it? Also I want to know were is my signature on the letter stating that I owe them. By law in 30-60 days if there is no response of proof stating that I owe them. It needs to be remove off my credit report! I am getting harass and I feel threatened for my life! I don't know anything about this account. Please remove it out of my life!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: PA

Complaint narrative:
Company has been asked to provide proof of any debt on 3 different occasions but has not. Asked to stop calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: FL

Complaint narrative:
I received a copy of my credit repot and noticed multiple fraudulent charges. few years ago while driving working on the road I misplaced my wallet.these accounts are stopping me from obtaining credit.

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 2021-04-19 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: FL

Complaint narrative:
I received a copy of my credit repot and noticed multiple fraudulent charges. few years ago while driving working on the road I misplaced my wallet.these accounts are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX XXXX Capital On Auto finance applied the car payment to the wrong account then reported it to the Credit Bureau that it was late. In XXXX of XXXX the reversed the payment back to the correct auto loan. 
In XXXX they again put the loan payment in the wrong account. 
It is now XXXX of XXXX we have been trying to get this cleared up and get an accurate accounting. It has been reported 4 times for late payments to the Credit Bureaus since we noticed the error in XX/XX/XXXX. 
XX/XX/XXXX the vehicle XXXX XXXX was totalled. We are now withholding payment of the totalled vehicle from the insurance company until this has all been resolved and reported correctly. 
We are being held XXXX on financing another vehicle. 
We have contacted Capital One they have taken notes on the accounts but nothing has been done and we continue to get the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased a XXXX  refrigerator from Homedpot in the amount of {$1500.00} Delivery scheduled for estimated XX/XX/XXXX. 
I phone to move up date because I already had a broken refrigerator and lost food. 
New date XXXX no show no call no email no tex rescheduled date XX/XX/XXXX Homepot delivery person called 1/2 hour prior to delivery notifying in route. 
upon unloading a brand new refrigerator from the delivery truck down to the ground he states that it is damaged and I can refuse it. 
My concerned is that I was eating pantry food without a refrigerator for a month. 
XXXX failed to provide the vendor Homepot a on time delivery and a new boxed refrigerator undamaged. 
I also agreed to have the water ice machine connected and in working order. Which was not connected and or is not in working condition.

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 monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
I received a letter from the collection agency in XX/XX/XXXX when I called to ask what this debt was for and was told it belonged to XXXX XXXX. I explained that it could not be because I never had an account with XXXX XXXX in the last 8 years I asked for a validation on more than one occasion but they refused to send me anything. I checked my credit report to see what was going on. When I look at my credit report, I noticed that in XXXX  there is a Mountain run Solution account that explains that the account is for a loan, like a charge account, and the credit limit increased from {$1500.00} to {$2500.00}, I did not. recognize this. account. I went to XXXX XXXX credit report which says I have been making payments since XXXX with no late payments and my balance in XXXX was XXXX. Then it shows up in collections and I don't understand why. I have never made any payments to an account like this, because that is not my account, and I have never seen that account on my credit report before. I check my credit report every year, and this account was never there, and it just popped up last year. I filed a dispute with the credit bureaus and they told me that the account is accurate because the collection agency says so The credit bureau as XXXX  and XXXX, they asked me to prove that it is not my account, I told them that I can not prove it because there is no way I can prove any account that is not mine. I called the original creditor and asked about this account. And they said my last payment was in XX/XX/XXXX and the account was sold to Perfection Collections in XX/XX/XXXX. What the XXXX XXXX solution is doing is using the information they have about me in my previous 8 year account and making it looks like the most recent account I asked you for a payment history to confirm the last payment I made. When I saw that this is not this account and it is for another account. I do not know what to do. Every time I call they tell me that I have to pay because this account is mine. I have asked for validation and they do not send me anything. I have proof of the last payment I made to the original creditor. I sent it to the credit bureaus and they tell me it is not proof enough. The original creditor can not give me information because those accounts were sold to collections. This accout is not mine. I will provide you with my original creditor payment history and what is shown on my credit report. I have been monitoring my credit for years with no late payments for the last 6 years, and this fraudulent account is affecting me emotionally. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: AL

Complaint narrative:
I recently sent a dispute letter to XXXX  and XXXX XXXXn XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-19 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: AL

Complaint narrative:
I recently sent a dispute letter to Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, I placed an order on XXXX in the amount of {$120.00}. 

On XX/XX/XXXX, the tracking information showed that the delivery was signed for by XXXX XXXX, and documents obtained from the post office confirm that. This individual is not an authorized recipient for the intended delivery address, and the handwritten delivery address under the signature is substantially different than the delivery address that was provided to XXXX. ( See attachment-1 ) On XX/XX/XXXX, documents provided by XXXX supporting the validity of the charge confirm that the package was improperly re-routed to an incorrect address, and that it was signed for by XXXX XXXX ( See attachment-2 ) Because my original dispute was on the grounds that the item was not delivered, I believe that these two documents are sufficient proof that the package was not delivered to the intended recipient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Please, help me. I am XXXX XXXX XXXX, a retiree, XXXX y.o.. XX/XX/XXXX I received hearing aids, order # XXXX from XXXX mailto : XXXX with total cost of {$450.00}. Upon opening of received package, I found that instead of ordered item ( hearing aids X3 ) they sent me an outdated cheep version X2 ( {$270.00} ) and no batteries ( {$49.00} ). The same day I contacted the seller requesting return address and full refund. 
XX/XX/XXXX I sent back to seller the received order ( USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX that I sent to seller ). Realizing with what company I have deal, I initiated a dispute in my local bank XXXX XXXX, ph : XXXX, Branch ManageXXXX XXXX XXXX XXXX that issued me credit card I paid for the order. In few days the bank credited me the seller charge of - {$450.00}. During following two month, i didn't get any information from the bank, nor from the seller, but found that my bank reversed my credit charging me {$450.00}. From XX/XX/XXXX til now, I many times visited my bank asking for protection and three times ( for their requests ) presented them set of documents supporting my case. During this time no documents related my dispute I have received from bank. In my last talk with the bank manager XXXX XXXX, I was orally informed me " that the seller can not return money to the bank, but can it return to me ''. 
After this ( about XXXX week ago ) in the third time, I sent all documentation and request for refund to the seller. ZERO result. The seller just ignored my E-mails. 
I can send you all documents, mail exchanges and USPS receipt with tracking #. 
PS : At time I wanted to initiate dispute at Santander via their site, I realized that Santander revoked this option offering instead to do this by phone that never answers. 
I called 8 times ( spending each time between 10-15 minute ) and never got response. 
This is why all my interaction with Santander was during my visit to their local branch. 
Please, help me to get my refund. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, MA 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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IN

Complaint narrative:
I have been working with the XXXX XXXX XXXX to pay my past due mortgage balance. They submitted payment on XX/XX/21. This has not been applied to my account. My mortgage is held by XXXX XXXX XXXX XXXX and serviced by XXXX. I have contacted the servicer regarding the missing payment and incorrect mortgage statements. I called on the following dates and spoke to representatives and the statements still haven't been corrected. XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I have spoken with the servicer seven additional times in XXXX in an attempt to have them respond to the XXXX XXXX XXXX. They provided then Program with an incorrect monthly payment amount and still have not corrected this information. My loan is still being reported as unpaid and past due. I have spoken to customer service, loss mitigation and collections. No one is able to take accountability or solve the actual problem. They do not return follow up calls even though they say they will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX. 
I had some issues with my income being affected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. CAPITAL ONE AUTO FINANCIAL # XXXX account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to be contacted via email, phone call, or my P.O. Box. Chase Bank credited me in XX/XX/2021 for {$390.00} and some change. The case was closed after I provided evidence that could not be disputed. This Merchant has made mistakes before and the cancellation policy has NOT prevented me from being credited before because the liability was on the Merchant. Two weeks ago in XX/XX/2021 Chase Bank unlawful took {$390.00} and some change out of my bank account. I want Someone federally prosecuted for reopening this case without calling me and emailing me proof and taken {$390.00} and some change out of my bank account. People are obsessing over my private belongings and need to be arrested immediately without excuses. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: IL

Complaint narrative:
My personal profile account with the CRA shows in-accurate accounts posted to my profile which are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: GA

Complaint narrative:
Im a victim of identity theft! I sent in a police to Equifax and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a request to opt of LexisNexis reporting via the online opt-out form XXXX XXXX XXXX. As of XX/XX/XXXX I have not received confirmation that my request has been processed. It has been 41 days since the request was submitted, well over the 30 day SLA promised by LexisNexis. See attached photo showing confirmation that my request was received by LexisNexis on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hey its been a year since I've tried disputing these fraudulent student loans. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: GA

Complaint narrative:
Im a victim of identity theft! I sent in a police to XXXX  and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship

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 2021-04-19 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: IL

Complaint narrative:
I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX XXXX bank last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX bank of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
First premier bank account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was noXXXX XXXX XXXX bank account XXXX was late on XXXX, XXXX and XXXX are all false XXXX XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-19 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: NJ

Complaint narrative:
I have submitted a dispute with Equifax numerous times about reporting inaccurate information. They stated that the investigation would take 30 days and I have not received any results and it has been past the 30 days 3 times. I want this information remove as soon as possible. This information is not on any of my other credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: AL

Complaint narrative:
At different times each of the 3 credit bureaus will lower my credit score by approx. 50 points. When I review the information change the changes are positive. i.e. paid credit cards to {$0.00} etc. I understand when my credit score goes down due to adverse information but can not accept the the fact that two credit score will go up 47 ( XXXX  ) points 49 points ( XXXX  ) on new information and another one will go down 40 ( Equifax ) points at the same time on the same information, it is almost like the agencies do not want to have my scores improve past 700. I have worked tirelessly for 3 years and feel I am being treated unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently discovered this issue, BOA reported in XXXX of 2020 an overdraft on my BOA credit card to XXXX credit reporting agency. I have a couple of questions, if there was a credit limit on my card and a charge exceeded that amount, why was my card accepted? Second, why was I never informed by BOA that this was reported to XXXX? 

At the time this occurred I was in the XXXX XXXX XXXX XXXX 2020 ). I do not know the exact amount in question, as I was dealing mostly in foreign currency XXXX XXXX XXXX XXXX. Also, as stated above why was the card accepted and why was I not informed that this information was reported to 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