vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America had no right to foreclosure my husband had deceased and I was in the home and I am surviving spouse of mortgagee. The bank had a INACTIVE NOTE it is verified by XXXX XXXX XXXX and I had reported this but I had no proof at the time but they did know. Before my XXXX XXXX he had asked for the documents but they stalled him after he passed I took death certificate to bank but first death certificate had a cause of death pending so they said I would have to wait till it cleared to submit the next one for the insurance. By this time they gave me no notice of foreclosure. They kept delaying mail by sending mail to different address. I can prove this as well. I don't understand what good is it to have proof when no one will help me. I know the home was sold so there's no getting it back but they owe me for the 7 years I did not live there when I should have. They have no one to answer to it's as if there above the law and they just keep taking people 's homes. Why doesn't anyone do something? CFPB is suppose to help but how if you close my complaint as soon as they respond? Do you check there responds? How can you keep letting them get away with this I have been sending my complaints to everyone XXXX, FTC, XXXX XXXX XXXX XXXX XXXX, XXXX, OFFICE OF ATTORNEY GENERAL, XXXX, AND XXXX, AND NOW I WILL SEND ALL MY COMPLAINTS TO XXXX since that's were note originally started. It's been a rough 7 years moving back and fourth and the mental anguish my family and I have suffered because we have no home. The destruction of families caused by this bank is just terrible. And if it were I doing what they do I would be in prison by now. Does the law work for them or is the law working for the people? So now with this new information I hope you actually come down on them because if you don't more families are loosing there homes by the minute. Every minute you don't take action against them, another family will lose there home, so who's side would you really be on? I want them to pay me for every year I have not lived in our home that my husband paid for ... while in the XXXX and a XXXX  employee I don't think he served his country for them to disgrace him at death. I can't believe that this is regular business practices that they keep getting away with. I want justice for my husband and my children. We deserve it and I will not give up until we go to trial with it, only then I will stop complaining. When I know a judge has ruled on it because the first court I had was an eviction and I was not prepared for that either I never saw that coming because of there Trickory.

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 2021-12-04 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: TX

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no XXXX XXXX involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX TX XXXX Balance {$0.00} XXXX XXXX TX XXXX Balance {$880.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX  XXXX XXXX Balance {$880.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} SXXXX XXXX XXXX Balance {$1400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$2900.00} Inquiry : XXXX XXXX Inquiry Date XX/XX/2021 2021

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 2021-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I had a XXXX debt added to my credit report that I have never received any communication about and was not allowed the opportunity to dispute the item or ask for information to verify. I moved recently and have attempted to communicate with company through email about disputing the item but never received a response or call. I believe the company is not following laws by not sending communication to me and allowing me to respond to it, instead they reported it to the credit buries dropping my near perfect XXXX XXXX down due to a small debt. If the item would have been verified and I received the documentation necessary showing it was owed, I would have worked with the company. Again, I believe the medical debt is incorrect and I do not owe a balance. I ask it is immediately deleted from my credit and the company sends the required documentation and allowed me to dispute the item without punishing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
CFPB Template On XXXX XXXXXXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-04 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: MD

Complaint narrative:
CFPB Template On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Experian credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Experian still refuses to delete these public record entries from my Experian credit report.

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 2021-12-04 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was reviewing my credit report and I got a new inquiry on XX/XX/2021 from Jpmcb XXXX that I searched up and said it was Chase. I never applied for a card from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I CAN NOT CALL ON THE PHONE!! I AM XXXX! SOMETHING IS WAY WRONG WITH MY DISPUTES!!!! WRITE ME AT XXXX AND I WILL TRY TO EXPLAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mercedes Benz Financial Services
State: DC

Complaint narrative:
Issue : Mercedes Benz Financial Services Title Release Dispute on XXXX yr. old XXXX XXXX  XXXX XXXX I am writing to request your assistance, and confirm my FCRA Rights, in re. to a now " XXXX '' campaign to secure a " Title/Lien Release '' for my " XXXX XXXX XXXX XXXX. 

XXXX had previously agreed to the release, accepted a {$20.00} release fee, and abruptly reversed the release based on an alledged " {$7000.00} '' refin balance from XXXX that I have consistently disputed, and XXXX has repeatedly " declined '' an " audit '' to allow cross reference of " cash payments, '' many made via a " 3rd Party Collection '' entities, XXXX. XXXX XXXX, and a now defunct XXXX XXXX and XXXX XXXX Bank XXXX XXXX many payments still yet unconfirmed. 

" XXXX has " acknowledged in writing that they have no interest in pursuing collection, '' yet, refuse to release the Title This matter is urgent in that the vehicle, can't be registered/tagged and has accumulated over {$2400.00} in DMV Parking tickets for expired registration/damage vehicle, and must be moved post-haste and sold as salvage. The current estimated value is now {$250.00} of which I have offered to pay XXXX for the Title Release. 

The vehicle was a " lemon, '' that over time amassed a staggering {$30000.00} in repair costs! There are other and more egregrious issues as well with XXXX that triggered costly and long-term damages : 1. FCRA Violation : MBFS : Action or Failure to Report " Original Loan '' of {$37000.00} to Credit Bureaus causing irreparable credit issues over a 10+ yr period. ALL PAYMENTS WERE ON TIME, BUT MOST WERE UNREPORTED forcing a much-damaged credit score, credit declines and XXXX. XXXX admitted the error, and only corrected it in XXXX- too late to remedy the reputational damage. 

2. FCRA Violation : Refinanced Balance : XXXX has " refused an audit '' for the past " 11 yrs. '' to confirm payments made in cash via XXXX XXXX and other XXXX party entities to resolve an alleged balance of {$7000.00}. They also " declined '' settlement thus balooning the balance despite repeated written and verbal attempts at resolution! 

XXXX. FCRA Violation : RE-AGED The Acct : XXXX repeatedly r '' e-aged '' the refinance amount beyond the allowable statute of limitations causing repeated and major damage to my credit worthiness! 

Your office is my last option for guidance! I welcome your immediate reply!! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my Transunion.

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 2021-12-04 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: FL

Complaint narrative:
The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX is sending me collection notices in the mail on behalf of PayPal to collect on my Pay in XXXX acccount. I believe this is fraud. I dont owe PayPal any money and while I have a PayPal account I do not have a Pay in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is a company Experian and most of my profile information is wrong, repeated, spelled incorrectly, whatever! I have written, called and complained, put on hold and cut-off. Nothing is ever fixed, and this is a company that reports MY credit score?! There is no oversight here. Isn't that what you're for!?

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 2021-12-04 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: NY

Complaint narrative:
Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Equifax credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Equifax still refuses to delete these public record entries from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Coradius International LLC
State: PA

Complaint narrative:
American Coradius International, LLC is sending me collection notices in the mail on behalf of XXXX to collect on my XXXX in XXXX acccount. I believe this is fraud. I dont owe XXXX XXXX money and while I have a XXXX account I do not have a XXXX in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is American Coradius International, LLC Telephone XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX

Company response to consumer: Closed with explanation