vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies

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 2021-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX reported on my credit report that I owe {$190.00} dollars which is not correct. I don't owe them anything. I have disputed it and requested proof of the amount I owed according to credit act but the results were negative. I tried to dispute again and experian won't let me do it online. They asked that I call a phone number. I did call that phone number and I was never able to get in touch with a live person to dispute and request that the company provide the proof of the charges. The automatic system was asking question that have no relation to the problem I need to dispute. I tried couple times. I called XXXX XXXX  and requested proof but they want me just to pay. At the end just get this fixed and I told them I don't agree with the charges but I will pay if you delete from my credit report since it is wrong. They refused to delete and refused to provide accurate information proving I owe a balance. I need this problem handled please. 

My name is XXXX XXXX Thanks,

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 2021-08-20 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Ocwen will not generate a payoff. We have sold our home and unable to close because Ocwen refuses to provide payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Praxell, Inc.
State: CA

Complaint narrative:
I have requested to close my MangoXXXX ( XXXX XXXX XXXX ) account in XXXX. They said the check was mailed on XX/XX/XXXX. However, I still havent received my paper check of the balance ( {$6100.00} ). I have called them multiple times to try to solve the problem, but it still hasnt been resolved. The last time, the representative told me they have reissued a new check to me. However, there is no tracking number and no any status for this.

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 2021-08-20 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: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I submitted several disputes to Equifax asking them to correct my name and mailing address, and to delete other name ( s ) and home addresses that are inaccurate. To date, that has not happened as there are always stall tactics ( responses ) to delay changing or removing inaccurate information from my credit report. I have provided proof such as a driver 's licenses, my Social Security Card, and marriage certificate on many occasions, only to receive numerous bogus responses without action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: VA

Complaint narrative:
This alleged debt is fraudulent as I am the natural person, consumer in fact, and entered into a consumer credit transaction. Pursuant to 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I in fact extended you credit as the Creditor/Natural person and you gave me a loan which isnt defined under Truth in Lending or FDCPA, which created an alleged debt. That is deceptive behavior, fraud, and punishable under federal law. I am not participating in the collection of any alleged debt. Pursuant to 18 U.S. Code 8 as defined by congress, The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THERE SHOULD BE NO ALLEGED DEBT IN ANY CONSUMER CREDIT TRANSACTION. Natural person defined 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; '' PHEAA HAS VIOLATED SEVERAL FEDERAL LAWS THAT PROTECT CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/21 went to XXXX in XXXX XXXX and did 2 withdrawals with my Bank of America debit card, at an atm machine. The transactions were for the amount of {$120.00} and {$200.00}. The money never dispensed and I was defrauded. 

Later on the XX/XX/21 I called Bank of America to let them know. The first call I spoke with someone. Outlined the issue. And they disconnected my call, so I was unable to fill a claim, or a complaint about Bank of Americas service. I had to call a second time to Bank of America, and during that call I was informed they could not stop the transactions, because it was outside of their policy. 

During the second call. I informed Bank of America I was on vacation and needed the funds. They again stated it was outside their policy, even after telling them customer service agent, named XXXX, that the XXXX ATM machine defrauded me. 

I need help, as I think Bank Of Americas claims and fraud policy is not treated customers fairly, since my account does not have a lot of money in it. Seems they treat lower income people poorly, and those that are a minority, such as myself. 

Very upset as they really caused me problems on my vacation, even though I was timely in notifying the bank. There should be some policy that accounts for this type of situation, and in which everyone front different income levels are treating the same.

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 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I contacted debt collection agency to settle the debt, they refused to take my call said they only do it through email. i emailed the company and they did not respond. I repeat called asking to have this resolved and handled. They were rude and refused to speak with me hung up on me. They have hung up on me and refused to speak to me civilly to handle debt. they have blocked my number and refuse to speak with me to allow me to pay off debt. the man I was told was the only one who could handle my account cut me off from speaking several times and hung up on me. I have never heard of a company that refuses to let you pay it to have it taken care of. I understand that companies do not have to take a settlement however, they should allow me to be able to pay the balance to begin with

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 2021-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inquires that appear on my credit report. A large amount of these inquires do not belong to me. I have never applied to these places listed. I was advised to complete a FTC with a list of the items and submit for investigation. Please have these fraudulent items remove from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband passed away on XX/XX/XXXX. For the next 11 years I paid my mortgage to Bank of America. Prior to his passing my husband filed a quit claim deed and a will so that there would be no problem with the mortgage. In XX/XX/XXXX I fell behind due to XXXX related hardships. Since XXXX, XXXX I have been attempting to get Bank of America to add me to the loan. I was told to send in a letter explaining I would like to be added to the loan, the deed, the will and a death certificate. Since XXXX I have sent these documents XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time a call was made to confirm receipt - we were told the documents were received and the loan was updated to show me as a borrower XX/XX/XXXX by XXXX ID XXXX, XX/XX/XXXX, XX/XX/XXXX by XXXX XXXX, XX/XX/XXXX. Each time the documents are sent I will be told they are there then the next time I call I'm told it is a different department and I need to send there. Today, XX/XX/XXXX I spoke to XXXX XXXX who told me that no documents were received and I had to start over and the documents can only be mailed to XXXX XXXX. When I asked why the departments do not share information or documents I was told they don't. When I asked to be transferred to the correct department she said she does not have the number. Also, I was told I had to " register '' the will. I went to my county 's website and tried to register it in Official Records and BOA called and told me I need to go through probate and hire a lawyer. I can not get a straight answer of what I need and everything I send in gets lost for over 10 months now.

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 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A unknow person tried to used my credit to obtain merchandise, phone service, vehicles, credit cards and other items. The assailant was unsuccessful in getting any physical items, but this still impacted my life. The unknow person left negative inquires on my credit file. This is a false representation of my true potential. This person is unknown to me and I can not offer any details, but I do want this matter of these inquires removed from my personal credit file. See attached file for detailed list of inquires that appear on file.

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 2021-08-20 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: AL

Complaint narrative:
Equifax is reporting inaccurate information on accounts that are closed, these accounts are XXXX XXXX XXXX and XXXX XXXX was investigated by CFPB and was closed, they are reporting them open still.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: AL

Complaint narrative:
Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX  XXXX  are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.

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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I tried withdrawing {$800.00} from a Chase ATM in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. But I never received the funds. The ATM didnt print out a receipt or anything. Chase denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: DISCOVER BANK
State: NY

Complaint narrative:
please check the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/2018

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 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, XXXX XXXX XXXX decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX  and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was pre-approved, signed documents, and picked up a payment voucher for an interest rate of XXXX for 60 months with Navy Federal Credit Union for a new automotive purchase up to {$35000.00}. The pre-approval did not specifically state it had to be a car. After I purchased the motorcycle, I got the finalized loan documents stating my interest rate now jumped from 2.69 % to 8.90 % for a loan amount of {$27000.00} and my monthly payment jumped from a little over {$400.00} a month to {$580.00} even though my documents show 2.69 % and I did not agree to or sign any paperwork for 8.90 %. 

I called Navy Federal and they stated since I bought a motorcycle and not a car the 8.90 % was the best they could give me. Now I am stuck with a loan at a higher percentage with a monthly amount that I can't afford and I can not return the motorcycle to the dealership. This puts me in financial hardship that I did not create myself. 

This is very misleading and fraudulent behavior from the credit union to provide you approval and have you sign documents agreeing to a lower percentage then later having you involuntarily commit to paying a significantly higher interest rate for their profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I have 36 inquiries in my credit report and I have never applied for all those companies, the only thing I ask is that they remove that from my credit because that is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, Midland Credit Management decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I have tried several times to correct both my name and home address on my credit report only to receive bogus and stalled responses from TransUnion without changes. I have provided a copy of my drivier 's license, my Social Security card and a copy of my marriage certificate, yet inaccurate information remain on my credit report ( file ) with incorrect information.

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