vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR DBA MR CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XXXX OF XXXX, WHEN THE ACCOUNT WAS FIRST OPENED. 
THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/2018. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Macy's/citibank account : XXXX charges were incurred at some time before this date. payments were not made from XXXX XX/XX/XXXX as this was Fraudulent activity on my account that I was unaware of. In XX/XX/XXXX this was determined to be fraud by Macy's/citibank. When I called on my Macy 's account after finding this to be on my credit reports in XXXXXXXX, they transferred me to the debt recovery department. They tell me every time that is was determined to be fraud and I was not liable. Yet- when calling, it says this account is in debt recovery. I asked to speak with someone in the Fraud dept and if transferred am cut off every time, if not transferred I am told to the only way to rectify this is to write a letter only through he USpostal service to rectify and there is no one I can talk to live. This was determined to be Fraud in XX/XX/XXXX. That was nearly 2 years ago and they have not rectified with the Credit reporting agencies- of which it should never have been reported to in the first place. I wrote my letter to request them to rectify in XXXX they stated they only received it on XX/XX/XXXX. The postal service does not take that long. They put this into investigation for the next 30days. If their own Customer Service has stated every time I call that it was determined to be Fraud by their investigation- in XXXX why are they having to further investigate this for 30 days? I have another Citibank Card that will not be reissued- due to this, I have not gotten a loan at an acceptable rate due to this. My credit will take another hit if I have to reapply fort the Citi bank ( Costco ) card that will not be renewed and this is 100 % the Fault of Macy's/citi bank- yet they are saying they need to investigate again!. Why is this allowed? They made the mistake. Then did not fix the mistake. They are taking an additional 30 days to investigate something they got an answer for 2 years ago. This has cost me hours of looking into.

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Broward Adjustment Services
State: NY

Complaint narrative:
On XX/XX/2019, I sent by mail a verification letter to the collector. I informed them that I did not recognize the account that they are trying to collect. Also I requested them verify the debt as required by the Fair Debt Collections Practices Act ( section 1692g ) and XXXX XXXX  XXXX Administrative Code ( section 20-493.2 ). I asked them for : A copy of an original document confirming the debt to the original creditor ; A copy of the final account statement issued by the original creditor ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due. 
Unfortunately to date I have not gotten any verification from the collector. To my surprise, today I have checked my Credit Report and I noticed that the collector only updated the information as : " Account Information Disputed by Consumer ''. It means the collector got my letter but it did not verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is regarding a scam to sell concert tickets. The seller 's tickets were fake and it was unknown until after the XXXX transaction was completed via my Bank of America account. The major reason I am filing this complaint is because XXXX is presented as part of the banking experience *and* the person I sent the money to is *also* a Bank of America customer according to the fraud department. Bank of America said that I need to wait in a queue to get any headway as far as my complaint being processed. I've been a customer for more than 15 years and all I am is a random account number. To obtain a bank account, you need to be approved. This means the thief 's information is at the disposal o bank of america but they are not very concerned about this. Lesson learned on my end as well : When you get a receipt call XXXX and make sure the email is a XXXX account holder and that the order number in the email is legitimate.

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 2019-10-28 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: NV

Complaint narrative:
My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to XXXX  XXXX on XX/XX/XXXX and when they sold it XXXX  XXXX booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and XXXX show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from 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 2019-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capitol one auto finance acct. XXXX XXXX. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX in the year, 2016 month of XXXX and XXXX my account is showing a charge-off. 
there was a payment agreement placed on the account to help bring the account to a current balance. These two charges-offs should be removed. the account is current with monthly payments being made as agreed. please have capitol one remove charge-off. 
talked to a supervisor named XXXX, ID, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: IL

Complaint narrative:
Transunion is reporting fradulent medical collection accounts and addresses on my credit report. These fraudulent accunts are hindering my ability to get a promotion at my job. I work in XXXX   and a promotion requires a good 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 2019-10-28 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: AMCOL Systems, Inc.
State: SC

Complaint narrative:
There is an account with debt collector Amcol Systems that should be removed from my credit report with all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). This account has been paid in full and taken care of awhile back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Certegy Holdings, LLC
State: KY

Complaint narrative:
I was contacted by XXXX XXXX about a {$200.00} transaction at XXXX XXXX they say chk was returned. I called XXXX XXXX back during the beginning and they said they had no knowledge of any check. I called them back, and ask for check, they said theyd get me chk and it never showed up. About 6 months later, the same sequence of events, still no proof of chk and my bank said no return chks on acct ever in 20 plus years of its existence and that I also have overdraft protection and a return chk would not have happened. I told the collector that and he said Certegy had guaranteed money and they picked up check. So I called their office and after taking both our bank acct numbers and SS # s and past two addresses, they could find no history of us in their system at all. So I called collector back again and said Certegy has no record of us, and they say you are not a debt collector for them and the collection guy said they sold you to us and I said they have no such record. He says they wouldnt, do I called again and they them reported history is part of the service they provide and they would have history of cold check. So when I called and told him that, he said you dont know what your husband is spending money on or where hes bouncing checks. Then he called my husband and said we have your drivers license number on chk we know it was you. He said great, then send us a copy and well get that check cut to you today. All we are asking for is some type of proof beyond your word. He hung up on him and said Im not going away, we dont settle debt, we collect it. Ive sent them an email telling them we need proof Of something beyond being badgered to death. We have never floated a check anywhere, its not in my financial history, and if I thought I owed this, Id be happy to pay it. All Ive ask for is a copy of a chk.

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 2019-10-28 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:
Equifax is reporting addresses on my credit report that does not belong to me. I do not live at these address and am afraid they could be resut of ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 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: CA

Complaint narrative:
Experian credit bureau is not removing the fraud account XXXX off my credit bureau. I have sent a copy of my police report stating that I was a victim of identity theft and they are still reporting this fraud creditor on my report. it is against the law not to remove a identity theft account if a valid police report is given which it is

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 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I opened a online Citibank checking+savings account in XX/XX/2019 under the promotion of XXXX $ bonus if I maintained a balance of XXXX $ or more for 60 days. I met these requirements on XX/XX/2019. I had contacted the bank to enquire about the bonus and they had confirmed that I have met the requirements and bonus will be credited to my account. I have chat transcripts from customer service confirming the same. 

When I contacted them again to enquire about the bonus on XX/XX/2019, they lied to me that my account was not opened under the promotion and I will not be receiving the bonus. 

Checking account # XXXX Savings account # XXXX I would like to complain about this fraudulent practice and demand that they send me a check of XXXX $ that they owe me. 

XXXX XXXX Phone : 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 monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I must all pay credits on time because its my responsible important but i lost job even i feel depress. Need help i for job

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 2019-10-28 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: SC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian has a portal to upload proof of documentation for your disputes. The website does not allow you to actually load anything. It freezes, reloads, freezes again, and then says that the website has timed out. I believe that this is done so that low-income people are unable to follow through with legitimate disputes on their credit reports. Sending certified mail for some, is extremely expensive. This is an access to justice AND an ADA complaint.

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 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They have called me several times. I spoke to a collector to try to resolve a Capital One secured credit card, a credit card I maybe only charge {$50.00} on and they took my {$300.00} as collateral, charged me a {$49.00} fee to set up and now want to charge me another {$240.00} on top of that. 

The collector at XXXX XXXX was being abusive and putting me down demanding payment. Its hard enough to try to pay things back after losing my job years ago but to have someone raise their voice, put me down, demand payment and threaten me is very demoralizing. Please help and stop these type of organizations from doing this to people. Its wrong. 

I've have massive amounts of calls regarding this debt and have more than paid for it over and over. I just can't handle the calls, threats, and continuing increasing of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: UT

Complaint narrative:
I sent Square police reports awhile back through email to a Square representatives who stated he would forward the information over to clear the balance owed. However it appears nothing had been resolved. My XXXX credit card was stolen and fraudulent used including unauthorized access to my square account after it was taken over by a criminal organization who tried to threaten me if I took any action against them. My information was then sold on the black market.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XX/XX/XXXX, WHEN THE ACCOUNT WAS FIRST OPENED.

THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/XXXX. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.

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 2019-10-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XX/XX/XXXX, WHEN THE ACCOUNT WAS FIRST OPENED.

THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/XXXX. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.

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 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.

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 2019-10-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE LOOK INTO THE REASON WHY THE ACCOUNT FOR XXXX XXXX XXXX XXXX. HAS NOT BEEN REMOVED. IT STATES A BALANCE OF {$3600.00}, WITH ONLY LATE PAYMENT OF 60-DAYS. NOW, THIS IS NOT THE FIRST TIME I BRING THIS ACCOUNT INTO MIND. THIS WOULD BE ONE OF THE SEVERAL ATTEMPTS I HAVE APPROACHED IN ORDER TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORTS FOR GOOD SINCE XX/XX/XXXX., WHY HAS NOTHING BEEN DONE? WHAT ARE THEY LOOKING INTO? YOU HAVE NO IDEA HOW BADLY THIS IS AFFECTING ME AND THE GOALS I NEED TO ACHIEVE. THIS HAS DONE NOTHING BUT PULL ME DOWN. I DEMAND A RESPONSE IMMEDIATELY AS FOR NOTHING HAS BEEN DONE ABOUT THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XX/XX/2019. I called Equifax to make credit disputes. Because I could not login to my account. They said I could not log into my account because theyre having verification issues so they escalated my account into investigation. I asked to speak with the supervisor. She said that they are having technical issues. And that I can not access my account for an indefinite amount of time. She said there is no time frame for me having accessing to my account. Her name was XXXX. Anyway. Earlier today I even tried to reset my password and successfully did so. But was still unable to log in. Equifax is violating section 609. I am unable to see and verify my credit report. Nor can I properly dispute because I have no access to a report. I would like access to my account and my incorrect reported information fixed asap

Company response to consumer: Closed with explanation