vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XX/XX/10, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.

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 2021-07-23 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: FL

Complaint narrative:
I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.

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 2021-07-23 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
this has been the worst experience i have ever had when you complain to wells they do nothing now this loan has been paid off for almost 60 days and they are still reporting as open i went to log in as i thought i was going to have problem with wells par for the course and my log in would not allow me to after spending two hrs on phone getting bounced from place to place they finally told me they shut down my online access because the loan is paid off basically oh well no notice nothing wasted my time yet again now its almost 60 days and i havent received anything from them showing in paid in full no release nothing and its still showing open on my credit reports this is typical of wells when they incorrectly report lates they put them on quickly then never remove them but when its paid in full they do nothing unacceptable

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 2021-07-23 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: TX

Complaint narrative:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation, I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DocuPrep Xpress
State: NC

Complaint narrative:
Docu Prep Xpress reached out to me and stated they were a company who helps with forgiveness. I made approximately 3 months of payments of {$190.00} to come and find out as of today that they dont actually help with student loans. The company explained that I would make payments to them and after a certain amount Paid that they would take care of the whole matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: GA

Complaint narrative:
On XX/XX/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 ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
On XX/XX/2021 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 ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
This is my 3th complain about Gemini, This Company take my money from my Bank account XXXX USD and don't return, more de two moths they promise to return Now I send copy from my bank transaction and copy from complains more people reviews with the same problem Gemini make Fraud with me and more people here in US

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TX

Complaint narrative:
I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my 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 2021-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has options on to report problem and dispute that does not work. They keep reverse charges of dispute when I dispute charges from XXXX XXXX XXXX  because I do not wish continue services because I was mistreated in the Dental by the Office Supervisor Referrence Number XXXX {$750.00} and {$270.00} while in in dental chair and process of treatment I ask to leave the dental chair to make an payment like it could not be upon completion. I request another dispute for pillows that was purchase supposed XXXX XXXX and I wash it two weeks ago and it still not dry and moldy smelling and while filing the claim I ask about and husband and if he was in the Military what that have anything with filing claim and why do the customer services answer the phone question you about the dispute and know they can not help and making me to continued to repeat myself. XXXX Referrence Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I am a victim of identity theft. I have never opened a checking account with XXXX and i have sent in my police report my FTC report to EARLY WARNING SERVICES and all they keep saying is its veried but they will not send me proof. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY ACCOUNT AS I DID NOT OPEN THIS ACCOUNT and this is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have tried contacting MIdland Credit Management since I was aware of the letter I received, in XXXX XX/XX/2020 i was request to make a payment of at least {$25.00} when I was on a call requesting evidence of an allegedly debt and they still haven't provide any information where according to the FDC. I need these account to be closed and deleted from my credit report, I know is not mine and they havent submit any evidence in over two years If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft MIDLAND CREDIT MANAG Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: ERC
State: TX

Complaint narrative:
I have reached out to the company on several occasions asking them to provide me with the information that have under my name and social. I asked them to prove they had the legal right to report this information on my credit report. They have failed to provided me with any information regarding this matter. I sent off certified mail and called multiple times. They need to provide this information showing they or in compliance with FTC, FCRA, IFRS, G.A.A.P and BASEL3 regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I looked at the activity within my Bank of America ( BofA ) XXXX XXXX  Checking account and noticed I had been assessed a maintenance fee of {$12.00} for XXXX and XXXX of XXXX. I reviewed the bank 's fee schedule and saw that they required a minimum average daily balance of {$1500.00} or {$250.00} direct deposit to waive this fee. I only have been able to maintain a direct deposit of {$25.00} going into the account for XXXX and XXXX, and the average daily balance was below the minimum daily balance. 

I called BofA customer service at XXXX XXXX on XX/XX/XXXX to request the fees be reversed on the basis of a customer service gesture, but was denied. I informed the agent, XXXX ( in NJ ) that my girlfriend recently had several of the exact same fees reversed from her account ( also an XXXX XXXX checking account ). After stating they would not reverse the fees, I requested to speak with a supervisor. XXXX informed me that his supervisor, XXXX, would call me within XXXX minutes, but as of XX/XX/XXXX, she never attempted to call me. 

I called BofA customer service again on XX/XX/XXXX to notify them that the supervisor didn't call me back and to again request for fee reversal, which was again denied. Based on my girlfriend recently having the same fees reversed, I feel BofA is summarily discriminating against certain account holders on the topic of fee reversals. I submitted a request with the agent XXXX XXXX, VA XXXX this morning to close this checking account with BofA.

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 2021-07-23 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I made a hotel reservation located in XXXX, MA ( online ) with XXXX, the Website was very confusing because of many flashing and pop-in advertisement, I used my Chase Visa Card ( account ending in XXXX ), my medical appointment was cancelled ; therefore I called the XXXX and the Hotel itself 72 hours in advance, they did not accept my request. XXXX charged this amount to my card. 
The point is that the Hotel did not give me the Number of a Room RESERVED for me, it also means that they gave the room which could have been given to me to someone else ; this way the Hotel charged for a Room twice, which is a FRAUD. 
Chase Visa initially issued a credit, but then later sided with XXXX, I provide all the documentation to Chase Visa but to no avail. Chase Visa has reported this to 4 credit reporting companies, of course this will affect my Credit Rating. 
XXXX has been doing for quite sometime by mixing refundable & nonrefundable transactions together, it is fraudulent & unethical because NO ROOM was kept VACANT for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TRANSUNION. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiry that is still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/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 2021-07-23 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:
There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - 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 explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with non-monetary relief