vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
As of XXXX XXXX til now I have great frustrations due to monies being taking from my account because of fraudulent activity which I assume is within the company. Each XXXX day of the month, the state deposits {$230.00} to my account and before I can make a withdrawal, my funds are automated drafted by companies that I have not visited or purchased from. This affects my entire family due the funds are deposited by the state for the needs of my children. I have had three cards canceled and replaced only to have the same issues. Im just sick of it!! My card stays in my possession but being told by one company that my card is used within the store to make purchases, baffles me. Apparently the fraud is within the company division where as to duplicate copies of the card is made and are being used sending my card either into overdraft or monies taken. Sad enough that the entire world is affected due to the pandemic of COVID, its even horrifying that people with accounts are suffering financial losses because of petty thieves and hackers who STEALS!!! What makes matters worse, is not being able to talk to a live person to rectify the problem or or being transferred to a certain division to rectify the situation only to be on hold for hours until they HANG UP!! Its very discouraging. They send out papers to dispute the charges, you return them only to get a letter telling you that they saw that there was no fraud. So basically, its easy for the scammers to take the money but its no luck getting your money back so it continues to happen. This company should be investigated, starting with those who works in the department of creating the cards. This is happening way too much and to too many people who now suffers majorly from hundreds of dollars of the states money being stolen. This is not right. This is not fair. There should be a more strict security policy to keep things like this from happening. I beg you to please investigate this problem for the sake of myself and other cardholders who suffers the loss. Show that you care and that you are not apart of a company that is taking from us. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I received a text from the pharmacy that fills my prescriptions that told me they'd been receiving receipts from purchases I made at other businesses. They suggested that those receipts were coming form a company called Square. I went to the Square website and found that there was no way to speak with a live representative by chat nor was there a telephone number that would accept my calls unless I was a registered seller with their company. So, there as no way to fix the error or to take action to prevent identity theft that might result form the misdirected receipts. I am filing this formal complaint because this business refuses contact from the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: OH

Complaint narrative:
I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX Barclay 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company XXXX, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to Barclay 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number ( the one that is in collections ), and said he can't discuss it at all to anyone and that I needed to call XXXX, which is XXXX 's number. Barclay 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against 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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On numerous occasions, I have filed a complaint with the CFPB regarding the violations that Transunion is doing. My past complaint numbers are XXXX, XXXX, XXXX and there is more. I sent Transunion several letters and ask for verification and validation of the bankruptcy that is reporting on my credit report and to date, Transunion is violating my Fair Credit Reporting Act rights 609 and 611 by not responding and validating where they received the information. I also spoke to several reps from Transunion and they advised that they validated the debt via the bankruptcy court. I have attached a document that the bankruptcy court mailed to me stating that the do not verify such information. How is it possible that they can report items and not verify where they receive this information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( Agencies ) are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2020-10-22 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: MD

Complaint narrative:
YOUR COMPLAINT XX/XX/XXXXXX/XX/XXXX I had applied for a credit account with them in XXXX. It was approved for {$200.00} I never used it and it eventually closed in XXXX due to no use. At the time when they closed it they reported it as a charge off and a bankruptcy which it was not. Since the account was never used there was no amount to charge off or to include in any bankruptcy. I contacted XXXX XXXX / XXXX XXXX and was told my account was never negative and it was never used hence the reason for closing. At that time they informed me to dispute it with the credit bureaus by which I did dispute with Equifax, XXXX  and XXXX  three times. On each occasion they stated the account was accurate. I then called back to the credit bureaus and was told this is the information that XXXX XXXX XXXX gave them. I questioned the credit bureau for proof of this delinquency and what was given to them as verification that this delinquency and negative credit rating is incorrect. I got a letter from all three stating that they would not dispute the same thing and for me to contact the creditor. Shortly after I disputed with the creditor XXXX XXXX XXXX  more than two times via certified letter and no response was given. I went back to the credit bureau for the information to be corrected and updated. At that time I pointed out to them that according to their credit report as of XX/XX/XXXX to the current date there has been no activity, no scheduled payments and no high balance reported for this credit card since opening which proves that this account was never used just opened. Basically till date I have been denied the right to a fair and accurate credit report that has subsequently caused defamation of my character to potential lenders due to the negligence of XXXX XXXX XXXX , Equifax , XXXX  and and XXXX  . I  immediately request that this information be corrected to reflect never late, the account status of charge off and included in bankruptcy be deleted. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2020 accounts were updated on Equifax to balance of {$0.00} and paid. On XX/XX/2020 they removed the updates from the accounts and significantly dropped my scores. 

XXXX XXXX XXXX Credit Card {$1600.00} XXXX XXXX XXXX Auto Loan {$4500.00} XXXX XXXX {$720.00} I am attaching the letters from the creditors that it is to be {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : Experian XXXX   XXXX  XX/XX/XXXX XXXX : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-10-22 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: CA

Complaint narrative:
In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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:
In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus Experian, XXXX  and 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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I mailed my mortgage to PHH mortgage services for XXXX on XX/XX/XXXX. It was not posted until the day I called them to see what the matter was. They claimed that they hadn't received it so I paid online with the support person the amount of the mortgage plus a {$46.00} late fee. Today I noticed that they posted my original payment the same day I paid the mortgage and late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I contacted Chase on XX/XX/XXXX, XXXX, XXXX, and XXXX regarding PMI removal. I was under the impression that if I paid down to 80 % of my original mortgage value then I would not need a BPO. When speaking to the Chase escalation managers, I was told that I would need a BPO regardless of how much money I paid toward my principal and regardless of whether I paid down over 20 %. I then received a written notice stating I would not need to get a BPO if I paid down to 80 % of my original loan value. I then called Chase again and was told for the first time today that Chase would honor a written agreement but that they do not manage my PMI and that I would have to contact the business that handles my PMI. Unfortunately, Chase could not provide me with the company name or phone number to contact regarding my PMI. Chase stated since I would need a BPO regardless of money paid down ( even if it was over 80 % of the original value ). Chase stated they would then refund my extra principal payments. I am reporting this due to incongruent and contradictory information, which is not in line with PMI requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CT

Complaint narrative:
I have been working on increasing my credit score for years. Ive been continuously applying for student loans, but not getting approved. I could never understand why, until I applied for a private loan from a bank. They sent me a letter explaining their reasoning of denying me ; but once I saw the credit score they stated was my credit score. it was significantly incorrect, and this information was distributed by Equifax. So I decided to make an Equifax account to investigate this score. Once I accessed the account I saw over 5 different accounts that did not belong to me. They belonged to my brother, who is significantly older than me but we have similar names. 

I continuously contacted the company for hours and days with no positive result. I need this fixed to be able to apply for my student loans and pay for my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: VA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX & XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-10-22 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: WA

Complaint narrative:
My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my Experian credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with Experian and XXXX  based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made Experian and XXXX  aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help

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 2020-10-22 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: NY

Complaint narrative:
I contacted Experian regarding a fraudulent XXXX account on my credit report. They refused to block the account from reporting after I submitted the FTC report along with the documentation from XXXX stating that they would remove the account. They are the only bureau that hasn't been compliant with section 605 of the fair credit reporting act and are violating consumer rights. When I asked them to do so, the representative from the company said they couldn't block it because of their internal affairs. This is outrageous! Please do not let them violate the law anymore! My mortgage can not close with this fraudulent account reporting. 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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has tried to sue me in court multiple times and all attempts were unsuccessful. They also contacted my family, business partners, and had debt collectors reach out to all of them. They even tried to get my family to pay the debt to them. Also, the debt was discharged and apparently sold to a debt collector yet they keep reporting my debt as delinquent even though it was sold over three years ago. They have made no attempts to reach out by mail or phone calls. 

This is pure harassment on their part by continuing to report me to a credit bureau when they no longer own the debt. They have had their time in court twice. The debt is no longer valid and they need to go off my report as the debt was discharged and this is a form of harassment on multiple fronts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Medical bill was from workers compensation case. I have given company the information for the case and they refuse. I asked them to send me a bill then so I could submit it to the workers compensation company and again they refused. This company sounds like a huge scam that just wants you to send them money. I contacted the hospital where Credence states the bill is from and they have nothing.

Company response to consumer: Closed with non-monetary relief