vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: MO

Complaint narrative:
The account is paid in full, still shows a negative report delete account immediately please

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 2021-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I called in and advised to not call my work number XXXX. I continue to get automated calls to this number and i am not delinquent on the loan nor have I ever been. This is harassment!!! I provided a number that can be called however I don't expect calls about my loan unless there are important changes I need to be made aware. I should not be being contacted about payments that are not yet due. Then when getting on the line with a representative that did not identify themselves would not changes or update my information but ended the call! I am getting real tired of these illegal attempts at managing my loan. I am ready to involve an attorney at this point!

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 2021-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I received a notification via E-mail from Wells Fargo stating, " We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX Addendum to the Wells Fargo Online Access Agreement ( OAA ). '' I closed the only two accounts that should have been opened with Wells Fargo during XXXX of XXXX due to their unfair, deceptive, and abusive practices towards consumers. Upon receiving e-mail notification today I was worried that I had become a victim of fraud. I called the Wells Fargo customer service line, spoke to a fraud representative who works solely in the depository side of the bank, and saw that my accounts had been closed in XXXX  of XXXX ; however, my online banking access was still turned on. She stated that she couldn't turn the online banking access off that I would need to call the online banking fraud group to get the online access turned off. 

My biggest concern now is that Wells Fargo automatically opted me into using XXXX, per Wells Fargo 's press release of XX/XX/XXXX that Wells Fargo customers would have access to XXXX on XX/XX/XXXX and XX/XX/XXXX. I want to know why I was opted in to a service that I do not use on accounts that had been closed well over a year before the Service was adopted for use by Wells Fargo consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: AL

Complaint narrative:
I just want those fraudulent account off my credit report so I file a ftc report and upload the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My complaint is against my mortgage company : Shellpoint Mortgage Servicing for NewRez Mortgage My complaint is that my mortgage company is not adhering to the regulations for the COVID Relief Mortgage forbearance because they only granted 90-days of mortgage forbearance and they told me the forbearance will negatively impact my credit.

I shared Consumer Finance website and details about COVID Relief mortgage forbearance and representative told me it ends XX/XX/2021 and this is all I will receive. 

On XX/XX/2021, I requested the COVID Relief Mortgage forbearance/deferment and the mortgage representative helping me told me that I only have until XX/XX/2021 for forbearance because that is when the COVID Relief ends. She also told me the forbearance will negatively impact my credit. 
If the COVID Relief mortgage forbearance is supposed to be for 180 days, why is my mortgage company only giving me 90-days? And why are they reporting negatively on my credit when the COVID Relief says they are not supposed to?

I am in good standing currently with no late payments ever with my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: LA

Complaint narrative:
I have tried contacting all 3 credit bureaus as they are reporting my BK-XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my BK-XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of BK-XXXX XXXX. This statement is on the court letter, but BK-XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( Transunion, XXXX and XXXX ) and still left incorrect information.

Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change.

What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. 
I have all original letters if needed.

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 2021-03-25 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have filed a dispute 3 times, ( one is pending ) and AWA has promised to remove the record BUT keeps adding it back.

ITEM IN DISPUTE : AWA COLLECT XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy The creditor agreed to delete this account. 
CONTACT INFORMATION AWA COLLECT, COMPLETED ON XX/XX/2021 ITEM IN DISPUTE : AWA COLLECT XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy The creditor agreed to delete this account. 
The creditor agreed to change account information. 
CONTACT INFORMATION AWA COLLECT,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
On the XXXX of XX/XX/2021 I opened an account with Gemini and deposited XXXX USD. Shortly after depositing this money, I was informed that my account was pending verification and that my money would not be available to withdraw until it was verified. After about 2 weeks I started to try to reach out to Gemini 's customer service branch only to get nothing back except automated emails encouraging me to deposit more money. I have tried everything to get in contact with them, even resubmitting all necessary documents and repeatedly emailing them. When you call their customer service number, it simply tells you to email them which only results in an automated email. They are wrongfully withholding the money that I deposited with no way for me to reach out to them for help. By letting me deposit money before verifying my account with no way to reach out to them, they have put me in a position where I have no other option than to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: GA

Complaint narrative:
I was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I dont know how to go about reporting my Id and social were stolen along with my wallet and every card I own. I keep getting phone calls from loan companies and Ive never applied for and one new account for Best Buy two days ago which wasnt me. 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 non-monetary relief
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

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 2021-03-25 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: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I paid a hospital bill that was late and agreed to pay a reduced amount to settle the balance back in XX/XX/2020 ( I have proof in the form of agreement letter ) I made this agreement with Consumer Collection Management. The file was then sent back to the dreditor. For what ever reason the creditor messed up and sent the file to CACI who posted a collection on my credit report which tanked my credit score XXXX points from very good to fair. I went to the creditor and showed them proof that the debt was paid and they apologized and immediately called CACI to inform them the debt has previously paid and it was a mistake and to stop collection and remove from my credit reports. I have since called CACI multiple times and told a XXXX XXXX is handling this and he is on the phone and will call me right back which never happens. I have no other option but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: PA

Complaint narrative:
account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: PA

Complaint narrative:
account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried contacting all 3 credit bureaus as they are reporting my BK-XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my BK-XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of BKXXXX XXXX. This statement is on the court letter, but BK-XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( XXXX Equifax XXXX XXXX ) and still left incorrect information. 
Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change. 
What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. 
I have all original letters if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A check {$8700.00} was issued to me by my insurance company ( XXXX XXXX XXXX ) against a home insurance claim. Per the issuer, the check has been processed by my bank ( Citibank ). However, I still don't see the money in my account. 

Repeatedly tried to reach Citibank and see no rep addressing the issue. Only see reps interested in closing the tickets on false grounds. Saying I am disappointed with Citi is an understatement. Lack of empathy. 

So where did the money go? Has a fraud occurred here? What are my rights as a consumer of Citi banking services?

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 2021-03-25 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: OH

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days letter I have not gotten a response. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress this has caused me. My information WAS also impacted by the Equifax DATA BREACH and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
CBC said I admitted that I owed t ty he amount that they had said on no phone. I agreed I was at hospital never saw a bill. They have things in reports that was in bankruptcy and been deleted but they keep putting it back on. When I didnt agree to what they would settle for the lady said well its going to be a much higher price then I took that as a threat. Im tired of dealing with them. Im a XXXX XXXX recipient and they are putting unnecessary stress on me because of there actions.the photos I sent. Have different dates on them. The one that was removed is still on there as if XXXX XX/XX/2021. It was in bankruptcy and they want me to pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE BANK, JP MORGAM CHASE BANK, HAS ALLOEW MY HUSBAND  TO MOVE FUND FROM OUR JOINT ACCOUNT TO HIS OWN ACCOUNT IN SAME BANK, MY ATTORNEY AS SUBPOENA THEM, .ORIGINAL AMOUNT WAS $ XXXXHE MOVED $ XXXX.then moved {$70000.00} to another bank durind a divorce.the first move was onXXXX.im not sure whenthe second move happened.please help me as i can no longer afford attorneys.i need to know my rights, and what responsibility CHASE BANK has in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: OH

Complaint narrative:
I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX XXXX  # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: LEXISNEXIS
State: OH

Complaint narrative:
I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX SIMPLE # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.

Company response to consumer: Closed with explanation