vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
I filed a complaint on XX/XX/2021 # XXXX-XXXX  and today XX/XX/2021 I recieved a response back from my Mortgage company. They DID NOT address my issues that I am having with them. Also in their response they said I owe XX/XX/2021 mortgage which was paid in XXXX and I also have paid my XX/XX/2021 mortgage. Copies of cancelled checks are attached as well as the original complain that I filed. CFPB closed the complaint so I was not able to comment that they still have not fixed their mistakes on my mortgage payments that I made. As I have sent proof of the cancelled checks. 

Please see original complaint filed as well as SN Servicing Corporations response as well as my cancelled Mortgage payment checks that are attached. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All 3 credit bureaus are not updating my XXXX XXXX score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the 600s but the XXXX  XXXX is in the low 500s

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All 3 credit bureaus are not updating my XXXX XXXX score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the XXXX but the XXXX  XXXX is in the low XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  equifax XXXX  will not give my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: DE

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX  Texas. I received a letter from the United States Bankruptcy Court XXXX District of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with Experian and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX District of Texas, I was told that XXXX XXXX a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with XXXX they are in violation of Federal Law and United States Bankruptcy Court XXXX District of Texas states they didn't provide nor report this information to 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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: INTERCONTINENTAL CAPITAL GROUP
State: NJ

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit asap.

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft INTERCONTINE Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have repeatedly asked for verification of this debt through the credit bureau and have received nothing. But yet it is on my credit report as a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a debit, pre-paid card from Bank of America link from EDD benefits, every two weeks EDD deposits money to a checking account created for to withdraw money and general purchases only. On XX/XX/2021 the Unemployment department benefits deposited {$1400.00} on to Bank of America, then I get a alert on my phone, so I new I had money to withdraw for my pay rent, on Monday the XXXX someone stole my identity of my debit, pre-paid card and the thief took out {$1000.00} and then on XXXX the thief withdraw out {$480.00}. I have a alert from Bank of America that I sign up online to alert me if I am low in balance {$25.00} or less, I got the alert so I checked on line why?? I was low in money, well soon enough I figure out I am a victim. The thief used a bank on XXXX XXXX, XXXX XXXX XXXX, XXXX California Branch of Bank of America, ATM I would guess, I called Bank of America on XX/XX/XXXX told the situation and they transferred me to claims dept. claims, they took my complaint and gave a claim # XXXX and they also requested for me to do a police report to fax them. On XX/XX/XXXX made the police report online. Next two days I called claims dept. and ask how is my case going!, claims department C/S said to that I was approve to reimbursement for all amount {$1400.00} just may take few days. On XX/XX/XXXX I called claims dept. again, so same again they tell me that the money will be deposit may couple days that it said in their system, C/S apologized again, oks again nothing, on XX/XX/XXXX I get in the mail a letter from the bank written I will get my money deposit. On XX/XX/XXXX I received actual police claim report and on XX/XX/XXXX, I faxed to claims, again I called claims, same I ask what is hold up, but this time C/S told me different story that would take up to 90 days. So there I am not getting my money deposited until now {$0000.00}, so I decide to take action and call you guys. Please help me assure Bank of America to reimburse me, {$1400.00} I am sure the bank has a coverage as all banks have I know that. Police report is XXXX XXXX XXXX I have spoken with detective XXXX # XXXX office 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 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/21 Wells Fargo contacted me regarding 2 transactions equaling XXXX dollars. I explained to them that they were not transactions that I authorized. They said that they will file a dispute for both of those transactions. I was told it would take 10 business days. So I gave trust my bank would help me with the transaction with both parties understanding that they are fraudulent. I called to see an update on XX/XX/21 which was a Friday.. They started to ask me the same questions again which I answered honestly once again! 

On XX/XX/21 Which was a Saturday I received an email from them stating my case has been closed .... But it didn't explain if that meant if it was denied or approved. 

I called XX/XX/21 and asked about the status which the claims department decided that neither transaction was fraudulent on their end. This is not right as a consumer that got a phone call from said bank denied his money even though Wells Fargo knew that these were not transaction that I made. 

Please help me get my hard earned money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: IL

Complaint narrative:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hi, This is in reference to my previous complaint- XXXX-XXXX  raised with consumer bureau and for case number XXXX open with chase bank in USA to sent the checks for my amount {$6500.00} and {$900.00} which are with chase to my XXXX address shared within email with them, I have responded to their email from XX/XX/2021 and as per their suggestion I have shared the scanned copies of both the checks for respective amounts with affidavit documents in their format shared and have got the verification from XXXX court, XXXX , XXXX . 

I have ensured that the identity and address proof ( electricity bill ) is shared with them so that chase can send the two checks at my XXXX address shared with them as per my email response. Its been more than two years and multiple times I am following up, so request you to please share the concern and send the checks of respective amounts which was money from my account due with chase to my XXXX address. 

I have shared response on Saturday ( XXXX XX/XX/2021 ) to them by attaching all the proofs and documents requested as per suggested format. Please note every-time producing this document is very difficult with covid and costs me good money to be spend. 

MOST IMPORTANT- I would require the tracking number of the courier service once the checks are sent out since last two times there was no tracking number shared and it was difficult for me to know if the checks are sent to proper address and will reach to me in XXXX . Attached is the previous complaint details for reference. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TN

Complaint narrative:
This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States Middle District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2018 I want to XXXX XXXX XXXX to fix my XXXX, XXXX XXXX XXXX the inform me that they have Promotion to fix my XXXX on credit {$4900.00} interest for 4 years i have to pay fix payment for {$200.00} every moth, I agree And sign the agreementCan I start paying them {$200.00} every month until my parents come down to {$1200.00} before the pandemic came And I stop working and everything is shut down I called the bank regarding the payment and ask the bank To postponed the payment because the COVID-19 the agree to postpone the payment after 2 month I was late on my payment they add interest on my Balance was {$1200.00} to {$3600.00}, iI called again i talk to the bank Agent regarding the interest the agent he informed me he will helping me to pay my old balance {$1200.00} with out interest and he will lower my payment from {$200.00} to {$59.00} for 2 years with out been late on my payment, I agree, because I don't want to be late on the payment i Gave the agent my checking account info to draw payment from my account and they start taking the payment from my account every month after one year I called the bank Again to make sure I am right track call my balance how do you spoke with another agent she informed me yeah I have one more year to finish my balance and I ask her about my balance she told me don't worry about the balance but when you finish your XXXX years you will be finish your balance I told her OK after XXXX months I called again to make sure I am OK on right Track They told me no I have to pay the interest on the balance because I didn't pay one time I know I spoke with the manager I told her I have agreement with you for two years to To pay my balance and close my account and she told me she got a check the phone Conversation and get back with me after one month after 3 weeks I got letters from the bank saying I have to pay the interest on my balance and I have 60 month payment plan, when agree for 2 years to pay the bank and close my account with bank. Please i am no working yet I need your help this bank Rip me offI already paid them what i borrowed from them now they add more then my balance just interest, 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 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

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

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

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

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

Company response to consumer: Closed with explanation