vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: MI

Complaint narrative:
I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: MI

Complaint narrative:
I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit 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 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have relocated to another state and have been trying to get my car title transfer in the state where I currently live ( XXXX XXXX. The XXXX  DMV has asked for a copy of the original title from XXXX  ( where I used to live ) to complete the titling process. 

I have been in contact with Kia Motors Finance since XX/XX/2021 and have made several attempts for them to either send me the requested document ( so that I could share with the DMV ) or have them send it to the DMV directly. I have been unsuccessful in getting this ( fairly simple/routine request ) done and have wasted hours of my time. 

The Kia Finance representatives have continued to lie to me, each time convincing me that the issue has been taken care of - while the DMV 's records are still showing otherwise.

This issue has caused me harm as I was informed by the DMV that I woildnt be able to sell the vehicle until the title rransfer situation has been sorted out.

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 2021-11-15 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:
I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, Equifax and neither XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, XXXX and neither Experian. 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 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

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 2021-11-15 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. 
Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.

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 2021-11-15 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: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
Ive sent letters to all 3 credit bureau asking to have the removal of these regarding fraudulent collections item on my credit report Merchant ADJ Service/ XXXX XXXX XXXX XXXX XXXX have violated my HIPAA rights. This is a violation of my rights due to HIPAA laws & FCRA laws. Ive disputed these collections the XXXX, FTC.. I demand these accounts be blocked, deleted and removed from my consumer report immediately or i will file for legitation. I am trying to obtain credit and these fradulent collections are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: The Receivable Management Services LLC
State: NY

Complaint narrative:
The Receivable Management Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

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 2021-11-15 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
PLEASE HEPL!!! 

I currently have an account open with American Express for my platinum card. One of the benefits that this type of card provides is the Purchase Protection policy. It covers you for loss, damage or theft of items purchased with your platinum card for up to 90 days after the purchase. 

I recently bought a pair of gold emerald earrings in XXXX during a trip there ( XX/XX/2021 ), unfortunately I lost my earrings on a trip to XXXX, XXXX to the beach weeks after the purchase ( XX/XX/2021 ). I called Amex XXXX to provide all the details of the loss and submitted an online claim with all pertaining information. Since then, they have been really difficult to provide a resolution. Every time I call, the waits are long on the phone, and they have asked for a recorded statement, which I provided to them, nevertheless they have come back and asked for a recorded statement from all family members present in the trip with me, and also a recorded statement from the person who hosted us during the trip, and pictures from the trip. Amex XXXX is working with another party a G4 S claim examiner whose request for additional information are not adequate. This is in fact a way for them to make this claim 's resolution lengthy and difficult, and not pay the claim when by the policy means I am entitled to receive the benefit after providing all adequate information pertaining to the process of the claim. 

PLEASE HELP!! claims is for {$3700.00} Thank you!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in two certified letters to all three credit bureaus and the issue still has not been resolved as of this day. I also have received in the mail a data breach. I also send a copy of a police report when my personal information and purse were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
My name is XXXX XXXX, a consumer/natural person I am sending in this complaint on behalf of myself, there is no third party involved. I reviewed my credit report and found unauthorized inquires. I did not give written consent for these items to be furnished on my report or for the lenders to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I deposited a check into my account to avoid my account being closed. On XX/XX/2021, they told me that my account was closed, the check was not accepted, that I could go deposit it into another institution, in which I did on XX/XX/XXXX. 2021. My wife 's bank accepted the check, put a hold on the funds for XXXX to 5 days. On XX/XX/2021, my wife '' s bank made the funds available to us. On XX/XX/2021 the check was kicked back or returned in other words because Citibank did in fact accept the check. They then proceeded to put a block on my account, giving me no access to my money even though the check has been cleared, and the federal reserve has paid them. I have been told the check in being held because fraud, because the check has already been deposited into another bank, and or because my account was being closed. I have called multi times, i have called the bank who issued the check, saying the funds have been cleared for days. I have gone into the branch. I know that it is illegal to hold a check for more than 7 business days without cause. The check is not going to be returned because the funds have already cleared and my wife 's bank already returned the check for it being accepted into my bank. I have emails saying they accepted the check on XXXX XXXX 2021. Then on XXXX XXXX they said my account was closed, then on XX/XX/2021 they said they accepted the check and funds are available for immediate use. I have talked to two supervisors who said there is no reason for the account to have a hold on it. I had one who tried to remove the hold and was unsuccessful due to the security department not allowing it.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-15 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: NY

Complaint narrative:
The XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

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 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/21 and XX/XX/21 I send debt validation letters to Penn Credit Corporation and XXXX to validate the debt of {$200.00} they are saying that I owe. As of today no bills or any other documentation has been to sent to me as a form of validation. The claims were supposedly investigated. I asked for proof and nine has been sent. I has not received any Medical service from the original company they are saying that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: IN

Complaint narrative:
I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021

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 2021-11-15 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: IN

Complaint narrative:
I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. XXXX, Equifax and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: KY

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XXXX/XXXX/202 and | XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2021 we noticed a {$300.00} transaction from XXXX XXXX XXXX was approved and pending on our account. We immediately called Chase and notified them of the fraud and to get a new debit card number. This all happened ok except having to wait an hour on hold and being disconnected multiple times. 

I thought everything was ok and we watched the account for the outcome of the pending transaction. Would it fall off or post? If posted we knew more follow up would be required. As we waited, we were using the remaining debit card as the other was shut off. On Sunday, XX/XX/XXXX we withdrew funds from an ATM to purchase our XXXX son a puppy. I got a text from Chase fraud asking if I attempted the transaction. I replied yes and Chase acknowledged my reply. Next, Chase restricts my account and will not allow access to my remaining funds. I am being treated like a criminal instead of a victim of fraud. I have tried to call multiple times. The average hold time is an hour and a half. The agents do not try to help or offer anything. We get disconnected in hopes we dont have time to wait another hour and a half. We tried the branch no help there just to call the fraud department. Well thats more wait times over an hour and the agents just transfer us around with more exorbitant hold times. The bank is willfully understaffed. 

I need someone to resolve this. I just need someone to help me. I hope the cfpb can get someone to help and address their service levels. 

At this point, I dont know if I want to continue business with them. I just want what is rightfully mine. It is criminal to hold someones money hostage without being able to talk to a person without spending hours upon hours on the phone.

Company response to consumer: Closed with explanation