vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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: TX

Complaint narrative:
I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from Equifax. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both Equifax and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, Equifax now says they are mine. In the credit report Equifax sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report Equifax sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance.

Equifax had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Cards switched my account to a new credit card without my implicit consent. Charges made with prior card were billed on new card. I began receiving late notices. When I contacted Citi they told me I had only one account & to ignore the calls. A few months later I learned my credit score dropped significantly. When I called Citi the situation was straightened out, but they only remove one late charge and kept interest charges caused by their mistake. I called Citi and they refused to take additional action to remove late fees/interest charges caused by their mistake.

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 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Some time in early XXXX I called a company named XXXX to cancel my telephone service. After spending 20 minutes on the call and repeatedly telling the representative I no longer wanted their service I was unable to get them to cancel. I have since been filing multiple disputes with my Chase credit card. I was told that after 3 months they would be able to reject the charge. As you may have guessed they have not and stated they can't despite the fact that I have since sold my home and have been traveling overseas since that time.

Today I called to reject another charge and was told they can't stop them from billing me so I cancelled the card. I was told they will still be able to keep billing my old card number and I will be responsible for the charges. Sure could use someone's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a federal trade commission ( FTC ) letter and dispute letter to Transunion credit bureau notifying them of these fraudulent inquiries they I dont recall nor recognize reporting on my consumer credit report. They have failed to delete these off my credit report. This is stressing me out and causing harm to my score. I dont think they are taking me serious and I need something done about this no one is listening to my requests like this is a joke and this is real life MY LIFE. Me as a consumer Im suppose to feel protected and this doesnt seem like it, I just want transunion to follow the law because I do know my rights and delete these inquiries that do not belong to 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 2021-11-07 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: WA

Complaint narrative:
*THIS IS NOT A DUPLICATE* I am submitting more documents refelcting my monthly payment amounts that Equifax and XXXX is showing over {$40000.00} per month required payment which his an error. Please correct to agreed amount as per FCRA. 

I am NOT required to pay over {$40000.00} per month I am including PROOF of payments plus documents of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar claimed my house was foreclosed last XXXX ( XXXX ) and sale date was recently set for XX/XX/XXXX. I never received any notice of either hearing or judgement based on non-appearance ( only mail required regardless of receipt ). I have numerous correspondence with Nationstar including CEO asking for help in resolution before this action and never given responses or options. Prior, Nationstar had erroneously foreclosed and had took title of house in XX/XX/XXXX. I had an XXXX XXXX  which was to avert disclosure and pay off most of the following year expenses for taxes and insurance. Foreclosure was vacated in XXXX but title not reversed until XX/XX/XXXX!!! after numerous appeals to company and lawyers. As a result of title issue, I could not buy insurance and taxes XXXX XXXX % due to loss of homestead appeal. In the meantime, Nationstar sold the loan first to XXXX around XX/XX/XXXX. I notified XXXX  that I wanted to get forbearance under CFPB regs for lenders to " double down '' on helping borrowers avoid foreclosure. XXXX denied any knowledge of CFPB. I sent request in writing and never got response. Apparently, same lawyer represents both Nationstar and XXXX. Recently, loan was again sold to PHH with my asking for forbearance and no knowledge of CFPB requirements. Last week, I discovered that another party bought " mortgage '' of $ XXXX that was to be forgiven after staying in house for 2 years, apparently hindered by the change in title. Lawyers for Nationstar have been very uncooperative. Not returning calls for 10 days, taking almost a month for getting payoff data full of mistakes, refusing to even respond to my attorney in a timely manner when I am facing eviction in less than a month. I had a buyer but the delays and title issues may jeopardize. I believe that the law firm colludes with Nationstar to drag out responses until time runs out. I have already written to Secretary of HUD regarding the failure to follow procedure during the foreclosure process last year. I am now seeking help with CFBP to help. I have further evidence that the foreclosure may be in retaliation for a prior complaint sent to CEO of Nationstar. Further, the total lack of acknowledgment of CFPB existence and " double down '' efforts by banks probably impacts many who didn't work for the Secretary of HUD at one point and read through the regs. The lawyers avoid answering questions and providing answers. I fear that many other foreclosures will be made regardless of CFPB rules. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System is illegally reporting my private information to an uninterested third party/public agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with I.C. System for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.

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 2021-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Sensible Auto Lending, LLC
State: MD

Complaint narrative:
On Wednesday XX/XX/XXXX I had went to XXXX  in XXXX MD to inquire about a vehicle that was online and had been sold. This is my first time doing anything with credit so I wanted it to be a great deal on both ends which I had explained to sales man XXXX and he guaranteed I would have a great car to start off with. Come to find out I was sold a lemon because within the first two days I was hearing bad noises, had missing lug nuts and wasnt sold what I was promised. Not to mention I was taken advantage of been as though I was told we where checking the range of cars depending on price and I made it clear I was not there to purchase but look and needed to know what I could afford and ended up finding out through credit karma that a hard inquiry was ran. Then I was told to say false info by sales person XXXX such as to finance company that I had test drove a car I didnt even see. At that point I asked to trade in car by Sat XX/XX/XXXX when the engine light came on but XXXX told me hed be able to do it Monday but the car wouldnt start Monday. Due to key battery or car so I was then told that I didnt have all the necessary insurances GAP when it was time to trade in car which definitely rubbed me the wrong way because when I asked questions I was ensured everything would be ok but not guaranteed like they tried to give me the run around and been as though there was no regard for my life which I expressed. I was then given a refund and told that whether trading in or refunding they would be able to remove hard inquiries which I had no idea about until it was done. I found out that was false after multiple times of trying to notify authorized parties such as insurance etc that they couldnt do anything and that I could possibly have hard inquiries that could possibly affect me short term and long term because of this bad deal I was trying to avoid since I was able to have credit just to start and build my credit and life. And this could be a major setback or even worse. I have videos and photos of the vehicles issues its a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed by the XXXX XXXX XXXX XXXX and FBI agent in XXXX. i was scammed about XXXX dollars. once i found out i was scammed i took proper precaution and filled report to the real FBI IC3 department, Bank of America fraud department and police station.

I got an acknowledgement form to sign to start the investigation on XX/XX/XXXX from BOA, i signed it and sent it back on secure message on the same day i received it. After i signed it i called back to make sure BOA received it. This is the number they have provided me to call when i filed my claim, XXXX called them back to verify if they received it and they said they did and i had to wait 30 days for the other bank to reply. I called again about 2 weeks after I filed it to see how the claim was going and they said to wait. Then i called when its been about 30 days, they said it can take up to 45 days. Then I got a phone call from BOA on XX/XX/XXXX saying they never received my paperwork to start the investigation. Now I am very disappointed and upset at the negligence and lies that Bank of America told me. The chance that I had of catching these scammers is pretty much gone. The BOA negligence has cost me any possibility that I may have catching these guys and getting my money back.

It almost makes me feel like BOA was in for this scam as well, the negligence now made it harder for me to catch these scammers. And for BOA to call me on a Friday evening when everything was closed was the techniqueScammers used as well so i can't react to recover my funds.I been with BOA for over 10 yrs and this is how they treat their customers and their money is just mind blowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Date of Birth : 1984

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent debt collector XXXX XXXX XXXX XXXX a letter and a copy of my identity theft report, the letter and identity theft report to XXXX XXXX XXXX XXXX was dated on XX/XX/21, and all documents was received by XXXX XXXX XXXX XXXX on XX/XX/21 at XXXX Est. 
It's been 30 days that the debt collector has not responded. Included in this file is a letter to TransUnion dated on XX/XX/21 and a letter to XXXX XXXX XXXX XXXX dated on XX/XX/21 and certified mail receipt to XXXX XXXX XXXX XXXX dated XX/XX/21.

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 2021-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
When I logged in to the NewRez website to make my XX/XX/2021 payment of {$850.00}, I realized that I had missed making my XX/XX/2021 payment. I immediately called NewRez and made a payment over the phone for both XXXX and XXXX authorizing an amount of {$1700.00}. The representative made a mistake and processed the payment of {$1700.00} twice but immediately cancelled the duplicate payment. Since the correction, my online payment history, principal balance and escrow balance appear to be incorrect.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX. 

On XX/XX/2021 almost 60 days later I received a letter from the data furnisher XXXX XXXX XXXX with a printout of procedures that I supposedly went through at XXXX XXXX XXXX. TransWorld Systems did not include a signed release of information signed by me nor did they include a HIPAA form signed by me and I never signed a HIPAA form for a company called Trans World Systems to have access to any of my personal medical files. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX notifying them that my HIPAA rights have been violated. I have not yet seen the violating accounts deleted from my credit file.

According to the FCRA Trans World Systems has violated my HIPAA rights, they are mailing out medical procedures with my personal information on them. 


TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by on online business. I used XXXX and I called my bank for help recovering or trace the money but they said they cant help I dont know what else to do. I already reported the scam. The scam happened on XX/XX/2021 I was requested to pay via XXXX to 2 different accounts I paid {$250.00} to XXXX XXXX ( XXXX ) XXXX and {$400.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
The company Affirm allows you to purchase products at a retail store and pay in installments with interest. I purchased 2 items on XX/XX/2021. The interest for the loan is % XXXX. On XX/XX/2021 I returned one of the items, significantly lowering my balance on the loan. I am charged biweekly with interest on the loan. Despite returning part of the order 7 days after acquiring the loan, the return is still not showing on the account 3 weeks later. When I called Affirm they said it may take 45 days to process the return- which also means I will pay interest on the loan despite the fact that part of the product was returned- this affecting the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these disputed accounts are accurate and belong on my file along with copies of the documentation that they used to verify the accuracy of the items I disputed you ignored my right to request this information from you. Rather than complying with your duty to provide me with this information, your repeated refusal to comply clearly demonstrates your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your boiler-plate responses to them.

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 2021-11-07 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXBalance {$110.00} XXXX XXXX XXXX-Balance {$1400.00} XXXX-Balance {$9200.00} XXXX-Balance {$790.00} XXXX XXXX XXXXXXXXBalance {$11000.00}

Company response to consumer: Closed with explanation