vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: NC

Complaint narrative:
I demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: NC

Complaint narrative:
As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. 

In XXXX of XXXX I lost my job and immediately went to my bank and requested a forbearance and got one beginning on XXXX of XXXX. I made the monthly payments of XXXX as agreed upon in the forbearance plan. In XXXX of XXXX I got a job and immediately asked for a loan modification. I still was making the XXXX for the foreberance payments and I received the trial modification paperwork in XXXX of XXXX. I was to make XXXX, XXXX and XXXX payments of XXXX + in order for the loan to totally be modified. I made each of these payments on time and in fact early for XXXX, XXXX and XXXX. The bank has reported that I was late for XXXX XXXX and XXXX on my credit report. According to the statement above with the CARES act this should not of happened. I need this corrected as I am having trouble with getting any credit with the bank reporting I was 90 days late. You can not get through to anyone to fix the problem and that is why I am filing this complaint.

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: MI

Complaint narrative:
I received a text message stating that my stimulus check was loaded on my Netspend card on XX/XX/XXXX. XX/XX/XXXX I tried to pay a bill but it didn't process my request. I have tired calling Netspend over 250 times. A recording came on and asked did try making a request for XXXX dollar to XXXX XXXX if I didn't press 2. How do I resolve the problem if they refuse to answer the phone. I need to get this resolved so I can pay my bill. My name is XXXX XXXX XXXX email address is XXXX. Any help would be appreciated.

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 2021-03-18 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: CL Holdings LLC
State: TX

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 2021-03-18 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: Eagle Financial Services, Inc.
State: OH

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 2021-03-18 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: MI

Complaint narrative:
For over a year I have submitted dispute letters to Experian Credit Reporting Agency to verify and remove several incorrect items from my credit report. The items were never verified by my signature on any of the account in question. As a result my credit score has suffered and I have been denied credit, which added negative " Inquires '' to my credit profile. It has been a negative chain reaction as a result of the neglectful investigation policies of Experian.

It is my understanding that Experian uses a computer authentication process, which clearly has flaws and is again negatively affecting my score. The accounts and inquiries below should all be removed from my Experian report for failure to produce an adequate signature from the debt collector. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX ( Never Late Company had a {$250.00} Deposit ) XXXX ( Inquiry ) Denied Credit XXXX XXXX ( Address Removal Have not Lived there in over 30 Years ) XXXX XXXX XXXX XXXX ( Add to Personal Statement section ; Owned for 24 years ) If Experian can make these corrections I will not seek legal recourse. 

Thank you XXXX XXXX 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 2021-03-18 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: NH

Complaint narrative:
I had disputed the following transaction with chase bank : XXXX - {$14.00} from XX/XX/2021 iI had raised this dispute because I had purchased a pack of chocolates from XXXX  and when I got home and I opened the box, I saw that half the chocolates were missing so I went back to the merchant to return it for a refund as its wasn't my fault that half chocolates were already consumed but the merchant refused to refund me so I called chase dispute department to file a dispute and the lady over from customer service was so XXXX, she asked me questions and I answered her and she told me that I have to wait for 15 days to get a refund from the merchant? Are you serious? The merchant clearly told me that they are not giving me a refund for anything and the lady over chase kept arguing and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After a hospital stay in XXXX of XXXX I set upon getting affairs in order. 
I spoke with Capital One Customer Service as to what lane I should be in to expedite the deposit of four ( 4 ) Cashiers Chks issued to Me by Capital One all on the same day and sequential numbers, i.e. last three digits being : XXXX. 
They suggested I send each to XXXX XXXX, Mn. The next day i sent # XXXX by usps registered mail and it was posted to my acct within 5days. I repeated that with # XXXX with the same result. Good When I sent # XXXX, it didn't post in 5 nor 7 mor 10days, so I called customer service Several times and informed them it had been signed for by them. It was finally posted on XX/XX/XXXX then Reversed on XX/XX/XXXX. I called cus. ser and nobody knew why. # XXXX is returned to me by Regular mail and marked as " Altered/Fictitious!! Again I call c.s and after arguing with 2 phone reps, I get one woman who says '' Oh, I see what the problem is ''. I'm relieved, but not for long. This woman XXXX instructs me to resend # XXXX as well as my 4th and final check # XXXX, which I did the next day by again, Registered mail. While I'm waiting to see both of these posted to my acct, an overnight XXXX  envelope is handed to me with both checks in side with note telling me Not to try depositing again. 
I am at my wits end with these people ( capital one ) These are 4 Separate Cashiers Checks issued by them/ to me on XX/XX/XXXX ( yes XXXX ). I sent these back separate in case something happened in transit ( mail ). The one lady ( XXXX ) saw the problem as # XXXX & # XXXX being the same amount {$7100.00} even though they are Separate checks. XXXX assured me she would make a note on my account to alleviate any issues when i mailed them back Again on XXXX XXXX. XX/XX/XXXX they were returned to me by XXXX. 
This ongoing back & forth along with being accused of " Altering '' or Rendering a fictitious instrument is not doing anything to help my XXXX XXXX. 
Respectively, XXXX XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: I.C. System, Inc.
State: TX

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 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 2021-03-18 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: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XX/XX/2021 a tree fell through my house a total loss. I have since decided to leave the house pay off the mortgage and donate the lot. On XX/XX/XXXX the insurance company mailed me the check for XXXX. I sent it and due to weather it did not make it to Carrington Mortgage in Texas until later XXXX. On the XXXX site it states the check made it on XX/XX/2021. On the Carrington mortgage website it states payment received of XXXX on XXXX XXXX. My payoff amount is XXXX. My file owner is XXXX who told me to expect my disbursement in 15 business days which puts them as currently late. They continue to call me asking me for payment on my late mortgage, and have reported me as late on all three credit reporting agencies. it shows on the website at Carrington mortgage as funds received but as XXXX credited for principal, interest, escrow or late fees. Every day I check and it never change it. I called my file owner yesterday she has not called back. I don't want to have to pay my mortgage I just want to close out this chapter of my life and move on. It is Carrington Mortgage and my loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I am reaching out because I had my credit recently pulled and I was informed I had a collectio with Allied business Services that I was unaware of. I reached out to the collection company and asked them for documentation regarding debt & after speaking with them, I was able to verify with the original medical provider that I had paid this debt already and thus, Allied Business Services is not only inaccurate reporting a collection on my credit but is trying to unlawfully collect on a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX  on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

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 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 2021-03-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  Transunion Im Writing to you today in shock due to the fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

Todays date Accounts is being reported with 2 different prices under date last active. If this is the same account being reported by the same creditor why is the information different? 



XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX TRANSUNION Account Name : XXXX XXXX  Account Number : XXXX Balance: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 2021-03-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Im Writing to you today in shock due to the fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

Todays date Accounts is being reported with 2 different prices under date last active. If this is the same account being reported by the same creditor why is the information different? 



XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX XXXX Account Name : XXXX  XXXX  Account Number : XXXX Balance:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select portfolio servicing for XXXX XXXX has {$370000.00} principal payments I made to two mortgages from XXXX XXXX XXXX XXXX XXXX. They returned {$83000.00} -apparently from my escrow account and then kept all of the {$350000.00} the buyer gave me for my house in XX/XX/XXXX. 
The pay history shows a new loan of {$270000.00} I did not sign and no one gave me. There is a {$230000.00} loan disbursement that I believe paid off the real mortgage that XXXX XXXX  failed to release.because of this I now owe about {$30000.00} in taxes and penalties on {$120000.00} I had to take from my retirement to close on the new house. I bought the old house for {$260000.00} in XXXX. I put {$60000.00} down and mad {$620000.00} payments. I sold it for {$360000.00} and spent my retirement to buy a {$210000.00} house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I bank with TD Bank in XXXX XXXX, Florida. In XXXX fraudulent charges were made to my account, so the account was closed and we ( XXXX XXXX and I ) opened a new account with TD. However, we were told the account would still receive deposits for 60 days and then close automatically, nothing more we needed to do. Fast forward to yesterday XX/XX/2021. XXXX and I both had our stimulus checks deposited to the " closed '' account. I went to my local branch first thing in the morning and spoke to XXXX. XXXX then called and spoke to a XXXX, who said the checks were indeed in the old account and he was move them to the new, saying I would see this change tomorrow XXXX XX/XX/2021 ). I check this morning and no deposits. I go back to the branch and talk to XXXX again, and again she calls and speaks to someone from TD. They tell her yes, it is being moved from one account to the other and would take a couple days. But then, in the same breath they tell XXXX no, it was sent back to the IRS. I spoke to a Supervisor for TD and they said legally they can not hold money in a closed account. However, even though I was told it would close automatically, it did not. It has been frozen this entire time which is why it was able to receive the deposit at all. I, just like many others, needed that money badly. It was not a closed account, I went to the bank first thing, I was given false information on several occasions, and they could have moved the funds. Even my local branch is in awe that they sent the deposits back. I want to sue for the emotional, mental and financial stress this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
False Promises and Incorrect Information.

Transworld Systems Inc. promised they would delete this account from my credit as I paid it, and it is a utility, during Coronavirus. They are still reporting that account. I wrote them a letter asking them to keep their word. That letter was returned to me. They reported the wrong address to XXXX. They have totally misrepresented all facts associated with this account. I DEMAND JUSTICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Business loan inquiry - US SM BUS ADMIN ODA got a copy of my Experian Credit Report. 

Date : XX/XX/2021 I put a freeze on : Experian, XXXX, XXXX on XX/XX/2021. 

I called US SM BUS ODA and had the application cancelled. 

Application # XXXX XX/XX/2021 The inquiry was requested from this address - XXXX XXXX XXXX, XXXX, NY 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 non-monetary relief
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC bank incorrectly credited my account and then tried to collect incorrect amount from me. While I was dealing with HSBC and filing a complaint, HSBC reported my account delinquent. Attached you will find a letter from HSBC stating that they were wrong and that no negative reporting was done ( paragraph 3 ). I attached a screen print showing that they reported my account delinquent. 

I hope I explained everything

Company response to consumer: Closed with explanation