vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: MD

Complaint narrative:
I am disputing my public and personal information on all XXXX of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknow things on my credit report. To this day over 38 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 38 days so they must be deleted as soon as possible. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
I have had a very difficult time resolving my issue with equifax. I advised them I was a victim of fraud. I called the consumer service line and spoke to a young lady named XXXX in XXXX and she advise me that she cant access my report. I filed a report with you guys previously and they advised you I didnt provide Enough info for them to address my concern. Which I clearly did by providing my social. So this time Ive attached a copy of my social security card and id since equifax keeps ignoring my concerns. Im requesting a current copy of my reporting I was a victim of theft the items have already been removed by equifax I just want a copy of my report reflecting that because for some reason Im getting conflicting information. So once again so that theres no ring around the roast Ive attached a copy of my personal identification along with the copy of the letter equifax sent saying this account was deleted. As well as other items showing account deleted please ensure items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-30 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: CA

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

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 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent a letter of verification to XXXX XXXX and Transunion. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently sent a letter of verification to XXXX, Equifax and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was booking XXXX Flights on XXXX XXXX and was about to proceed with the payment. There was Credit Card offer from American Express stating if you apply for the card and card got approve, you will receive XXXX XXXX statement credit and along with XXXX bonus miles if you spent XXXX XXXX within XXXX months. I instantly applied for the card by providing the usual information and it got approve as well. I have booked my flight tickets with the same card. Now in the credit card statement, I didnt receive XXXX XXXX credit and neither XXXX bonus miles though I already spent above XXXX XXXXXXXX within a month. While talking to American Express, now I am getting informed that I am not eligible for any of these Bonus offfer without any solid reason. They are saying you must have got a pop up while applying but I dont recall any such pop up. It just got approve ... I am literally XXXX with the company as the only reason I applied since I was getting this offer. No they are denying it to give. pls help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft.

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
When my stimulus payment was directly deposited the bank credited my account for previous overdraft fee 's in the amount of {$170.00}. The credit applied on XX/XX/XXXX, as an unsolicited deposit. 

On XX/XX/XXXX I received a secure message from Chase Bank, explaining the deposit was only temporary in order to access all of the stimulus funds provided by the government and it will be debited back in 30 days. 

I never requested the temporary assistance from the bank - and certainly did not agree to any type of loan with a 30 day repayment assistance. 

I sent a several messages to the bank with zero response, asking them to provide law and or policy stating what gives them the right to provide a loan without my permission, and they continue to respond with the same form letter sent on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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: AZ

Complaint narrative:
Hello Equifax. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021, thats 50 days ago, it contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. About a month later, on XX/XX/2021, I send another letter following up on the investigation. I submit a complaint with the CFPB on XX/XX/2021 and you close it say cant find any record on XX/XX/2021, a unacceptable 41 days later. This is a illegal stall measure so on XX/XX/2021 I sent another copy of every as well as a w2 with my full social on it. For a company that had my information involved in a breach I find it odd that you stall and choose to say you could find me with the large amount of identifying information I originally sent. What the XXXX is going on So On Im here doing another XXXX complaint so that the CFPB can monitor this neglect. Attached is everything I sent so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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, and I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
Transunion has refused to process my disputes for over 6 months now, I've sent a dispute every month. Last month, I changed the address to a new one listed on their website and it was returned undeliverable. It was been more than 30 days, I expect them to delete all the inaccuracies from my credit report. How does the credit bureau publish a dispute form and address on their website that is completely false? This should be absolutely illegal! 

Transunion : XXXX. XXXX XXXX, XXXX, CA, XXXX Attachment : Dispute form from Transunion 's website with this address on 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 2021-03-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  use XX/XX/XXXX XXXX XXXX XX/XX/XXXX state employees Credit XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AZ

Complaint narrative:
Hello Transunion. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021. 50 days ago. It contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. After not getting a response on XX/XX/2021 I send another letter following up on the investigation. Still nothing So I do a cfpb complaint on XX/XX/2021 because this taking to long to not hear nothing. Not until XX/XX/2021 you vaguely say my letter includes disputes and you will enter It into the system and within 30 days close it out 43days later a response saying got it. This is illegal according to the FCRA. I understand covid made things tougher for everyone but this is clear abuse or neglect.

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 2021-03-30 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: ND

Complaint narrative:
I requested my credit report from Equifax in XXXX of 2020. I was denied. I called Equifax customer service and was told my social security number does not match the information on file and they can not share any information with me. I was told to fax documents in order to verify my identity. I have sent my documents multiple times and am always told no documents have been received. I then received a letter in the mail from Equifax stating they were unable to locate my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MA

Complaint narrative:
My credit report shows a capital one credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted capital one they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX my husband and I filed for Chapter XXXX bankruptcy after a job loss. Our mortgage was not included in the bankruptcy, and we were not behind on any payments. We continued to pay our mortgage directly each month. 6 months after we filed our bankruptcy, our original mortgage lender sold our loan to Nationstar ( dba Mr. Cooper XXXX. We continued to make payments to Nationstar each month. Nationstar did not allow us to use their website to access our account information and only sent statements each month, often arriving only 3 days before the payment due date. On XX/XX/XXXX, I sent a regular payment of {$4100.00} to Nationstar, expecting it to be credited to our mortgage for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a statement that showed the payment was not credited as usual but instead held as partial payment ( unapplied ). I figured as long as they received the payment, they would credit it or send a letter explaining why. A letter never came. I continued to make monthly payments on our mortgage until I called to inquire about the suspense account and why that was still not applied. I was given a couple of different answers from Nationstar representatives and eventually told to send a request to their research department email. They would find out where the payment was. I never heard back from the research department. In XX/XX/XXXX, I received our yearly tax statement that showed a different balance than my records showed and a letter sent to our bankruptcy attorney petitioning the court to increase our payment to cover an escrow shortfall. Since they never credited the payment they are holding in suspense, they never receive the escrow amount for the XX/XX/XXXX payment, so they showed that our escrow balance was short. With our attorney 's assistance, we sent a letter asking about why they were holding {$4000.00} in a misc suspense account instead of crediting it to our mortgage and escrow accounts. The response we received was that the payment of {$4100.00} was determined to be short ( unknown why, but probably due to " fees '' they add due to the bankruptcy ), and when a payment is short, it is held in a suspense account until the remaining balance is paid. With that information, I sent in a payment of {$200.00} and copies of the statement showing the funds in the misc account and asked Mr. Cooper to transfer the funds from the suspense account and apply it to the XX/XX/XXXX mortgage payment. I heard nothing until XX/XX/XXXX, when I received the regular statement showing they were now holding the {$200.00} in the partial payment account and wanted an additional {$4000.00} on top of our newly increased payment of {$4300.00} for XX/XX/XXXX and XX/XX/XXXX. I can not get them to release the funds they are holding, and they have increased my payment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was sued by Ally Bank in XXXX, Indiana. They forum shopped knowing that I was not a resident of Indiana. I have lived in XXXX  and XXXX  for almost a decade. The auto loan they are attempting to garnishing wages for originated in XXXX XXXX, XXXX. I am a resident of XXXX XXXX, XXXX  and work for XXXX in XXXX XXXX, XXXX. 

The address they used in XXXX  is my parents address. My parents told the officer serving the papers that I do not live in XXXX. 

I was never served court paperwork or contacted at the XXXX or XXXX  addresses that Ally Bank has on file. This is obviously because the law would be less favorable to them in these states. 

To make matters worse, Ally Bank was already notified by the three credit bureaus and the FTC that this loan was the result of identity theft. 

Im now being order to appear in court in Indiana for a wage garnishment hearing and can not afford to travel there. I know they have violated the FDCPA and many other laws but I cant afford a lawyer and am shocked that it is somehow my responsibility to make sure this unscrupulous bank follows the law.

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 2021-03-30 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have a negative item on my Fica XXXX  Report. The Account is with New Res - Shellpoint MTG Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was Green Tree Serving it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy Court Case No XXXX. XXXX XXXX It is ordered that has been fully administrated. Chapter XXXX discharge. 
Dated XX/XX/2011. Shellpoint MTG can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation