vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose. 
Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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 am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 

I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I consolidated my FFEL loans with FedLoan to qualify for public service loan forgiveness. I submitted my app on XX/XX/21 with receipt confirmation on XX/XX/21. Since then I've heard nothing. My employe4 hasn't even been certified. Try to call them and you are spending a minimum of an hour on hold. Once I spent close to XXXX  hours on hold, someone answered then hung up on me. Then they tell you they have no information and continue waiting. I've sent multiple emails to customer service with no response other than the autogenerated email receipt. This is disgusting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XXXX I mailed a debt validation letter to ARS Account Resolution, and they failed to validate a debt at my request. Account # XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( INPHYNET CONTRACTING SRV LLC ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by 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 2022-01-27 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: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/2022monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.

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 2022-01-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax and XXXX is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. Equifax and XXXX says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX and Experian is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. XXXX and Experian says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal 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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OR

Complaint narrative:
On or around XX/XX/2021, I saw an online advertisement by KeyBank that if I opened a checking account and deposited {$500.00} within XXXX days, I'd receive a {$200.00} bonus. I made my first deposit of {$250.00} on XX/XX/2021. By XX/XX/2021 ( 60 days later ) I had made XXXX {$250.00} deposits into the account. I hadn't received my bonus and when I stopped into the KeyBank in XXXX, OR on XX/XX/2021, I asked why I hadn't received the bonus. The clerk said the promo was tied to my account, but she didn't know why I didn't get the bonus. She called the corporate office and was told that because I didn't make a single {$500.00} deposit within the XXXX days, I didn't qualify for the bonus. I feel this was a deceptive marketing strategy. I asked for a print out of the promo and was provided the attached print out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I sent out a letter on XXXX to all 3 credit bureaus a letter letting them know that I was unaware of there collections. it is affecting my credit and by law they have 30 dasy to look into this problem and give a response in which that I not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending XXXX XXXX XXXX, XXXX XXXX XXXX, CT. XXXX has refused to remove my Private Mortgage Insurance which I requested in XXXX of XXXX. As per my loan agreement ( see attached ) which Planet Purchased from XXXX XXXX XXXX it is my right to have it removed when the date the principal balance reaches 80 % of the original value of the property which was in XX/XX/XXXX I submitted a request to Planet 3 times as of today, I have good payment history I am current on payments required. Although all requirements in my loan agreement have been met Planet is trying to come up with additional requirements and fees see attached letter from Planet dated XX/XX/XXXX although not received in mail until XX/XX/XXXX. There is a series of emails I can forward if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX gave my Mortgage account to Shellpoint to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time XXXX  XXXX XXXX gives to Shellpoint ( 2x now since XXXX ). Shellpoint puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. Shellpoint blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX XXXX  XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I was having eft deposit a weekly basis from a known person and Ally Bank forced closed my account. In doing so they moved XXXX from my account to a unknown account. They verified the person who was sending eft through direct deposit was a known person. They need to return my XXXX to myself.

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During COVID Bank of America offered a forbearance. I asked that if I used it would the payments be put at the end of my mortgage. I was told yes over the phone. I received letters stating you owe such and such amount. I would call and ask and was given the reply that yes I was on a forbearance and would not have to pay until the end of my mortgage. This would happen about every three months. The forbearance was up in XX/XX/XXXX. At that time I resumed payments. From what I had been told I was sure the payments I was making were for the months I was making them in. 
I called when I saw online that my current payments were being used towards the XXXX payments that had been in forbearance. When I asked why that was as I had been told they were going to be put at the back end of the mortgage I was told that things had changed. They are now telling me I have to come up with all the money or they can foreclose on my house! 
This seems criminal to me. Had I been told that in the first place I would have borrowed money rather than use their forebearance plan. They have been charging me XXXX % interest rate as it is which seems like usury. I am not a young person and Im on Social Security. I dont know any place where I could get a new mortgage at this point. Please help. I just want them to put the payments at the back end of the mortgage like they told me they were going to do.Thank you

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 2022-01-27 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: EdFinancial Services
State: AZ

Complaint narrative:
I recently notice I had these negative school loan on my report. they are no mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-27 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: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My federal tax-id XXXX was used to open a bank account at Bank of America XXXX I received information from the an email sent to my former business email account XXXX ; stating that I had an update to my account. 
I knew of no existing Bank of America Account. When I went to the local Bank of America Branch ( XXXX XXXX XXXX, CA ), I learned information that is highly suggestive of business identity theft, personal identity theft, and bank fraud. After presenting the banker and branch manger my tax-id XXXX, and my drivers license ; I was told that the account associated with my tax ID did not belong to me. The account and tax-ID were not associated with my business name XXXX XXXX XXXX XXXX XXXX PA ; my social security number, my former ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX, my current home address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX. Account and Tax ID not associated with my birthdate XX/XX/80, nor any phone number related to me. 
The Branch manager then said that I had no relationship with Bank of America, as the tax- id given, no longer seemed to belong to me??? They did comment and say, " XXXX '' when looking at the account info until my tax id.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2022 I report it to experience that their information on my credit report was wrong. I was told via the app that I use and are paying for their services for credit monitoring that my credit score is not what I am seeing on the credit servicing app for Experian. The app says I have a score of XXXX thing which is a total lie. Because when my credit is pulled we see another score lower than the scores presented by the Experian app. This is fraudulent information that would not work in a court of law. We should always see a factual actual credit number that is reflective in all systems. Experian said they dont have to do this. That sounds illegal 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 2022-01-27 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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 — Card was charged for something you did not purchase with the card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I established a monthly payment to a company via my checking account with America First Credit Union. 

The credit union processed this as a charge to a credit card I have not used in many years. When I last used the card I had minimum payments established to avoid delinquency. When this new monthly charge began XX/XX/XXXX I expected it to come from my checking account which held a balance of more than XXXX. Instead it came from my credit card and minimum payments were not automatically taken out. The credit union did not notify me of this delinquency at any time by phone or email. When I later found out about it they told me letters were sent to an incorrect address. 

When I found out about the delinquency I immediately paid the balance and closed the account. I also asked for a print out of all activity. I did this on XX/XX/XXXX I noticed the credit union without my permission offset payments using my checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX. 

Despite the offset to pay off my debt, without my permission, they continued to report this account as delinquent to the credit reporting agencies. 

I disputed both the initial charge to my card as it should have been deducted from checking from the beginning as well as the late credit reporting and offset out of my checking account. They also could not tell me why my automatic payments were turned off. 

I was notified today, XX/XX/XXXX that my dispute was denied and that my account is being reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed with XXXX in regards to an incorrect address on my credit file. I have never lived at that address.

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