vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.

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 2020-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.

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 2020-11-21 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: WY

Complaint narrative:
In XX/XX/XXXX, Experian accepted an unvalidated debt from a company called XXXX XXXX XXXX. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, Experian removed it from my credit report. 60 days later in XX/XX/XXXX, XXXX XXXX reported it to all three credit agencies again. XXXX and XXXX removed it immediately due to past investigation. For a second time, Experian allowed it. I disputed it again. Experian just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why Experian has reinserted a unvalidated deb that was removed 60 days before. I work for a bank, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help 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 2020-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE
State: NJ

Complaint narrative:
MY CLIENTS XXXX XXXX XXXX XXXX XXXX XXXX All of my clients have requested to close out there loan request and have there appraisals moved to another mortgage company. Acre Mortgage is the most unprofessional and mortgage company I have ever reffered my clients too. They miss mortgage commitment after commitment. They miss settlement date after settlement date if you think Im lying just check there reviews. They even threatened one of my clients with bogus fees if they left there company. Now they are refusing to transfer the FHA appraisals which is tying up my clients from moving forward with there settlements! 

There has to be something you can do to help my clients!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: VA

Complaint narrative:
12 months of on time payments in XXXX and XXXX reported as late by mortgage company. All three reporting companies fixed this last year, but Equifax and XXXX  are now reporting the same bad information again and have not fixed it despite repeated disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I leased a Volvo XXXX from XXXX XXXX XXXX. When I signed the lease I asked to move my XXXX plate XXXX from my old car to the leased car and it was done. The plate that was on the leased car was XXXX plate XXXX. 
In XX/XX/XXXX I moved to XXXX and changed the registration on the leased car to a XXXX plate. 
Volvo car financial services ( VCFS ) kept getting the bills from the town of XXXX XXXX for XXXX plate XXXX. In XX/XX/XXXX VCFS started sending me bills for the excise tax that they received from the town of XXXX for XXXX plate XXXX. 
I never leased a car with plate XXXX XXXX and I didn't own a car in XXXX since XX/XX/XXXX so I don't see why I have to pay for a plate I did't own in a state I wasn't leaving in since XX/XX/XXXX. 
I paid VCFS for XX/XX/XXXX of the XXXX bill since I lived 7 months in XXXX in XXXX. 
I would like VCFS to stop sending me bills for the mistakes they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
a person hacked into my checking account with Bank of America and stole {$2500.00}. They a service call XXXX. Bank of America did an investigation and told me the transaction was legal. I found out that Bank of America have a financial interest in this company that was used to hack into my account

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 2020-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
XX/XX/XXXX = Received XXXX  report showing a XXXX XXXX inquiry/possible account opening. 
XX/XX/XXXX = ( XXXX XXXX ) Contacted XXXX XXXX customer service via XXXX and spoke with XXXX @ XXXX office. She transferred me to XXXX in the Security/Fraud Department. With a full name search he was able to find out that an investment account was opened, but flagged and closed. He told me there was no funding into the account and no transactions were processed. XXXX was unable to provide me with a written statement ( mailed or email ) stating this information but directed me to send a written letter to Charles Schwab & Co , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to XXXX XXXX via USPS Registered Mail to the XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address. 
XX/XX/XXXX = UPDATE : No communication from XXXX XXXX XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to via USPS Registered Mail to 1 ) Charles Schwab & Co , Inc., XXXX XXXX  XXXX, XXXX XXXX, CA XXXX and 2 ) via USPS First Class Mail to the XXXX XXXX Operation Center, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Complaint submitted to Consumer Financial Protection Bureau

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 2020-11-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has refused to remove collections that will not validate the debts they say I owe, I disputed these collections in XXXX and they refuse to respond to my dispute! I have tried to dispute this for 90 days now Experians representatives continue to hang up on me, wont get me a supervisor, continuously lie to me that they cant get a supervisor unless they access my credit file, reporting fraudulently and not following the FCRA law concerning correct reporting, agencies continue to change information amounts owed, dates. Deragotory remarks. Etc. Also the items are not marked on my credit report as disputed they are showing as my accounts and even have been moved from collections to installment loans on my report! My FICO score is being shown as XXXX to me on my account but a different score is being released to creditors who inquire! Experians dispute phone number hangs up on you does not allow you to speak to a agent of Experian, I am providing this dispute to begin a criminal investigation by local police and the FBI to have all parties involved prosecuted for criminal activity and the unfair practices of stealing my personnel information, for effecting my credit scores and reports to prevent me from obtaining credit, and for misuse and conduct of my personnel credit files and personnel information, breaking consumer laws for fair credit reporting, and for fradulent investigations of disputes and corrections, releasing information that is incorrect to creditors, collection of money for membership and reporting false information on my account, refusal of protection of my credit file, allowing criminal agencies to break the law and putting false information on my credit file. A copy of this complaint and police report have been forwarded to the FTC, FBI, AND LOCAL SHERIFFS DEPARTMENT for investigation and prosecution I expect the CFPB TO INVESTIGATE AND ENFORCE THE FCRA FEDERAL LAW AND TO TAKE ACTION!! ACCORDING TO THE UNITED STATES ATTORNEY GENERAL, FTC, FBI, THE WHITE HOUSE. THE DEPARTMENT OF JUSTICE, HOMELAND SECURITY YOU ARE THE ENFORCING AGENCY AND I EXPECT A RESOLUTION AND REPORT OF INVESTIGATION OF HOW THIS INVESTIGATION IS CONDUCTED AND ITS SOLUTION!! I WANT ALL INFORMATION PROVIDED TO ME SO IT MAY BE FORWARDED TO LOCAL LAW ENFOREMENT AND THE FBI FOR PROSECUTION

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 2020-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I, XXXX XXXX am inquiring about my Bank of America Home equity line of Credit. My 2nd mortgage was discharged in a Chapter XXXX bankruptcy. I would like to know why my second mortgage was NOT forgiven in the National Mortgage Settlement Act. My first mortgage was modified under HAMP, and Bank of America never modified my second mortgage, which was to happen automatically or never forgave my 2nd mortage under National Mortgage Settlement Act. 
Please explain why nothing happened and I did not receive the assistance that was available. I would like this mortgage to be forgiven the way it should have been.

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 2020-11-21 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: Shellpoint Partners, LLC
State: WY

Complaint narrative:
In XX/XX/XXXX, XXXX  accepted an unvalidated debt from a company called New Rez-Shellpoint Mtg. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, XXXX  removed it from my credit report. 60 days later in XX/XX/XXXX, New Rez-Shellpoint reported it to all three credit agencies again. XXXX  and XXXX  removed it immediately due to past investigation. For a second time, XXXX allowed it. I disputed it again. XXXX  just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why XXXX  has reinserted a unvalidated deb that was removed 60 days before. I work for a XXXX, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
It stares i opened a Victoria secret store card but i never opened one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The representative hung up in my face ( XXXX '' ). I called back and explained that I had filed a dispute for a purchase of goods using my debit 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 2020-11-21 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Greetings, This complaint is against Citizens Bank located at XXXX XXXX  XXXX XXXX XXXX, Mi XXXX. Recently I noticed or I shall say I became suspicious of inconsistent transactions on my account. Money is disappearing from my account without my authorization. And that's just the beginning of my problem. 

On XXXX XXXX 2020 I noticed a transaction that was unauthorized and i called the bank immediately to report the transaction as fraud. My account was closed and the representative has issued me a new card. During the conversation with the Bank Representative I stated that I will like mailed copies of my entire transactions history. I was told I will be charged for wanting mailed copies. The Rep suggested online Banking about transaction history and she gave me an id number and reset password code. 

On XXXX XXXX 2020 at around XXXX I called Citzens bank because my online banking account was blocked. I spoke with two representative before they ended the call and stated that I could not have access to my online banking history. I was told that I can't look at my transactions history to determine any other incidents of fraud on my account. At that point I asked for an address to file a complaint and i was given a po box and an unknown number to call in regards to complaints. I asked the representative to transfer me to a supervisor because I didn't understand why I was denied access to my account, given a PO BoX address to file a complaint, and given a number to call that isn't associated with my bank. 

As of today XX/XX/2020 I can't access my online banking account, I can't get any mailed copies of my banking history, and I can't speak to any supervisors at Citizens Bank. I was placed on hold to speak with a supervisor for 2 hours and 36 minutes before the Bank associates ended the call. I call back and the representative say 'Hello ' right before they end the call. I call back and the cycle continues. The Representatives at Citizens Bank are nasty, rude, disrespectful, and psychotic. Can you call me as soon as you get my complaint. 

My name is XXXX XXXX. My address is XXXX XXXX, XXXX XXXX, Mi XXXX and my cellphone is XXXX XXXX XXXX. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: OH

Complaint narrative:
XX/XX/2020 - The US Department of Education conducted a hard inquiry on my credit. I did not give verbal nor written authorization for this inquiry to be done on my credit by the US Department of Education. In efforts to fix the problem, Equifax was contacted because that is where the inquiry is reported ; however, they stated that it was valid. It is unfair consumer practices to do a hard inquiry on someone's credit without their consent. I did not authorize the US Department of Education to do a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX  is not reporting this account, Equifax is not reporting this account, XXXX  XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XX/XX/XXXXis not reporting this account, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file,XX/XX/XXXX Account Number XXXX XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX is not reporting this account, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, XX/XX/XXXXis not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, XX/XX/XXXXand Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, XX/XX/XXXXand Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, Experian is not reporting this account, XXXX is not reporting this account, XXXX XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, Experian is not reporting this account, XX/XX/XXXXis not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XX/XX/XXXX Account Number XXXX XX/XX/XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, Experian is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OH

Complaint narrative:
I personally sent a certified letter to XXXX  regarding a tradeline called IQ Data International on XXXX XXXX. XXXX never responded to my request to validate this debt after. I explained that the debt wasn't mind and shared that XXXX has removed the debt as it was not valid. After not hearing from them after 40 days. I sent another certified letter XX/XX/20 requesting proof of any documentation using a 609 B notification and Still no response. Lastly, I've sent out a letter on XXXX and I am growing frustrated as I thought if I ask for a copy or a verification to support any finding that they were an obligation to respond. Can I please get some help here, I'm not sure what I need to do next. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief