vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
Equifax and XXXX  should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on Equifax and XXXX. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This was settled through my lawyer XXXX XXXX with XXXX XXXX. 
This was a workers comp case. 
These are the payment made to XXXX  Hospital XXXX Check XXXX {$220.00} XXXX Check XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I purchased furniture from Acima Credit All payments were made on time and paid in full. In less than a month after paying for my furniture and having it for less than a month my furniture started breaking I took some of the furniture back to the consumer and asked for a refund which he refused to give to me. Then I had to do a charge back for the items that broke now assume it is turning around and putting those items back on my credit report as a duplicate which was already paid for in full. I have went on the XXXX XXXX XXXX site to see that Acima Credit has two stars in multiple amount of complaints for billing accounting collections and everything they are getting over on consumers every day and ruining their credit this Has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Motor Finance are morons. I paid off the loan as confirmed by them on XX/XX/2020. In both XX/XX/XXXXand XX/XX/2020 they have reported on mine and my wife 's 3 credit bureaus we have been late 30 days on each month. This after we had a XXXX  balance. I put in a complaint with them last month and they did nothing, now XX/XX/XXXXshows ANOTHER 30 day late. My credit score dropped over 100 points and I am trying to get a mortage now. Hyundai didn't care and told me to dispute it with credit bureaus 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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Voss & Klein, LLC
State: TX

Complaint narrative:
Received numerous calls from an unknown number. I received several calls from other business owners I barely know who received harassment calls from Voss and Klein LLC. I expressed in writing and verbally to know call third party individuals about this unknown contract with their company. They would not mail me or fax me proof of their client or any information.

I felt threatened and unclear on how or why this company is reaching out to me. I am reaching out to a consumer attorney because I feel my business and life are in danger. I want this company to handle business professionally and apologize for its business practices.

I googled the company and several folks online are saying the same thing that this company Voss and Klein harasses you and does not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CALLED TRANSUNION, XXXX  AND XXXX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )

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 2020-10-28 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: FL

Complaint narrative:
XXXX  and Experian should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the CHILD SUPPORT ENFORCEM partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX  is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on XXXX  and Experian. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-10-28 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with Continental finance ( XXXX XXXX XXXX XXXX ). I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX  and XXXX ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called Continental finance ( XXXX XXXX XXXX XXXX ) right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX  and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. 

I waited over two months and never received anything from Continental finance ( XXXX XXXX XXXX XXXX ). I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waited another month and called again on XXXX then finally a fraud department agent stated that they're still investigating and may take another month. It's been over 4 months now and XXXX  or myself didn't hear or receive anything.

This fraudulent hard inquiry is hurting my credit score. Please help me remove this fraudulent hard inquiry on my credit report. 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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
We refinanced our home with Quicken Loans/Rocket Mortgage. Quicken Loans/Rocket Mortgage had the payoff amount for our original home loan to XXXX XXXX XXXX XXXX  ( we provided them with the payoff amount that was good until XX/XX/20. We had our closing on XX/XX/20 and Quicken/Rocket was supposed to send the payoff amount on XX/XX/20. Apparently, XXXX XXXX XXXX XXXX  rejected their payoff amount and it was returned on XX/XX/20 and no one from Quicken/Rocket notified us nor did they contact XXXX XXXX XXXX XXXX to find out what was the reason. We received a call from XXXX XXXX XXXX XXXX  on XX/XX/20 asking us if anything was wrong and letting us know that we were past due on our mortgage payment with them and that if we do not make a payment by XX/XX/20 our credit score will be impacted. When we contacted Quicken/Rocket about this on XX/XX/20 they acknowledged the payment was returned and are still trying to figure out why and how to resolve this. They claim there was discrepancy with the amount they sent but given they had the payoff amount no one is able to provide us with the details on what has occurred. We have informed Quicken/Rocket that if this is not resolved today ( XX/XX/20 ) then we will be making the payment to XXXX XXXX XXXX to ensure our credit score is not impacted and they will need to reimburse us for this since we have already made our 1st mortgage payment to Quicken/Rocket on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX , XXXX . 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX 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 2020-10-28 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: TX

Complaint narrative:
I tried to resolve all my errors and inaccuracies with the credit bureaus such as Equifax, XXXX and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TX

Complaint narrative:
I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, Experian and XXXX but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.

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 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX 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 2020-10-28 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I CALLED XXXX, XXXX AND EQUIFAX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CALLED XXXX, EXPERIAN AND XXXX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )

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 2020-10-28 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: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

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 2020-10-28 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: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX  account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
There are three problems that occurred : 1 ) My mortgage company, New Rez, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has 30 past due, which caused my credit score to drop by over 100 points. It's outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current 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
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a valid unemployment claim under California EDD and entitled to receive unemployment benefits as an XXXX  XXXX under Pandemic Unemployment Assistance provisions of the CARES ACT. 

I have called BOA, and Bank of America says my claim is fraudulent because XXXX XXXX are not allowed to collect unemployment that is why they have debited my EDD debit card for {$16000.00} which is the total that they have paid me so far. 

California EDD department investigated my claim and has verified my Identification and has approved my unemployment claim. 

State of California is direct depositing my unemployment benefit money into my BOA EDD debit card, but BOA is keeping my unemployment benefit money and prohibiting me from withdrawing my benefits because they have taken the position that my EDD claim is fraudulent, even though EDD has investigated and found my claim to be valid. 

3 times I have called XXXX and was transferred to the claims department in order to file a dispute, and then I have been put on hold for about 3 hours each time. 

I am requesting Bank of America to give me credit on my EDD debit card for {$16000.00} as soon as possible.

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 monetary relief
Consumer complaint received 2020-10-28 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: GA

Complaint narrative:
Last month my credit score was XXXX with no late payments all year of XXXX and it has dropped 35 points and I would like to know why it has droppped to this on one month or less? This is incorrect

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