vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2300.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NY

Complaint narrative:
I took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education XXXX XXXX XXXX response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit. 
I am including screenshots from the XXXX website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed XXXX XXXX XXXX and aged off my report in XXXX because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed XXXX  XXXX XXXX sold to another agency who's address is on credit report under section Labeled XXXX. XXXX XXXX XXXX XXXX  XXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account.

" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education XXXX XXXX XXXX had been falsely reporting additiona tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
SLS is my mortgage company they continue to harassment working me out of my house. Ever year they sent shortage on escrow. Last year I told them Im on a fixed income. I paid the XXXX lister they raised my house payment from XXXX to XXXX again this year they are doing the same thing they want XXXX and the raise my payment XXXX. I told them I wanted to pay all the escrow so my payment stays the same. They are refusing that to force my payment up again. This is the worst company. They dont give you options. Its like they are slowly pushing me out of my home.

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 2021-09-22 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: TX

Complaint narrative:
XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

Experian and XXXX have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - BALANCE REPORTED {$6700.00}

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 2021-09-22 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: MI

Complaint narrative:
Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MI

Complaint narrative:
Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset

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 2021-09-22 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: MI

Complaint narrative:
Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MI

Complaint narrative:
Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22 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: MI

Complaint narrative:
Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing this letter in hope of recovering a missing mortgage payment I have made to Wells Fargo on XX/XX/2021 through my checking account aXXXX XXXX  XXXX XXXX On XX/XX/2021. I have always made my regular monthly Mortgage payment to Wells Fargo, yet they claim I am one month behind. 
Problem : When contacted to inquire about the missing payment, Wells Fargo claims, my XX/XX/XXXX payment was returned to my checking account at XXXX XXXX XXXX on XX/XX/XXXX as Revoked, and no further explanation was provided to why. According to my checking statement, no payments were returned by Wells Fargo. When contacted XXXX  XXXX XXXX about the returned payment, XXXX XXXX have denied ever receiving a returned payment. ( Please see the evidence ) Please note, prior to my XX/XX/2021 mortgage payment, my checking account at XXXX XXXX XXXX had more than enough money to cover the mortgage payment. 
As of today, Wells Fargo has closed all my claims against the missing mortgage payment, and informed me I am currently one month behind on my mortgage payment due to a revoked payment on XX/XX/XXXX. Also, XXXX  XXXX XXXX refused to open a new case to find the missing payment. 
I have all the evidence to prove that I have paid all of my mortgage payments since the mortgage was created. At this point, either the XXXX XXXX XXXX or Wells Fargo are holding one mortgage payment in the amount of {$3400.00} and not returning to me. 
Please help! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I had paid for a year in advance for garbage disposal from XXXX XXXX, their service was horrible so after a year I did not renew. They came and got the garbage cans. They are now demanding more money {$120.00} and have turned this or to Caine and Weiner. who are harassing me. I paid XXXX XXXX in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2021, there was non authorized withdrawal via XXXX  of {$2500.00}, {$1000.00}, {$7500.00} from my checking account. Another non authorized withdrawal via XXXX of {$3000.00} & {$500.00} was made from my another checking account from the same bank. 
I called my bank and promised to refund me temporally why they continue the investigation but later said they can not do any thing about 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 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I fill out an credit application with XXXX and the credit application got sent to Exeter. I need Exeter to send me a audit trail of my credit application, all documentary evidence with my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021, I log into my equifax.com account to pull my credit report and the report was blank. all my information and accounts are gone. I contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021 to get assistance to gain access to my credit report. i called multiple times on each day listed. i have even sent letters requesting a hard copy of my credit report. every agent told me they would escalate the issue to their " escalation department '' and it would take 7-10 days and they would send me a email. well it has been 2 months later and I have yet to here anything from anyone. and my credit report is still blank and i have not received on by mail. no one at the company will help, i have had agents hang up on me, and be completely rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a wire transfer of {$53000.00} on XX/XX/2021 to Coinbase. My money was deposited successfully, I left it there and trusted Coinbase is a safe platform and left my balance untouched. A week later, I wire transfer {$18000.00} to Coinbase again. When I checked it hours later, my balance was only 0. Nothing left in the account. I contacted their customer service and no one answered the phone. Just yesterday they email me and let me know my account was hacked and locked my account as well. I dont share any information to anyone, Coinbase is the only one who had control over my balance and my money just vanished without any proper reason. I lost my savings of over {$70000.00}. They still hang me on without any follow up emails. 
I want to report this company and ask them to give back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Upon receipt of my Capital One Quicksilver credit card, Capital One , Inc. did not inform me of my right to rescind any transaction under 15 U.S.C. 1635. On XX/XX/XXXX, I mailed an affidavit of truth ( attached ) to Capital One Inc. 's legal department ( certified mail receipt attached ) which requested my due compensation under 15 U.S.C. 1640 ( invoice attached ) for each time this establishment failed to inform me of such an important right. My financial planning has been negatively impacted by Capital One Inc. 's actions.

Moreover, this establishment used my social security number as a credit card number to obtain credit under fraudulent pretenses [ see 12 CFR 1026.2 ( a ) ( 20 ) ]. It has been two months and I have yet to receive any response from Capital One , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: MS

Complaint narrative:
My husbands credit report added a hit from Nationwide Recovery Systems on XXXX XXXX, 2021. The original creditor was from XXXX XXXX XXXX XXXX XXXX. They are a billing agency for physicians through XXXX. We previously settled a debt with them in XXXX so I contacted them. They stated nothing more was owed and had to idea where Nationwide was getting the dates of XXXX and XXXX and subsequent balances of XXXX and XXXX. They stated multiple times we owed nothing and nothing has been given by them to collections. They also told me how to get online and print out a itemized billing which I did stating he owed {$0.00}. This company has massive reviews on XXXX, XXXX  and other sites of scams and taking people 's money and not removing credit dings, etc. These people need to answer to all the anguish they are causing people.

Company response to consumer: Closed with explanation