vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to fix this information directly with the bureaus for a while now and it's ridiculous. Experian has asked me to provide proof of personal information which I have. I've sent you a few certified letters with the information you requested and you still have information that doesn't belong to you. 
I only have one address and I need you to remove the other addresses that don't apply to me. 
I've sent you validation with my License and a few different utility bills. Remove these other addresses 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 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one offers only one way to verify your account when your device is not recognized when signing into your account. The only option is your mobile phone number. Today many people are traveling or working from remote places. Usually credit card companies will give their consumer two options to authenticate themselves 1. Email 2. Mobile phone number. Capital one only offers the second option. I was away on vacation for a month and did not have access. Capital One intentionally limits their clients to verify yourself in order to enter their own account in order to make a profit. I then emailed the company to unlock my account in order to make a payment and my email until today has never been answered. When I returned I called to make a payment and was told I would be set up for autopay. Fast forward to the day before my payment is due and capitalone sends an email alerting me my payment is due the next day. When I clicked the link to double check my payment was being processed- the capital one website falsely makes you believe your signed up for autopay but displaying an option in the middle of the page saying Cancel your autopay. 

Today, is my due date and I called capital one to confirm my payment would be going through today and they alerted me that my auto pay was never turned on. At that same moment I was assessed another {$40.00} late Fee even though the payment due date wasnt even over yet. They could have processed my payment the same day ( like most credit cards ) and avoided the {$40.00} late fee. Its not right another late fee can be assessed to a client when the due date day is not over yet. 

I will never do business with CapitalOne again and they should be investigated for deceiving practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This is the 3rd complaint. Mr. Cooper is placing the burden on the me to prove they were justified to charge me PMI. It should NOT be my burden. They should NEVER have charged me PMI in the first place. Please help me. On XX/XX/2020, I did write the email but that was ONLY after I'd called and requested the PMI be removed. I received the email from a phone call I made - otherwise I would not have been able to email anyone. The person I spoke to previously from Mr. Cooper gave me the email address! I am requesting Mr. Cooper reimburse me every XXXX of the money taken from me for PMI - pull phone records if needed. Also, I have another loan with Mr. Cooper with much less equity in the same zip code and Mr. Cooper has NOT charged PMI on that home. It makes no sense they would charge PMI on a home for which I have over 75 % equity. Please reimburse me immediately for {$700.00} ( XX/XX/XXXX-XX/XX/XXXX ) plus {$28.00} per year interest. {$790.00}. Thank you XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WV

Complaint narrative:
I received a text message from a company threatening legal action. i called the number and they told me it was for an old HSBC account from XXXX  that i have zero recollection of. They said they were XXXX XXXX XXXX. They told me i would be sued in 4 days if i didn't pay in full or set up a payment plan, giving them my credit card info. I asked but they could not verify the debt or send me any records of it. They sent me a docusign email to fill out, that's when i searched online and found they've scammed many people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I just reported a complaint about Transunion refusing to investigate my dispute or update my credit in complaint id XXXX. Transunion stated they were investigating the matter & have now incurred an error & the dispute disappeared entirely. This has been the FOURTH DISPUTE they closed without investigation. I have provided a letter from the creditor regarding the information thats incorrect on my credit report. Transunion damaged my credit score so significantly Im ineligible to purchase a home all because they refuse to correct a late payment report that was made by mistake regarding a student loan that is in DEFERMENT!!!! ALL STUDENT LOANS ARE DEFERRED. Ive already submitted a complaint about Transunion, who of course responded that theyre investigating the issue which they immediately incurred an error with & closed the investigation. PLEASE DO SOMETHING.

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 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX & I am a consumer Ive constantly told you guys that they have been violating my federal rights!!! I did not give them direct consent nor written instructions to furnish a consumer report. Yet Ive found over 50 items on my report HOLD THEM ACCOUNTABLE!!!!

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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I settled with portfolio recovery for a XXXX XXXX credit card debt and its still reporting a balance. This account is legally settled and is still affecting my credit because its reporting an inaccurate balance. The balance should be reporting {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I filed a report to Bank of America on XXXX XXXX regarding unauthorized transactions in my checking account. I told them i checked my account and the money that i had was being XXXX to this company called XXXX XXXX XXXX. I have never heard of this company and i didn't even know that you can XXXX to a company, i thought it was for close friends and family. The transactions that were sent as following : 1. XX/XX/2021 {$1200.00} 2. XXXX XXXX {$1000.00} 3. XX/XX/2021 {$1400.00} 4. XX/XX/2021 {$25.00} 5.XXXX XXXX, 2021 {$1500.00} 6. XX/XX/2021 {$2000.00} Total Amount : {$7100.00} I told them and asked them what i need to do, they told me they had filed a claim and will hold my checking account and help me open a new one. We had finished opening a new one and then they told me they will investigate this for 10 days and if still unresolved, they will credit me the money temporarily and have another 45 days to investigate. I recieved their denial letter today which is the 10th day dated XXXX XXXX. Their reason is because the transactions in question were completed using a device that is consistant with previous valid account activity. my claim is closed. 

This is not true since i didn't not do any of these transactions. I don't even know you can zelle to a company and i do not know this company called XXXX XXXX XXXX. I am not sure what to do since i have a strong feeling they do not care about this case and i called 2 times to confirm how my status is, every time they told me they were still pending and investigating the case. I feel like the bank just wanted to deny the claim and its like every protocol for big companies like Bank of America. In addition, the investigation work and response is ridiculous. Of course the person that stole my money would have my password and device ip address to send my money. How they did it? I don't know, but have you question who the recipient is? have the investigator contacted the company? why would i send money to this company called XXXX XXXX XXXX.? What the XXXX would i be buying? where is the reciept? and why would i use zelle to pay for anything? I just find it very ridiculous and it seems like a total Bank of America big coporation response to deny all initial claims. I worked really hard for my money and to have my money stolen from me is beyond outrage.

I want my money back from Bank of America, Please help me resolve this issue with them.

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 2021-09-10 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: TX

Complaint narrative:
To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/VXXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, XXXX and experian

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a checking account with Webster Bank. I have had this account for years. I wrote out a check for over {$1400.00} in XX/XX/2020. I was going to put a stop on the check after 6 months went by and it wasn't cashed. I specifically asked the people eat the bank if I should stop the check and they told me that after 6 months the check is stale and can not be cashed, I found out that the check was cashed this XXXX m, almost 12 months after it was written. The bank told me that they can do what they want at their discretion after 6 months. The bank misinformed me and the check should not have been cashed. They take absolutely no responsibility for this. No check should be cashed after 11 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to mentally heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My wife has tried to obtain her credit report several times in different circumstances. Each time, some automated system asks her bizarre questions that have no correct answers and seem unrelated to her records. 

Equifax has a long, slow process involving mailing in a form with a bunch of identity info to try to get a copy of the credit report. But it's too late -- we'll miss being able to buy a home due to the long delay that is starting. 

Why is Equifax allowed to continue to operate when they both lose our data due to terrible security policies, and then fill our records with incorrect info with no fast way to remedy? 

This company should be shut down. The remedies in place after the huge hack years ago haven't helped at all -- it's still a bizarre troll that should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
They are using an auto dialer to call at least XXXX to XXXX times a day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: LA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TN

Complaint narrative:
TransUnion is in violation of multiple FCRA laws. I am attaching proof of violation in the contents of this letter as well. 
1.Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2.Fact, I am sure the removal of information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; 3.Fact, the Fair Debt Collection Practices Act states the Permissible purposes of consumer reports and an unauthorized inquiries. You are report unauthorized inquiries to my credit report to avoid running a risk of fraud I demand removal, so be it, and ; 4.Fact, the Fair Debt Collection Practices Act states I have right to dispute inaccurate information, I demand all inaccurate misspelled names, address, and inaccurate accounts be remove immediately, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your in order avoid me receiving further injury, damages, mental anguish, reputation, and losses due to me being a victim of identity theft, so be it, and;

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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Both Trident Asset Management and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

XXXX ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date of Transaction - XX/XX/XXXX Financial Institutions - XXXX through Wells Fargo Bank Amount - two items, totaling {$280.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$280.00} Details Category : Other Outgoing Transfers Made an online purchase - at XXXX XXXX XXXX - I was sent a confirmation email, and then, they requested that I send payment to them through XXXX. The story / rationale they gave me for requesting XXXX was that they were able to hold their prices down by not accepting credit card transactions and paying credit card fees. 

They confirmed receipt of the XXXX transfer / payment, said they would send shipping info within minutes, and then, they disappeared. 

Never received my merchandise, and I can not seem to successfully file a claim through XXXX- The XXXX site keeps asking for a 12-character, alpha-numeric Payment ID, and Wells Fargo hasn't heard of such a thing.

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 2021-09-10 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: GA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation