vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: U.S. BANCORP
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND EXXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I'm XXXX XXXX complains is about a mortgage loan payment. 
I requested rein quote to bring delinquent payment current from XXXX XX/XX/XXXX for {$37000.00} in XXXX of XXXX XXXX dollars was sent and cashed XXXX XXXX {$35000.00} received and cash through fay servicing. from XX/XX/XXXX the money that was sent for rein has been accepted to satisfy delinquent payments I have not received conframation. That delinquent payment has been satisfied.i was told that the money is in consideration. 
As per conversation XX/XX/XXXX. To date i requested rein and had sent money to be applied toward delinquent payments and a letter satisfication.bring all payment current. 
As statement reflect next payment due XXXX 
I have talked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employee of fay servicing. 
Fay servicing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: MI

Complaint narrative:
Equifax is the ONLY credit reporting agency, that is falsely reporting a paid collection for {$150.00} from my previous apartment community XXXX XXXX. This account was paid BEFORE it made it to collections. it never should of reported at all, I believe something was definitely delayed with all that happened with the covid XXXX shut down, and worse enough its a negative reflection on my credit report. Equifax informed me within a few days that this was accurate and its NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly XXXX years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but XXXX refuses to remove the account. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus in XXXX and to LVNV directly in XXXX. XXXX simply ignored everything I sent them and verified the account. This account does not belong to me and they are refusing to even properly investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/XXXX I received an email from a subscription service, XXXX, that my card had been declined and I wouldn't be receiving my box. Great, I thought. I had that card closed in the fall because of unrelated fraud, I don't want or need this box, and since they don't have my card, it won't be mailed out. However, on XX/XX/XXXX, I was billed for the service just the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am in the XXXX business & have been unemployed since the pandemic shut everything down. I have HAD to sell my car. It was financed by XXXX XXXX XXXX XXXX who gave us a XXXX payoff letter ( see attached ). Based on that, the buyer 's credit union sent XXXX XXXX XXXX XXXX a check for {$21000.00} which was more than enough to payoff loan ( see payoff screen ). XXXX XXXX received the check XXXX, last XXXX morning ( see proof of delivery ). On Friday a XXXX XXXX representative confirmed they had received the certified check. But had not reason/excuse for why it had NOT been applied & my loan paid off & so title released. She said I would have to call the " Payoff Dept '' on Monday. 
This has dragged on so long that I have had to make XXXX payments to cover the interest XXXX XXXX KEEPS charging me so the payoff amount is less than {$21000.00}. What a XXXX XXXX XXXX XXXX they are XXXX Plus now, the buyer has been paying interest on his loan at the credit union!! 
This is outrageous treatment of a customer who has made EVERY payment on time & even paid ahead to help my credit & save some interest ... despite being unemployed for over a year (! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
North American Credit Services is attempting to collect an XXXX  debt. I have sent several letters to the company that go unanswered and I continue to get collection letters.The practice is quite suspicious because they have not acknowledged any of my requests ; I specifically asked they have the original creditor contact me to validate the debt but as previously stated, they have not answered or acknowledged any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: MD

Complaint narrative:
unauthorized hard inquiries on transunion. I have sent XXXX rounds of dispute letters of these unauthorized inquiries. XXXX and XX/XX/XXXX. 
The following inquiries are not authorized. 
XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX. 
Transunion has not deleted these inquiries.

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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called citibank several times to get an update on XXXX wire transfers that were fraudulently sent from my account. A scammer got a hold of my citibank information and had completely wiped my account. I called XXXX wire transfer department 6 times to get a hold of a supervisor to get a update on my account because a case was opened and I had filed a police report with my local sheriff 's department and also with the FBI. On XX/XX/2021 XXXX wires were sent in the amount of {$1500.00} and another for {$1900.00}. I disputed them and told them I did not give my password or ID to the scammer to get my information. They sent XXXX wires to a XXXX XXXX XXXX bank account. I tried several times to call with long wait times of over an hour long, then it would tell me the department was close and to call back and it would hang up on me. The department was open until XXXX XXXX XXXX so it was a XXXX hour difference for me but I always called in the morning and early afternoon to ensure I could get a hold of them. This is my last resort. I am incredibly angry and frustrated with this bank who has been nothing but a pain. I called citibank several times and XXXX person even refused to get me a supervisor when I asked. I have been banking with them for several years and this is how I am treated. The service of citibank has gotten very bad that it is forcing me to leave citibank and seek out another bank. 

On XX/XX/2021 I went to a local branch and I was forced to open another new account with citibank since this one was compromised. but then I had to close it because the citibank branch was demanding a utility bill such as a water and sewage bill or an electric bill to verify an address. I don't use my home address do to mail issues at my home either with wrong mail coming to my home or someone stealing it. So I usually use a XXXX XXXX and they stated I can't use it to verify. So I stated all I have is a cable bill that has both addresses on it. They stated that it was not sufficient and could not use it cause it was not on their " list '' of approved documents. So I was told that my new account would be blocked by the end of the day due to not having a document from their approved list. I was so angry and was forced to go back to the bank and withdraw them money and close my new 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 2021-04-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was checking my credit on XXXX website when it said that my Chase account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with XXXX which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from XXXX  would redirect me to Chase and instructions on how to unlink, the third  option after clicking on profile and settings was visit XXXX page. Problem is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called Chase where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the Chase fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext  and then not be able to unlink XXXX from your bank account. 

The Chase supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink XXXX to my personal data. 

This was accomplished through another means not the prescribed bankXXXX method. 

Its obvious the bank and XXXX are in XXXX XXXX XXXX you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which BANK OF AMERICA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I received an automated response from them and they did not update the credit report as disputed. 

BANK OF AMERICA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA. 

Attached is the letter I sent them and the response from the BANK OF AMERICA.

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 2021-04-16 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XX/XX/2018 I purchased a home with Shellpoint mortgage service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: MD

Complaint narrative:
Transunion is reporting debt from XXXX XXXX  without validation tried to have them correct the situation and they are refusing to do so XXXX  can not verify the debt

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 2021-04-16 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: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
College Ave has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

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 2021-04-16 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: NC

Complaint narrative:
XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

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 2021-04-16 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: LA

Complaint narrative:
Last XXXX Ive sent disputes for those inaccurate and unknown accounts but I haven't received any response yet it almost 60 days. I demand to delete those accounts asap or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The credit limit on my care credit account was decreased by {$2500.00}. This was done without notice and I am concerned about the impact that this might have on my credit score and credit rating.

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 2021-04-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed an account that was incorrectly reporting on Experian, the only bureau that the creditor, XXXX XXXX reports to. 

The account with XXXX XXXX was closed with a final payment made XX/XX/XXXX. In XXXX, XXXX I saw that there were charge offs reporting for XXXX and XXXX so I made the initial phone call to XXXX XXXX to ask them to correct this. I was told to dispute with Experian so I disputed with Experian and included the notice from XXXX showing my account was settled and closed. 

On XX/XX/XXXX I received a notification from Experian that my dispute was completed and the account was updated. I checked the account and saw XXXX, XXXX and XXXX were now marked in good standing and shows a charge off for XXXX. This is now costing me 8 points on my FICO score due to incorrect reporting by Experian. I contacted XXXX XXXX to again ask them to correct their records and report back to Experian and was told that XXXX has not been reporting since the final payment had been made and this is an error that Experian needs to correct. 

I have provided the payoff notice for the second time to Experian, who confirmed on XX/XX/XXXX they have received from the document upload option on their website. I was told the process will take another 30 days. I can not afford to wait this length of time for the records to be corrected and gain points back that I should not have lost, as I am in the process of getting ready to take on a mortgage. 

Due to the several inconveniences caused by Experian, I believe this account should be removed from my report for compensation based on the negligence of this 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 non-monetary relief