vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute with Equifax and other credit bureaus on XX/XX/XXXX regarding incorrect information on my credit report and score. I sent in copies of my Georgia state id, passport, and social security hoping that they could correct my information on my file. I just turned XXXX XXXX and while researching about credit I found that mines had a charge off from XXXX XXXX in XXXX. I contacted the credit bureau in hopes that they would correct my information and also delete the charge off because at that time i was only XXXX years old! There is no way that I would even be able to start an account let alone pay a bill at that age. I got my results XX/XX/XXXX and I feel that the company did not take the investigation seriously. From the information that I gave to them, to the letter that I sent personally explaining my issues on why this shouldnt be on my credit report. Equifax only updated my information and did not take this charge off from my account I dont understand why this closed account is affecting me still when I gave the company ample information verifying my age regardless of what XXXX XXXX could match because that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: GA

Complaint narrative:
XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, experian, equifax, and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XX/XX/XXXX, equifax, norXX/XX/XXXX consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/2021, I had a total of {$3000.00} in my EDD card. On XX/XX/XXXX I had a total of $ XXXXI never made a withdrawal from the XXXX to the XXXX, when I called Bank of America to report this, I was told that an investigation was going to be opened and that within 10 business days I would receive a new card and that I was going to be refunded my loss. Those 10 days went by and I never heard from the bank. I called on the XXXX day and was told that my initial claim wasn't filled out right and that they were terribly sorry for the inconvenience, I had to make another claim after being in hold for 2 hours. Again I was told to wait another 10 days etc on the 3rd day I got my new EDD card, but still not refunded those initial {$3000.00}. It is now XX/XX/XXXX and still Bank of America is giving me the run-around. Can I get some help please, I'm a single father of one struggling to get back on my feet due to this pandemic.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Due to Covid 19 closures, we had to take a forbearance on our loan. Under the CARES Act, we used the forbearance program to make sure we could get through these hard financial times. I have repeatedly asked to get a loan modification and have followed all of the required items. I submitted the paperwork and all items for the loan modification on XX/XX/2020. I have called every few weeks or more to find out the status of the modification with no success. Every time I call the loan servicer they tell me to wait or they will get a manager involved. It has been over 5 months with no success and now they are sending me collection notices due to non-payment. The program requires no payment until the modification has been put through. I fear that they will try to collect all back payments instead of adding them to the loan. We have a high-interest rate and have asked to modify the loan so as to have a more reasonable payment. Our income has been reduced and we need help to keep our 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 2021-04-08 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NJ

Complaint narrative:
I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows :XX/XX/XXXX Acct # XXXX - {$8100.00}, XX/XX/XXXXAcct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XX/XX/XXXX Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.

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 2021-04-08 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is a follow on to complaint ID XXXX. 

According to the CARES act and the XX/XX/XXXX Website : " Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. 

The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent XXXX past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. '' My loan was never in delinquent status. My credit history can prove that. As it states above, " ... the creditor needs to report to the credit bureaus that you are current on your loan. '' This is not what happened to PHH reports to the credit agencies. If need be, I will cite the actual CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, Ive attempted numerous times to have the credit agencies remove this account as information listed by the creditor is not only incorrect but it has affected me mentally and financially. Im not sure why Ive ever shown late, charge off etc but I want this account removed from all 3 credit agencies as requested numerous times. I have a right to have fair and accurate data listed according to FCRA

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 2021-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo I have two issues with my Business accounts for XX/XX/XXXX : - i ) They refuse to allow me online access to my statements as well as get paper statements for my business. They do it just fine for my personal accounts ( other Banks have no problem with this for business or personal ) but having spent hours on the phone, countless escalations they have failed to resolve my issue. 

ii ) They won't give me my full account number for my CD account. Would think we are legally entitled to this? Online it only shows last 4 digits, an online banking rep agreed to send statement with full account but again only last four digits shown. New banker tells me I have to go into branch with ID if I want it. I've told them if I have to go in it will be to close ALL of my business accounts and move elsewhere. Have wasted about 2-3 hours on the phone for this one too. Its as if they intentionally make it difficult so you can't close/transfer the account. Last time escalation went to corporate but phone was " disconnected ''

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 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase Account I want to close this account and withdrawal my money but you can't contact this site by email or phone they withdrawal money from my account with no authorization and overdraft myXX/XX/XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, Ive attempted numerous times to have the credit agencies remove this account as information listed by the creditor is not only incorrect but it has affected me mentally and financially. Im not sure why Ive ever shown late, charge off etc but I want this account removed from all 3 credit agencies as requested numerous times. I have a right to have fair and accurate data listed according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TX

Complaint narrative:
I sent a letter on XX/XX/2021 and haven't receive any response. its been 49 days. The bureaus only have 30 days to respond. This doesn't make any XXXX sense. This unfair and outrageous that they can operate in this manner. I want these items deleted from my credit report immediately. They just do what they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX RE : NOTICE AND DEMAND TO VERIFY ALLEGED DEBT To Whom It May Concern, This notice is in response to my recent request that Barclays Bank Delaware verify items on my consumer report that resulted from Identity Theft. Per the results of Barclays Bank Delaware investigation, I received correspondence via mail that the alleged debt was verified. However, per my request Barclays Bank Delaware has failed to provide me with any legal proof that I owe a debt. By law, I have a right to request legal proof of any alleged debt or claim of debt pursuant to the FCRA and the FDCPA. 

Per my initial request, pursuant to the Fair Credit and Charge Card Disclosure Act I have a right to request full disclosure of the terms and execution pertaining to this alleged debt through direct mail telephone, and other applications and solicitations to open-end credit and charge accounts and under other circumstances. This is a second request for Barclays Bank Delaware to provide such verification in order to substantiate their claim. Be advised that copies of statements do not constitute legal verification in which, the Black Law Dictionary 6th Edition defines, verification as a means to confirm and substantiate by way of an affidavit or oath sworn to under the penalty of perjury. Therefore, Im requesting that legal verification of this alleged debt be provided to me at the address provided. If verification of the alleged accounts XXXX affidavit or oath sworn to under the penalty of perjury ) is provided to me via mail, I will require 30 days to review and verify the documents ( original documents or certified copies only ) pursuant to U.S. Code 1692 ( g ) ( 4 ). In addition, until the requirements of the FDCPA have been met and your claim is verified, you have no authority to continue any collection activity and you will cease and desist from contacting me except via mail. Furthermore, please be advised that any reporting of accounts on my consumer credit report without legal proof of debt is a violation of the FDCPA and FTC and I will pursue all legal actions and remedies afforded to me under State and Federal law against Barclay Bank Delaware. 

This is my attempt to operate in good faith and with clean hands to clear up any confusion in this matter before taking any further action. Upon completion of your reinvestigation please provide any and all legal proof of any alleged debt or claims to a debt. If proof is not provided then these accounts must be removed from my consumer credit report. Thank you for your prompt consideration of this matter.

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 2021-04-08 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: GA

Complaint narrative:
XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, XX/XX/XXXX and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XXXX, XXXX, nor transunion consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I saw on my credit report that I had multiple accounts adding up to the amount of XXXX. I wrote to the hospital and applied for financial assistance. I never heard back. It has been more than six months. The debt is in collections at Bull Financial account # XXXX BULL FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I requested validation of the debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/ or medications received, but they also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I never signed a HIPPA form authorizing access to any such third parties having access to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo - A mortgage hold was requested due to financial issues resulting from COVID until XX/XX/XXXX. I have called the escalation department on average 2 to 3 times a week from XX/XX/XXXX to XX/XX/XXXX. I signed closing documents for a modification/HUD partial claim in XX/XX/XXXX. The process lagged, conflicting information constantly was received. In XX/XX/XXXX I paid my portion owed, all payments from XX/XX/XXXX to XX/XX/XXXX. I chose to refinance with another lender XXXX XX/XX/XXXX. Wells Fargo has given me and my new lender inconsistent information, dates and dollar amounts. Now it appears that they did not process the HUD partial claim because I am switching lenders. They are iabsolutely taking advantage of my situation because I have an FHA loan. Is there anyway I can get some type of assistance? As a small business owner and XXXX, this refinance is crucial to my success and being able to meet my basic financial needs.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is trying to collect a debt sold to them by XXXX XXXX for {$200.00}. 

In 2020, I had an electricity contract with XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX XXXX can not provide an accurate record of amounts owed and paid. 

Transworld Systems provided invoice XXXX from XXXX XXXX XXXX for {$500.00} as evidence of a claimed {$200.00} debit for XXXX XXXX. 

Transworld Systems has not provided any evidence I owe {$200.00} to XXXX XXXX. An invoice from XXXX XXXX XXXX for {$500.00} is NOT evidence of a debt to XXXX XXXX. 

Please require Transworld Systems to show this is a valid debt. They are damaging my credit by claiming I owe something they cant prove I owe. 

My wife is XXXX due to XXXX XXXX and we have XXXX children. I need clean credit to support my family. Id pay these extortionists off but they refuse to remove this from my credit report in return for payment. 

Please help me get some justice by making Transworld Systems follow the law! 

PS I filed a complaint # XXXX with the Pubic Utility Commission of Texas to get XXXX XXXX XXXX to provide an accurate record of amounts owed and paid. I pay my debts but demand they are accurate and correct.

Company response to consumer: Closed with explanation