vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability

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 2021-10-04 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 have noticed multiple accounts on my report I do not recognize two time each XXXX Mortgage XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, 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 non-monetary relief
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
i have written this company transunion about a negative remark that appears in my credit file, about one negative mark in my files. they are the only credit company reporting this. i have written for over a year asking for validation, they write me back, saying they have verified it, which is entirely not the same. I have written the governor here in California as well. Validation is by a real human being with a process and signature, not by a XXXX  robot, making harmful decisions, that affect real human beings. I'm not sure how or how the american people allow this, a world where we never interact with a human, robots telling us what to do. I would please like you to send this to the company and where is the validation, documents process, human being i asked for, thanks

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 2021-10-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Prior to XX/XX/XXXX XXXX contacted American Express concerning debit to my card, which showed entries of XXXX penalty for a declined payments-these payments were auto set up and were being paid from my checking account and was being paid up until sometime in XXXX, when subsequently I realized that this debit was occurring, I call AA and was told that they can not waive because MY BANK, in this XXXX XXXX XXXX declined payment. 
I contacted XXXX and they have not record of this decline. Subsequently In frustration with XXXX  reps not being able to resolve, I wrote to XXXX  on XX/XX/XXXX, ( copies of the correspondence and post office receipt is attached ) outlining my concerning, with evidence. To date I have not received any correspondence concerning this issue. 
On XX/XX/XXXX I paid to to the card what I believe I legitimately owes them, and intend to discontinue ANY relationship with them, since it appears that they are treating this matter with utter contempt, notwithstanding, I would like to have this resolved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have disputed with all three credit bureaus and Citi bank and have had this information removed from my report twice already. 

Citi bank credit card opened in my name- This is fraud and i have filed fraud alerts, and put them on my credit report going back 7 years. 

I have called the credit bureaus And Citi bank and can not get this removed because I can not give them the correct information to access this account showing up on my credit report. XXXX and XXXX are still effected by this. 

I have also been issued a new SSN and the IRS has notice of this issue as it has messed up my taxes for 7 years now. 
Another person with same name birthday is using my info and it seems my old ssn and this new ones credit is linked with the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I received an alert that a collection account was placed on my credit report. Southwest Credit systems violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: VW Credit
State: CA

Complaint narrative:
I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: GA

Complaint narrative:
I have disputed an account on all three credit reports that XXXX XXXX XXXX used my information to open or someone open an account with XXXX XXXX XXXX, this account was already taking off of all three bureaus and now its on my credit report this account was open in my name and its fraud, please removed this account, the amount is XXXX dollars the name of the collection agency is XXXX, XXXX XXXX XXXX has done this many of times if another account is open in my name I will seek legal action and sue XXXX XXXX XXXX for damages, I am attaching a FTC identity theft report to this complaint to have this removed

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 2021-10-04 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Home Mortgage shows poor and inconsistent communication about the Escrow review process. I receive a new escrow analysis statement every few months and spend hours at a time on the phone with customer service trying to understand why my payments are projected to increase, sometimes hundreds of dollars at a time. I understand that on an annual basis, property taxes can increase and drive increased payments ( I work in XXXX, specifically XXXX XXXX, for a large XXXX  so I am well-versed on topics of this nature ). Each time I call I get a different answer on the cause of the increase, as well as a different promise that this will not happen again for another year. I have had multiple people tell me that my property taxes increased - within the same fiscal year - from the last quarter. This has happened multiple times. Other times, Wells Fargo has noted an escrow shortage of thousands of dollars, claiming I had a lapse in homeowners and flood insurance coverage. I would then proceed to spend hours on the phone with both WF and my respective HO/flood insurance companies, only to find out that they had sent WF updated policy information that had been " missed '' by WF. 

I get that XXXX payments are not fixed - taxes increase, among other factors, but communication from a financial institution should be consistent. Only moments ago, I had a customer service representative tell me that there is a chance my property taxes could go up again next quarter ( even though we are in the middle of a fiscal year ) so my payments could rise again. Wells Fargo demonstrates, once again, that their communication to customers is not only sub-par, but inconsistent and misleading. I do not feel that my personal and financial information are protected and well-managed at this institution and I am fearful of holding a mortgage here. I pity the people who blindly accept every answer they get from this company - if I had done that a few months ago when WF had lapsed in their communication with my insurance providers, my payments would be hundreds of dollars more per month.

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 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a chase checking account and mobile deposited a {$1800.00} check from Texas Rent Relief Program. On the XXXX of XXXX I opened another checking account and deposited a second check from TRRP for {$4500.00}. I opened two accounts because each account has a XXXX limit on mobile deposits. I had no problems with the {$1800.00} check as they made it available once cleared. 
On the XXXX of XXXX they have restricted the account with the {$4500.00} check due to suspicious activity. The check has cleared and is no doubt good. They said they need to verify the check. I've had 3way calls 2 separate times with chase and someone from TRRP to help verify this and they still have my account frozen. Not only the XXXX one but now they froze the other account too. I have no access to funds. The last thing a chase employee told me was there was nothing I can do about it. Amd no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX won't begin my boost they won't they say I'm deceased they will not add my power bill normally or my pay my phone or nothing else so I don't get my boost and I'm trying to fix my credit and XXXX XXXX  won't let XXXX XXXX go on XXXX to show that I pay all my bills so yeah that's really bad because I've made money for XXXX and they just said I'm deceased they just keep saying on deceased and won't barely give me a credit score at all and XXXX won't even do it either they saying I'm deceased and I'm not I'm XXXX on social security and I've been paying on my credit cards for 4 months with XXXX and XXXX and XXXX and they won't let me add that they won't let me add my rent they won't let me add my XXXX XXXX XXXX my cell phone bill so I can't never get a boost and I've been trying for over a year they won't do it and then everything else that's on my credit report is way over 10 years they supposed to knock that stuff off they won't do it they can ripping people off they just ripping people off all the companies are we're tired of getting ripped off I know I'm trying to get my credit score up and it I even went to credit school credit score on XXXX and I know what to do they will not help and they're just taking my money

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 2021-10-04 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: SC

Complaint narrative:
I have been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX attempted to collect a debt that was fraudulent. I disputed this for several months in writing as well as over the phone to no avail. They then sent this debt to Credit Control Corporation which sent me 1 letter several months ago. The letter included instructions on how to dispute the account which I completed. A very lengthy and detailed letter was sent to them, again, to no avail. After I sent the letter, I didnt receive any form of communication with them for several months, leading me to believe this was resolved. Credit Control Corporation added the fraudulent collections account to my credit report. Ive disputed the account multiple times with no results. I still have yet to hear from Credit Control Corporation and its apparent that they dont care that the account is fraudulent. I did not receive treatment at this hospital. I have not been to the XXXX XXXX  XXXX XXXX in over 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation