vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$180.00} to Transunion on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. I have also attached a copy of the payment history. ) This account has in fact been paid and this false reporting of a collection is seriously harming my credit score. This line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted both XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX : Applied for Refinance of my mortgage. Amerisave loan officer ( XXXX XXXX NMLS ID # XXXX ) said that he copied my information from my existing mortgage ( a joint mortgage with my spouse ) that is with Amerisave to the new application. Was committed a loan credit of {$1600.00} towards the closing cost. 
XX/XX/XXXX : Received email commitment from loan officer on the rate protection. 
XX/XX/XXXX : Received a call from XXXX XXXX XXXX XXXX XXXX a loan processor to review loan information. She informed me that the application is not in joint name and said the loan credit is only {$960.00}. 
XX/XX/XXXX : Received closing disclosures with a different loan credit ( earnest money ) of {$960.00} versus original {$1600.00} committed. 
XXXX XXXX XXXX XXXX : Had several email/calls with XXXX XXXX XXXX She told me that XXXX XXXX would be able to add my spouse to the application and I have to talk to XXXX about the earnest money. 
XXXX  XXXX : XXXX XXXX on the error. 
XXXX  XXXX : Got response from XXXX that " I have all of her information, so I can get the new file started, have her added, and get everything taken care of for you. Just confirm for me that you want me to add her for you '' XXXX XXXX : Replied back " Yes please add her ''. 
XXXX  XXXX : Got new disclosures and realized that it is a new loan with different terms. The original loan was cancelled and the new application had different fee structure. This came as a surprise as the loan officer never disclosed that it will be a different loan application with different rates. I had asked him to add my spouse to the loan application and not cancel the existing one. Also the original application was what XXXX copied from the existing loan so I assumed it was accurate. 
Between XXXX XXXX XXXX : contacted XXXX and his manager through email and voice mails. Never got any call back to my voice mails. Got clarification that the pricing is going to be what is in the disclosures. Shared with them that i was planning to file a complaint. 
XX/XX/XXXX : Got email from XXXX XXXXXXXX XXXX  manager XXXX XXXX XXXX that they will honor the original credit of {$1600.00} and will re-issue disclosures. 
XX/XX/XXXX and XX/XX/XXXX : I have followed up with XXXX but did not get any response from XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I paid back {$600.00} already the amount of over {$1300.00} is interest of money that i did not receive when I had credit card active. Everytime I call XXXX young guy answer phone always refuse me to talk to manger hangs up phone he never want to give me a reasonable amount to pay midland credit made the amount over 1,300 there selfs thats a complete scam they never let me talk to managers its ruin my credit score complete scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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 attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and Transunion has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.

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 2021-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And Experian report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.

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 2021-06-07 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: FL

Complaint narrative:
On XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/21 your agency had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX  XXXX XXXX {$470.00} and XXXX. XXXX XXXX XXXX XXXX  XXXX {$4600.00} Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately

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 2021-06-07 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account on XX/XX/2020 and held my balance for 180 days. 
Today it has been more than 239 days and I still have no answers. 

I try to communicate with them and they don't give me the help I need. They do not want to give me any explanation and I am already tired of calling and writing to the chat. I have asked them justification of why they have withheld my balance beyond what is stipulated in their policies and they do not give me an answer. If this continues, I will have to resort to legal situations, I will not allow them to keep my money. this is the email that is linked to my Paypal " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Financial Credit Network Inc
State: CA

Complaint narrative:
Please forward the information to FINANCIAL CREDIT NETWORK, INC. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian should not be reporting the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This item was previously deleted from my credit report however, I just reviewed my most recent credit report and this item has reappeared. This false reporting is harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this item however, I have not been successful.

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The Circuit Court of XXXX County started a foreclosure proceedings process while I was under the protection of Federal Bankruptcy Protection. And they furthermore, granted the banks J. P. Morgan Chase, N.A., and XXXX XXXX, XXXX, ( The Trustee for J.P. Morgan Chase ) who actually filed for the foreclosure proceedings which was an illegal act in and of itself! 
There was evidence of bank fraud and the case was heard by a circuit court judge without me being present for the proceedings nor was I notified of said proceedings. The way I came to know about all of this is when a process server taped a notice on my door, rang the doorbell and ran back to his vechicle and drove away. So, I never had a chance to face my accusers, which is a violation of my constitutional rights. And, the process server gave false affadivit stating that he served the homeowner and that was not true either. I tried to obtain justice in the Federal District Court but the case was repeatedly thrown out citing the lack of subject matter jurisdiction each time. It was never on the merit of the preponderance of evidence that I provided to the court for remedy and recourse. The Case No. # XXXX, and the XXXX Court dismissed the case also citing lack of subject matter jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: LA

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 60-89 ) days late on the XXXX accounts. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it would be impossible to be late on accounts that have no balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 someone went into my account via an atm. Bank of America did not issue any credit for this and has refused to help. This money was provided to me from the edd due to the pandemic emergency we had experienced in California. I have done all that was required, I contacted edd and provided proof of my identity and then I filed a police report. Both XXXX police and edd have said they are not the agency that will handle this matter and it would be up to Bank of America to handle this matter. For a period of 1 month I was on the phone 3 times. In the morning, afternoon and finally just before they closed to reach a representative but my efforts were unheard. Everyday I contacted Bank of America and would wait for 3 hours on hold and then my call was dropped. I did not remove those {$660.00} from my account and I need that money to support my family during these times. Bank of America should be held responsible for not doing their job in protecting my private information. I have tried to open and reopen the claim but they refuse to help and do not want to take responsibility for this.

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 2021-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I initiated a credit card-Visa dispute with Bank of America ( Case # XXXX ) regarding a lawyer overcharging billable hours. I waited a week or so with no word from BofA regarding the dispute. When I called and reached a Dispute Resolution CSR, she informed me that any messages regarding this dispute went to my husband, XXXX XXXX, because he opened the account, even though it was charged to my credit card, with my name in the billing info. I opened the online account, I put it in my name, because I take care of our banking, so my husband 's name is not on the online account. She told me I would have to open an account for him. When we tried to do so, we found we could not, and we could not get help from BofA doing this, it was mission impossible. So, any messages regarding this dispute were addressed to my spouse, who's name was not on the online account. On XX/XX/XXXX I received a letter from Bank of America informing me that I had until XX/XX/XXXX to submit documentation on this matter, to an address in XXXX XXXX, Texas. I was not given but a few days to respond. I sent my documentation on XX/XX/XXXX, Monday. I received a letter from Bank of America on XX/XX/XXXX informing me that they had not received any documentation and they were closing this dispute. I was not treated fairly. I have been given the runaround like this from another credit card, I am familiar with the pattern, and what they do. They don't send documentation until the last minute, and then claim that I sent the info too late, or they didn't receive it. So, in essence, A lawyer price-gouged me. I disputed it. Bank of America REFUSED to do its job, which was honor a system in place to assist their customers with unethical business practices. The bank piled on with more unethical business practices. My claim was denied, because Bank of America claims they never received follow up correspondence from me. My letter was not returned, I believe they did receive my documentation. We have done business with them since XXXX, and after 48 years of loyalty, this is how we're treated. We took out a home equity loan, and mortgaged a house through them, have four accounts, including this Visa card, and this is how they show their appreciation to us, by piling on with unethical business practices, a lousy runaround.

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 2021-06-07 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: PA

Complaint narrative:
My personal credit report has a delinquent account referring to " Utilities '' from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX. I have tried to contact them to find out what this is for and can not reach a representative. When I call, a recording trying to sell everything from car insurance to XXXX XXXX comes on. I do not have any idea what this is for. The first delinquent date of XXXX XXXX  report is noted XX/XX/2020? The account # from them is noted XXXX. and is noted as " individual account '' all of thisinformation is included on the file attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CO

Complaint narrative:
XXXX  and Experian should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.

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 2021-06-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I mailed documents to Experian showing the incorrectness on my credit report asking for Verifiable proof but Experian took longer than the 30 days to respond. To this day, I have yet to hear a response from the letter sent on XX/XX/2021. XX/XX/2021 I sent 30 day no response letter showing Experian signed for documents on XX/XX/2021 but have yet to remove the incorrectness on my credit report.

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 2021-06-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently having an issue logging on to My Equifax to see my credit report and also by using 3rd party companies to see my Equifax report. I was able to see my reports before XX/XX/XXXX and all of a suddenly I can not. I need equifax to fix this issue so that I can see my reports again.

Company response to consumer: Closed with explanation