vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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:
My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
The address they have on file is incorrect. I did not receive a letter confirming validation of debt. They have the wrong city on file and never received any letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank has over charge my account. the amount of fee they charge my account from XX/XX/XXXX to XX/XX/2021 is {$580.00} dollars. This unreasonable and unacceptable. XX/XX/XXXX i was charged {$30.00} service charge XX/XX/XXXX. {$39.00} overdraft on the XX/XX/XXXX overdraft {$79.00} XX/XX/XXXX two services charge for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX overdraft fees for XXXX. XX/XX/XXXX overdraft fees for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for {$39.00} XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for XXXX. Due to all those fees and services charge this institution has and now continue to cause me financial stress. Most of the fees has been wrongfully charged to my account. There is no way that i will know allow my account to stay delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I submitted a loss mitigation packet on XX/XX/2021. I called multiple times after the submission for an update and was constantly told the my application was being reviewed. On XX/XX/2021 I was told that my application was not available for viewing by XXXX  and that I needed to resubmit another application. I have called multiple times for an update and a supervisor was supposed to check in with me weekly to provide a status update. I am still being told that it is under review. Today is XX/XX/2021 and no update has been given and I have not been offered any options for loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: UT

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach  Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-09 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: UT

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
I had an account with XXXX. It was an XXXX card. For whatever reason XXXX decided to close this account. The account had a {$170.00} balance. XXXX took me out of thier system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an XXXX card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited 2 weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with Experian, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. PLEASE help

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 2021-12-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
in XXXX of XXXX i disputed a bankruptcy that experian is reporting to my credit report which is inaccurate they responded with a letter of a credit report and all of my addresses they claimed i lived at .I then sent another letter in XX/XX/XXXX telling them i didn't want a credit report i wanted the verification method of how this account was verified and validated i sent them a certified letter that by law has to be responded back to within 15 days they sent again the same info stated this info was validated and is was verified through the credit grantor and or three party agencies. Over the last year or so i have determined this information is also incorrect, on XX/XX/XXXX i sent them another certified letter stating this is my last time before i take legal action regarding info that is not correct on my credit report. they blocked the information to be seen on online and gave me the answer as if they will not reveal how it was verified and they will no longer be addressing this case. the credit grantor or public record list MD court located at XXXX XXXX XXXX XXXX in XXXX MD. after going to them directly they have sent a letter to me by law that they do not verified or associate with credit bureaus and that this information is not accurate. i also contacted third party agency that collect consumer reports such as XXXX XXXX XXXX XXXX XXXX  non of which has any info regarding info that is related to me over the last year,. 
according to the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. which they have broken the law over the last 3 years after i have sent them proof that the method that claim they use was not true as i went to them directly. i have sent them copies of such. i keep getting conflicted stories about the verification and its validation Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable re investigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. they told me that it will not re investigate as it has been verified my next step is to sue. this information is making me pay thousand of more interest every year and rendering me from buying a home. This information needs to be deleted within 30 days if it can not be verified with a creditable source.

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 2021-12-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company responded by stating amount owed, but has not provided information stating it belongs to me. Anyone can send a bill stating you owe such amount. No proof or signature was shown stating this account was opened by me. 

On XX/XX/2017 XXXX XXXX  has reported on my account, collection agency PORTFOLIO RECOVERY added a derogatory remark on my credit report.This account was not opened by me. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PORTFOLIO RECOVERY violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
sent by certified mail they keep telling me they wont re investigate experian is reporting a bankruptcy experian is not complying with the method verification and the fcra law or following the procedures required by law that protects me they are suppose to reveal such if information and if incorrect delete such information they keep telling me that they dont validate info and its already been validated ( Date ) ( Credit Bureau Name ) ( Credit Bureau Address ) RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX XXXX is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, ( Your Full Name printed or typed ) ( Social security number ) ( Address )

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened XXXX XXXX XXXX XXXX Credit card account ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX with a promise of 18 month interest free account. I had an opening credit balance of {$9700.00} with a purchase. 

XX/XX/XXXX - {$38.00} late fee XX/XX/XXXX - {$38.00} late fee XX/XX/XXXX - {$1.00} Minimum interest charge I can only see 12 months of history due limited website functionality there is another {$28.00} as dispute charge. 

I have called their customer service, firstly they can not access my information from their side, as they can see only 6 months of account history, secondly since they can not see these charges they can not help me, gets frustrated and disconnects the phone. I have paid all my payments every month, despite of this Wells fargo has accumulated the late fees charge as {$100.00}. This is poor processing and backend issues on the banking and payments side which I can not do anything about. Despite complaining, this is going to deaf ears and I have no forum where I can report this misappropriation of system issues to consumer. This is very unprofessional of Wells Fargo.

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 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Got scammed into a crypto fraud scheme. There were a total of XXXX transfers. Starting XX/XX/XXXX XXXX there four {$1000.00} dollar transfers out of our checking account by debit to XXXX XXXX On XX/XX/XXXX there was {$10000.00} withdraw by debit. The rest of these were by domestic wire transfer. XXXX {$29000.00} each. XXXX {$55000.00}, XX/XX/XXXX {$71000.00} and XX/XX/XXXX {$20000.00}. when this was taking place I was getting threatened with money laundering charges. XXXX sent me an affidavit showing money I would receive. When it was paid i was told it would cost another $ XXXX. even though I knew something wasn't right, I knew then I messed up. they threw out names like XXXX XXXX, head of the XXXX and XXXX XXXX XXXX, head of the FBI. We were scared. threats like that and toward my family. I didn't know what else to do. XXXX XXXX was the primary contact. XXXX XXXX was involved as well. I thought they were all legit. I cleaned out my savings and retirement. Please help us. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo Servicing Center Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

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 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: IL

Complaint narrative:
I had a lease in a property in XXXX XXXX. Because I was struggling to pay my lease when my hours we cut, the landlord offered me a solution of leaving the property and just paying what I owed as far as past due rent, however when I moved out of the house, the management company continued to charge me for future rent, even though I was not living at the property. They also charged me for a ridiculous amount of things in the house of regarding some repairs repairs that were not correct. In fact, I left the property in better way condition than when I took it. I remodeled the entire house and had it professionally painted as well. I also hired a professional company to clean it when I moved out. I called the management company several times and asked them to send me the itemized items that were supposedly due by me and they never responded. I asked for the telephone calls between me and the landlords attorneys and the court files to prove that I did not owe all that the money but nothing was sent. They said I They reported The false amount owed on my credit report making it very difficult for me to obtain any new credit and my XXXX XXXX was effected greatly because of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I paid off my mortgage XXXX the company took my last payment and applied it elsewhere than sent me a letter stating that I had default on my loan. I call my XXXX attorney to go over all the paperwork with me and the mortgage company.According to the loan modification XXXX this company is only entitled to 20 % of XXXX which would be XXXX telling me to pay XXXXmy attorney and I have been asking the mortgage company for a breakdown of the XXXX since XXXX and they kept ignoring the issue. my mortgage has been paid never missed a payment now they still want to hold on to my papers and deed the loan is paid off after 47 years of paying im sure you would like your deed.

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