vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is no live agent for unpaying customers. Unpaying sutomers are weeded out and directed to computer generated messages only without option of live person help. These methods can not be bypassed as once your SS # is needed, you will be redirected. I have contacted the following # s to no avail, same lack of response : XXXX, XXXX, XXXX, and XXXX. These calls were made during business hours. I have changed email addresses and since then have been unable to access my own credit report. I tried getting help. Help does not exist. There has been no access to email or chat avenues made public either. My only option is to send a paper mail and I will now include that I want a complete deletion of my account. They have my most personal information and I can not access it.

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: MA

Complaint narrative:
Hi KINGSTON DATA AND CREDIT INTERNATIONAL INC. ; ( XXXX XXXX XXXXXXXX MA ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went to my bank XXXX Chase Bank XXXX on XX/XX/2021 to send a wire transfer of {$4500.00} to my XXXX XXXX account. The teller at the branch entered the wrong account number for the recipient of the wire transfer. They entered my XXXX XXXX account number as the recipient instead of the XXXX XXXX intermediary bank account number that XXXX XXXX uses for incoming wire transfers. I set the instructions per XXXX XXXX in front of the teller assuming she would know how to enter the information accordingly. She made a huge mistake putting information in the wrong area and now my money is in some random account at XXXX XXXX. I have attempted to have my bank ( Chase Bank ) initiate a wire recall, which theyve done 3 times. XXXX XXXX deposited the money into the random account without checking if the account holders name matched that on the wire being sent. The names dont match so the money should never have been deposited. Both companies made a mistake and neither one wants to do anything about it. XXXX XXXX has denied the 3 recalls and puts the blame on Chase Bank. It has been a back and forth blame game for 2 months and I have not gotten anywhere with this issue. Its a mistake made by the banks but the customer ( me ) is the one having to suffer the loss and deal with getting the money back. 

I have Reference/Claims numbers from each bank from me attempting to get a resolution. I reached several different departments but no one was able to help me. I can include those numbers if necessary, I just dont know if that is too personal of information for this initial description.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have multiple mortgage accounts that is identity theft. I submitted several documents to prove these accounts are not accurate.

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 2021-07-19 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: PA

Complaint narrative:
Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.

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 2021-07-19 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: PMR Progressive, LLC
State: CO

Complaint narrative:
I have contacted Progressive over the telephone regarding a collection that credit collections is reporting. Progressive and credit collections do not respond to the letter I have sent them.

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to Progressive *

Company response to consumer: Untimely response
Consumer complaint received 2021-07-19 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: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Simmons First has been reporting inaccurate information to my credit reporting agency since XXXX of 2016. 

I have never had an account with this company. 

This company is stating that i owe them {$1900.00}, which i do not, this needs to be removed from my credit bureau, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX I sent a verification/validation letter on an account that is reported on my report. I have not receive any response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, it is XXXX XXXX I want to express my case regarding the late payment on XX/XX/2020, I came down with XXXX  and my business suffered, when I called Capital One to get Covid relief they put me on hold and kept transferring me and I ended not getting a deferment. 

Later Capital One blocked off access to me online account, I could not access the account. Capital One put this business account on my credit report and reported it as a personal account instead of a business account. Capital One failed to send me notice required by law letting me know adverse info was about to be reported to my credit report.

I want that Capital removed the XX/XX/2020 delinquency from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
On XX/XX/21 I did an online dispute with Experian. To my surprise they account dispute was complete by XX/XX/21 however, there was no notice of dispute then pulled my official credit report and notice no comments indicating this account was dispute. Which means there is some trickery going on with Experian because of this violation Im asking for deletion of account. By the way Ive attached a copy of my credit report showing this and a screen record video 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 2021-07-19 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:
My bank of America EDD prepaid account was compromised. Someone stole my card information and used it to withdraw {$800.00} from my account on XX/XX/2021 at around XXXX at a Bank of America at XXXX XXXX XXXX I called Bank of America to resolve this quickly. However, they appear to have no interest in providing temporary credit or any sort of resolution. My claim number is # 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 monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I had a vehicle, a XXXX Kia Forte vehicle financed with Kia Finance USA that was involved in a total loss collision on XX/XX/XXXX, I notified them of this loss immediately and pre their request I continued to make the payments for XXXX and XXXX while waiting on the insurance settlement, GAP payment and refund of the Credit Life and Warranty. They received the payments, primary insurance in XXXX, and the remainder in XXXX. After receipt of their payments they informed me that they would send my balance within 45 days, on XX/XX/XXXX, I received a check for {$900.00}, that check should have been for XXXX, apparently they deducted for some kind of charge that was not made aware of to me, I believe they owe me more than the amount they sent me, I was on the phone with numerous departments there on XX/XX/XXXX and we could not resolve this problem. So I am going through your office in an effort to resolve it.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-19 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: DC

Complaint narrative:
transunion is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. Transunion discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. Transunion did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. Transunion lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue transunion and its board members for malfeasance. Transunion also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. Transunion is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and XXXX  reports. I have reported Transunion to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. Transunion KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. Transunion is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. TRANSUNION ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, TRANUNION WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! TRANSUNION AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.

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 2021-07-19 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: PA

Complaint narrative:
I called Transunion to get inaccurate account removed. Earlier this week XXXX  removed these accounts from my credit report. However Transunion is still providing an inaccurate credit report which is a false representation of my character, and amount of debt according to 15 usc 1692e. I demand these be removed as they are violating my consumer rights. They are also furnishing my report with these accounts without my written consent according to 15 USC 1682b, which is another violation of my consumer rights. They are currently improperly handling 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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. 
The account being on escrow along with XXXX XXXX has cheated me of XXXX  of dollars per tbe City of XXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with XXXX XXXX XXXX XXXX at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. 
This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. 
I really look forward to this company honoring my request during this pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. Trans Union have not responded. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX  for all 14 student loan accounts. This has stressful and ruining my life.

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