vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
I argued with this company for months over the amount that they were billing. They kept billing me incorrectly, so I told them i wanted to end our relationship. i cancelled my service and they billed me again. I have not done business with this company since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I used the mobile app to lock my XXXX  XXXX credit card. Now my account and or credit is frozen. And no matter how many times I call them they say its unfrozen but all the returned denials come from my account being frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MA

Complaint narrative:
My chime account for credit building is in accurate cause it states that I owe XXXX in credit debt I owe wich is in correct. This chime builder account should show I have XXXX in available credit cause I put monies In this account. So IT SHOULD NOT SAY I OWE THIS MONEY AS A DEBT. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX, 2018 I sold my condo, OCWEN was the original mortgage holder and now it has transferred over to XXXX. Although my home was sold in 2018 the mortgage company never reported my payoff and closed account to the credit agencies. When ever there was a late payment they had no problem reporting late payments but because I was cover by a XXXX, I never added my home to the bankruptcy list of creditors because I was still paying OCWEN monthly up until I sold the condo. I never knew that it was not reported because I had no reason to check my credit until recently, in which I notice that OCWEN who is now PHH did not report. I sent several notifications to PHH notifying them that this may have been overlooked and if they could please correct. PHH responded that my account was paid in full and closed and they will not report to any credit agency but will provide a letter stating that I sold my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
Someone applied for an {$88000.00} small business loan through the US Small Business Administration. This is fraudulent as I have never applied for credit of this kind with any company. Someone has obtained my information and used it to apply for a 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 non-monetary relief
Consumer complaint received 2021-06-24 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is reporting a debt on my credit file that needs to be removed. I recently looked at my credit and noticed this debt on my file. This account is past the credit reporting limit under the FCRA guidelines and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: AZ

Complaint narrative:
I notice unauthorised transactions I submitted a claim but prior to that I had any theft and I have a problem with somebody calling the bank and impersonating me estimate to replace report the first state to claim was approved and then they told me that the claim was denied the only gave me the money to have the money and then they took it back to charge me back and they said they were going to put it back and they never did and then they said that the claim was denied I also submitted a police report but they never give me Solutions every time someone else tells me something different this is Bank of America

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 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had made two transfers of XXXX $ and XXXX $ Through XXXX and XXXX  using my checking and savings accounts on XXXX XXXX to put a security deposit on a single family home. It turned out to be a scam and I called Wells Fargo XX/XX/2021 as soon as I realized. I filed two claims for these two charges and was told that would be refunded. When I just called XX/XX/2021 to get an update on my claims, I was told they were not going to refund that money. I was on the phone with Wells Fargo for an hour being transferred every 5 minutes with not one person being able to come to a resolution. I also filed a police report to report the scam with my local authorities on XX/XX/XXXX. I also do have the case number if needed. This report also had an identity theft scam as well. In regards to the home that was being listed was also a homeowners legitimate home and the scammer was using his property and full name to " rent '' me the property.

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 2021-06-24 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 2021-06-24 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: FL

Complaint narrative:
I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX XXXX - XXXX XXXX  Equifax XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX  XXXX - XXXX Experian XXXX  XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
This company has called my employer several times after repeatedly being told to cease and desist contact. They are calling about a debt and I know for a fact I owe no one money. I was threatened by my employer that I could lose my job ober this issue. They have called several times in one day and then repeatedly called 5 times after being told not to contact my place of employment. I want fees, fines and penalties from them for this. They are told on the XXXX of XXXX not to call and called again on the XXXX at my work. Then again on the XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
UPDATED DISPUTE TO INCLUDE EVIDENCE I have attempted to dispute accounts with this company and they continue to respond with template responses that do not address the problem. I DO NOT RECOGNIZE THE ORIGINAL CREDITOR. Please send information about XXXX XXXX XXXX XXXX XXXX XXXX so I may dispute directly with them as well. 

Additionally, the State of Texas prohibits a third-party debt collector from engaging in debt collection unless the third-party debt collector has obtained a surety bond issued by a surety company authorized to do business in Texas as prescribed by Texas Finance Code 392.101. A copy of the bond MUST be filed with the secretary of state. 

The Texas Secretary of State has informed me that Account Resolution Services is NOT authorized to conduct debt collection in the State of Texas and therefore is in violation of state law ( see enclosed ). 

The company as an entity ( ARS ) is acting unlawfully with debt collection. The company name itself has been listed on the bond and not a DBA.

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 2021-06-24 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: OR

Complaint narrative:
disputed account with transunion but it was verified AS Accurate so when i tried to dispute again only with proper documents they would not let me .. they also would not let me place a fraud alert on my account as i have been a victim of identity theft

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 2021-06-24 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: TX

Complaint narrative:
My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, Transunion and XXXX  will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points. 

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but Transunion and XXXX  take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!

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 2021-06-24 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: TX

Complaint narrative:
I've attempted numerous mail-in disputes to resolve these negative delinquencies regarding my Experian account, but still, nothing has changed. XX/XX/2020 I received an email from EXPERIAN at XXXX XXXX stating that I was on a 6-month payment streak, but yet the reported negative remarks on my account state something entirely different. Additionally, the majority of, if not all my positive payment history doesn't even show up for ANY of my prior personal/auto loans, so that doesn't help my score average out at all. In a nutshell, literally, almost nothing on my EXPERIAN file is reported accurate other than possibly the 3 latest instalment accounts I opened since XX/XX/2020 attempting to ease this significant burden during this pandemic. What's ironic is I actually have a screenshot of my XXXX XXXX profile on my app from XX/XX/2020 stating I'm 59 months CONSISTENT on my payments.

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 2021-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have attempted since XX/XX/XXXX to refinance my HELOC with Bank of America. I learned in XX/XX/XXXX that they claimed they needed some additional documentation but did not contact me via email or in writing because they said I had a do not call on my account. This year, I got the same runaround and was jerked around in XXXX and XXXX of XXXX. I finally talked to a women at the bank who was not helpful, telling me that I had no equity in my home. I owe approximately $ XXXX on my first mortgage and $ XXXX on the XXXX. My house is worth at least $ XXXX. 
I am a XXXX old widow with only my XXXX  and XXXX income. I have no living relatives and do not want to lose my home. I have enough monthly income to pay my debts.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked up my credit report and seen an alias name under mine that I had never used. It was my mother. The last name XXXX is her last married name I dont even know how to spell it right. When I was a teenager my mother had asked me for my social security number and I gave it to her because she was my mom and wanted to claim me on taxes because I was supposed to be living with her but we didnt work out so I never knew she used my information. I never lived in Ohio the longest I was there was a month and a half. I want to fix it because I have no clue what she did?? I do know she applied for bankruptcy when I was there that she still was going through that.

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: OH

Complaint narrative:
The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX/XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance

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 2021-06-24 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I just waited roughly 15 minutes to get a representative on the phone at BoA. I typically have long wait times, numerous irrelevant recorded messages I am subjected to that prevent me from reaching a representative and enable BoA to avoid dealing with issues for the card. This is the second time I have tried to call someone there to block XXXX XXXX XXXX  XXXX from charging my card, this year. The representative I reached, who had a XXXX  XXXX accent, refused to take any information I told her. I told BoA last year to block all attempts by XXXX  to charge my card for an unwanted membership renewal and was told that it would. But it has not and it is inordinately difficult to reach anyone who will stop these unauthorized, computerized charges to my card. Neither XXXX, nor BoA will stop the charges. XXXX  is in bankruptcy and is trying to gouge whatever money it can from its one-time customers and BoA is complicit in the effort. BoA is unduly burdening its customers to stop unauthorized charges. It should have done what it said it would do last year when I called about the problem : block XXXX  from doing the same thing again. 

Please impose more serious, actually effective, sanctions than you have to date to sanction BoA and, if needed, credit card processors, who are abusing my credit card. It is probably the case that millions of people are being scammed by credit card processors, banks and others who think they can automatically condone and renew memberships for whatever the XXXX they think they can get away with. The default needs to be that no membership for loyalty should be allowed to renew unless a credit card holder specifically requests it. This should apply to all loyalty programs, including, in particular, XXXX. As things stand, everyone thinks they can automatically renew unwanted services and this predation should absolutely be prohibited at all times, but especially during the covid-19 pandemic and its immediate aftermath.

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 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
I was looking into my credit report and I noticed that Alliance Collection Agencies had reported information in my credit report which violates FCRA AND FDCPA. I sent certified letters to them to verified the accounts with not success. Instead they decided to report it to the all of the credit bureaus XXXX, XXXX  & XXXX XXXX. Since they violated the FCRA & FDCPA I am forced to file a suit for not complying with my request. This account is NOT VERIFIED and I had enough of their negligence. Attached you will find the letter was sent to them on XX/XX/2021.

Company response to consumer: Closed with explanation