vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 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: MS

Complaint narrative:
I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted Equifax, XXXX, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi States ConsumeXXXX Protection Laws. 

I will include the XXXX XXXX Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: MS

Complaint narrative:
I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, Experian, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the 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 2021-11-22 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company Nationstar/Mr. Cooper has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, Mr. Cooper still will not acknowledge their errors, therefore the XXXX agencies are still reporting XXXX delinquent/XXXX  for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. 

Please force them, Mr. Cooper to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2021 ( XXXX ), I tried to get information on my current mortgage and to get XXXX services to be able to go online and see information pertaining to my mortgage. XXXX XXXX refused to assist and would not help me at all. I have been either on hold or transferred to other places within Suntrust and not given any assistance. I have been hung up on 3 times and can not get any assistance. 

This treatment is not new with Suntrust ; this institution makes it impossible to get any one on the phone in any timely manner. Today I have been on hold for XXXX plus hours, and this is not new. I wonder XXXX what " legal auspices '' is Suntrust refusing to assist the banking customers? 

I will continue to file complaints in regards to 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 2021-11-22 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: NC

Complaint narrative:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX  days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NC

Complaint narrative:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.

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 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: HI

Complaint narrative:
XXXX XXXX Transfers are deceitful. They will say that the transfer is completed. And then a day or XXXX later they will say that it was incomplete or that it needs to be funded. They take the draw XXXX. And send the money XXXX 

Theyve done this to me before, so I called them. 

I also checked my bank statement, and I reported it to XXXX, then refunded me the first time. 

But this is the XXXX time, And I have the statement attached that shows the {$110.00} that my XXXX XXXX XXXX already sent. Theyre asking me to find it again. 

They try to legitimize the transaction as an error. But theyre asking us to call them on it. And Im sure a lot of people dont even see it on their statement, or just failed to call them on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
proposition XX/XX/XXXX allows homeowners to transfer the old property tax base to their new home if your XXXX and older or have a XXXX. My taxes were reduced from {$8600.00} down to {$5200.00} back in XX/XX/XXXX. Pnc bank could not figure it out. The kept telling me that they were working on it and never did, XXXX county issue me XXXX bills XXXX for supplement tax bill and a yearly tax bill which added up to be less than {$5000.00}. I sent them all of the information XXXX times still no resolve. So i just received a new tax bill for XXXX on XX/XX/XXXX and requested again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX and XXXX. still no resolve. I emailed PNC Bank a copy of my new tax bill on XX/XX/XXXX. PNC bank received it because they paid the bill. and sent the XXXX escrow overages of {$1600.00} x XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance and Huffman LLC. has continue to contact and harass me into paying a debt of {$770.00}, I have not given this company written consent to locate any information on my behalf ; also such communication from a debt collector is prohibited because I cease and desist all communication. Reporting this fraudulent information to the credit reporting agencies is in violation of my federal protected consumer rights and all information shall be deleted permanently from your system. XXXX USC XXXX XXXX XXXX ) XXXX USC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Costco Citi card, and my issue is with them. On XX/XX/2021 I paid for vehicle repairs at XXXX 's XXXX and XXXX in XXXX, MN. Work was done on the specified part, but additional damage was caused and noted immediately after the vehicle was picked up. After taking the vehicle back to XXXX 's and receiving a bill for additional services in excess of the original repair, I contacted Citi to file a dispute. 

After submitting all of the required documents plus supplementary documents and a written statement, the XXXX assigned to the case closed it without contacting the merchant or myself, stating that I was responsible for the charge. Multiple times I contacted the dispute department requesting that the case be looked at again, and every time I was told that a message was sent to the XXXX or the leadership team of the investigators, but again was never contacted. Two months later and I am still being told the same story. " Notes have been sent to the XXXX '', " we just have to be patient '', " we have no way of resolving this at this level and need to wait '' and many other of the standard phrases you hear from customer service. 

My vehicle was damaged by an auto shop, Citi says that I am responsible, and I don't feel like anybody is listening.

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 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CA

Complaint narrative:
XXXX XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about 18 pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company XXXX. XXXX has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, XXXX XXXX still will not acknowledge their errors, therefore the three agencies are still reporting Im delinquent/derogatory for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and XXXX XXXX has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. 

Please force them, XXXX XXXX to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
Back in XXXX of XXXX I found out about a debt in the amount of {$830.00} while trying to get a loan on a house. I contact XXXX XXXX asking what the Debt was about she informed me it was a water bill and gave me the address. In which case I told her I had never lived there and she told me to file a police report for identity theft and send it to them. Which I did. While trying to get a loan for a car it was still on my credit report. I then disputed it and they refused to remove it. I called again she said she never got the police report. I then filed a report with the Federal Trade Commission for Identity Theft which list that account and another account I got a copy of the police report and a copy of that report and sent it to them with a tracking number which was delivered XXXX XXXX. I called them again on XX/XX/XXXX to find out what was going on she had a attitude and told me she don't know who signed for it but she did receive a copy of the police report. I called XXXX XXXX XXXX to get a cop of the agreement from the bill and they are refusing to give it to me. I asked them if it is a account with my name and SS number on it I would like to see the signature that was signed to the agreement. They are refusing to to give it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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.

Complaint narrative:
The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that XXXX and Experian go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that XXXX preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by XXXX and Experian. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.

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 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Reference my previous closed complaint against Chase and all of its affiliates that admitted they had been sending unsolicited mailings to my address. In their response dated XX/XX/21 they promised that in 90 days the mailings would stop. Today I received another harassing unsolicited offer from Chase to open a checking account. 

I want Chase and all of its affiliates banned from further solicitation with me. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
This debt was heard in court in XXXX XXXX XXXX case # XXXX an agreement was satisfied with the plaintiff representative then, that a payment was to be established by the plaintiff legal firm. The plaintiff representatives never got back to me with setting up a payment plan. Now 12 years late with the debt being double because of their own neglect. They are seeking to garnish my wages. I am the head of my head of household. This case is back from XXXX. And I also think the statues have expired 16 years in total. Again the agreement from the hearing in XXXX was neglected by their representatives. I dont feel I am responsible the the amount they are now forcing upon me in pandemic times. Please help me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
I made multiple transactions with Coinbase over 2/3 days. When I made these transactions with my card I was charged the amount in pounds, however when it showed up in my account it was in dollars. I did not notice this until I changed the currency used on the app to pounds. I have attached all of my transactions with Coinbase along with the transaction from my bank account ( XXXX XXXX. If you look at the times on the transactions you can see which related to each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
inaccurate information repoting on my Chex systems 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 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I would like for the PORTFOLIO RECOV ASSOC to show proof of verification that I owe them {$460.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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