vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Experian failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( 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 2021-12-13 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, THE BUREAUS 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 non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XXXX lady called and was talking about a workshop and needed to pay a fee. 
Come to find out it was scam. I reported the case to Law enforcement as the EDI of California was being used. 

XXXX app phone is XXXX XXXX XXXX XXXX XXXX phone and fax is telephone is XXXX XXXX XXXX XXXX 3 cards were used with XXXX app who have a high security with XXXX  and banking a deposit to verify the identity. The refund was approved XXXX and XX/XX/XXXX but Vanilla Gift card - inccom is holding on it. 

This message was sent to the following 5 people : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. Replying to this email will notify them.Hello XXXX, Thanks for following up.Please note that when we concluded the investigation, we found out that you were eligible for a refund for each reported card. However after numerous attempts, each try gave us an error message. This meant that the card had issues which we can not control.Your case was closed as we didn't hear from you after a while we also can not keep a case open for too long. So since the case is closed, your only recourse is to dispute these unauthorized charges with Visa. Once these disputes are filed, these will enter our system and you will get your money back.Please let us know if anything is unclear.Kind Regards, XXXX & XXXX This message was sent to the following 6 people : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, Dispute Form Entry. Replying to this email will notify them.Hello XXXX, Thanks for coming back! There will be no action required from you since the dispute has already been filed with Visa. So what will happen is that Visa will give you the money back, you just have to wait for their advice that the money is on its way to you.Any information request or questions you have should be directed to Visa because you filed the dispute with them.Kind Regards, XXXX and XXXX Dispute Form received by Vanilla cardXXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, me, giftdisputes Hello, I received your dispute forms. Please send the full 16 digit card number of each card you are disputing.Or, you may send a photo of the front and back of each cardXXXX XXXXDispute Coordinator IDISPUTE RESOLUTION TEAM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
So two weeks ago I found a nets spend card in my name thought I resolved issue but another card was ordered and was in my mailbox I didnt activate but cant get information on how its being ordered and I have been having multiple issues over time with identity theft since XXXX my information license and signing student loans online with soc sec number etc bought cars etc its I closed my netspend account many years ago I have bank account so netspend XXXX XX/XX/XXXX. XXXX. XXXX XXXX is on card

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In XXXX of XXXX I received an overdrawn statement from my bank. I acknowledged that my account was overdrawn by {$29.00} for LIFE insurance. There's one other charge for XXXX XXXX at {$150.00}. At the bottom of the letter stating the account was overdrawn it states " If the account isn't brought to a positive balance within 45 days the account is subject to closure and reporting to XXXX. '' This statement was dated XX/XX/2021 for the LIFE insurance. 

I was told by the representative when I reached out on the XXXX to pay, I explained the hardship I was experiencing with COVID and losing my job. I said I wanted to bring the account current. She informed me the account was closed as of XX/XX/2021. 

As you can see, that IS NOT 45 days. This was the only contact I had with Golden 1 was through email and the phone call. I asked the representative " How can I take care of the bill while my account was closed. '' she replied " I don't know. There's nothing you can do. '' Later, I find that the company sent my bill to collections. I was calling that day to take care of the bill. I never got a run down of how my bill turned into over {$300.00}. I wanted more information on the fees I was to pay and never got a response. I am not disputing that the account was overdrawn. I AM DISPUTING THE 45 DAYS the company says they will give to bring the account into positive standing AND THE REPRESENTATIVE NOT GIVING ADEQUATE AND ACCURATE INFORMATION ON HOW TO PROPERLY RESOLVE OUTSTANDING BALANCES AFTER ACCOUNT CLOSURE. The account was not 45 days out and I have no other proof of Golden 1 attempting to reach me. 

I emailed the billing department and explained my hardship. I had been with this union for years, while I was waiting on a response from them ( Which they never responded to! ) they sent my account to collections without ever replying to me explaining what the next steps were or procedures after account closure. They never explained what the fees were on how the amount got up and over {$300.00}.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF HAWAII CORPORATION
State: MP

Complaint narrative:
On XX/XX/2021, my mother died. That same day, I called Bank of Hawaii to attempt to close the account I jointly had with my mother, Acct # XXXX. The phone representative told me that if I don't want to visit a bank branch, I'll need to mail a copy of the death certificate along with a request for account closing. 

As instructed, I mailed in a copy of the death certificate, along with a request to close the account. 

On XX/XX/XXXX, I received an email from XXXX XXXX at XXXX, telling me I need to personally bring the original death certificate to the branch in order to close the account. 

On XX/XX/XXXX, I brought the original death certificate to the XXXX branch, requesting to close the account. XXXX XXXX told me that she " can not do anything '' because the death certificate is lacking a doctor 's signature. The certificate is signed at the bottom right by the registrar of the XXXX death registry, but XXXX XXXX insists that it needs to be signed by a doctor. 

This is an original death certificate, the only one I received from XXXX XXXX XXXX, and the one I've been using for dealing with government agencies and many offices. XXXX XXXX is the first person to not accept the death certificate. I am attaching a photo of this death certificate. 

I am simply trying to close an account. It seems unreasonable not to accept an original death certificate for this purpose. Additionally, I am unsatisfied with the need to visit crowded XXXX branches in person during a pandeic when other banks allow account servicing by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: GA

Complaint narrative:
RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX and XXXX are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regions Bank has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )

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 2021-12-13 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: GA

Complaint narrative:
RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX  for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, Transunion and XXXX are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.

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 2021-12-13 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: GA

Complaint narrative:
RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.

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 2021-12-13 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: Credit Plus Inc
State: MA

Complaint narrative:
I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX, INQUIRY DATE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Credit Plus Inc
State: MA

Complaint narrative:
I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR XXXX CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX INQUIRY DATE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX announced the Mortgage relief and I applied though XXXX XXXX XXXX XXXX requested paperwork from my mortgage but have been giving me trouble to release the paperwork W9 I have tried every month to call. 

The name has changed and don't get to the right customer service. 
The email does not work The phone or fax and agency

Company response to consumer: Closed with explanation