vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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:
HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. XXXX XXXX XXXX XXXX ( THRU XXXX XXXX XXXX XXXX DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) XXXX REPORTED THE ACCOUNT ON TRANSUNION 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A ZERO BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 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 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted XXXX XXXX XXXX onXX/XX/2021 about a debt they clamed I own, see attachment.To this day they failed to verify the debt the debt as they are required by the air Debt Collection Practices Act and the FCRA.

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 2021-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying to dispute a charge of {$17000.00} to my credit card citi account the charge is being disputed because the items were not delivered I was overcharged bad service and the project was never completed. I hired a company named XXXX to build a website and after a year they never built the website they fraudulently charged my card numerous times and when I tried to dispute this charge through citi ( after a good fath attempt to the XXXX company ) and at first was told they did not respond in time and believed that the dispute was completed in my favor and for some reason the dispute was not in my favor due to wanting more information. I am now submitting a packet a very thorough detailed information to support my claim to Citibank I would like to file this claim in regards to my right to dispute accounts and charges like this due to bad service and never receiving a website after a year of hiring this company.

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 2021-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. KOHL 'S DEPT. STORE ( THRU CAP ONE BANK ) DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) KOHLS REPORTED THE ACCOUNT ON XXXX 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A XXXX BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
Innovis is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
Since XX/XX/2021 I have trying to get my money back from unauthorized charges from XXXX and a canceled order from XXXX cashapp have lied several times and refuse to get my money back from merchants. I have selected these authorized charges at least 7 times and cashapp is prolonging this issue they continue to lie and say ah investigation was open and no updates and then tell me get to my money back from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I was told that I was supposed to be put on a community well until the city water become available. It has been 11 months. During this time other people got moved in on this " community well '', My animals got sick, My kids got sick, my clothes got bleached, my health was affected. Anyways I found out that 1 I don't have a community well, 2 I won't get city water until the developer complies with the rules and regulations, 3 apparently XXXX XXXX has some money put aside to pay for this I never knew IDK how much that is. 3 there's no water test there's no well that I can find that was tested to make sure it was ok. I don't know if this water I am using is safe for my family. I got a land developer, a septic installer, and a site contractor that all one person but hey I guess XXXX makes you a XXXX of all trades. 

XXXX, XXXX XXXX you guys are the worst. Then I go to the county to pull the permit records and XXXX this fool signed off on the permit that I was on city water?!? its just one thing after another

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 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has consistently blocked me from accessing my account. I have sent a small amount of currency to show my bank is legitimate but they have not recognized this and I can get no further. Yes just want my money out of this dreadful company. They even tried to take money out of my bank account but I was fortunate that my bank blocked this. Please look into this for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reporting companies not following own guidelines.

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 2021-10-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting companies not following own guidelines.

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 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My previous complaint XXXX has not been resolved. 
I have also received further information from the previous mortgage lender that they have proof that phh mortgage company has received my first mortgage check from XXXX XXXX XXXX  and that they have withdrawn half of the money from that payment. 
The lender also informed me that this is definitely not the first time they have had problems with phh mortgage lying about not receiving money. 
Phh mortgage should not be able to operate with their predatory actions, and buggy online presence. Please investigate this company. Even if my issue gets resolved no one else should have to get stuck with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: GA

Complaint narrative:
Reporting companies not following own guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: MD

Complaint narrative:
Equifax is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are fraudulent inquiries harming my credit report and my life. I have called several times to dispute this information and Transunion has continued to errantly inform me to file an FTC report ; however, the FTC does not allow reports to be filed for credit inquiries not linked to a fraudulent account! 

The fraudulent inquiries on my report are as follows : XXXX XXXX from XX/XX/2021 XXXX XXXXl from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX  XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX  from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 Members XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 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 2021-10-02 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: NY

Complaint narrative:
I have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off 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 2021-10-02 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: NY

Complaint narrative:
I have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: NY

Complaint narrative:
I have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off 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 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX served me with a notice to appear to a pre-trial conference/mediation, alleging I owed them {$3300.00} on a credit card debt originally issued by XXXX XXXX , which they had purchased. This was the first time I heard of that alleged debt. I called their lawyer up and ask for details. The lawyer asked if I knew of an address in Kentucky, which was totally unknown to me. Upon a quick investigation with the vendor, it appeared I was victim of identity theft. I filed a report, appeared at the pre-trial conference, and submitted a Counterclaim in the Small Claims Court. The derogatory report submitted by XXXX to the various CRAs resulted in StudentAid declining me a {$30000.00} Parent Plus Student Loan for my son who is in Senior year in College, and for his landlord declining me as a guarantor for his lease. My son was in mental health therapy at the time and this additional stress clearly aggravated his condition. I asked for {$8000.00} on damages. 

A couple of days after the conference, XXXX asked the Court to dismiss their claim, and filed a Motion to Dismiss my Counterclaim, arguing that " Courts have consistently concluded that the FCRA does not provide a private cause of action for violations of Section 1681s-2 ( a ). See 15 U.S.C. 1682s-2 ( d ) : Longman, 702 F.3d at 151 ( " [ T ] he statute plainly restricts enforcement of [ 15 U.S.C. 1681s-2 ( a ) to federal and state authorities. " ), '' and concluding " Even assuming all of the allegations were true and taken in the light most favorable to the Defendant, the Counterclaim would still fail to state any claim upon which relief may be granted under the FCRA. '' I was served with the Motion to Dismiss on XX/XX/2021. 

I have not heard from the Court yet, and I would like to know if indeed XXXX 's assertion that I have no cause of action is correct. If it is, please let me know how best handle this matter in order to obtain proper redress. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to H & R ACCOUNTS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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:
Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has purposely tried to destroy my credit worthiness by not adding positive accounts on my credit profile. They are constantly violating FCRA guidelines and when I address them about their violations they replied by saying they don't care about FCRA and They will continue to violate the FCRA. 

I have positive accounts from other credit reporting agency but those were not posted on Equifax 's credit profile that I have attached. 

Equifax is displaying biased and unfair practices towards me. Furthermore I never agreed to a contract with them to Share my personal and private information with anyone. That is violation alone by its self. I have attached the violations and exhibits below to validate my complaint. 

EXHIBIT A- VIOLATION 15 USC 1681 ( 1 ) ( 2 ) EXHIBIT B- VIOLATION 15USC 1681 EXHIBIT C- VIOLATION 15USC 1681 ( a ) ( 1 ) EXHIBIT D- VIOLATION 15 USC 1681 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: NC

Complaint narrative:
Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.

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 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was before the covid 19 pandemic on my loan. 
JP Morgan Chase gave a forbearance for almost 15 months. 
Now i have the money to pay all the arrears before the start of the pandemic But Chase wants me to pay the 15 months of the forbearance months. 
I can not afford to pay the arrears plus 15 months lumsum right away. 
Chase did not disclose to me that once the forbearance period is over I will have to pay arrears plus 15 months which they voluntary suggested No disclosure was made when they decided to give me a break during the pandemic. 
They did not disclose to me that everything will be due right away. 
I am willing to pay arrears but at this time I can not pay the deferment of 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Received collection notice from Midland Credit Management regarding amount owed to XXXX XXXX MCM Account number ( XXXX ). I have never had an account with this agency. I sent several letters to Midland requesting that debt be verified. Midland response did not provide proof of debt. The company could not provide any legal documents bearing my original signature on application with the company binding any legal obligation. I did not give permission to any creditor for my HIPPA information to be sold from to a debt collection agency. I have requested that Midland Credit Management remove this negative item from all credit reports as derogatory debt.

Company response to consumer: Closed with explanation