vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: SC

Complaint narrative:
XX/XX/2021, I received an alert that my credit score had dropped considerably. I clicked on the alert via XXXX XXXX and saw that Equifax had removed a valid credit card from my credit report without consent from XXXX XXXX / XXXX XXXX Surge Card or me, the account holder. This caused a significant drop of 95 points on my credit. When I called, I spoke to 4 different people and even had them escalate to a supervisor to no avail. These people were very rude to me. None of them were able to explain anything to me. They could not tell me why this account came off my report and hurt my credit. So, I proceeded to call my account management with XXXX XXXX and asked for a supervisor. That supervisor said that Equifax knows about the issue that they are having with the error in updating the reports and that they don't know when it will be fixed. I am in the middle of a refinance on my mortgage and now will definitely be denied because of this " error ''. This is causing me significant stress and financial hardship. I am a single mother and depend on the hard work that I have put into my credit to bring my score to an approvable level. I want my account updated immediately and score corrected. I do not have another year to try to build back up the score that I have spent YEARS fixing already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: FL

Complaint narrative:
Revco Sol says I owe {$200.00} from XX/XX/2019. This charge was removed from my credit report from XXXX and XXXX credit bureaus as this does not belong to me. I am unaware of this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I contacted XXXX XXXX and was advised my debt was now with Levy and Associates. I have not received any written communication or any calls from Levy & Associates. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with Levy and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with Levy & Associates, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXXXXXX XXXX XXXXXXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Paid the total statement balance between XX/XX/XXXX and XXXX XX/XX/XXXX by due date of XX/XX/XXXX, but got {$57.00} interest charge. 
On XX/XX/XXXX, I made a purchase of {$3900.00}. The statement between XX/XX/XXXX and XX/XX/XXXX shows that New Balance Total {$3900.00} ; Total Minimum Payment Due : {$39.00} ; Payment Due Date : XX/XX/XXXX. 

On XX/XX/XXXX, I had {$62.00} of a statement credit. On XX/XX/XXXX, I scheduled a online payment of {$3800.00}. On XX/XX/XXXX, {$39.00} automatic payment was credited to the account. By XX/XX/XXXX, the total statement balance of {$3900.00} has been paid off. But {$57.00} interest charge showed in the statement between XX/XX/XXXX and XX/XX/XXXX. 

I have contacted the Bank of American and asked them to send the reasons and document about the charges, but I have never received. I filed on XXXX site, Bank of American has never replied also!

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 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
To whom it may concern : Please find our detailed account of a Bank theft incident below to our business bank account. 

On Thursday, XX/XX/XXXX at XXXXXXXX XXXX, I logged into our business MTBank account to find four web payments pending from our account : XXXX : {$9900.00} XXXXXXXX XXXX : {$9900.00} XXXX XXXX  : {$9900.00} XXXX XXXX {$3000.00} None of these payments were initiated by my company. I also had approximately 140 spam emails in her inbox. 

At XXXX, I called M & T Bank to report the robbery but was informed that online banking support does not open until XXXX. At XXXX, my. partner called the M & T Bank web banking service to report these as fraudulent charges and we immediately changed our passwords for email and banking and ran malware scans on our computers. We were informed by the MTBank investigators that the transactions were made on my login at XXXX the previous evening, XX/XX/XXXX. 

On XX/XX/XXXX, the funds were shown as no longer pending, and had transferred out of our account, leaving us with approximately {$10000.00} in all our accounts. 

In response to the M & T Banks financial crimes divisions advice, we also filed a local police report, FBI IC3 report, and XXXX report of the robbery. We have also worked with our M & T Bank banker to set up two new accounts.

M & T Banks financial crimes division informed us that recovery of the funds is independent of whether M & T Bank determines they will credit our account.

As of today, M & T Bank has still not given us a timeline of when or if the funds will be restored to our account. It is unclear to us why M & T Bank insurance policy has not kicked into action. We as a firm, are vigilant about our cyber security and are the victims of this massive theft to our small business, making it impossible for us to make payroll and threatening our ability to continue operating. 

This is a summary of all the facts, coordination and reporting on this issue to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted Equifax on XXXX XXXX to check the status of a dispute. Equifax has an extremely difficult process that makes it very hard for a legitimate customer to verify their identity. The representative asked me a series of questions regarding present and past accounts as well as the monthly payment amount in order to verify identity. I literally pulled my Equifax credit report and provided the answers to the represntatives questions that were contained within the Equifax credit report. The representative informed me that I failed the identity verification and needed to send in proof of identity which could take up to 30 days. I had one simple question which I was able to call the other bureaus and receive the response in a matter of minutes. My complaint is that Equifax makes it nearly impossible for customers to speak with a representative to verify information that is within their credit report especially when the answers to their questions are derived from their online credit report which I pay for monthly. Please provide assistance in this horrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OH

Complaint narrative:
My XXXX XXXX and my XXXX credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit. 

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that. 

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
Your withdrawal has been canceled Withdraw Again Your withdrawal for XXXX BTC to XXXX has been canceled for the following reason : You currently only have XXXX BTC available ( {$0.00} ). 

If applicable, please make necessary adjustments and try again.THIS IS WHAT I HAVE Available Qty XXXX of bitcoin Balance XXXX i tried to withdraw the funds today XX/XX/2021 this is the second complaint with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: WA

Complaint narrative:
The company claimed they would followup with me. They have not. I filed another claim and you said I was not a customer. Attaching my order history and communication with your company here. You can not escape accountability for your horrid customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
There are three accounts that do not belong to me on my credit report I have been disputing this with the bureaus for 2 years almost this is my last hope these accounts I have not approved or signed on. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I requested for paper billing statement from specialized loan servicing customer care XXXX XXXX XXXX. 
Called on XX/XX/XXXX, XXXXXX/XX/XXXX 
Each time the customer care said they will send paper billing statement. But they were not sending. 
Till now I did not get any paper bill statement for XXXX, XXXX, XXXX, and 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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am updating on filed complaint. There is no way I could figure it out how to provide update. 
I received a call back from XXXX XXXX. & as per my phone conversation with her, as she requested, I have immediately faxed her Settlement offer letter at the fax # she provided- XXXX. 
I have offer {$6000.00} of settlement to this 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 explanation
Consumer complaint received 2021-03-11 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: LA

Complaint narrative:
I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of XXXX Identity Theft. Delete ASAP those accounts or I will file a litigation!.

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I contacted Midland Funding and was advised my debt was now with XXXX and XXXX. I have not received any written communication or any calls from XXXX XXXX XXXX. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with XXXX and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with XXXX XXXX XXXX, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My XXXX XXXX and my Synchrony credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit.

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that.

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?

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 2021-03-11 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: FL

Complaint narrative:
I received a copy of my credit report and saw an account reporting as a collection account and a derogatory on my report for XXXX XXXX XXXX with Account # XXXX. This account has no balance because I do not have a debt with these people.

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 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has my card linked to another customers account. My name is XXXX XXXX XXXX but I receive emails related to another customer and I can not cancel the product. 

I have been trying to work the company to resolve this issue since XXXX. One agent told me to tell my bank to stop payment and wait for the problem to fix itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Im trying to close and sell my home but Bank of America can not give me a payoff amount. They say it will take 7 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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter on XX/XX/XXXX to Medical Data Systems XXXX Inc. and instead of the company validating the supposed debt they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. 

Name of Collection Agency : Medical Data Systems , Inc .

Location of Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone Number of Collection Agency : ( XXXX ) XXXX Dates : * I received a phone call from Medical Data System on XXXX XXXX ; *I sent a debt validation letter to Medical Data Systems on XX/XX/XXXX ; *I received a response which were my medical records on XX/XX/XXXX from Medical Data System. 

The supposed debt owed : {$470.00} Date : XX/XX/XXXX ; {$210.00} Date : XX/XX/XXXX, {$300.00} Date : XX/XX/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