vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: CT

Complaint narrative:
My name is XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have new and updated information concerning my previous complaint based on the creditors response. Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that Capital One Bank provide me with the written application I made to them for the credit card ending in -9212, written proof of my income at the time of application or a written application of the cosigner who applied for the Capital One credit card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2021, a fraudulent withdrawal was made to my Direct Express Deposit account from a cardless ATM machine, located in XXXX XXXX, California. I have followed all the instructions provided by Direct Express to have them return the funds of {$1000.00} to my account, including an extensive answer form, a police report, a statement about the circumstances, etc. It is clear that this is a fraud or identity theft perpetrated on my account. I have given a very consistent statement to Direct Express about this situation. Direct Express claims there are inconsistencies in my report, there are NOT. Direct Express refuses to refund my money and has closed the dispute. I can not reach Direct Express to discuss the situation. They schedule telephone calls to me that they never make. They are perpetrating and participating in a fraud on my account and I can not get any information. They take me around and around in a circle to get this scenario resolved and there is NO XXXX to appeal too or adjudicate the matter. It is a blank wall to try to deal with them. This is a very exasperating and dangerous situation for the consumer, especially a person who relies on Social Security deposits to cover their expenses. Direct Express does this because there seems to be no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive sent in a letter to Experian with my state Id bank statement, and proof of address to update my personal information and Experian refused to remove address Ive never lived, or update my personal information

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I obtained my consumer credit profile on XX/XX/2021 and discovered from XXXX and XXXX that BERLIN WHEELER INC. is alleging a balance owed in the amount of { {$380.00} }. Since then, the below mentioned company was given two ( 2 ) notices of claim dispute to verify their permissible purposes for intrusion, fraud, and damages to my credit profile and personal character. I have yet to receive a response. BERLIN WHEELER INC. is a debt collector pursuant to 15 USC 1681. I am a consumer defined by 15 USC 1681 seq. BERLIN WHEELER , INC., is not a creditor, and I have not applied for, neither received any services or credit with their particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC 1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC 1681 ( n. ) This violation may also constitute a tort claim for identity theft. Again, this reporting is unlawful and I am requesting immediate removal.

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 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I had a debt that went to collections with Credit Bureau Systems. We made a payment arrangment on the debt. I have the email to show that. I made every payment that was agreed upon. They came back after saying that the arragement was not satisfactory and I had to pay the rest of the balance. They claimed no such agreement was made. I have disputed this debt multiple times through the credit bureaus and they will not remove it. I have contacted the company directly by both phone and email and they will not remove it. It has been XXXX  years I have been disputing this debt. They refuse to take it off of my report even though they know that the arragement was made and signed because it was done electoronically. They also have the payment records to show that every agreed upon payment was made on the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WY

Complaint narrative:
I last contact the CFPB on XX/XX/XXXX regarding fraudulent activity from my mortgage servicer Shellpoint. I had been applying for mortgage assistance but Shellpoint mortgage kept denying my documents with out a proper review of my financial situation. Following filling the CFPB complaint I received a response back from Shellpoint which can be found on the responses from the last complaint from XX/XX/XXXX. A response back from XXXX XXXX XXXX Department Shellpoint MTG XXXX stated the following : As requested, an assumption review was completed on XX/XX/XXXX. After review of the Probate documents provided it appears the interest in the home was divided with only half of the interest in the home being appointed to you and the other half going to four other heirs. Therefore, because you do not have sole interest in the property, we are unable to continue reviewing the loan for an assumption. In order for Shellpoint to review you for an assumption of the loan, you would need to have sole interest in the property. A Quit Claim Deed could be obtained from the additional heirs showing they no longer have an interest in the property. a foreclosure sale is not scheduled at this time. 

During my appeal period and working with Shellpoint in gathering the items they requested they have posted a foreclosure sale date on my home set for XX/XX/XXXX. I have recently submitted all documents on XX/XX/XXXX showing proof of what they requested and Shellpoint denied me on XX/XX/XXXX without again any proper review of my documents that they specifically asked for. During this time Shellpoint is direct violation of Dual Tracking Laws set forth by CFPB. I have attached all documents for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This company has sent us mail stating they have won a law suit in court against us and we have to pay them the money owed we can go to jail, we have been paying them to avoid problems, but have been severely affected by covid-19 and have had to not pay other important bills to pay them out of fear, this is the second time they do this to us, this one is under my name, they also have a judgment on my husbands name in which we also have been making payments with out being able to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google and their Google App Store illegally accessed my new debit card information that I have not personally updated with me. I had an old card number that was closed and I received a new card that I have never gave to google nor authorize them to have. Regardless of this somehow they accessed it without my permission and charged me for services that I was not trying to renew to begin with. 

I was also attempting to remove my card number from google but they won't allow me to do delete it unless I replace it with a new card. 

I attempted to call them but there is not a phone number that will allow me to talk to anybody. They also set up their system in a way where I can't get a refund either. 

This practices are predatory and should be illegal by all means. No service should access my debit card or my bank account information without my permission or deny me the ability to delete my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  reported a medical bill on my credit report. 
I called this company at XXXX on XX/XX/22 at XXXX XXXX to resolve this issue. As soon as you call you automatically get placed on a hold. I was on hold for 4 minutes and never spoke to anyone and then the phone automatically hung up on me. I then called again at XXXX XXXX and again was placed on an automatic hold for 5 minutes and again their phone automatically hung up on me again without ever speaking to anyone. I called again at XXXX was on a brief hold this time and finally got through to a representative whose name is XXXX XXXX 
I then proceed to explain the reason for my call to XXXX which was to resolve the medical bill with them and asked if they could do a complete deletion once I settled the debt with them. 
XXXX told me that it was illegal to ask for a complete deletion and that they couldn't do that. 
I told him it's not illegal for me to ask and not illegal for their company to do. He then proceeded to continue to provide me with inaccurate information about the deletion I asked about. 
I told him that I am trying to resolve the issue with them but would like them to consider a complete deletion. 
He then told me that he was going to put in my file a note that said refusal to pay and hung up on me. 
His service was completely disrespectful and rude for no reason. 
I called back again at XXXX XXXX and asked to speak with a supervisor. 
I was able to speak with XXXX, a supervisor. I told her about my interaction with XXXX and how he hung up on me when I was not finished discussing the matter and how he told me that at complete deletion is illegal to ask for. 
XXXX said that the term illegal was inaccurate and that XXXX shouldn't have used that terminology. 
She stated that their company does not do complete deletions which doesn't make any sense to me because other credit collection agencies do them. 
It just seemed like XXXX didn't know what she was talking about either. 
My experience with this company was horrible. 
An agency should have better communication methods especially when they have the power over your credit report. 
It should not have taken me 3 phone calls to finally speak with someone about my account and the personal needs to be more informed and professional with their services. 
I would even like my account moved to a different creditor other than them due to their unprofessionalism and inaccurate statements about debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
I have already submitted the FTC report to you and you removed the item but its back on my report. Please review your records. # FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It is absolutely impossible to speak with a person from the Experian credit reporting company. The only way one can interact with them is over the phone with a computer that is not helpful. There is no option to send an email, and when I ask to speak with an agent the computer responds " I understand you want to speak with a specialist but this is possible in limited circumstances, how can I help you today '' and starts iterating me over options which are not helpful to me. I trued to speak with a person a whole afternoon, and called a dozen times and was not able to. I suspect that someone else is using my user name with experian and I was not able to talk to anyone from the 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 2022-02-09 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly XXXX am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file 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 non-monetary relief
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have new information regarding an open complaint CFPB COMPLAINT # XXXX I received a letter in the mail today XX/XX/XXXX. Letter dated XX/XX/XXXX. This consumer reporting agency will not honor my request on a reinvestigation. Experian is telling me the information have been verified. I demand the following information ( name, phone number, and address ) of the person that verified this account and also what information was given to verify these accounts. 
Experian is telling me to reach out to the furnisher. I have the right to get a description of procedures pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I demand this information immediately. This information should have been sent 15 days from the request pursuant to 15 USC ( a ) ( 7 ). Just a reminder you only have 30 days to investigate this situation, or it must be deleted. Only I can extend it. Which in this case I WILL NOT. You are using a stall tactic to prolong this situation. You are running out of time. If you need a little guidance on the time frame you have refer to 15 USC 1681I ( a ) ( 1 ) ( a ), ( b ), and ( c ). I will not do your job for you.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
There is a consumer report from Chexsystems which states an account from XX/XX/XXXX is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX  stated on XX/XX/XXXX verbally that this account with this account number is not a valid number or valid account with XXXX XXXX  and has never been an open or valid account. This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.

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