vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
I am distressed that Equifax has included the below information in my credit profile and 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. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it 2. This account resulted due to identity theft. 
XXXX XXXX Account XXXX : XXXX The listed item is a very serious error in reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MA

Complaint narrative:
XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MA

Complaint narrative:
XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago

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 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DE

Complaint narrative:
I am refinancing my home mortgage with a new company, AmeriSave. We closed in the loan XX/XX/2021. The payout/disbursement date was due to be in XX/XX/2021. On XX/XX/XXXX, no disbursement was received. I inquired with the lender, the representative of the closing company XXXX stated they do not have any payoff information. I provided the information on XX/XX/XXXX. Later that week I was told they would need the payoff statement notarized. They sent someone to notarize the document. On XX/XX/XXXX and XXXX I inquired again and was told it was in process. Now it is Monday XX/XX/XXXX and neither I, the borrower who was expecting cash proceeds nor the lender have received any funds. It is 14 days post closing and 8 days after the payoff date. Thank you for your time in registering this complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
XXXX erroneously charged me an amount after instructing me NOT to pay it. They then sent the debt to a collection agency. I have a chat transcript with XXXX instructing me not to pay the amount. 

I opened a dispute with AFNI ( the collection agency XXXX and provided documentation. I have paid this amount in full to avoid credit complications and await a refund from the collection agency. 

In the meantime, this error is now damaging my credit. This is the result of XXXX 's error and I need it removed from my credit. I'd also like a refund from XXXX or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was a Simple customer for years, and it was bought by BBVA. Since their digital migration on XX/XX/2021, I have not been able to set up an account, see my balance or reach their customer service. They have not emailed or called me back. Additionally BBVA customer service is a vey very long wait and when they do pick up the line is immediately disconnected. I have not been able to access my account for over a week now, this is unacceptable customer service. Customer service also has a very hard time understanding whats happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Hi XXXX ; XXXX confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a complaint against Citibank for grand larceny happened to my checking/checking plus account XXXX OnXX/XX/XXXXwas falsely enrolled with XXXX by compromising my profile- phone # and e-mail address. 
On XX/XX/XXXX and XX/XX/XXXX six transfers total {$4200.00} has been made to recipient XXXX XXXX at XXXX XXXX XXXX and to cover overdraft additional {$3700.00} has been transferred from checking plus to checking account On XX/XX/XXXX I found scam and called Citibank at XXXX and case XXXX was opened The same day on online message center I found info about all above mentioned actions. Message dated XX/XX/XXXX - date of first fraud - tells that Citibank " ... identified possible fraud ... have placed account in restricted status ... prohibiting from completing transactions on Citibank online ... until we speak with you. '' The fact is that nothing has been done -account wasn't blocked and no call or any kind of mail sent to me. 
Instead of real investigation on XX/XX/XXXX Fraud Department posted on line message that " ... we have concluded that the transfers must be considered authorized and as a result we ///unable to process a refund to your account. '' On XX/XX/XXXX police report was issued and subpoena sent to Citibank. Next day I called Citibank and requested extended investigation but I didn't get reference number. On XX/XX/XXXX after five months of waiting I called Department of Identity Theft at XXXX. The last agent I spoke with during 50 minutes call asked me to wait while he will take a look at this case but soon after that line was disconnected. 
Now I ask your help in real investigation as beside loss on checking account I pay off credit with interest for which I didn't apply and finally my losses would be around {$10000.00}. All talks with Citibank were done by my husband XXXX XXXX phone ( XXXX ) XXXX, whom I authorized to represent me as my spoken XXXX is weak.. All Citibank messages between XX/XX/XXXX and XX/XX/XXXX are at my disposition and may be provided to you.. 
With regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2021-05-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is reporting a debt on my credit file that I no longer owe. I recently looked at my credit and noticed this debt reporting for {$1400.00}. I called and immediately settled this debt. I was under the impression that I had paid this account and closed it. However, recently looking at my account I noticed that there was a debt, I was never notified, given any calls or letters. This violates my 30 day right to dispute and is a violation under 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 non-monetary relief
Consumer complaint received 2021-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
I have been disputing 2 items that are incorrect on my report for the last year and despite my disputes- Experian refuses to furnish information requested as part the dispute process. 

One of the accounts has been settled with the creditor- I have provided proof of the settlement agreement as well as proof of my payment and completion of such settlement. 

The second account has incorrect data reporting to all 3 bureaus- XXXX has already deleted the account as it has aged out. 

I would like Experian to properly handle my disputes and not farm them overseas to entry level support teams. 

Both issues are preventing me from obtaining a mortgage 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 non-monetary relief
Consumer complaint received 2021-05-17 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:
There are several fraudulent accounts on my credit report that have been removed and were illegally placed back on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp.
State: MO

Complaint narrative:
Started getting emails. 

Contacted " original ' " creditor. '' They stated they never sent this in for a collection. 

This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
The transition from Simple bank to BBVA has been a complete nightmare. I literally can not believe this bank is allowed to be in business after the way they've handled their transition. I've been locked out of my online banking account for a week. The app apparently made up security answers for customers and when people try to answer them, they get locked out of their account. This is what happened to me and I've been on hold 3 hours a day for 4 days trying to get through to someone to get in my account. I'm just trying to close out my account and get away from this horrible bank as fast as I can. Keeping people from their accounts for this amount of time should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Chime Financial Inc
State: AL

Complaint narrative:
Chime has closed my account for no reason at all and have left me in a bind. I had plans XXXX in a couple of days and was paying out of pocket cant now because they have all my money. I havent done anything illegal yet they closed it and holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I have been fighting to have JP Morgan removed from my credit report, they have never replied to my investigation with the info I requested. All I received is the investigation is complete and verified. I have asked for what they have that verified the account they did not send copies. I have also send my 3 bureau credit report showing the inaccuracy 's they then removed interest they had been adding which is illegal on a closed account and goes against the FCRA. The past two months they have reopened the account with XXXX and this is causing catastrophic damage to my credit score. They legally can not open a closed account from XXXX that I have been disputing trying to get proof from them proving this is my account I would like this account. I have asked All three credit bureaus to remove if they can not show my proof. They never reply with proof just that is is valid. according to the FCRA is they can not show me what they have to prove this is my account with my signature they legally must remove ; they have not, they have instead reopened the account. What the credit bureau 's are doing along with JP Morgan auto is illegal and abusing their power to hurt people financially. I want this account removed from all 3 credit reports and would like to file a formal complaint against JP Morgan Auto for abusing their credit reporting authority. 

1st letter sent : XX/XX/XXXX 2nd letter sent : XX/XX/XXXX 3rd letter sent XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have disputed this company multiple times with the credit bureaus and cfpb and my issue with their erroneous and unlawful reporting has not ceased. I've asked them to provide me with proof that they were given permission to obtain this debt from the original creditor by me. I did not sign any consent forms in my name for any medical professional to sell or contract out any bills claimed to be owed by me. A bill does not prove that the debt is validated as mine. ARS continue to respond to my disputes with a statement saying the balance owed is reporting as correct. However the balance itself is not what i am disputing nor does it justify their unlawful acts. Below is a summary of my requests made more than 60 days ago. 

I received a bill from you .... and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from .... 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ... ... ... ... ... for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

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 2021-05-17 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: GA

Complaint narrative:
I just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I refinanced my car through Capital One. During the refinance, I was taking my ex-husband 's name off of the title of my car. I submitted the limited power of attorney for myself and my ex-husband to show that he would no longer be on the title. 

I have contacted Capital One Auto Finance on numerous occasions to get an update on the status of my title because I still have not received a valid registration for my car and when I received my Personal Property Bill for my area on XX/XX/XXXX, it still has my ex-husband 's name on it. 

I have contacted Capital One at least 2 times a month since refinancing in XX/XX/XXXX. Every time I contact them, they tell me that the " back office team '' is working on it and they are backed up, but it should only take 2-3 weeks for this to be completed. It is now XX/XX/XXXX, and I just got off the phone with them again and they still have no update. 

Every time I call, they tell me that the back office team will be calling me with an update, but I have not received the call from them at all. 

This issue is a domestic XXXX issue as my ex-husband can't know where I live or have any access to any of my assets. His name on my car causes a lot of issues because he could do something to my car in my area since it is his car, as well.

Company response to consumer: Closed with explanation