vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
XXXX XXXX and Equifax was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
We refinanced our home with a new lender and the old servicer ( Roundpoint Mortgage ) received the payoff on XX/XX/XXXX. It is XX/XX/XXXX and we have yet to recieve the escrow refund, which 12 CFR Part 1024.34 requires to be returned within 20 business days. 

The first time I called ( XXXX ), they indicated I had to wait until XX/XX/XXXX before stopping payment and requesting a new check, but they would not give me a firm date on when the check got put in the mail. 

The documentation from my account indicates that they processed the refund on XX/XX/XXXX and when I spoke to a customer service representative today, they claim to have mailed the check no later than XX/XX/XXXX. With that information, the took my request to stop payment on the current check and issue a new one ( which is inconsistent with what I heard on my first phone call ). 

They claim to have followed the guidelines, but the song-and-dance seems disingenuous. They've made statements that their check processor is taking longer than normal but would not provide details. They also stated that once written, they take upto a week to get the check in the mail and are pointing to USPS as a potential cause to the problem, but they don't offer any tracking of the check. 5-10 business days is a reasonable waiting period to allow for them to write, mail, and get the check delivered. A month is not. They are well beyond the required 20 days, even allowing for some rational processing and mailing times.

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 2021-05-12 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: MO

Complaint narrative:
On XXXX XXXX I sent dispute letters to Equifax. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 non-monetary relief
Consumer complaint received 2021-05-12 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: DISCOVER BANK
State: CA

Complaint narrative:
hello to whom to may concern i had autopay with discover bank and for one reason or another payment didn't get deducted and a late payment was reported in XX/XX/2021. i reached out to discover and they assured me that the late payment was reported by mistake, due to autopay not working and discover agreed to remove late payment from all credit bureaus. I spoke to XXXX from discover on XX/XX/2021 at XXXX XX/XX/XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with sue from discover on XX/XX/2021 at XXXXXX/XX/XXXX pst. i even spoke to both of there supervisors and they also confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
I can show phone records that show this company has called me every day, with the exception of Sundays, for the past 6 months or maybe longer. The debt they state I owe is with T-Mobile. I have already settled any debt I have with XXXX. I told them since I do not believe I owe the debt I will wait, and if it is legitimate, I will pay it once it shows up on my credit report. I also called XXXX. Nothing has shown up on my report. I believe I paid this debt and this company bought the debt and now keeps hassling me. I have asked to be taken off of this list many times. I still get phone calls and the people are so rude for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/2021 I noticed fraudulent activity on my Chime credit builder card. On XX/XX/XXXX my card was used fraudulently XXXX times at exactly XXXX at XXXX in XXXX XXXX NV totaling {$1100.00}. On XX/XX/XXXX my card was used once at XXXX at XXXX in XXXX NV totaling {$190.00}. XX/XX/XXXX I noticed this activity and called to dispute these to Chime. I filed the dispute and sent back the dispute form as requested. Chime cancelled the card and stated that they would mail me a new card. On XX/XX/XXXX my card was again used fraudulently at XXXX XXXX  times at exactly XXXX. I again called chime to dispute these charges and again was told that the card was off and that the disputes department would look into this and that it could take up to 90 days. At this point I spoke to a members services agent who told me that the card had been used at multiple different locations around XXXX California at the exact same minute. On XX/XX/XXXX I received and activated my new card and transferred {$1.00} into my credit builder account. On XX/XX/XXXX at exactly XXXX my old card was used XXXX times at XXXX totaling {$820.00} and another dispute was filed with Chime and same steps were taken in changing my passwords etc. On XX/XX/XXXX my old card was again used at XXXX  totaling {$66.00}. I filed yet another dispute with Chime and this dispute was resolved same day. At this point I had both my old card and my new card deactivated. No purchases should have been able to go through and a new card was being sent to me. On XX/XX/XXXX at exactly XXXX just as I was clocking out for lunch at work my first card was charged XXXX times at XXXX  totaling {$2900.00}. I reported this to chime on XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to make sure they had received all documentation and additional documentation that I had including screenshots of my location at the time of every single dispute, my XXXX shopping history both in store and online and my clock in from work. All disputes were closed by XX/XX/2021 stating that my dispute was denied. I asked for more information on why a dispute was previously denied and was sent an email containing a basic printout of the transactions and the time and station ID of transactions. To me this is not proof at all. Today I received an email that my account would be closed as of XX/XX/2021. When I asked the Chime agent the reason he said that it was not listed. I do not want to be held responsible for these fraudulent charges. I have done my due diligence in reporting within a reasonable time. Changing my passwords etc in order to keep my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
I order an item online through XXXX and the sender was supposed to send it to me. He sent it to the wrong address and I never got the item to me. I had already paid and he deleted his website so I can not contact him and he never resent the item and it has been a entire month. I disputed the charge with my bank and my claim was denied. I even have prof that I never received the item and they will not refund me my money. XX/XX/XXXX cant give me information on the package except for it was not delivered to me. I paid XXXX dollars and they refused to credit it back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I submitted my application for public service loan forgiveness on XX/XX/2021 through Fedloans. I received acknowledgement of my application on XX/XX/2021. I received a notice with an updated payment count on XX/XX/2021 confirming that Fedloans had updated my payment count on loan sequences XXXX and XXXX to 120 payments. I reached out to customer service and they said there was nothing to do but to wait and that once the loans passed internal review, they would be passed on to the Department of Education in batches, likely in 2 weeks time. Several weeks pass, I contact customer service again to see if there are any updates. They state that the process is " non-linear '' and that they can not comment what the steps are or which steps have been completed. It is unclear to me ( and hundreds of other borrowers ) currently in this limbo why there can not be more transparency about this process. It is also frustrating to call different customer service representatives and be given a different answer each time. The goal of this program was to encourage people to work for non-profits and governmental agencies for a period of 10 years but in effect, it is actually tying them in place for 10.5 years. I have turned down job offers during this period of time of limbo, decisions which materially impact my family. I respectfully ask for your assistance in increasing the transparency of this process for myself and others like me who feel trapped and helpless in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent a letter to Transunion regarding fraudulent inquiries on my credit report on XX/XX/2021. This letter was sent via certified mail and shows that It was received by transunion on the XX/XX/2021. I contacted transunion on today XX/XX/2021 and was told that the document were never received. I provided the agents with the certified tracking number, but they still refused to help me. 

Tracking # 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 2021-05-12 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: WA

Complaint narrative:
on XXXX, I received an email from Experian stating that my disputes were complete and that I could log into my account and view the results. When I logged in, there were not results shown in the results section. Also, all disputes that I have been sending in state that I do not consent to online delivery of my results. They continue to ignore this statement. I am not sure what dispute this is because there are no results or information to cross reference to give me the date in which it was sent in. 

Also, they continue to show the same name on my report multiple times. If the name is the same as another name, then it should not be listed.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion, and XXXX  are all reporting I owe XXXX. I do not owe this amount to the car. They are reporting it was in Bankruptcy in XXXX. The car was paid off as agree on XX/XX/XXXX. 

I started a dispute with all three credit bureau in the month of XXXX and XXXX to have the erroneous information removed. All three credit bureaus came back with the information that was correctly reported. 

According to the Fair, Credit reporting agency incorrect or information being reported on my credit report which is not accurate nor do they contact the actual business to verify the information. They completely rely on XXXX XXXX and all of their information is incorrect. 

I have included files to show proof of my efforts and all three credit bureaus refused to remove incorrect information. They have violated the number of days of validation and reinvestigation. All three credit bureaus have failed to comply with the Fair Debt Collection Practices Act. My next move is to file a lawsuit against all three credit bureaus this is my last attempt to show efforts in removing the inaccurate 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 explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
XXXX Transunion and XXXX was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1.XXXX XXXX XXXX  2.XXXX  XXXX 3.XXXX XXXX 3.XXXX  XXXX  XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 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 2021-05-12 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: FL

Complaint narrative:
Exparian XXXX  and XXXX  was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1.XXXX XXXX XXXX  2.XXXX XXXX 3.XXXX  XXXX  3.XXXX  XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 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 non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: SC

Complaint narrative:
Pro collect is the collection company and for the last five years I have been disputing and resending over proofs that this is not my apartment. Today I spoke with a few managers one female name XXXX and one make I forgot his name and they both were extremely unprofessional. They told me they dont care about what I say I owe for this debt and I will pay it and that I am a liar even though I provided them proof. They screamed and hollered at me as if I was one of their children and yes I did return the total disrespect after calmly trying to resolve the issue. The line is recorded so you all can request the call from Wednesday XX/XX/2021 starting at XXXX XXXX  and the last call and rude encounters being at XXXX XXXX eastern time for proof of them admitting I do not owe the balance they are providing on my credit report and they they are initially depriving my children and I of a decent place to stay. The amount Im fraudulently being accused of {$5500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I reached out to Discover Card to get this sorted. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement only after being advised that I could only be eligible if the account was behind. The account is now current but the late fees are bringing down my score. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, NY XXXX ) and Collection Bureau Hudson ValleXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact XXXX XXXX XXXX to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX, XXXX, XXXX ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.

Company response to consumer: Closed with non-monetary relief