vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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:
Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. Equifax has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: VA

Complaint narrative:
I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: VA

Complaint narrative:
I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: VA

Complaint narrative:
I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XXXX of 2017 and XXXX of 2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: GA

Complaint narrative:
A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account 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 2021-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XX/XX/XXXX received a letter from the BMO Harris Bank which was stating that I owed them funds associated with a home equity account which has been settled since XXXX in conjunction with the Federal HARP program when the house mortgage and associated accounts had been settled. 

I responded the same day refuting the claim and asking for proof that they were even licensed to make claims in the State of Ohio as I suspected this was a phishing exercise. Many weeks later ( actually months ) I received a copy of a statement which did not have my signature. 

In XXXX of this year I received another letter which obviously did not even acknowledge my first response. I wrote back again on the next day and said this : Well I guess I should say Happy XXXX XXXX XXXX!! I would like to begin a conversation which will satisfy this issue with some civility. Your letter dated XXXX XXXX was just received yesterday. I always try to respond in a timely manner. The issues the US Post Office are having come to life with mail deliveries having no rhyme or reason. 

I wrote back on XXXX XXXX with my response to your letter about this issue. I am including a copy of that letter as there has not been any actual answer, other than a form letter and a copy of a very old statement. I want you to be assured that I remain convinced this had all been settled with the HARP settlement in XXXX, XXXX. I also find it odd that after 7 years I suddenly am receiving these letters. I am well aware of the 7 year rules, and attempts to resurrect old and settled claims. 

In the past 20+ years I have endured 2 divorces and defended this family home more than once. I would very much like to hear from an actual person. Please contact me so that we can have a quiet and civilized discussion. 

I feel that my responses have been timely and reasonable in seeking solutions if necessary. This week I received notices to participate in a " mitigation '' program which could result in some kind of foreclosure action. I am more than alarmed. None of their letters offer any form of contact than a mailed response. All of these take time and now even more with the train wreck the US Post Office has become.

I still have no idea or recollection that BMO Harris was the bank of record and have a feeling that they have " bought '' the paperwork which was settled and are involved in a financial harassment. I do not think the 7 years is a coincidence. I take a threat to my home and my business very seriously and am seeking your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: CO

Complaint narrative:
D2 Management - apparently a collection agency - called me from XXXX. They told me I owed 3 accounts that they hold. One was XXXX, one was XXXX, and one was XXXX. I do not recognize these accounts but I notified them that they can not collect on a debt from XXXX anyway because it is outside the statute of limitations for Ohio but she argued with me that it is not. 

I asked no less than 4 times during the call to have my debts sent in writing because I need to know who they were, what they were for, and when they were incurred, and she said things were mailed to me " before it went into collections and they do everything electronically by email. '' She flat out refused to take my address and send me anything in writing. 

I also notified her that she was calling me outside standard collection hours. She argued with me that it was XXXX. I live in Colorado. I used to live in Ohio, but she didn't give me a chance to tell her it was XXXX XXXX because she refused to take my address for mailing me the information and kept interrupting me and reiterating that I had to make a decision regarding paying these off or she " would have to tell her clients so they could make a decision about further legal action. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AZ

Complaint narrative:
I have disputed numerous things with TransUnion that were in accurate. The reasoning explained Everytime. This company does not ever do anything with my disputes but dismiss them. Or doesn't make any changes when the paper work shows the proof of why I'm disputing. It took for a account to close before they even corrected my pay history, when I was reporting it was incorrect for months. One account steady shows charged off when it's not and the balance even shows I paid in full, yet they still will not removed charged off. This company does not ado anything they should be when it comes to investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a message that my payment to XXXX XXXX XXXX was declined by Bank of America and I decided to call the bank 's customer service to check the problem and I was informed the Bank will close all my accounts and also one account that is not my but my former employer will also be closed. They did not send a prior advice or notice. They do not say any reason for it. I'm not working since XXXX due I had to leave for a treatment of a XXXX ( level XXXX ), after I receive a diagnostic from my doctor in XXXX, that it had XXXX to my XXXX, XXXX and XXXX. I need to know why they are doing it in a such bad time for me. It is supposed to have a solution or a letter if they need any additional information from myself and I received none. Besides I'm feeling bad about my health condition, I have to deal with a situation like this one, been unfairly treated by this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account 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 2021-10-07 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: GA

Complaint narrative:
A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I and my family members have been getting calls for several months now from very aggressive people, one male and one female, saying that I owe money on a Best Buy credit card. Its a card that I haven't had for over 10 years now. We have since gone through the bankruptcy process and paid back everything we owed. They keep threatening to serve papers to my place of employment but then ask me to provide my employment information to them. My wife got into a very heating argument with the male and explained that our debts are paid in full through the bankruptcy. He was yelling at her and being very irrational. Now they have upped their tactics and are calling from a Private Number but still giving the same story. The number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This a continuation of complaint XXXX. As a result of that complaint my interest fees were waved on XX/XX/2021 from months previous to XXXX. While this complaint was being settled, I was charged an additional {$380.00} in interest charges on XX/XX/2021, based off charges that were on my account that was later ruled that it shouldn't be there. I called American Express on three occasions afterward in order to fix this on my account but I never received a call back from anyone. I then paid off my account in full minus about {$300.00} that should've never been on my account due to the previous ruling and was charged {$36.00} on XX/XX/202. I am asking that {$420.00} in interest charges be removed due to that balance only being there due to error from American Express which has already been acknowleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My mortgage account for them was under forbearance until XX/XX/2021, at which time I made three consecutive payments for XXXX, XXXX, and XXXX. They then confirmed we would proceed with loan modification and would send the paperwork to me 30-45 days afterwards. I have called several times and they concede this has not happened and asked for more time. Every month I incur extra accumulated interest, since the interest rate on this loan is 2 % higher than what I will get when I refinance. Nationstar/Mr Cooper accumulates interest owed every month they delay. Moreover, I am totally unable to refinance this mortgage and other mortgages until this is resolved. It is artificially impeding my credit score while they reap an absurdly high interest rate ( 5 % on a 20 year fixed ). No offer to refinance has been made and I incur thousands in additional interest costs as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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:
XXXX AND EQUIFAX, have both allowed a known violator of the Fair Credit Reporting act, i.e. XXXX XXXX XXXX, to place fraudulent collections on my credit reports thereby negatively impacting my credit score which has real world negative impact on my financial health which is intrinsic to my personal well being. 

Everyday that goes by with these fraudulent collections on my credit report is a violation of my rights, a crime against me initiated by XXXX XXXX XXXX and permitted by XXXX & EQUIFAX, who exercise no caution to determine if the alleged debt collection is indeed mine or even valid. 

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
My Credit rating was excellent. However, my spouse passed away on XX/XX/XXXX. Since that time, several of her creditors have erroneously and or fraudulently attempted to report her collection accounts as mine. In this case, the merchant, XXXX XXXX XXXX XXXX reported 2 amounts of {$270.00} & {$510.00} to both XXXX and Equifax as collection accounts in XXXX. At that time, I disputed both charges and both XXXX & Equifax removed the accounts as they belonged solely to my deceased wife or were fraudulent, A year later, in XXXX, the same merchant XXXX XXXX XXXX XXXX, once again reported the same two amounts {$270.00} & {$510.00} as collection accounts to both XXXX and Equifax. Once again I disputed both charges. XXXX conducted their investigation and removed the erroneous/fraudulent collection accounts. I called Equifax on XX/XX/XXXX to dispute both charges. Apparently, Equifax only disputed 1 charge. As such, I called again on XX/XX/XXXX to redispute both charges. My Equifax credit report is currently showing the charge for {$270.00} has been resolved by the data furnisher. The charge for {$510.00} ( with the same company ) remains open and unresolved 5 months later. It should be noted that Equifax conducted an investigation into the same two charges in XXXX and determined the accounts were not mine. As such, my credit rating with XXXX stands at XXXX, while my credit rating with Equifax is XXXX. Because of the erroneous? fraudulent collection accounts on my Equifax report, I was declined for a credit card ( reason given was a collection account on my report ). More importantly, due to unforeseen circumstances, I will have to vacate my home in the next 30-45 days. and these two erroneous/fraudulent accounts on my Equifax report will prevent me from purchasing a new home. More importantly, these accounts do not belong to me. In closing, my complaint issues are the following ; # 1 The two accounts referenced above are erroneous and or fraudulent and should be removed from my Equifax report as XXXX has done. # 2 How did Equifax conclude in XXXX that the same two accounts were in fact not mine, but in XXXX, they now conclude the {$270.00} charge belongs to me and after 5 months, the {$510.00} ( from the same company which was removed by Equifax in XXXX ) charge still shows as open and unresolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Nelnet, Inc.
State: MA

Complaint narrative:
My Nelnet student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, Nelnet was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

Company response to consumer: Closed with explanation