vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax has my name incorrectly showing on my credit report. I called XX/XX/2021 spoke with man asking him to correct my name. He told me to send copy of DL and social security card with my correct name and a cover letter stating the issue and what I wanted and to sign and date the letter. This was done and mailed to the PO Box address the man gave me. XX/XX/XXXX I called Equifax to see why my name had not been corrected yet. Lady told me I first had to verify a few things. I gave this lady my name/address & SSN as well as my cell phone number. Lady then said I had to verify more things and proceeded to ask me for all of my past employers and all past bank cards/loans/department store cards etc ... .this went on for over five minutes and I became suspicious as Id never had to give anyone that kind of information or that much information ever. I felt like my privacy was being very violated so I told the lady this seemed wrong to ask me all that personal information and ask to speak with a supervisor. The lady then said they had not received my information that I sent on XX/XX/XXXX. I verified the address I was given to send this information to and lady said yes that is the correct PO Box XXXX I then told the lady I had never in my life used the name they are reporting on my Equifax credit report and its their error so they need to update to my correct name. Lady said to call back couple days. We hung up and I called different Equifax number to inquire if this was proper protocol when they verify a consumers information. Went over issue with man who verified a few things then said hold and call disconnected. I called back spoke with different lady about this issue she said would note disputed and my name could possibly get corrected from her noting the dispute on file and to call back couple days to see if they had received the information I mailed them. Basically this would entail me being on the phone another hour and a half to resolve nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALCOVA MORTGAGE LLC
State: VA

Complaint narrative:
Alcova has failed to pay my R.E. taxes. I have an escrow account with more than enough money to cover the payment. I have been trying to get them to pay it for over a month now. It is severely delinquent. 

I started contacting them a month ago when I received the delinquent notice. I have been told numerous times that the issue has been noted, and escalated. To date, the taxing authority has not received my tax payment. I have requested a refund of my escrow so that I may pay my own taxes to no avail

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 2021-02-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AES/PHEAA
State: NC

Complaint narrative:
My student loans have been in forbearance prior to the pandemic, however Fed Loan Servicing has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have it set up that Venmo gets a deposit when my EDD payments are made. I had an outstanding bill of {$5.00} for less than a week when my deposit of XXXX dollars hit my account ( while trying to get a refund from a person that i had paid for a service refuses to return what i had paid them for good not received since the order in XXXX of XXXX ). On XX/XX/XXXX i received my EDD transfer after waiting over 5 weeks to get payment of only 3 weeks, i have way more in my Venmo account and they will not release any of my money for another 3-5 business days ( which after looking on their website never states that this is their policy ) I did chat with a employee there on XX/XX/XXXX and they assured me that my direct deposit would still go through even tho they froze my account and DID NOT tell me that even after the money was in the account they would still have a hold on my account. Now because of the wait getting my EDD payment and not even getting the full amount owed to me, it will now take almost another week to get the over XXXX XXXX  dollars that I now have in my account and I have explained that i desperately needed that money to put food in my house because of the long delay of getting my unemployment benefits. They would not even at that point release my money, not even a portion of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2020, I purchased a XXXX product from XXXX and then the funds were not added to the prepaid product. I paid XXXX for this transaction. The next day on XX/XX/2020 I called XXXX at XXXX and was told they would send a check for the balance on the card since that balance was not loaded. However at this time they were having " technical issues '' and was denied a refund of XXXX. I then called again at XXXX XXXX EST on XX/XX/2020 and spoke to XXXX - who told me I should seek that refund from XXXX and that is what the system is showing. XXXX refused me a refund in the morning since they were specifically told by XXXX that XXXX would provide the refund. I am out XXXX with no recourse at this time. Both XXXX and XXXX are denying a refund for a card I purchased. I was with XXXX on the phone as I filled this complaint. After further research the card is showing " refunded to store '' at XXXX at XXXX XXXX on the same day of purchase on XX/XX/2020. I DID NOT do this - this was clearly fraud. XXXX has no record of this transaction. I called back XXXX and tried to file a fruad complaint and was not able to open a billing dispute despite clearly stating in their terms and condition that this was a possibility. They stated that XXXX had my money. 

I attempted to file the complaint via the Barclays bank dispute process. I attached the response from the US Federal Reserve Bank of XXXX XXXX which stated in effect that XXXX was in possession of my money. Barclays stated they reviewed the letter but a letter from the US Federal Reserve was inadequate to reverse a decision in this matter. I am very frustrated with Barclays since this is clearly a fraudulent transaction and if a letter from the Fed is insufficient what level of evidence would be sufficient? 

I spoke to a manager at Barclays named XXXX, who stated that since this was a face to face transaction there was nothing they could - again despite a letter from US Fed ; I am having trouble understanding what gives Barclays the right to ignore the Federal Reserve. 

In the Federal Reserve Complaint it is stated, " XXXX XXXX concluded its investigation and determined that the gift card balance had already been refunded to XXXX Store # XXXX on XX/XX/2020. We confirmed that the funds have been reversed back to XXXX Store # XXXX, and that you will need to contact the store for resolution. '' In effect XXXX sold me a card, just reversed the funds on the card, kept the money and refused to provide me the refund. Someone or something forced this refund : If this isnt fraud I am not sure what is!

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 2021-02-05 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: NY

Complaint narrative:
I am in the process of purchasing a home and when the realtor looked at my report, I am a victim of Identity theft. I had a bunch of accounts I've never opened. Please Help me!! I have attached my Federal Trade Commisson report along with my identification. My real estate lawyer told me to go through here to ensure that I get the results I'm looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This so called company is trying to collect on a Walmart card. Number 1 its an old debt. Number 2 I have a letter paid in full and its off my credit. Number 3. Many fake debt collectors try to collect on this one card. Number 4. They refused to validate the so called debt I dont owe this. They know my personal information. Thats scary they hung up on my when I said oh my XXXX about the Walmart card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: SC

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-05 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, XXXX  and TransUnion are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX  and XXXX  is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX 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 2021-02-05 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, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX  and Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I discovered on XX/XX/2021 that I could not log into my online Chase business account ; there was a message that my account was locked due to unusual activity. When I called, I learned my Chase Ink Cash card had been closed. I had received no notice they were going to close it. I had over XXXX Ultimate Rewards points, of a cash value of {$1400.00}, in my account, and I was not given notice or an opportunity to redeem these points before closure. The people I talked to on the phone said they could not give me any information about why or when my account was closed. They provided an address. I wrote a letter to Chase Card Services requesting that they reopen my account or allow me to redeem my points, but received no response. My complaint is with the failure to give notice, failure to give an opportunity to redeem my points, and failure to provide an explanation for the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX, XXXX  my bill did not go through SYNCB/XXXX XXXX  - account with 1 missed payment. I am kindly requesting SYNCB/XXXX XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They keep sending text at XXXX XXXX and when I called to complain they said I had a credit card owed from 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I lost my us bank Relias card. I called and notified them. they told me to send in a copy of my id and which I did. and now they tell me that they cant issue me a new card. I have XXXX dollars on the card that had been canceled. I need my money asap I have bills to pay. altogether it has been four week since I contact them for the first time and still have not got response.

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 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Received several calls from XXXX XXXX saying they were representing XXXX lender. I had a payday loan several years ago and paid it off. They said I still owe them money and I breached the contract. They also called and left a message at my mother 's house who I have not lived with in over 40 years.

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