vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 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:
Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: IL

Complaint narrative:
Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.

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 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2020 I was on my honeymoon in West Virginia. We live in Michigan. While on the honeymoon, my account was frozen without any explanation. I was far away from home without any access to any money. We hadn't eaten and we were nearly out of gas and atleast 8 hours from home. I stopped at a place that was willing to take my mother 's credit card for payment for food so we could eat that night. I called the customer service number at Chase and was put on hold for many hours. I would get disconnected and I would call back only to be put on hold for several more hours. I finally reached someone who was going to connect me with a manager to find out why my account was frozen. During this call, the representative somehow disconnected with me BUT instead connected me to another customer. This customer heard my name, address, account number at other pertinent information and then realized they were connected to me, another customer, and hung up. Because we were stuck out of state without any money, my mother went to Chase the next day ( Saturday ) to sit in front of a manage so they could have me call in to discuss this situation. The manager was on for several hours to customer service as well and attempted an in network chat with a loss prevention manager to discuss. The only thing that was told to me and my mother at that time was that it was due to fraudulent activity from deposits made. My mother had to do a XXXX to XXXX money exchange so I could pick up money to get home. Once I was home, I kept calling and stopping at the bank for an explanation. I kept getting the run around. No one would tell me what " fraudulent '' deposit occured. Finally, this past week and nearly 1 month later, I was told it was because my wife UIA was being deposited into my account. We have been married for nearly 2 years. She wasn't listed on the account but she has deposited paychecks into my account prior to this. This has caused my family so much stress and I was struggling to meet my bills since Chase was holding over {$1200.00} of our money. We spent the initial week having to borrow money just to pay bills, do grocery shopping, buying diapers and pet food. This is horrendous that a bank can do this to individuals and leave them without any funds whatsoever. If it weren't for family, we would have starved, my son wouldn't have had diapers to wear, my pets would have starved. What gives them the right to hold my money? This was criminal and the bank was extremely unprofessional in the way they handled this ... .especially during the pandemic when it was extremely difficult to find any money to earn. This bank needs to be held accountable. I will NEVER do business with Chase and now I am hesitant to do any banking with any banks in the future. My family is now moving their accounts from Chase. They do not trust them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I called Bank of America to attempt to settle a debt that was negatively reporting to my credit bureau. I was transferred to XXXX XXXX XXXX XXXX XXXX, and I was informed that Bank of America still owns the debt, but they are servicing the debt. Bank of America still owned the account, and XXXX was an intermediate between myself and Bank of America. The young lady I spoke with gave me an offer of {$710.00} with the promise that the entire Bank of America entry would be removed from my credit report after 30 days. The term that the lady used was " pay for delete ''. I thought that this was a good offer, and I verbally agreed to pay. She said to call back in 30 days for the letter showing that things were settled and closed. I called back and received the letter showing that the debt was completed and I did not owe any more money to Bank of America. After obtaining the letter, I waited a few days to see the Bank of America entry completely deleted from my credit report, however to my surprise the account only showed a XXXX   balance, and actually put a negative mark on my report for the month of XXXX. At best, I was misled, and at worst I was lied to by the representative. I only ask Bank of America to do what I was promised, and delete the entire entry off of all 3 of my credit reports

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 2020-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Du3 to COVID in XXXX I make a payment on my car Chrysler to avoid repo or charge off..agent told me that they will apply extension but I need to make 1 full payment and I did when I receive my unemployment check but either way Santander consumer usa charge off my account and they sold my account to this other company and they called with a bad behavior asking for an amount of money that at thia time don't have and they not able to assist customers due to COVID..they keep threatening with Repo and ths keeps me very stress every day aa need veg to attend the Dr but they don't want to help with options..very stressful in the middle of this pandemic they hurt my credit and they don't want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
Amerihome Mortgage Co. I had an Forbearance agreement that started XXXX, XXXX, ended XX/XX/2020. I was told by mortgage representative that all late charges and reporting will be extinguished! My loan was NOT delinquent!! So, there should not have been any credit reporting made! My payments are due on XXXX of the month and after XXXX late charges will apply, that's on my payment statements. In XX/XX/2020, I was told by another bank that Amerihome mortgage reported me during the forbearance period for Late payments in XXXX and XX/XX/2020! I immediately called mortgage company and was told by a representative that they was sorry and will work to have it removed but will take 2 weeks? In XX/XX/2020, My credit score went from Excellent! to Fair? because of this reporting during hardship. I called mortgage company back in XXXX, No note was made on my account regarding the reporting retraction as promised? No one new anything about this problem! Now, Amerihome mortgage has made it difficult for me to make payments online!! This company dose NOT put the customer at the forefront? This is NOT an honest company! They use loans at the customers despair! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: OH

Complaint narrative:
This account does not have LAST DATE OF ACTIVITY. Please delete ASAP. 

XXXX XXXX # 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 2020-08-16 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: OH

Complaint narrative:
This account does not have LAST DATE OF ACTIVITY. Please delete ASAP. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
The company was to provide a statement of debt owed and fees, and never did. Additionally they charged me well above the amount owed stating legal fees. I paid the full balance plus their fees, and after trying to have the credit reporting bureaus remove this from my report as a paid debt, the debt collection agency is still telling them the balance is unpaid despite having sent me a letter of payment and also having the payment clear my account. Im not sure the tactic here other than one person mentioned that I could still dispute with my credit card company to reverse the charges so they will not show it paid until I can no longer dispute it, even though they already have my money. This is preventing me from getting my score back to where it should be while we are tying to buy a house, and theyre holding it ransom for some reason still even though I paid them more than I owed for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
This debt has already damaged my credit report and public record. I deny owing XXXX {$910.00}. The original credit limit was approximately $ XXXX {$300.00}. 

The reason for non-paymen was I lost my job and could not collect unemployment benefits which I did file for, but were denied. I am now on fixed benefits with no other income. With the raging pandemic and struggling to make ends meet, I just can not afford any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Attention Deputy Director : XXXX XXXX I have disputed this medical bills with both the collection agencies, both of the credit bureaus. Merchant Credit Guide is located at XXXX XXXX XXXX XXXX, XXXX  Il XXXX, Creditor : XXXX XXXX XXXXXXXX  dated XX/XX/XXXX in the amount of {$1300.00} at which time all these medical bills should have been paid by both of my health insurance, for all billing in this complaint that I have enclosed here. Now Merchant Credit Guide has this collection on my report with XXXX XXXX in the amount of {$1300.00} and XXXX  has it on my report in the amount of {$890.00}, # 2. Merchant Credit Guide has another collection on my report for XXXX XXXX XXXX  the amount of {$350.00} which also should have been paid as stated above. # 3. Now come XXXX XXXX XXXX that has a collection on my report in the amount of {$370.00} which also should have been paid as stated above.
XXXX XXXX XXXX health insurance through my employers that I had as well as Medicaid that I have and continue to have.

Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: MI

Complaint narrative:
On my transunion credit report file number XXXX, Tradeline " XXXX XXXX XXXX '' it states under pay status " Account 30 days Past Due '' .I have paid this account off in 2017.It should say under Pay status '' Account paid off and closed '' not 30 days past due.

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out I had a security freeze on my personal credit report and I sent in the right documents to prove my identity to get the security freeze lifted Experian head advise me to do so so I mailed it in and I received a experian report number XXXX - XXXX - XXXX For XX/XX/2020 .... all it says is a work we received a request to temporarily or  permanently remove a security Freeze from your personal Credit Report or for a personal identification number reminder. Our records indicate that your file does not display a freeze if you have any questions please contact us. Well when I tried contacting them there's no one to talk to you on their phone lines I tried I tried every which way now I can go on my phone there's no one to speak to they don't let you talk to anybody. I dont know what to do cause everytime i apply for credit it boots me automatically and saying on my credit disapproval mail letter my security freeze needs to be lifted. Im trying to rent a apt . How do i XXXX do taht with no options now ....

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 2020-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This complaint relates to Bank of America. Background : The State of Michigan sent a letter about pending unemployment benefits. I've never filed for unemployment, and am the victim of identity theft of my name/SSN. I reported this at State of Michigan unemployment site. Subsequently, I've received a Bank of America Michigan Unemployment account debit card in my name ( never requested, fraudulent ) for unemployment fund access, with activation instructions. I've attempted to get BOA to close this out immediately as the account is fraudulent. However, Bank of America call number provides no path for this. Their online support options are only available for activated cards/accounts. Their hotline simply points users to State of Michigan site, which is non-responsive to requests. I am resourceful at navigating customer support systems but this one seems to provide no path for this type of fraud. I believe that BOA has the legal responsibility to completely close down fraudulent accounts, but they seem to block any venue for reporting that fraud ( perhaps due to the high rates of unemployment fraud, and the service overhead this would cost them in administering their cards ). Any help is appreciated, thanks.

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 2020-08-16 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with Shellpoint Mortgage. Shellpoint will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. Shellpoint has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Called creditors Dispute letter With Creditors Dispute letter with Credit company. 
File Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: DE

Complaint narrative:
I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and Experian advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

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 2020-08-16 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: FL

Complaint narrative:
XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: FL

Complaint narrative:
XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you

Company response to consumer: Closed with explanation