vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 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. II feel like I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ZIONS BANCORPORATION
State: NM

Complaint narrative:
On XXXX weekend 2018, my Nevada State Bank account was hacked. Approximately {$21000.00} was taken. 

I immediately called NSB. They froze my account and sent me {$2500.00} to help while they investigated. I spoke with their cyber analysts twice. We agreed on good charges versus fraud. 

After a month, the branch manager stopped returning my calls. I have contacted the bank, Nevada commission on Financial Institutions. I have all the documentation and will be happy to forward.

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 2021-06-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Charges were made to my credit card account ending in XXXX that were not incurred by me. 
I have tried phone calls and a personal letter to the Citibank Security Center with no results. It has now been more than 30 days. It is obvious this charge : XXXX XXXX XXXX CA {$90.00} on XX/XX/2021 should have been to an account ending in XXXX. ( Their own document ). 

It is also obvious this charge : ( charged to my account ) XXXX XXXX XXXX CA {$49.00} on XX/XX/2021 should also be made to the same account ending in XXXX. 

The two charges were made the same day, XX/XX/XXXX by the same person. 
How did my card information get involved? I am an Indiana resident and my card has never left my wallet.

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 monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was granted an extension to pay my car payment for XX/XX/2021 and XX/XX/2021. In spite of my regular payment being extended and documented, Chase Auto Finance reported my late for the month of XXXX which caused me to lose 55 points on XXXX, 33 points on XXXX  and 43 points on XXXX. I should not have been reported late if Chase agreed to extend the payment. It is unfair to the consumer for a finance company to agree to defer payments, then still report the consumer late during the agreed upon deferrment period. That is technically breach of their own agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. XXXX feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX 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 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I received a letter from service Mac that they were renewing a insurance policy they bought on my behalf with money for my mortgage account for a estimated amount of XXXX. After speaking with their rep XXXX XXXX no I'm not spelling that wrong I was informed that I don't know my own address that was changed back in XXXX before they purchased my mortgage in XXXX. Apparently I was responsible to inform them that they hadn't done their dew diligence before signing a contract that the property they purchased actually existed. So even after writing Two checks for the property taxes to the correct address, Two checks for insurance to the proper address Still purchased insurance on my behalf because they have the wrong address listed on the loan. Also they send me an invoice every month to the correct address. Now on XX/XX/XXXX they in fact charged my mortgage account on witch I pay interest XXXX for the fraudulent insurance. After filing complaints with the XXXX and CFPB they finally relented to their mistake but only refunded me the XXXX and put the money into my escrow account, they stole the money from the mortgage account witch charges interest and refunded it to a account meant for property tax and insurance. This little over sight is still costing me money for their incompetence. This is their idea of servicing their clients.

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 2021-06-12 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Hi I paid my debt in 2020 to my recollection and I was told that it would be marked as paid and removed from my report on their behalf. However, as I look at my XXXX XXXX XXXX accounts, it still shows up along with either open, unknown or in collections. I would like them to be held accountable for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: IL

Complaint narrative:
I recently checked my TransUnion credit report and I seen 2 late payments from XXXX XXXX XXXX that is incorrect because Iam in good standing with this company with no late payments also I see 1 late payment from XXXX XXXX XXXX and that is incorrect iam in good standing with this company as well.

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 2021-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I do not recognize this medical debt. I have asked the collection company numerous times to validate XXXX XXXX. Not once have a received a response from CAPITAL ACCOUNTS LLC. They are also illegally charging interest on this not validated or verified account. Last year XX/XX/2020 the collection showed a balance of XXXX}, now a year later it shows XXXX}. The credit bureaus are also of no help, I dont know where else to seek help. This is my last attempt to get answers before I seek legal help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
I have continually ( even through here ) asked that this company send me any correspondence including mortgage statements for informational purposes and other correspondence to my home address that they have on file. My husband XXXX XXXX filed chapter XXXX and also he has a XXXX XXXX XXXX which I dont have access to. He has a key - I dont. I do have access only to the informed delivery of that box which shows me that they sent to items to the box - yet to my home address in my name only - I have received nothing. I have not filed for bankruptcy so if anyone were to default then this mortgage company would come after me, yet they wont send me DIRECTLY to my home address the info I need. Now if they want - I can make sure I change my address and dont forward my mail like XXXX did - so that they dont find me, but I dont play games like that. Secondly, XXXX was pulled out of my dcu ( XXXX XXXX XXXX XXXX ) checking account for XXXX and I would like to know who authorized the payment on the phone because XXXX XXXX isnt an authorized signer on that account so you should have my voice on their allowing you to pull the money and if you dont- then you are allowing XXXX to use my info to pay without my consent and thus I want the recording as does my lawyer for the authorization for the XXXX payment which I know they do. 

This company repeatedly does not listen to what you require and they allow unauthorized transactions and I am getting pretty upset at this juncture with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 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 equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 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 equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: DISCOVER BANK
State: PA

Complaint narrative:
Called Discover after discovering that there were 3 unauthorized charges totaling more than $ 500+. I reported these charges as fraud and called Discover. I was worried that the charges would post to my statement, therefore negatively impacting my credit utilization, negatively impacting my credit score. The woman told me they would not post. I called the merchant and two of the charge were dropped off of my card. However, 2 days later I look at my credit card statement and the fraudulent charge is included on my statement. I called Discover back and XXXX told me that Discover had no obligation beyond refunding me to not include the fraud on my statement, and submitted the statement to the credit agencies including fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2021 Chase closed my credit car following with my business checking account and XX/XX/2021 closed my personal checking account where I only received my direct deposit and pay my bills. No warning, notice or reason. Went to branch 2 times no one gives an explanation or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a promotion via email stating that I could earn a {$45.00} statement credit if I activate the offer and sign up for a new {$45.00} XXXX XXXX membership from Discover for my Discover It credit card. The offer was stated to expire in XX/XX/XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX I activated the offer and then made the purchase on XX/XX/XXXX. I reached out the first time on XX/XX/XXXX about when Id receive the statement credit and was told that I would receive it within 3 statement cycles after XX/XX/XXXX. Now its been 6 months and I have yet to receive the {$45.00} statement credit. Today on XX/XX/XXXX I reached out via their messaging platform and called them, and was told that I did not qualify for the promotion but that the reason was unknown. I was told that since the credit was already applied to all accounts that were eligible, they could not manually apply it to my account anymore. I was given no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: AZ

Complaint narrative:
This attempt for debt collection is from a 3rd party trying to represent XXXX XXXX. I have not had XXXX XXXX as a provider for over 3 years. I switched carriers 3 years ago yet they are still trying to collect a false debt which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I receive 2-3 calls per day at my employer from Portfolio Recovery. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day Portfolio will continue to call using another Portfolio Recovery phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
In XXXX of 2020, XXXX XXXX XXXX received my file and called me about past medical bills. 
I asked if I could do a payment plan and the representative said yes. It was assured to me that my credit would not be damaged if I made payment arrangements. I set up the payment arrangement. Every month on the XXXX XXXX XXXX XXXX automatically deducts the amount and last month they added derogatory marks on my credit. I have been consistent with payments and this was done without any warning.

Company response to consumer: Closed with explanation