vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: DISCOVER BANK
State: MI

Complaint narrative:
I applied for a discover balance transfer card a few weeks ago, and their system froze up during the application process and made me do it twice. I did not want to send {$5400.00} to my XXXX card. I only needed {$2700.00}. Yet, Discover charged me twice for the transfer and maxed out my Discover card. They refused to credit me after their phone rep said they would. I believe they are double charging people to get extra money in transfer fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 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: CO

Complaint narrative:
Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: OH

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
Today, XX/XX/XXXX, I received a call from a collection agency called XXXX in XXXX. They tried to collect {$100.00} they claim I owe to XXXX. I have not been a customer of XXXX since XXXX of XXXX. I have a bank record showing my regular payments to XXXX and how they stopped in XXXX when I moved. I did not owe them any money when I ended their service at that time. I returned all of their equipment, and I have not done business with them since. The representative of XXXX  was not able to give me any information about this debt. She had no idea when or why XXXX claims I incurred it. All she could say was that XXXX acquired the debt on XX/XX/XXXX. I do not have a problem with XXXX. I think they are a victim here too. 

In XXXX of XXXX a company called XXXX XXXX XXXX put {$100.00} debt on my XXXX credit report on behalf of XXXX. I never got a call or letter from anyone about the debt, it just showed up directly on my credit report. I disputed it at the time with XXXX, and it was removed from my credit report immediately. I have a screenshot from my XXXX account to show that information. 

This cant keep coming back. I never owed them this money. At no point did XXXX contact me directly about this debt. They just sell it to collection agencies and try to damage my credit. I need your help to make XXXX stop trying to collect this debt I never owed. They cant be allowed to bring this back after 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
I have a complaint with a deed in lieu and/or foreclosure since my last payment in XX/XX/XXXX. For some unknown reason my mortgage company rejected my request on XX/XX/XXXX and they have not processed a foreclosure. They have continued to use my escrow account to pay for taxes, home insurance and even paid for some lender fees? I have no intention of keeping the property to which they have been aware of. On XX/XX/XXXX they have requested documents I had already provided to them for the rejected Deed in Lieu weeks prior to their latest delay. There is a note on my account stating my account is not eligible to make payments and to call XXXX for assistance. My loan number is XXXX for property XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have continued XXXX XXXX and XXXX and their lack of action is continuing to be a problem for my XXXX health. I am trying to process the irresponsibility of the real estate professionals who chose to rip me off. I am XXXX XXXX XXXX and would like to move out of my sons home and put this behind me. 

They continue to show my loan as unpaid on my credit report and this has caused me financial problems. I have been in contact several times in the last year with my Mortgage Lender, United Wholesale Mortgage aka XXXX XXXX XXXX XXXX Mortgage, regarding a home loan I have in XXXX, TN. They have changed my loan specialist for my account almost monthly and have not spoken to my latest specialist as she wont return my call. I had to vacate the property in XX/XX/XXXX due to lack of hot water for several weeks which started a month after I moved in. I purchased a home in XX/XX/XXXX with a full warranty supposedly to be provided by the seller, however the warranty was XXXX ordered and paid for by my Realtor for {$480.00} XXXX. The home warranty company has not repaired or replaced the defective water heater even after several service call requests. XXXX XXXX XXXX breached the contract and I did some checking into the realtors and discovered the sale was based on questionable actions and undisclosed information. 

I had reported the problems to my mortgage company United Wholesale Mortgage XXXX When I first approached the mortgage company with the issues they thought I was trying to do a deed in lieu, I stressed there was some fraudulent actions by the people involved in the home I purchased. I received no help from my mortgage company and to this day I have received no help. They have used ALL my Escrow funds to pay bills for that home that should have been foreclosed on months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
21st mortgage is not accepting all the proper documentation for minor dependent XXXX. I am the XXXX parent the minors are both XXXX. The denial for the loan was based on the girls were already XXXX because they are XXXX  years and XXXX months. The federal Lending law and Social Security say the girls have to be XXXX and they get it until theyre XXXX or it will extend to XXXX if they are still in school full-time. They are also stating that The minor dependents are on XXXX. And I keep telling them theyre on XXXX but they do not understand the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: WA

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently received something in the mail saying that I owed XXXX for a capital one credit that I never knew existed. My concern is not only the fact that this debt does not belong to me and is clearly fraudulent but the simple fact that the first form of communication received concerning its existence was in the form of a court order. This is not the appropriate way to handle a collections case in the state of Virginia. To further argue the validity of this debt, I must call attention to the fact that this debt is made out to a name that I have legally not used since XX/XX/2016. I lived in a shared living space during the time that the creditor alleges I incurred this debt which further questions it's legitimacy. Below, you will find a picture of my identification that outlines my legal name as proof. I demand valid proof that I, XXXX XXXX XXXX XXXX, approved the opening of this line of credit or it is removed from my credit report and no further collection action is taken. I'd like to call attention to the fact that this credit is only showing up as closed on 2 of my credit reports and both show a different close date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This agency never sent me paperwork informing me that I can opt out of having these items reporting to my credit report. that is very misleading on their behalf. this has caused me tremendous amount of XXXX and has made my XXXX XXXX get high. I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of Equifax Data breach which my information was used to make all of the inquiries that are on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of XXXX Data breach which my information was used to make all of the inquiries that are on my consumer 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 non-monetary relief
Consumer complaint received 2021-05-13 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX  Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: IA

Complaint narrative:
I serve as the XXXX for a 501 ( c ) 3 organization which holds a checking account and credit card with US Bank. I was attempting to activate the card and was informed that I am not listed on the account, despite transferring accounts into my name two years ago. 

All billing for the accounts is mailed to my personal residence. 
I can view all account information including bills, transfer and pay accounts, etc. through my online account access. 

US Bank refuses to inform me who their listed account holder is, or how I would obtain this information. But did tell me I could go to the branch if I wanted. I did inform him I appear on the XXXX  Report filed with the Corporation filings at the Iowa Secretary of State and could provide that documentation. I was told this was insufficient and that documents from a website can not be examined. He was unable to tell me if someone in another division would be available to review the documents. 

The supervisor XXXX ( Case reference XXXX XX/XX/21 XXXX informed me that he had no other option for me and contact with Office Of The President was my only option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was banking with Simple. They were bought out by BBVA and accounts were transitioned last Saturday, XX/XX/2021. Since that time I have not been able to setup and online account with BBVA, and neither have thousands of other Simple customers. Their support line never answers your calls, and when they do they say nothing can be done at this time. 5 days without access to my account is unacceptable. BBVA should be held accountable for this blunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
This company has provided poor customer service and sold me adefective product

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TX

Complaint narrative:
I submitted a dispute with Equifax on XX/XX/2021. It is XX/XX/2021 and it STILL HAS NOT been completed and Equifax will NOT remove the items disputed. The company is clearly in violation!!

Company response to consumer: Closed with explanation