vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: GA

Complaint narrative:
On XX/XX/2020, I received the results of my dispute of my Equifax credit report regarding my XXXX XXXX account. Equifax claimed they consulted the company, XXXX to determine the balance of my account and I do not believe they did so. There is something fraudulent going on. Because I have only a balance of XXXX on my XXXX XXXX and Equifax returned with their dispute results claiming that I have a balance of {$350.00}. This is false. I have attached the results of my dispute by Equifax and I have attached a screenshot of my actual current balance of XXXX XXXX  and it is {$4.00}. This balance was obtained by me logging into my XXXX XXXX  and getting my current balance so I know that the results of the dispute by Equifax is incorrect. Also, I called XXXX XXXX  on XX/XX/2020 and they confirmed that I only have a balance of {$4.00} and this can be confirmed by the ticket # XXXX which was assigned to the conversation with XXXX XXXX. This issue needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.

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 2020-12-31 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had some issues with some rebilled charges on my credit card with Walmart capital One have failed to rectify this issue I received a correspondence from capital one stating that they will credit my account any interest and any rebilled charges to my credit card however I have not seen any credits besides one for the amount of {$83.00} the other charges are still not credited and I have not seen them as of yet I received the correspondence on XX/XX/XXXX stating that all these charges that were rebilled and interest will be credited back havent received none I lost the correspondence stating such and cant find it on the online profile to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
I was contacted by Portfolio Recovery Associates, LLC and request a debt validation. In return I was sent an account statement that does not prove the debt. I was not provided an original contract that bears my signature and this I am unaware of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I found a house on the mobile app XXXX ( account number : XXXX ) and wanted to rent it on XXXX XXXX, 2020. Then I clicked the buttons " Request to apply '' and " Contact property ''. A person named XXXX XXXX contacted me and led me leave my email address. I did it and left my email address : XXXX. Then a person named XXXX XXXX XXXX email address : XXXX ) contacted me on XXXX XXXX, 2020, and led me answer a rent questionnaire. I did the questionnaire on XXXX XXXX, 2020. Then he asked me more questions, and I answered. On XXXX XXXX, 2020, he emailed me and told me that he decided to rent the house to me and emailed me a lease agreement, but he is in New Jersey, and I am in California, so I have to pay the deposit, {$2100.00} first, then he will mail me the keys and documents, and I can go to the house and take a tour. I did not reply immediately, so he texted me. His telephone number is XXXX, and my telephone number is XXXX. He told me once he receive the deposit, he will mail the keys and documents out. Then I used my husband, XXXX XXXX XXXX XXXX  XXXX XXXX account to send {$1100.00} to the XXXX account that XXXX XXXX provided to me on XXXX XXXX, 2020. He said this is his wife, XXXX 's account, account number is : XXXX. Because our account did not have enough money, so on XXXX XXXX, 2020 morning, I sent the remaining payment, {$1000.00} to the same XXXX account. In the afternoon, he texted me a XXXX  shipment label. The name on the label is XXXX XXXX, address is : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and the telephone number on the label is XXXX. But the tracking information has never been updated, so I contacted him on XXXX XXXX, 2020. He said the package has been picked up that morning. Then I wait until today, XXXX XXXX, 2020, and contacted him why the tracking information still no update, but nobody reply me. Then I tried to call him, but it says the number is no longer in services. Then I called the number that is in the shipment label. A female answered the call, and I asked are you XXXX XXXX? She hung up immediately. I tried to call again, but nobody answered. The third time, she blocked me. Then I called XXXX  XXXX XXXX to claim and told them what happened, they gave me a case number : XXXX. ( I have called XXXX  XXXX XXXX on XXXX XXXX, 2020 to claim the transactions because I thought I fell in a scam, but I can still contact XXXX XXXX on that time. On XXXX XXXX, 2020 is the second time I contact the bank to claim, because I can not contact XXXX XXXX anymore, so the case number created on XXXX XXXX, 2020 ) And I also called the XXXX County Sheriff 's Office, and told them what happened. They gave me the case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I took out a conventional mortgage with U.S. Bank Home Mortgage a year ago to purchase my first home. 

I opted at that time to escrow my County taxes and Hazard Insurance monthly so that they would be paid automatically twice a year. 
At closing, I had put a deposit of {$3500.00} in anticipation of 6 months of property taxes. Thereafter, {$670.00} has been deposited into the escrow account monthly. I was given the impression that the Bank had correctly calculated these figures based on county tax rates and homeowner 's insurance premium, information that was retrievable to them.

I understand that County taxes and homeowner insurance premiums can change year to year and that these are my responsibilities. I was not prepared to receive an Annual Escrow Account Disclosure Statement with reported SHORTAGE of {$2900.00}!! Additionally, my escrow Deposit will increase from {$670.00} to {$840.00} monthly!

This obviously comes as a shock to any first time homeowner. 

I have called the US Bank customer hotline to determine the cause of this shortage. The representative points to yearly changes in County taxes and Homeowners insurance as probable cause of this shortage, but I point out that the increases don't add up to {$2900.00}. 

I have reached out to the Loan Originator from U.S. Bank but he tells me to call the 1-800 hotline and that perhaps a lower tax rate was used and not adjusted in the final closing documents, to paraphrase. 

I think I demand a better and thorough explanation from U.S. Bank. It makes me feel that I agreed to terms of a mortgage ( along with an annual escrow amount ) that was not fully accurate.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I have a complaint about Bank of America EDD prepaid card. I called Bank of America regarding my account being frozen because of the fraudulent that had happened to my card. When I discovered that some of my money totalling {$3900.00} were taken, I reported it right away. They canceled that card and sent me another one within the next day. I had also filed a police report regarding this fraud. Two days after I received my new card, Bank of America locked it. Right before XXXX. I have spoken to their people even asked for a supervisor and they kept sending me to different department and gets hang up. Then, I got a letter from them saying that my fraudulent case is closed! I called them and asked why and they never give me the right answer. I also called them for my account statement to be emailed to me so I can send it the police officer that was assisting me with my fraud case and they never send it when I was told that it will be email to me. It's been two weeks and 3 different people I have talked to regarding sending my statement and still no email. They locked my card and I can't get my money ( almost {$9000.00} not including the {$3900.00} that was stolen from me ). At first, they said it was the EDD that locked my account but the EDD told me that it was Bank of America. I am ready to take legal action at this time because they are just having me run around the circle. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 my bill for XXXX dollars was reported as a late payment. 
I had reported to the bank that I was moving out of state from XXXX  to XXXX  to a complete new address but they never changed it in their system and did not notify me of the bill until it was too late. 
I paid off the bill as soon as I realized I owed it but they still unfairly reported the issue as a 30 day late payment and today this is still affecting my credit score and ability to pursue new credit. 
I've contacted the bank to resolve the issue but they are not willing to look into it unless a dispute is filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2020-12-31 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:
I have made countless requests to have this outdated account removed from XXXX XXXX Account number : XXXX my credit report. I have NEVER received a response from Equifax. This is a closed account as of XX/XX/XXXX, which stays on your credit report for up to 10 years since the date of the last activity. The Date of Last Activity is XX/XX/XXXX. ( see screenshots ) Negative information such as late payments or collections generally stays on your Equifax credit report for up to 7 years from the date of first delinquency. Equifax seems to keep updating this account as if this is current information. As of today, this account is 15 years and 5 months old. The Status date : XX/XX/XXXX is ( incorrect information being reported ) which will be impossible. I was XXXX XXXX XXXX XXXX XXXX. I lost all my cars and houses in XXXX. Equifax has not properly investigated the account. I want this old outdated account removed immediately from my credit file. I would like an updated copy of my credit report to reflect the deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2020-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against Experian XXXX XXXX. I have had months of call in to their Customer Service and been given a run around, abused, and had to deal with angry representatives. Today I had a conversation with Rep named XXXX and XXXX who were very agitated and upset why I was calling. Normally a dispute takes 30 days to resolve. 
I informed them that their rep who I spoke back in XXXX of 2020 told me that the collection account which is paid off and is showing on my credit report for more than 12 years will be removed. Secondly, the older accounts keep on appearing on my report, it doesn't show up for 2 years, then all of a sudden it shows up again just from few days. 
I was wanting to discuss about these, and XXXX was very angry, she said she is working from home, and is in New Years vacation mood, does not want to go in detail, she was yawning, pausing a lot, and very upset why I was calling. She further commented how good her Credit is and I am not paying my bills that is why I am been reported!! She told me that it will just take her few minutes to file a dispute " her way '' and resolve it without researching on it. She disputed on these accounts and sent me results same day without even working on it and researching just because she was ANGRY AND UPSET THAT I CALLED.

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