vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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:
XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on Equifax. Also on XXXX it considered a negative account that I never made payment on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: AZ

Complaint narrative:
on XXXX I sent out a letter to all 3 credit bureaus letting them know I was unaware of there collection. they are affecting my score and by law the bureaus have 30 day to respond back. I not got any response and do not believe that these collations belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I made a previous complaint about a closed account on my credit report that Experian refuses to remove even though I submitted a letter showing this item was suppose to be removed. That was the agreement for payoff. In their response Experian claimed this is not on my account but I have a screen shot showing it is and a letter from XXXX agreeing to remove it.

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 2022-01-27 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: FL

Complaint narrative:
Experian offers free credit report. As well as XXXX  and other credit cards. I use XXXX  normally but replied to experians offer. There was no limit or trial. 
Then they try to charge monthly fees. I tried reaching them by responding to their email that requested me to update my payment. 
No avail. I contacted them online at their website. On my yo he made to login with my full ss nimber a user name and pw. Still no success. I tried calling experian. Only led by a computer voice given three options on how to pay. No customer service option no matter what I did. 

I believe this is a big problem. Please let experian know they need to let go of consumers.

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 2022-01-27 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: CT

Complaint narrative:
YOU ARE IN VIOLATION!!!!! 

EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction whis states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. 
Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX is allowing inaccuracies to be furnished on my consumer report. This act of XXXX XXXX has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for deletion of said disputed item ( XXXX XXXX XX/XX/2021 ) and paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. 
Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OR

Complaint narrative:
I believe I received an email or notification when I logged into my KeyBank Checking account that if I opened a savings account with at least a {$10.00} I would receive a {$35.00} bonus. I opened a KeyBank savings account on or around XX/XX/2021 with the first ( and only ) deposit of {$50.00} deposited on XX/XX/2021. I never received the bonus. I went to the XXXX, OR branch on XX/XX/2021 and asked why I didn't receive the bonus. The clerk didn't know and called corporate. I don't remember the reason I was told why I didn't receive this bonus, having just been told that I didn't receive the checking account bonus either. I just remember thinking that these promos were all deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Several times this week, I started receiving a call from an unknown number. I called the number and was told that it was in reference to a personal matter. I asked for the company name and was informed it was a company by the name of Convergent. While speaking with the representative, I looked up the information on the website. It was at this point that I realized that I have spoken with them several times over the last 2 years, inquiring about several different people ... .none of whom I knew. When I asked how they received my number, they hung up the telephone or said hold on and never would return to the telephone. After calling several times, I was told that they were in error and that my telephone number was taken out of their system. As of this week, the calls have resumed. When I asked to speak with a manager or supervisor, I was again placed on hold. When I hung up and called back, there was a message stating that they were closed. This same company continues to contact me with various names and from several different telephone numbers. I am once again blocking this telephone number, but it's just a matter of time, before they start again, from another number. 

Convergent clearly needs to be investigated and stopped. The random calls to unknown individuals, is absolutely ridiculous. They have given at least 4 different names over the last 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.

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 2022-01-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is knowingly and willing report information derived from a medical or health care provider which is violation of [ 15 USC 16819a ( 3 ) ( a ) ] on EQUIFAX company website under " Classification of creditor '' it says " medical or health care provider ''. This organization is aware of the derived medical information. Also this debt was deleted in XX/XX/2021 and reinserted XX/XX/XXXX, XXXX today is XX/XX/XXXX I haven't received any written notification nor any new verification of debt. This is violation of [ 15 USC 1681 ( B ) ( i ) ( ii ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a retired XXXX senior citizen and resident of XXXX XXXX, California. 

I refinanced my house with Bank of America ( BofA ) in XXXX and closed the new loan on XX/XX/XXXX. At the initial purchase of the house in XXXX, I qualified for the Mortgage Credit Certificate from the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ). 

I have qualified for reissuing of the Certificate upon refinancing because the application and fee payment have been submitted within 365 days of closing of the loan for past refinances. However, after the last refinancing, the BofA Loan Officer, XXXX XXXX XXXX, never submitted the application despite the guideline specifying to do so within one year of closing and several requests. 

XXXX advised me to send the fee of {$800.00} directly to the XXXX in XX/XX/XXXX, and I complied. However, its her responsibility to submit the application and as of today she isnt explaining why she didnt do it within the timeframe. Her later responses are vague and only explaining whats the purpose of the certificate. Explanations that I dont need after 11 years of claiming the credit on my returns. Losing the benefits of the certificate and the {$800.00} fee payment would be devastating to my mental health and current financial situation. 

I feel this is negligence and racism for being XXXX and a senior citizen. 

Please assist me with obtaining my potentially lost Reissued Mortgage Credit Certificate ( RMCC ).

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 2022-01-27 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:
XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on XXXX. Also on Experian it considered a negative account that I never made payment on XX/XX/2021.

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 2022-01-27 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: TX

Complaint narrative:
I am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IN

Complaint narrative:
On XXXX I received a XXXX  bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. On the statement it stated that I have until XXXX XXXX to this dispute. 

I looked on my credit report on XX/XX/XXXX they reported on collections without giving me a chance to dispute this according to the XXXX XXXX 

This is violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
They claim I activated an XXXX Rate Sale offer with a promotional rate through XX/XX/22. I did not do this. I would like to see proof and the details of this offer. 
It has affected how they processed my payments on balance transfers.

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 2022-01-27 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:
Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time Bank of America gives to XXXX  ( 2x now since XXXX ). XXXX puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames Bank of America for not giving them the info and telling me I need to request it to be removed which can take 30 days. and Bank of America says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX  XXXX XXXX gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, XXXX in XXXX. I did NOT reaffirm this debt yet every time XXXX XXXX XXXX gives to XXXX ( XXXX now since XXXX ). XXXX puts on my credit report, Currently only showing on Equifax. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX  XXXX XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: NC

Complaint narrative:
On XXXX XXXX an account was posted in collections on my credit report in the amount of $ XXXX.The collection company, Mountain Run Solutions , has stated to XXXX, the account was opened on XXXX XXXX, XXXX. I was informed by XXXX a debt was incurred in XXXX, however I am not listed as part of the debt, past or present. The debt was filed as a joint account. I have reached out to the collection company, and filed a dispute with XXXX, to have the inaccurate information removed. XXXX completed the investigation of the dispute on XXXX XXXX, XXXX, concluding the information reported, is accurate based on information from the collection company. XXXX did not contact XXXX for any documentation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with Truist Bank with an initial deposit of {$50.00} which was debited from my account from the former SunTrust which was acquired by BB & T to form Truist A few weeks later I tried to login but was locked out of my account by truist I then called to see what the issue was I was told that it was closed due fraud which could not have been so I called a day or two later and was told I needed to sign a signature card which i needed to retrieve from a branch the issue is I live in XXXX XXXX XXXXXXXX and the closest branch is in southern New Jersey which is out of the way I asked could it be emailed to me and faxed they said no theyve been assessing account maintenance fees to the 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 monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery associates has repeatedly robocalled called my cell phone number daily for the past 3 weeks or more. They are trying to reach another person who I am not and have no association with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax as falsely removed active accounts from my credit profile thereby reducing my credit from a XXXX to a XXXX credit score. 

Equifax removed my XXXX XXXX  account with a {$20000.00} credit limit 0 balance, ( 2 ) XXXX XXXX accounts and ( 1 ) XXXX XXXX account. 

This company will place these accounts on to my credit profile after I have made a complaint to the CFPB but then remove them again 2 to 3 months later. 

It is my intention to also file Federal action against them for illegal credit practices.

Company response to consumer: Closed with explanation