vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 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: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies and XXXX XXXX letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.There is False bankruptcy information showing on my report which is inaccurate. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
OAC # XXXX {$220.00}. 

OAC # XXXX {$530.00} I believe these are medical bills. I sent several disputes to this company and made several other attempts to clear this debt that is in my name. I have and I had medical insurance and I also have Medicare Part A and Part B. This is not my debt. I have been trying to clear this for years which is holding me back and causing me much pain and suffering for years. Please help so I can clear this debt from my name and raise my credit score accordingly. 

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 2021-06-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
From XXXX thru XXXX of 2021, I filed a dispute with XXXX XXXX and Transunion about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 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 2021-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
From XXXX thru XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my Experian credit report and found the following item to be in error. 

The following address does not belong to me. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We contacted our mortgage company, Select Portfolio Services, on XXXX XXXX XXXX. We asked to begin a loan retention. They agreed to help us with that. We emailed every documentation they asked for and filled out every form. They have yet to complete the process for us, stating its the underwriters fault and another companies fault. Its going on six months now. I call them all the time for help regarding this issue. I still pay them most of our monthly payment every month. I have not missed a month. I never speak to my specialist assigned to me, ( which has changed three times ). Its always a customer service operator. I have asked to speak to supervisors and have spoke to two different ones that have promised to escalate our retention as priority. This has not worked. All Im asking for is to lower the monthly payment from {$1900.00} to {$1400.00} a month. {$1400.00} is what Ive been paying since XXXX, every month. My documents clearly show that is all I can afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to reach out to investigators for prof of documentation of investigation with no resolve

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 2021-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank is NOT adhering to signed Promissory Note/Closing Documents signed XX/XX/XXXX. 

Disbursement date on simple interest XXXX was XX/XX/XXXX ( as noted on closing documents ) 1st payment was due XX/XX/XXXX covering XX/XX/XXXX-XX/XX/XXXX period from closing From first billing, interest was calculated on an erroneous billing period of XX/XX/XXXX, XXXX XXXX, XXXX ( noted on billing statements ). 
This incorrect billing period set up all future billings to cover an incorrect billing period of the XXXX to the XXXX on a monthly basis despite payments set up to be due the first of each month as in closing documents. The billing period should have reflected the XXXX XXXX or XXXX on a monthly basis ; based on disbursement/closing documents. 
This discrepancy in the billing period being used by Regions ( and not supported by closing loan documents ) set up inaccuracies in additional interest calculations on my monthly payments made and due by the first of each month which has now gone on for 4 years without being corrected Additionally, as per Promissory Note/Closing Documents ( and further supported via emails by Regions VP/branch manager/closer on loan ) additional Principal Only payments are allowed without penalty to be applied to outstanding principal balance. As noted on Promissory Note Early payments will reduce the principal balance due and may result in making fewer payments However, each month from XX/XX/XXXX to present, a separate check marked Principal Only or Extra Principal Payment Only in the amount of {$100.00} was sent in same mailing as regular mortgage payment. However, despite Regions receiving by the XXXX of each month ( due date according to closing documents ), the entire extra principal payment {$100.00} was not applied to the principal balance, but rather interest was taken out ; NOT adhering to signed closing documents. 
Despite numerous attempts to have the loan examined and fixed since first noticed in XXXX of XXXX, Regions continues to let this error go on ; effecting me financially and emotionally. They state my Principal Only payments have to pay interest first owed for the month based on the erroneous and incorrect billing period as noted above. 

This loan MUST BE FIXED with all incorrect additional interest taken by Regions ( both out of regular monthly payments and out of extra principal payments since the start of the loan ), credited back to loan to lower principal balance. 

Based on Regions attitude, one can only wonder if this type of error is going on with hundreds, if not thousands of others, who unknowingly are being negatively impacted financially while Regions is making millions off of them. Maybe Regions need to be investigated or have a class action lawsuit to make them correct their errors.

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 2021-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. 


With all three bureaus reporting different information for the balance, high balance and Account Numbers, I am unsure of which is correct. 

These reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is your responsibility to report consistent and most importantly accurate information.You as the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Our minority based business for XXXX women has taken a hit and funding based on my credit has been greatly hindered because of the inaccuracies, inconsistencies and incorrect data on my report generated by the credit bureaus. 

Despite several written requests, the unverified items of XXXX still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



Please DELETE and REMOVE these erroneous items off of my report immediately. 

Attached you will find a highlighted copy of the above referenced information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
We are currently in the process of purchasing a condo located in XXXX, NJ. The loan application with PNC bank started on XX/XX/2021. The loan officer said without any doubt that PNC can do a 45 days closing for sure. So we went with them. The scheduled closing date is XX/XX/2021. During the process, PNC bank has been asking us for the same financials and employment verification of us multiple times although we have explained to the loan processor XXXX XXXX that we have already provided the documents and she would not listen to us. When it passed the original closing date, we have been following up with the bank and our loan officer XXXX said we can close during the week of XX/XX/2021 for sure however when it came to that week, PNC started to request the documents we have sent to them multiple times. And they havent even started the condo review at all. We escalated the application and filed a complaint. The branch manager XXXX XXXX told us the worst case closing date is XX/XX/2021. And the condo review will be finished within 5 days. And she promised she will provide us a daily update however she didnt do that. They started to request further documents from our condo. We had to call PNC general phone call every time in order to contact the processors because they never reply our email and phone calls. Our seller is planning to cancel the deal because the closing date has been delayed for a month. We strongly believe PNC bank owes every party evolved in this deal a clear answer about why the condo review has been delayed for so long and be transparent about the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : XXXX XXXX XXXX  Account number XXXX -- XXXX XXXXAccount number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX i purched airline tickets with my platinum america express card. the same day the airline cancelled my reservation. on XX/XX/XXXX early in the morning i contacted an agent from amex travel and he confirmed that my reservation was cancelled by airline. i had prior reservation for the same time in may but since the price dropped for this flight i asked the agent to cancell this booking and issue the credit in a form of eticket which he confirmed. while on the phone with him i told him before he canclled my booking i want to be sure that the flight is still available. he told me to book it myself and after this he will cancel my booking and he did issuing the credit for {$510.00} each for 3 tickets. the other booking which was cancelled by jet blue and by me within 24 hours was entitled for a full refund not the eticket credit which i received. i contacted the amex travel 3 times waiting on line to be transferred to different people for 2 hours but no success. i was told that somebody will get back to me. i waited 12 hours no response. after that i was told 72 hours still no response. this is an unfair and deceptive practice toward consumers who should'n suffer due to incompetent agents. the company should provide a proper training and establish the time frame to contacting customer. needless to say that i spoke with supervisor who was also of no help and never called back. i am expecting ames to ctedit my account for {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : :XXXX XXXX XXXX Account number XXXX -- XXXX XXXX.Account number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hello I submitted a dispute letter to Equifax on XXXX XXXX I still have not received any reply from Equifax as of today XX/XX/2021. 
I also sent a letter to Equifax on XX/XX/2021 failure to comply and did not receive anything to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX I discovered someone had withdrew {$3500.00} from my Wells Fargo savings account. There were 7 withdrawals of {$500.00} each day from XX/XX/XXXX thru XXXX. The trail was from Wells Fargo to XXXX to individuals who I do not know.I had not heard of XXXX before this fraud occured. I contacted Wells Fargo Claims Assistance and reported this, I was questioned for a few minutes and was told I would be told the results of the investigation at a later date. A few days later I recieved a letter stating that " we have determined that the transactions were made by you ''. We have had that saving account for several years and the only transactions we made were deposits. The Wells Fargo rep was not in the least willing to give me any information as to where the transaction started, what XXXX was and how the transaction took my money without my knowledge or requesting any action regarding my account. I requested Wells Fargo senf me documents used by Wells Fargo to determine that I was the one who made this transaction I am waiting to get these documents. Theysaid it could be 30 days. After doing some digging I found out that one must be enrolled in the XXXX  program in order to use their services. I am not enrolled. The Wells Fargo people were rude and uninterested it even trying to hear my complaint

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