vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this

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 2021-01-28 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: DISCOVER BANK
State: TX

Complaint narrative:
Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to Discover, 2017 Sheriff 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently inXX/XX/XXXXin Mississippi for forgery and false pretenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: IL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/2020 our mortgage was transferred to mr. cooper ( nationstar ) .Our 2020 tax bill was to be paid when escrow was transferred over.It is now almost the end of XXXX and the tax bill still has not been paid by them.I have called 4 times and emailed 3 times trying to get this straightened out with no progress.In the meantime our county keeps adding fees onto the original tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
Equifax failed to investigate properly dispute of incomplete and inaccurate items submitted XXXX XXXX, circled on attached XX/XX/2020 credit report alleging creditor verified information is correct. 
Status states account " over 120 days past due '', when I search for amount past due there is no amount and a XX/XX/XXXXbalance. 
I have called and spoken with representatives that clearly see the inaccuracy but refuse to comply and remove the inaccurate record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are XXXX XXXX, XXXX ; XXXX and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.

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 2021-01-28 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: ND

Complaint narrative:
I had a secured credit card through Capitol one, to try and build my credit up. I have tried making several payments on different occasions, and they would be returned as NSF, even though the money is on the account. I tried making a payment out of savings on XX/XX/19 and before it had time to process, they closed the account. The only thing I wanted was to pay the bill and now I have a bad mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NC

Complaint narrative:
On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my Equifax Credit File. I immediately logged into My Equifax and saw a posted Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting XXXX, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with XXXX. 

I filed a dispute with EQUIFAX to remove this erroneous inquiry but EQUIFAX simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to XXXX. 

I am requesting that Equifax DELETE this erroneous inquiry which according to XXXX does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NY

Complaint narrative:
Equifax, XX/XX/XXXX and XX/XX/XXXX have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TX

Complaint narrative:
Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to XXXX, 2017 XXXX 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently in XX/XX/XXXX in Mississippi for forgery and false pretenses.

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 2021-01-28 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i havent recieved any investigation results.

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 2021-01-28 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a package delivery from Amazon on XX/XX/XXXXthat I did not order. I called Amazon the following day to report the package with all pertinent information. Amazon examined my standing account with them and determined my XXXX card on file was not used for this purchase and via letter, told me the product was mine to donate. I tried to get a return label to send back as I had no interest in this product. Two days later I discover my Chase Visa was charged for this product which I have never used for any Amazon purchases. I called Amazon again, to dispute and asked again for a return label. Again I was told my account was safe. I disputed the charge with Chase. They promptly removed the charge and issued a new card. I tried Amazon a third time for a return label and I was told that fraudulent account was suspended and they could not issue a return label. Chase in XXXX reposted the charge to my visa. I called and the position they took was I received the product, therefore I had to pay for the product. I questioned Chase 's investigation and sent to the Fraud Department all of the documentation sent to me from Amazon along with my purchase history and verification of my XXXX XXXX on file. They promised to re-investigate and this week sent a letter that the charge will stand. I called Amazon once again to request a return label, I don't want the product and I don't want to pay for the product that I have no interest in dealing with a donation nor sale of the product. 3 Phone calls with Chase, 5 with Amazon and I am still on the hook for a system to build a super gaming system that sold for {$410.00}. I have no resolution and feel both Amazon and Chase are to blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
Most recently ( XX/XX/XXXX ) a payment was made to Hunter Warfield against threats of legal action by two male reps within this companies Legal Department. I made a payment of {$170.00} plus a processing fee of {$9.00} on XX/XX/XXXX using a credit card to begin payments. However, as I have complained to the company itself the debt account is for 3 individuals total. I assume due to being the only one calling to attempt to settle the debt I was harassed and forced to make such large payments. I have requested the company afford me the opportunity to set up payments each month for {$50.00}, but Customer Service would not assist claiming I had to pay the minimum ( at the time ) of XXXX. I was unable to do so and that is why the debt went unpaid until XX/XX/XXXX. I truly want to repair my credit and get this debt paid off. My complaint to you is that as one of three people I cant truly afford XXXX a month. I have other debts and its a strain on paying my regular cost of living expenses. Nothing luxurious just referring to my rent, gas, lights, and water. The luxurious bills of any are phone, cable, internet, food, etc. I am seeking assistance from a third party as I only want Hunter Warfield to assist me and allow me to pay {$50.00} a month for now. I set up a 6 month draft for XXXX/mo plus the XXXX processing fee due to the Pre Legal Departments threats to take further legal action. As a single parent of XXXX  XXXX  I can not afford to let my check be garnished or any other actions that may occur. I tried emailing and making phone calls to multiple people with no response. Those individuals are XXXX XXXX, the support services email, an XXXX email address provided in response to a bad XXXX review I posted, and a number ( XXXX ) provided on the same bad post reply. All the emails end XXXX. Again, I would like a fair payment arrangement for myself as I am not the only one on this account and the times I have attempted to speak with the Pre Legal reps ( all males ) I have been laughed at for requesting the opportunity to pay {$50.00} and/or had very rude reps to the point I did get upset and argued with them as I felt I was being bullied and disrespected. 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 explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For several years now I had submitted multiple letters of dispute to XXXX XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.

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 2021-01-28 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: NJ

Complaint narrative:
For several years now I had submitted multiple letters of dispute to XXXX XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: AE

Complaint narrative:
In XX/XX/XXXX I received a collections notice by mail from Southwest Credit ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ; XXXX ) for a bill of {$170.00} that it alleged I had not paid to XXXX in XXXX of XXXX. 

I called the above number to inquire what the debt was for and why XXXX and/or Southwest Credit had waited more than two years to seek to collect it. I also asked why no one had tried to call or email me earlier. The Southwest Credit employee told me she didn't know what services I had allegedly received, nor why XXXX never contacted me. She could not tell me when her company had purchased the debt from XXXX. In short, all she knew was that I owed {$170.00}. She said that my choices were to pay {$87.00} as an " offered amount '' or have my credit harmed. ( For context my credit is XXXX and I've never failed to pay a debt. ) I checked my records and thankfully found email proof that I had cancelled my XXXX account and settled all outstanding charges in XXXX of XXXX. I asked why Southwest Credit was seeking to collect the fictitious debt. She said the issue would " probably go away '' and they would confirm their letter was an error. 

Approximately three months have elapsed and I have not heard from Southwest Credit. I am seeking two things : 1 ) An apology for their having tried to strong arm me into paying a bogus debt ( about which they had virtually no detail and had made no attempt to verify ) ; and 2 ) Written confirmation that Southwest Credit considers this matter closed. 

Many thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NY

Complaint narrative:
XXXX, Transunion and XXXX  have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had opened two custodial accounts with TD bank for my two kids back in the late nineties, As as XX/XX/XXXX account # XXXX had {$67.00} As of XX/XX/XXXX account # XXXX had {$4100.00} About three months ago I went to withdraw money from the accounts and was told that they had been turned over to the state due to inactivity, but going on the State of CT. website i discovered that they had not been turned over. 
This is from the TD Branch in XXXX, CT. 
Ever since then I have been given the runaround first by the assistant manager XXXX XXXX and about two weeks ago by the manager ( I did not write down her name ), who said that the money would be available the following day in the form of a check. 
When she did not contact me to pick up the check I called and left a message. This was on or about XX/XX/XXXX. She has to date not returned my call nor has she refunded the money I had in the two accounts totaling {$4100.00} plus accrued interest. 
I have been advised that these two accounts are no longer in the system but I do have the passbooks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
Please update all of my personal information on XXXX, XXXX, and Experian.

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