vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: Aqua Finance, Inc.
State: IL

Complaint narrative:
The XXXX  XXXX  XXXX  and their comptroller, Aqua Finance became a procrastinating protracted, civil matter which originated with a still incomplete and poorly applied incomplete workmanship regarding three shower renovation projects during the Spring of XXXXAll attempts to resolve the outstanding issues and including a professional inspection of the alleged completed and incomplete work product to observe the obvious poor workmanship was declined by XXXX  XXXX  ( guest shower didn't produce hot water because of a XXXX XXXX  installed, defective shower cartridge pressure valve, a glass shower door detached itself from its ' framing after having been installed in my basement shower, and the use of Velcro to attach several items within each of the three showers was everywhere ) XXXX XXXX  XXXX  NEVER sought to obtain the required necessary permits via any local government regulatory agency.I waited three years before I sought a professional corrective action response from the XXXX  XXXX XXXX  and their XXXXr, Aqua Finance, to no avail.I have recently had two of my three showers professionally renovated and completed ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I Consumer XXXX never entered into a consumer credit transaction with ECMC. I used my credit card as defined under 15 USC 1602 ( l ) with XXXX in 2004. Somehow ECMC has taken my credit and got a loan and has begun to violate 15 USC 1692e because they falsely represented the status of a debt.

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 2021-03-29 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: Self Financial Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Late Payment reported for Self Lender I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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:
My name is XXXX XXXX and I was a victim of ID theft. there were fraudulent items appearing on my credit report since the spring of last year and I have been trying to solve this issue with the credit bureaus but they were giving me a hard time. So I then went on the ID theft website and it has been over a month with no response or notification that my complaint was received. I was recommended to this platform to solve this issue and I am seeking assistance with this problem. These negative items are hindering and keeping me from getting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX. It has been well over 49 days and I have not received a response. 

On XX/XX/XXXX, I submitted a complaint to the CFPB. On XX/XX/XXXX I received correspondence stating that XXXX  did not believe I was the one filing the complaint. I was advised by the CFPB to call XXXX  and let them know I am the one submitting the complaint. I contacted the XXXX  dispute department to inform them and I spoke with a representative by the name of XXXX. Subsequently, I am refiling this complaint. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank has attempted to pull my credit report on two occasions when I have purchased clothing from XXXX ( XX/XX/21 ) and XXXX to XXXX XX/XX/21. I did not apply for their card and I did not consent to them attempting to pull my credit. Nor do I have any lines of credit with them. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: AZ

Complaint narrative:
We paid off two mortgages on XX/XX/XXXX to AIM loan. There were outstanding escrow balances of {$1600.00} and {$1500.00}. When the amounts were not received, we called AIM loan in XX/XX/XXXX. We were informed that the checks had been sent to an obsolete address ( we had sold the house to which they were mailed in XXXX ) and no action could be taken until 30 days from that time had passed. We called back in XXXX and were informed that we had to submit a change of address in order to receive the checks. The change of address was submitted and approved and on XX/XX/XXXX were informed that the change of address was complete and that the two checks would be sent after 7-10 days of processing time and then mail time. ( See attached email. ) When the checks never arrived, we called again in late XXXX. The customer service agent again promised these checks would be sent, but refused to promise a time frame. It is now late XXXX, more than months after payoff, and AIM loan has still not sent us our outstanding escrow balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have three collection accounts reporting on my Equifax credit report that doesn't have the Collector or Original creditor named for me to contact. I wrote Equifax previously about this matter and they have kept these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TN

Complaint narrative:
I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/GLELSI THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( EQUIFAX, XXXX, XXXX ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: PA

Complaint narrative:
Equifax has a charge off on my report for a XXXX XXXX. They are debt collectors and I never heard of them. They called me once, I demanded validation of the debt, and never heard from them again. Found the charge off when I was denied a mortgage. Filed an Identity Theft report with the FTC, XXXX, and notified the credit bureaus. Equifax is the only one who refuses to remove it- dont know why as they wont say. It isnt me, and Equifax has wrong addresses on me in its file too. 

Equifax needs to remove this bogus trade, one!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 I contacted RSI Enterprises about a derogatory remark on my credit report. I had made arrangements to pay the medical debt owed to be deducted automatically form my bank account. The final payment of {$470.00} to be drafted from my checking account on XX/XX/2021. I asked for a supervisor and I was denied to be transferred and was not given a reason. After repeated attempts I was routed to a supervisor and presented my question as to when the derogatory mark on my credit would be removed. The supervisor stated that they can not remove the derogatory remark form my credit " just for the mere fact that I had paid the debt in full '' She repeatedly stated that full payment did not mean I was clear. I had made payment arrangements and it was my understanding the balance I was paying was with the intent the collection was to be removed from my credit. I am working on a loan application and due to the point loss you acquired when this hit, it is hindering my credit and my ability to qualify for a Mortgage. Being a Veteran and having served overseas during war time and continue to serve my Country, it is unconscionable to me that a small medical collection can hinder my ability to obtain Mortgage financing especially when I had made arrangements to pay the debt in full. It is my hope that RSI Enterprises will do the right thing and delete their collection from my credit profile with the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: MD

Complaint narrative:
Credit agent Experian XXXX XXXX I have disputed a XXXX XXXX account on my credit profile with Experian 3 times for inaccurate information, they keep updating this account to recent activities..this account need to be removed immediately.

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 2021-03-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I invested XXXX and had profits in there late XX/XX/2021. I went in to change my password and on XXXX I was locked out of my account and you Have NO ONE you can REACH or call and TALK to at the company! So frustrating. On XXXX I finally get an email I can back in and all the money is gone except XXXX!! There is a potential Class action law suit someone started from XXXX with many saying the same thing they are locked out and money is gone! 
Feel free to go to XXXX and Type in Coinbase Class Action law suit. Lots of allegations on this company. All I know I want my money back and profits and an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TN

Complaint narrative:
I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/XXXX THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( XXXX, XXXX, TRANSUNION ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT 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 2021-03-30 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX reported my Wells Fargo DealerXX/XX/XXXX account with a balance. It is paid in full. They also show no data of payments made XXXX through XX/XX/2020. Prior to my dispute with XXXX it shows my payment history I made monthly payments through the no data they reported now. Ive made my monthly payments and paid account off early.

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 2021-03-29 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I entered into a person loan with BMO Harris for {$15000.00}. Due to being diagnosed with XXXX  XXXX in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was XXXX, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by BMO Harris on this loan. When I was well enough, I contacted BMO Harris and notified them of my near XXXX XXXX issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted BMO again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.

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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet.i feel like im being taken advantage of. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
I paid off my mortgage on XX/XX/2020 in full. On XX/XX/2020 Arvest Central Mortgage reported my account in foreclosure well after the account was paid off. This has been and still is affecting my credit during a pandemic. I have tired to resolve this issue but Arvest refuses to help and calls this complaint frivilious. This has affected me and my family for a very long time. They have ruined my life and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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:
on XX/XX/2021 I mailed dispute letters to Equifax, XXXX and XXXX to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please. The accounts that i was disputing and would like removed from my report are. 
XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hi i just found out today i had a special civil case against me about a debt i do not owe. I never lived at the address they sent the superior court notice to and do not know what this debt is for. The company in question is Midland Funding LLC the amount they say i owe is around 2 - 3 thousand plus for a debt owed in the late 2000 's. I know this debt is a lie because i've never lived at that address ever and i've never opened up bank accounts that are involved in this case in the late 2000 's. I want to get to the bottom of this and know what this is for so i can file my lawsuit. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I wrote a check at the beginning of the month to payoff my auto loan with Bank of America. They hadn't received the check by the XXXX. I put a stop payment on the check with XXXX ( the week prior ) and called Bank of America to payoff the loan on XX/XX/XXXX. Bank of America cashed the check ( that had the stopped payment ) on XX/XX/XXXX. XXXX failed to stop the payment and Bank of America cashed a check after I paid off the entire loan. Now my bank account is overdrawn and XXXX is refusing to provide a provisional credit and Bank of America is refusing to issue my return my funds ( although I owe them nothing ).

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 2021-03-29 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: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

Company response to consumer: Closed with explanation