vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: MI

Complaint narrative:
Working hard to pay off debt. XXXX and XXXX scores moving up. Equifax decreased my score by 25 points. Inquired about changes. There were 8. One card increased my credit limit. 7 credit cards had decreased balances. Equifax continues to decrease my score with out merit. Equifax should be responsible and accountable for decreasing Anyones score without fact based reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: GA

Complaint narrative:
I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX and XXXX  and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount Portfolio Recovery XX/XX/2017 {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Claim XXXX was submitted to Capitol One regarding unauthorized charges on my account. On XX/XX/XXXX Capitol One reversed the credit issued stating the charge was valid. The charge of {$820.00} posted to my account on XXXX XXXX. On XX/XX/XXXX Capitol One issued the temporary credit for {$770.00} ad the charges should have been {$41.00} as per the merchant, Code XXXX XXXX. Capitol One was provided a copy of my drivers license and a itemized receipt, along with a signed copy of the debit card receipt. The signature is clearly NOT my signature. This is clearly evident as per the signature on my Drivers License and card receipt. The merchant never provided me with an itemized receipt or a debit card receipt. They stated the machine was broken. This is clearly fraud and Capitol One has an obligation to conduct a proper investigation and protect their customer. 

Last message sent to Capitol one on XX/XX/XXXX and have received NO response : I am writing again to request a copy of my SIGNED debit card payment receipt. I received the documents previously provided by Capitol One, none of which have my signature indicating my agreement for the charges. 

The establishment in question took my debit card and ID upon entering. Upon asking for my check, I was shown a handheld card reader machine with an amount and told it was in XXXX pesos. Nothing else was provided. 

The merchant CODE XXXX XXXX, requested to copy my identification and swipe my debit card upon entry into the establishment, and again when I requested to pay the charges. I was shown a handheld terminal screen and told the amount was in XXXX PESOS, not US dollars. 

The itemized receipt you provided is not a representation of what I ordered in the establishment. 

This is XXXX and I expect Capitol One to resolve it. I have no way of contacting the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Credit Card services has inaccurate information about me owing past due credit card balances in which the the debt does not belong to me. The address and phone number on the account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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:
I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and Equifax and XXXX and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/2017 {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: GA

Complaint narrative:
I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX  and Experian and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/2017 {$770.00}

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 2021-04-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I had a medical debt with XXXX XXXX that was sold to Medical Data Systems for {$1900.00}. XXXX XXXX agreed to settle for 20 % less but I paid off the remaining 80 % in full last month. I started a dispute when it was reported unpaid after the 80 % payment. During the dispute, Medical Data Systems responded by reporting back to the agency that {$380.00} is still owed. That is incorrect because the hospital settled for an 80 % payment. Experian closed it out with no counter-response from me and it appears as though the balance is still owed. I do no owe {$380.00} because XXXX settled. Please help with this. I am being treated unfairly. MDS doesnt accept partial payments so Im not sure how owing them {$380.00} of the {$1900.00} is possible. They also do not provide receipt of payments, only confirmation numbers so there is no real receipt I can provide to prove I paid the adjusted balance in full.

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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I started a claim with my bank on the XXXX of XXXX about unauthorized transactions for the total amount of XXXX $ from XXXX XXXX. My bank informed me that it was indeed unauthorized and they would return the funds to me. Upon reading my claim I saw the bank had a charge on it that I told them to not include in my claim over the phone, some how it still made it to my claim. That was for my rent I paid to my landlord. So in order to stop my landlord from being back charged I again attempted to remove the XXXX $ transaction from the claim. I am aware it takes 48 hrs to update. I call every day and get lied to and told my claim is done and funds are on the way. But they never came. Call back in after 48hrs, talk to a rep who tells me due to a computer error all 30 unauthorized transactions would be closed instead of the single 1 I chose ... ..any way they say it's OK we will send the credit today and expedite it. Credit still has not hit my account and that was 3 days ago! Today is XXXX Please help me! I feel like My bank ( wells fargo ) is trying to get away with not giving me that XXXX $ back!

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 2021-04-02 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have contacted Kia Motor Finance going on 2 years to report my loan account information to the credit bureaus. No information is on my credit for this loan. I have also contacted XXXX who can not get a response either. I have been told numerous times it will be reported but it never happens.

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 2021-04-02 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: TX

Complaint narrative:
I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Transunion reported XX/XX/XXXX on the date of last activity, while XXXX reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any 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 2021-04-02 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: TX

Complaint narrative:
I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX reported XX/XX/XXXX on the date of last activity, while Equifax reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
XXXX is trying to collect on a debt that is time barred and more than twenty years old I have never made payments on this debt and I never will this is stolen credit card I have already been to Civil court with the original creditor XXXX and met with them and a mediation attorney the case was closed back then I believe XXXX   XXXX XXXX was collecting for them and this was in XXXX I do not want XXXX to contact me any more I have disputed this debt again in XXXX and every now and then they find me and send me another letter asking for payment on a debt that isn't mine the last letter was sent to my new address the letter is dated XX/XX/XXXX this is rediculous and they need to stop this once and for all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MS

Complaint narrative:
I have a home mortgage with XXXX ( Loan # XXXX ). My property taxes and insurance were escrowed at my request. On or about the first XXXX  XXXX I notified XXXX that my property taxes had been significantly reduced and my escrow collection was to be adjusted accordingly. I supplied them with a copy of the new assessment letter. 

I heard nothing from XXXX and was informed, via their website, that any attempt to inquire as to the status of this request would result in further processing delays. Next I received a notice from XXXX telling me my escrow collection amounts would be increased as XXXX needed a cushion. I called customer service to see if I could rectify this. They were no help. I then requested the escrow service I requested be canceled and any funds be reimbursed to me. I further asked for a specific date by which this would be completed. 

I received a vague response from Homepoint stating they had approved my request along with an obtuse reference about needing to maintain an escrow account in case I missed a tax or insurance payment. 

Today I received a " bill '' for my XXXX mortgage payment not adjusted to reflect the lower tax amount and the escrow increase made without regard to the aforementioned tax reduction. 

As of this date I have send 5 requests to XXXX, including a copy to their CEO, asking this issue be addressed. What I have asked for is for them to cease escrow services on my behalf and refund any excrow balance to me. I sent a 6th request today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
This appears to be a resuraction of Claim # XXXX dated XX/XX/XXXX for XXXX XXXX XXXX It involves {$30.00} claimed by XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX acknowledged debt was not owed and cancelled claim. XXXX XXXX XXXX internet was canc elled XX/XX/XXXX and {$30.00} paid XXXX XXXX XXXX wants full bill paid even though XX/XX/XXXX of {$60.00} total even through services were not used. 
XXXX XXXX XXXX just farmed claim out to another agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MS XXXX Phone XXXX On XX/XX/XXXX I spoke by phone with a XXXX at XXXX at XXXX XXXX I asked for copies of ALL paperwork relating to claim She said she had NONE It is their Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XX/XX/2021 Attempted to transfer funds between accounts, but was denied access. They also arbitrarily closed my checking account without notification. When I asked why they were attempting to collect a debt. I am a XXXX retired female who has limited income. I specifically requested the checking account last year and was using it. I believe their actions are illegal and discriminatory against XXXX retirees. I have notified my attorney of this action, Help Is Here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NC

Complaint narrative:
The company reported an account improperly to my credit without first notifying me to resolve the issue. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The companies accessed my credit without my consent : These lenders have accessed your credit file : XXXX National Credit Card Cos. 
Inquiry date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NC

Complaint narrative:
Company which is XXXX XXXX XXXX account number XXXX used my credit to report improper information to report information to the credit bureau in the amount of {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following companies used my credit without my consent : XXXX XXXX, personal Inquiry date : XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX 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