vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion.

Account : US Dept of Ed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NV

Complaint narrative:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. 

A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- There are XXXX different payment status. It is also against the FCRA to publish a charge off with late payments. Equifax is reporting ok from XX/XX/XXXX to XX/XX/XXXX, then goes to 120 days late the next month. There is no XXXX day late for the previous months it jumps straight to 120. 

- Date of last activity is different on all reports. 
- Date of last payments is different on all repots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
XXXX XXXX hasnt updated my account and continues to report this account not paid when I paid the amount through their debt collection agency Wakefield and associates on XX/XX/2022. They have yet to report to the credit bureaus that this account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Consolidated Information Services Solutions, LLC
State: OK

Complaint narrative:
Inquires DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I just got out of the hospital and found money to pay my bills. I paid part of them and went the next day to do the rest. the XXXX dollars was missing. I contacted Chase and found them not willing to help. I need the money to pay bills. They had no right to take it from me. I have the printout from them showing XXXX amount. I would like them to work it out. But they will not take my calls. dates : XX/XX/2022 XXXX amount. was XXXX on XX/XX/2022. no money in there now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have been trying to purchase a short-sale property with this company since XXXX of XXXX. They keep messing up the paperwork. They aren't making this a priority. They keep saying 24 hours, yet it has been months. I'm a first-time buyer, and this company hasn't made it a happy experience. They gave a date of XX/XX/XXXX, but I still haven't closed. My information is just sitting in underwriting because this company keeps dropping the ball. I have all the emails of the lady XXXX not responding to emails as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 recently received a copy of my credit report and noticed that XXXX has been reporting my account 30 days late TWICEin XXXX for XXXX & XXXX. I dont ever recall being late on my XXXX account. I have tried to resolve this issue but no avail. I have tried to pull up my statements via their customer portal however it only shows you 13 months of statements. I have requested proof of this account being late and have not received the proper verification. As you can see the damage this is causing and continuing to cause by causing further damage to my credit worthiness. XXXX has reported this false information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
First of all My loan was sold from XXXX to XXXX XXXX. I did not know where to send payments so I saved them. In XX/XX/XXXX i contracted XXXX. And lived off of these payments. My mortgage went into foreclosure, i talked to the attorney 's office that filed the forclourse, XXXX XXXX XXXX, because I owed a low amount, I told them I wanted to sell the house and pay off the mortgage they told me this was a great plan, because of covid they couldnt forclose while I was living there. I put the house up for sell, had a buyer moved out, then they filed for forclourse with an aution and 20 day eviction. My buyer backed out. So i filed XXXX  XXXX bankruptcy. While this is going on squatters moved in, trashed house, which I then had to clean and repair, put house back up for sell. I knew I couldn't continue to afford bankruptcy. So Ive agreed with attorney to drop it. I currently have 2 offers on house for more than I owe, but XXXX  XXXX, Loan care, and the attorney 's group representing them refuses to work with me or allow me to sell it. Since XXXX I have paid over XXXX for this home, after spending over XXXX. In attorney fees and repairs Im broke, I have XXXX XXXX and working is becoming more difficult every year. I dont have rent for this month so may need to move back in home, or i will be XXXX  at XXXX XXXX XXXX. I don't understand why they are refusing to let me sell it when it would pay them in full including all the additional fees which increase by the month, and would allow me to live somewhere else. I was told that ir " might '' be because the company would make more reporting it as a loss due to covid than me repaying them 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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: KY

Complaint narrative:
Ability Recovery Services is attempting to collect {$1800.00} from me for the school XXXX XXXX for a high schooXXXX diploma program opened in XXXX. I graduated high school in XXXX, college in XXXX. I never enrolled in any high school programs with XXXX XXXX nor would have any reason to being that I am not a high school student. I have filed a debt verification request with them and they returned the info to me. This included incorrect information and this debt does not belong to me. This is ridiculous and its effecting my ability to purchase a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion. 

Account : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion. 

Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
On two different occasions the day after I received my deposit from the government someone went and pulled out the remaining money that was on my card outside from the automatic bill payments which usually leaves me around XXXX to XXXX dollars from two different banks and not the normal bank I go every month to withdraw funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
The account I'm being accused of is not mine. I'm trying to get it off my record, I'm a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NC

Complaint narrative:
Complaint On XX/XX/2022 sent out letter to XXXX via USPS Certified Mail # XXXX # XXXX My purpose of contacting XXXX was to properly address their violation of 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consume to any consumer reporting agency- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, fat, inaccurate by reporting this transaction or experience ( charged off ) on my consumer report I have all document attached that are needed for verification along with my ID and proof of address. The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and demands Resolution A proper resolution would be to remove the charge offs from my consumer report I would like to enforce my rights of 15 U.S Code 1881s-2 and opt out of the reporting of this account to any third party 15 U.S Code 6802- Obligations with respect to disclosures of personal information ( b ) OPT out These are demands and I would hope that this is handled with good faith without any adverse actions to my account as we move forward in accordance to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My husband received his taxes and sent me XXXX to get my rent paid. As soon as the money hit my Venmo account, they froze it. I've been emailing them every day more then once a day. And I don't get any answers from them. And because of it, my daughter and I are XXXX now. I honestly think they are keeping my money, but not because I did anything wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My citi bank credit card was closed in XX/XX/2022. I had never missed a payment nor have I ever been late on mentioned account. The amount I owed was XXXX which I was going to pay once I got paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act .... 
XXXX XXXX XXXX Acct # XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent is a scam. I Never took out a private loan for XXXX. Everything was federal or grants. These scammers are trying to say I owe money on a debt I never took out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act .... 
XXXX XXXX XXXX Acct # XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CITI User, We detected new login attempt from IP XXXX. If you didn't authorize this, kindly update us here https : XXXX... 

I do not have a Citi Bank account and I get these texts constantly phishing for personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
An account was opened fraudulently in my name. 
Opened XX/XX/2021 Total Amount of {$510.00}

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 2022-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XXXX the XXXX of XXXX I went to TCF bank branch in XXXX XXXX Illinois which was in the process of transferring its ownership to Huntington bank which didn't take place until later in the year. My goal was get part of my Required Minimum Distribution ( XXXX ) from my Traditional IRA payable to an approved charitable organization. 

To my surprise in late in XXXX of XXXX I was calling Huntington bank the new owner of TCF bank to find out where my 1099 INT form for interest so I could fill out my income tax. 
I was shocked to see a Certificate of Deposited showing {$61.00} interest as the only CD I had at the Bank was an IRA CD. I called Huntington bank to try to get this corrected and get a corrected 1099 INT they would not let me talk to the IRA department said they would research it and get back with me. After 2 weeks of waiting I did not hear from them so I called back and was told that it was a savings account no not an IRA account. I knew they were wrong so I did my own research in my documents and found all the documents needed which I took to the XXXX XXXX branch of now the Huntington bank talk to the assistant manager because the manager was not there she called the IRA department and they wanted my documents scanned for them to look at in my research I find out that I was charged a {$400.00} fee to take my required minimum distribution which is absurd. I need {$400.00} refund of the fee as there was no explanation of fee at time it was taken from my proceeds of my RMD and a corrected 1099 INT as Traditional IRA interest is not reported on 1099 INT. I can not believe the money grab and the total incompetence of a Financial institution!

Company response to consumer: Closed with explanation