vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: CT

Complaint narrative:
Complaint against : XXXX XXXX XXXX, XXXX, Equifax and XXXX  I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ).

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C.

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I made a {$300.00} Zelle transfer thru XXXX XXXXXXXX XXXX App. The person I was sending money too was named XXXX and his email was XXXX. I was ordering a XXXX XXXX XXXX XXXX from him. Once I sent him the money he told me he would mail it out first thing on that following Monday morning and that he would send a confirmation email plus tracking number. Since that day I have not heard from this person, he is not responding to my texts, he has not returned my calls, nor answering my emails. Oh boy, I think I was scammed! I have already contacted Zelle and my bank 's recall team but they said they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have incorrect information on my Experian credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Experian has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted 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 explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: MD

Complaint narrative:
Company name : SoFi I am trying to close on a refinance mortgage loan with SoFi. I have requested accommodations for an e-closing and hybrid closing due to the COVID-19 pandemic, but the company has refused to accommodate the request. They have not provided information as to why. Per XXXX XXXX and XXXX XXXX guidance, these accommodations should be allowable especially given the circumstances. These are unprecedented times, and I would like to reduce time and contact with the notary. If this will not be allowed, then I would like an explanation as to why. I requested this information multiple times, but have yet to receive an explanation as to why. 

Here is my request time line with SoFi. All requests were and responses were done via e-mail : XX/XX/XXXX - Requested information on e-closing XX/XX/XXXX - Denied request for e-closing by XXXX XXXX XX/XX/XXXX - Requested a hybrid closing XX/XX/XXXX - Told that hybrid closing option " may work '' by XXXX XXXX XX/XX/XXXX - Told by XXXX XXXX that they are still looking into the hybrid closing option XX/XX/XXXX - Requested hybrid closing again to XXXX XXXX, XXXX XXXX, and XXXX XXXX   XX/XX/XXXX - Told by XXXX XXXX that they will continue to look into the hybrid closing option. 
XX/XX/XXXX - Informed by XXXX XXXX that this accommodation was denied. No explanation was provided. 
XX/XX/XXXX - I requested further explanation as to why this accommodation can not be made, but no response has been given and closing is next week. 

**Expected closing date is XX/XX/XXXX - I would still like to have a hybrid closing completed. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
I have incorrect information on my Eqifax  credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Equifax has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CT

Complaint narrative:
Complaint against : XXXX XXXX XXXX, XXXX, XXXX  and Experian I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} XXXX {$8400.00} XXXX. This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. 
THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a check into my checking account and for some reason the check was being Questioned I had someone from the company I work for in the payroll department call the bank to verify the check. 

the information was verified but someone from the security team at the bank did not lift the freeze off my account I've been really having a hard time with the associates that works for the bank and they are very rude constantly keep asking me the same series of Questions just making my banking experience very horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
I am requesting that Transunion send the documents they have on file that proves the validity of the accounts. If Transunion is unable to provide substantial proof of verification I would like the inaccurate and unverified accounts to be deleted 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 explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Account is my fathers as the bill they just sent proves. He filled bankruptcy in 2018

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
It is really sad that in times of Crisis due to the COVID19, Strangers help each other, Corporations provide assistance, but I work on a " FULL COVED19 UNIT '' @ a Hospital in FL, ON THE XX/XX/2020 my Card was Lost/stolen, someone took {$440.00} from my Checking, and REGIONS send me a letter saying they investigated and they are not giving me a cent of my loss Money. I put my Life at risk every time I go to Work because I need to pay my Bills, a Bank is suppose to Protect your money.

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 2020-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE

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 2020-04-24 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE

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 2020-04-24 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Primary Financial Services L.L.C.
State: AL

Complaint narrative:
This is XXXX XXXX I am struggling right now to make my house payment sense the COVID 19 we have been on short time not getting overtime at work not even working a full week now and soon we might be laying off. I got a letter from my mortgage XXXX saying I owed for XXXX and XXXX in the amount of XXXX that amount includes XXXX late charges and XXXX in other fees as noted. They said partial payments would be returned!! They said they were trying to help me but how when they are still charging me late fees?

Company response to consumer: Untimely response
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am applying for XXXX and other loans. I need my experian credit account unfrozen. XXXX will be checking my credit. I sent a letter with copy of social security card, my drivers license, and a bill last week. They have still not removed the freeze and there is no way to contact them via phone.

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 2020-04-24 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: IL

Complaint narrative:
Been in contact with Experian for almost 7 years to get information reported corrected they are reporting 6 accounts in error I have called, wrote letters, had companies call in and submit documentation to support claim and Experian refuse to update the following account reporting errors. XXXX, XXXX and XXXX accounts were always paid onetime never late both companies have written letters to Experian to have late payments removed and they have refused to removed late payment entries on these account ; need the following late payments removed : XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. In addition to refusing to remove late payments they are fully aware that I am a victim of Identity Theft ; notarized police report, notarized identity theft affidavits, and letters from the companies themselves stating they did investigation and found that the accounts were not mine they copied me and sent the letters into credit bureaus as well and again Experian is the only bureau the refused to remove the following accounts in fact not only do they still report every month they update with new late payment/closed/charged off account which is making my credit score suffer a great deal. The following accounts need to be removed and blocked immediately : XXXX XXXX XXXX a total of 3 accounts ) and Timepayment. These 7 account reporting in error are making life very challenging especially with COVID-19 I can not obtain lines of credit or increases due to poor credit reporting. I am like the rest of world laid off with no income awaiting the government to send some assistance but until then I have to rely on family members and credit to survive and Experian is making it challenging due to their refusal to update/ remove the above mention account reporting.

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is another manifestation of complaints made already XXXX, XXXX, XXXX. 

My account was overdrawn by Bank of America credit card department and they said they would refund the {$940.00} to my checking account. My account balance was negative $ XXXX. 

Today ( XX/XX/2020 ) I deposited a cheque I received from XXXX for {$3500.00}. 
Immediately I got a call from Bank of America saying they are closing my account for business reasons. 

They were asking about another number I have XXXX XXXX XXXX which is a virtual number and I use it only while traveling outside of the country to receive text messages / calls if needed. 

Their system seems to recognize that as the only number to call. 

My primary mobile number is XXXX XXXX XXXX. I tried enabling fraud alerts on that number as I noticed that it is disabled. The website would not allow me to modify the number. 

Since they are closing the account they say the money I deposited will not be available for 7 to 10 days. This is completely unfair. 

Moreover, I have made numerous cashiers cheques using that account. I am attaching the details. Bank of America must return any money that was not en-cashed by the cashiers cheque holders back to me.

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 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 explanation
Consumer complaint received 2020-04-25 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: OH

Complaint narrative:
XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2020-04-25 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 was victim of identity theft and I filed a police report and sent it over to Experian twice in the last 60 day. Experian has yet to remove the information and I also heard nothing from the credit agency or data furnisher.

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 2020-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I closed my account XXXX {$2000.00} paid balance in full {$430.00} Was never late! for 4 years .Not only did they add a dollar after closure in the month of XXXX on a closed account they are reporting me 60 days overdue with {$100.00} in oustanding fee balance

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 2020-04-25 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: OH

Complaint narrative:
XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XXXX   XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: OH

Complaint narrative:
XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  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 explanation