vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: PA

Complaint narrative:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Date Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance {$310.00} XXXX XXXXXXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00} XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX I received an email from PayPal saying they had taken {$500.00} out of my prepaid Visa credit card with XXXX. I never authorized any payment to XXXX for XXXX This is lies and scam. But I lost the {$500.00} anyway. I called many times but no one ever answered. The Invoice Number is XXXX. I called the no. on the email XXXX XXXX and PayPal directly XXXX XXXX XXXX without any answers. Scam, scam, scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft PENNYMAC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ALLIED MORTGAGE GROUP
State: FL

Complaint narrative:
I received my escrow analysis in early XXXX from my mortgage company ( Allied Mortgage ) which indicated a shortage of over {$4000.00}. This was not only due to a {$1000.00} increase in my hazard insurance ( which is beyond Allied 's control ) ; but also due to them not collecting enough at closing. This shortage increased my payment by over {$300.00} a month. I understand things happen ; however I am terribly concerned that I will not be able to pay my mortgage. I reached out to Allied Mortgage on XX/XX/21 requesting the shortage be spread out over 4 or 5 years. They advised me that they will submit a request to the investor ( FHA ). I have been following up with them at least once a week requesting updates. With each call I get a different answer. Some representatives indicate this request does not require approval and others say it does. Each representative promises to call me back within 48 hours ; however none of them do. During my most recent call today, they advised me that they have reached out to me. This is absolutely not true ( I confirmed they have the correct contact information ). I received one call from them several weeks ago around XXXX in the evening ; but they hung up before I could answer ( two rings ). My mortgage is now 6 days past due and I still do not have any answers. I filed a complaint with the CFPB about this company earlier this year as they did not pay my taxes and insurance in a timely fashion which caused my insurance to cancel. I have never experienced such ineptitude.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: IL

Complaint narrative:
According to XXXX XXXX XXXX states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: UT

Complaint narrative:
they had misspelled my email, it is XXXX and not XXXX. I also have multiple accounts with Discover and their app doesn't allow a user to view more than one account. To my knowledge I had not used the card so I never checked that account and since I wasn't notified of a payment due I had no way of knowing that there a subscription that had been placed on that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.

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 2021-08-06 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: MO

Complaint narrative:
Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.

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 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
This company gives me a different tune every time I call to pay my bill. I haven't paid because I do not trust giving my information and having them take money when they want. This is old debt anyway. I don't have money right now because of this worldwide crisis that is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
In XX/XX/2021, my new mortgage servicer, Flagstar Bank, sent a letter stating that my homeowner 's insurance was not up to date and that I needed to submit documentation of the insurance. This was after my mortgage was sold/transferred to Flagstar from a previous servicer. I submitted the requested information on XX/XX/2021 showing that my HO6 homeowner 's insurance was active and up to date. I received an email stating that my submission had been received, and no further communication from Flagstar. 

In early XXXX, I learned when checking my account online that on XX/XX/2021 Flagstar charged my escrow account {$2300.00} for " Wind Insurance '' from the provider " XXXX XXXX XXXX. '' I have never received any policy documentation or explanation of the charge. 

I called Flagstar Bank on XX/XX/2021 to ask what this charge was about. The representative stated that the files indicated that the " Master Policy '' from our Condo association appeared to have expired and that this " wind insurance '' charge was to account for it. I immediately sent Flagstar the Condo policy, which was not expired. That policy year runs until XX/XX/2021 ( it has since been renewed ). 

Despite the fact that the condo policy was not expired, and I acted speedily to comply with all the document requests from Flagstar, they have not rescinded the inappropriate {$2300.00} insurance charge from my escrow 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 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 {$43.00} This collection agency is reporting on my credit report fraudulently and is assumed to be as a result of communication abuse and fraud. According to 15 usc 1692g I am requesting a copy of any document bearing my signature with blue ink stating that I agree to pay any debt. I do not know where this account came from nor do I validate it. It is not valid and is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alternative Collections LLC
State: VA

Complaint narrative:
Alternative Collections, LLC, which also does business as Alternative Collection XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Check Recovery, LLC
State: NC

Complaint narrative:
I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate

Company response to consumer: Untimely response
Consumer complaint received 2021-08-06 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 ask 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: MS

Complaint narrative:
XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
In XX/XX/2020 I visited XXXX XXXX and was subsequently billed for my visit. After subtraction of insurance paid portion, I was then put on a payment plan with the hospital, which I am currently paying for as of this date as well. In XX/XX/2020, the hospital was hacked in a breach and patient information was taken. A couple weeks after being notified of the breach by the hospital, I received a fraudulent bill in the mail. It contained similar services but inaccurate charge amounts for each service. I alerted XXXX and they confirmed that the only money I owed to them was from the online payment account i have with them and was told to ignore the fake bill sent to me by a third party. In XX/XX/2020, my credit report showed that these chargers were sent to collections. The inclusion of this item on my report is against the law. I have sent many letters requesting verification of the charges. My request go ignored and they continue to report this fraudulent debt to the credit bureaus!! After submitting a dispute with XXXX  they determined that it was fraud and took it off my report but the collection agency continues to report this fraudulent debt to the XXXX  and XXXX. These two agencies refuse to look into the matter and tell me to contact the collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Good Afternoon Back in XX/XX/2021 I tried to make a cash advanced {$2000.00} + {$60.00} Serv Fee on my credit card to my bank account, apparently was done the wrong way and the money. 

The credit card number is XXXX XXXX PenFed, I submitted various request for information and they informed that because the bank never received the payment, I still have to pay for the {$2000.00} even that i never received in my account and is holding my credit line. 

The only response the I got was back from PenFed in XXXX and they are waiting for the bank to reply and denied the funds ( XXXX XXXX XXXX XXXX  ) it may take between 4-6 weeks since my first complaint in XX/XX/2021. 
Can you help me resolve the issue Thank you 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
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received no updates. Not once did I get any letters or were there any updates made to my credit file. There are serious inaccurate items that need to be removed. I have attached the latest letters sent but there have been more.

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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On Saturday XX/XX/21, I received a text alert from Chase Bank, which I am signed up to receive, for potential fraud on my account in the form of wire transfer of {$2000.00}. I replied NO to the message and received another alert stating that someone from the fraud department would be calling me shortly. I received a call from Chase Bank approx 3 minutes later. He asked me if he was talking to XXXX XXXX and I said yes. He told me that there was a wire transfer attempting to be made from XXXX to a person named XXXX. I stated I did not use XXXX and had not set it up on my account. He then told me that in order to have the money not leave my account, I would need to set up XXXX and essentially issue a reversal to myself in the amount of {$2000.00} and it would put a charge back through to XXXX to make sure the payment did not leave my account. Not having used this service before and believing that I was talking to someone from Chase, I followed the instructions I was given. I received a code to input. Never did I give this person any information or any codes and I verified that the number I received alerts from was the number chase had used in the past and verified the number was the chase bank customer service number. The {$2000.00} was transferred out of my account and I am being told by Chase that it's XXXX responsibility to reverse the payment if they wish to do so and XXXX customer support has told me that they have no access to the bank info through chase and that it will be the banks responsibility to return the funds. Neither of them are being helpful. I was told by Chase that because I willingly transferred the , there is nothing they can do. But I didn't willingly transfer the money, I was given instructions by someone claiming to be from Chase, calling me from the Chase Bank number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX ) and the Creditors ( XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must 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 non-monetary relief
Consumer complaint received 2021-08-06 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: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received no updates. Not once did I get any letters or were there any updates made to my credit file. There are serious inaccurate items that need to be removed. I have attached the latest letters sent but there have been more.

Company response to consumer: Closed with explanation