vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute about an incorrect address to Equifax. It is an address from XXXX to a place that I have never even been to on the opposite side of the country. In fact I had never even visited this state until XXXX. Equifax agreed on XX/XX/XXXX, and said, " We have reviewed the former address. The results are : The disputed address has been deleted ''. Problem is we are now XX/XX/XXXX and the results have not been deleted from Equifax. 
I called In XXXX and they claimed it should be off by the next month because it can take 30 days. I have waited patiently for it to be removed. I checked today and it is still there. I called today and was told it can take 90 days. But I should probably start a new dispute even though I have a copy of a dispute saying is has been deleted! I asked to talk to a supervisor, but one was never available. After over 40 minutes on the phone I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MA

Complaint narrative:
Hi Capio Partners / XXXX  of XXXX ; I just got out of strange phone calls with representatives of Capio Partners ( # XXXX ) and XXXX  of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I've been with Wells Fargo for 9 years or so, but I'm going to another bank. It's a culmination of constant problems from losing money ( my funds disappearing basically ). For example, I had a balance of about {$50.00} ] yesterday. today its {$180.00} The transfer I made was the only transaction, it's not correct. 
I know wells Fargo owes me alot that's disappeared over time, I need assistance with what to do next.

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 2021-01-22 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:
On XXXX - XXXX XXXX deposited funds for my benefits. Bank of America of america has no idea where the funds are when I have conformation numbers on all the deposits that was made. The respresentative was very rude and told me there are no transactions and hung up in my face. Bank of America says there nothing they can do about it.

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 2021-01-22 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: FL

Complaint narrative:
Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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:
On XX/XX/XXXX, I submitted a request to Equifax to remove a 10 yr + old mortgage account. In lieu of removing it off the report, they updated the reported date. Some creditors look at this latest reported date instead of the date of discharged. It shouldn't happen, but it does. This lead to a denial in credit due to this account still showing on my report. I called in XX/XX/XXXX and spoke to several representatives at Equifax. They said they understood my issue and agreed that this should be removed. The agent submitted the dispute on my behalf, but a few weeks later, the same conclusion. They updated the reported dated and failed to remove the 10 yr+ mortgage off my report. I called on XX/XX/XXXX, feeling I am now being given the runaround. The agent failed to transfer me to a manager at my request and stated the only thing she could do was re-submit the dispute. This old account is effecting my ability to obtain credit and should be removed off of my report due to simply the age. I feel Equifax is giving me the runaround and should be held liable for their poor service. My last course of action if the CFPB fails to act is to proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I refinanced with NewRez/Shellpoint Mortgage and told them up front that I did not want my homeowners insurance premiums escrowed. They told me this would not be a problem. When my first payment came due, I saw that homeowners insurance was still being escrowed. I called to have this corrected. They told me it would be fixed. It wasn't. I called back ... waited over an hour on hold. Was told it would get fixed. It didn't. This happened 4 more times. Then they told me I needed to submit proof of payment of my homeowners insurance. I submitted proof that the policy was paid for the next 11 1/2 months. They never got back to me. I called again to find out what was going on. They said they rejected the request. They never notified me that the request was rejected. I call to find out what's going on and then they say that they can't remove the escrow and will not remove it. So, after about 5 hours of my time and effort, they can't even correct the mistake that they made on the front end of my refinance.

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 2021-01-22 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: MD

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. It feels to me, like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received an email from Bank of America on XXXX XXXX informing me my BOA XXXX XXXX Visa card had been cancelled by them. Upon inquiring I learned they closed it for inactivity. 

Imagine my reaction. For them to close my travel card for inactivity during Covid is unconscionable. We could not cruise if we wanted too. 

We had a {$27000.00} credit with XXXX balance due. 

My complaint is they did this the way they did and we lost thousands of cruise credits by using their card to gather them loyally and often, before Covid. 

I demand cruise credit restitution with normal XXXX XXXX expiration dates. Bank of America owns the administration of the loyalty plan.

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 2021-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, I was only XXXX years old and applied for a credit card had my info stated & social security was issued the credit card and right there was the problem.. i should've never been issued one considering the laws state you need to be 18 and older. They apparently will give anyone a credit card and don't check their info. 
it's stated as one paid account and one chargeback account. i disputed several times to have those accounts removed considering I was a minor and still was a minor so i was told not to touch the credit cards and that my father will handle it for me since I'm only XXXX i didn't have the maturity or knowledge to own one yet. 
but this has set me back and I need something done about it. 

i have submitted my proof of age to capital one and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Paid collection in XX/XX/2020 the amount owed should be XXXX. I settled with them for less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2021-01-22 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: HI

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY XXXX XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed that PHH Mortgage Services reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on XXXX. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's PHH Mortgage Services Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, XXXX, and XXXX to reach out to PHH and investigate the issue. On XX/XX/XXXX, XXXX concluded that PHH reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that PHH. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for XXXX and XXXX, and the issue has not been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: MN

Complaint narrative:
I wrote a letter to Transunion, XXXX and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.

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 2021-01-22 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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
in 2019 i had broken let i couldn't work so i called to XXXX and the synchrony bank to let them know that i wasn't able to made one because i had an car accident ( XXXX XXXX ) and then they were like happy the i let them know about. so within the following month i received a statement over XXXX dls to be paid and i called them back i explained them again my situation and then they returned the late feed but they close the account and keep me raise interest for over year and they mark as delinquent account. now i still paying every month i haven a single payment since.

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 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2021 Equifax credit reporting service I should them exactly what was wrong ( fraud ) on credit report and they said they investigated but did nothing. I asked to see how and who they did investigation with and told known of my business. They are committing federal crimes that start with FCRA. I told them about a XXXX dollar collection with XXXX XXXX XXXX. but they did nothing. This company says I owed univeristy of Maryland XXXX dollars off of XXXX XXXX dollar stay. This company never sent bill, never calked me, cant produce what bill is for and it is then calked fraud. Every other agency deleted from this colkection company but equifax. They are just asking them ( i think ) if debt is right and not asking for information needed to prove ut is a collection. I would have paid in one second not to take 40 hours to tell them this company diesnt care it us breaking the law. 
2. American XXXX has me on charge off and late payment but with no proof either. I can write same things but just go back and see how equifax is breaking federal and state laws. 
3. XXXX had feaud account 7 years and 4 minths ago but equifax want take off my credit. They sent whoever a new card because whoever did it driver XXXX dollars in one month so they sent new card snd it doesnt show what hapoened before new card was sent too XXXX. It needs to go and alk things that goes with XXXX on credit report. 
Last 4 different companies made hard inquireys that were fraud or got info trying to get loans off my name. 
FCEA says equifax needs signature, ids and proof it was me that tried to get lians. I will tell uou whst companies got fraud on inquierys. 
XXXX XXXX, equifax mortgage, XXXX XXXX XXXX and XXXX XXXX all were fraud to try to get loans and made hard inquierys. Equifax is in XXXX and doesnt avide by usa law. If they did this infomartion would be off repirt like the ither 2 repirting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!

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 2021-01-22 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: GA

Complaint narrative:
I have sent Equifax numerous letters disputing an alleged bankruptcy that this company continues to erroneously report on my Equifax consumer report. I have given them ample time to rectify this issue but they continue to report this information as verified. I have sent them multiple requests to delete the information because of inaccurate information. They continue to report the information as verified and correct. I have submitted supporting documentation to prove that the information they are reporting is inaccurate, still, they refuse to delete the inaccurate information and continue to report it on my consumer credit report. After viewing my Equifax consumer credit report, I noticed that they claim to have gotten the alleged bankruptcy information from a third party collection agency named XXXX XXXX. I have reached out to XXXX XXXX to get a copy of my XXXX XXXX Consumer Report. Under Section 9 which is the public record section, there is no bankruptcy listed on my XXXX XXXX consumer report. I pull the XXXX XXXX report on XXXX-2020. However, in XX/XX/2021, they are still replying to my dispute as accurate and verified. I have sent Equifax the supporting documents as proof of no Bankruptcy listed on my XXXX XXXX consumer report and they still continue to report the item as accurate and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: OH

Complaint narrative:
I advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.

Company response to consumer: Closed with explanation