vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$250.00}, {$600.00}, {$500.00}, {$500.00}, {$300.00}, {$310.00}, {$3100.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$250.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$310.00} -This is not my account. 


-- PERSONAL LOANS 7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: FL

Complaint narrative:
XXXX  does nothing to correct the wrong information on my credit report. XXXX  and Equifax have everything correct and respond to my inaccuracy problems and actually remove and adjust my issue. XXXX  does nothing and this bad credit score is hurting me with getting loans, credit cards and everything else you can imagine. This is very irresponsible on their part because this is peoples lives and taking this reporting for granted is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Hello, My account is not past due. In fact, this is a clerical error that I have asked your company to fix several times, you have refused to do so. 

Again, here is the issue that needs to be fixed : 1. I purchased an {$80.00} corset with my credit card 2. I returned the corset before the billing date 3. The return was not reflected on my billing statement because, according to your company " It takes 3 weeks '' I was told the balance would be {$0.00}, but instead I was charged a late fee.

4. The {$80.00} charge was removed from my credit card bill, but the {$40.00} late fee remained.

I don't owe anything. I returned the item. I was told the balance would be {$0.00}, but instead I was charged a late fee.

This is not something I can change on my end. Your company has to fix this error.

I've reported you to The Federal Trade Commission ( FTC ) You should hear from them soon.

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I applied to open an account with XXXX XXXX, a division of Midfirst Bank on XX/XX/2021. The account was approved on XX/XX/XXXX. On XX/XX/XXXX {$100000.00} was withdrawn from my transferring account - XXXXXXXX XXXX. On the evening of XX/XX/XXXX XXXX  sent an email notification of a failed transfer. I have called twice XX/XX/XXXX and XX/XX/XXXX. The first time they said they had no record of the transfer. The second time I was told the bank was closing my account for " business reasons '' and the funds should be transferred back to me by XX/XX/XXXX. XXXX XXXXMidfirst Bank is still holding these funds currently - this is theft. 

Account # : 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 2021-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX Keeps Selling An Alleged Debt To 3rd Party Collection Agencies To Try And Collect. I Have Never Done Business With Commonwealth Financial Systems, Nor Have I Ever Entered Into Any Agreement With Them. I Have Disputed This Debt With Commonwealth, It's Been Over 30 Days And I Have Not Heard Back From Them. The Law States They Have 30 Days To Respond And They Have Not. I Need This Alleged Debt Of A Petty {$60.00} To Be Discharged Immediately And Removed From My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Resurgent Capital Services is trying to collect on a debt that i do not recall ever making. I would like a validation of this by mail to prove it. I am retired and on ssi so my income is federally protected. acct # XXXX account ID. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This entity has not contacted me regarding any debt owed. I have never heard of the organization, so I have no affiliation with them or the creditor they bought the alleged debt from. 

This is on my credit report as a " charge off ''. This is not my debt. And I am demanding it be removed immediately as it is injuring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOV ASSOC # XXXX ; XXXX ; XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please provide all request listed or you will be in violation my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: TX

Complaint narrative:
On XX/XX/2021 I submitted dispute letters to all three credit bureaus, TransUnion, XXXX  and XXXX. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.

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 2021-07-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit Card account holder is deceased as of XX/XX/XXXX. Citibank charged {$99.00} annual fee to the account in XX/XX/XXXX, no payment was made since account owner is dead. I contacted Citi probate department but no action was taken. They have reported delinquency to Credit Reporting Agencies even though the account is closed with no dept. I was an authorized cardholder and this has negatively affected my credit score.

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 2021-07-11 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: KY

Complaint narrative:
I paid off the account in full in XX/XX/2021 and on Equifax and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: KY

Complaint narrative:
I paid off the account in full in XX/XX/2021 and on XXXX  and Experian still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid 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 non-monetary relief
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.

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 2021-07-11 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I paid off the account in full in XX/XX/2021 and on XXXX  and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 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: CO

Complaint narrative:
My school loans are all on my report multiple times including closed ones showing as open. They are listed as collections, chargeoffs and most damaging foreclosures. The foreclosures appear as if I have had multiple home foreclosures. I have disputed the errors multiple times every time it seems to just lower my score more I have contacted the us department of education and it seems to get me no where Im now barred from disputing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: TX

Complaint narrative:
On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX Equifax, and XXXX As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX, XXXX, and Experian. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.

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 2021-07-11 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: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/XXXX, I mailed letter to LexisNexis requesting that an account be verified that was reporting to XXXX XXXX XXXX, and XXXX. On XX/XX/XXXX LexisNexis sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called LexisNexis and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because LexisNexis found it to be unverifiable. I have never received any response from LexisNexis, XXXX XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im reporting what i believe is a fraudulent text message stating my BofA prepaid debit card has been cancelled and asked to reactivate. I have no accounts at BofA

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 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is a third complaint about loan servicin company SLS I have had mortages 50 years never had one problem THIS IS THE FIRST time .SLS is not like any normal lending bank or institution .There has been so many misrepresentations i will have to keep separate in several complaints to not get lost in them.Here is only one example. Statement for XX/XX/XXXX has nothing about paid tax. {$53.00} paid by owner receipt from XXXX  TAX office with proof no tax due .A small penalty amount left after payment.Because in XXXX of XXXX i have a BIG PROBLEM WITH THIS COMPANY interefering with my payments of tax to the tax officeXXXX tax collector gave me this paper showing SLS paid this same amount knowing i had paid it.Tax office was refunding it back to them, Tax office also had other MISAPPROPRIATED PAYMENTS that had to be refunded to SLS and me because they interferred with my payments of taxes on my property with no prior notice.I have statements i will show in the next complaint.This small amount i paid has been in the XXXX  TAX OFFICE FILE when i complained to the XXXX  TAX OFFICE AND CFPB XX/XX/XXXX XXXX  XXXX sent me this receipt of SLS paying what i had paid prior, SLS sent me a statement showing it after i complained to CFPB .The real statement sent to me by SLS AT THE TIME does not show the misappopriated amont of {$53.00} TACTICS I HAVE NO CLUE WHY this has been done.

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine : FCRA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Collection account. {$5600.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAN (LendUSA) Holdings, Inc.
State: GA

Complaint narrative:
Hello, I recently closed on a home using American Eagle as my lender. Throughout the process, I encountered many headaches and what I believe to be clear TRID violations. Before making my final decision on what lender to go with I asked American Eagle to confirm what my interest rate and APR would be if I locked the loan at that time. After delayed responses from them, we agreed to lock the loan with an interest rate of 3.125 % and APR of 3.2 % with XXXX points on XX/XX/XXXX ( this is documented through email ). Despite my negative experience with them up to that point I decided to proceed with American Eagle as my lender because I believed with these loan terms and the builder 's incentive to go with them that they were a good deal. 

Unfortunately, when they sent the CD to me before closing they had reneged on our agreed APR of 3.2 %. The CD had an APR of 3.49 %, which is obviously not what we agreed to. When I asked them about this, they refused to honor the APR of 3.2 %. This was shortly before the closing and at that time it was too late to change lenders and close on time. Changing lenders and missing the scheduled closing date would have forced me to incur major extension charges. As I previously mentioned, I agreed to proceed with American Eagle on XX/XX/XXXX due to the APR of 3.2 % we agreed to lock at. Needless to say, Im very upset that they decided to not honor the terms they clearly agreed to. 

In the interest of closing on time and avoiding expensive extension charges, I decided to proceed with American Eagle despite their shameful behavior. Before closing, I informed them that I viewed them not honoring the 3.2 % APR as a breach of a legally binding agreement and that I planned to consult with an attorney and file a complaint with the CFPB after closing.

I happen to work in the mortgage industry and noticed a few other things that I believe to be violations as well. Early in the process of applying with them one of American Eagles representatives ( XXXX XXXX ) discussed and negotiated interest rates with me via phone and email despite telling me earlier that she was not licensed to do so. Also, I believe they ordered the appraisal before I ever signed the intent to proceed. Although, I can not confirm this for sure since I do not recall for certain when or if I signed the intent to proceed and their system doesn't show this information to me. Also, we agreed to lock the loan on Saturday XX/XX/XXXX and they didn't actually lock it until XX/XX/XXXX. Its my understanding that this delay is a violation as well. Also, as previously mentioned, they reneged on the APR we agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management original account number XXXX MCM account number XXXX is trying to collect on this account which i dont recall. i request a validation letter proving that the account is mine. I am retired and on ssi so my income is federally protected.

Company response to consumer: Closed with non-monetary relief