vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

I disputed this collection on XX/XX/2022 Confirmation # XXXX with Equifax amount {$2000.00} the results stated item has been Deleted from the credit file. 
Name- of collection company XXXX  XXXX XXXX XXXX XXXX Address- XXXX XXXX XXXX XXXX, XXXX, NY XXXX Equifax report if an item states " Deleted '' we have removed it from your credit report and taken steps so it does NOT reappear. 

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection reported back on my credit report again, with a different account. 
I filed a dispute with Equifax and company sent documents from Equifax to Equifax with there letter showing item was Deleted on XXXX XXXX with Address same XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I'm attaching credit report. 

Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I request to close my account beucase I never use the card. However, American Express did not let me know the annual fee is not refundable and close my account directly. 

The point is : I never used the card, and they charge me XXXX $ for the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
It is the frontier flight credit card by Barclays. They promised five free flights and it was so difficult to get a flight. I could never find one to use it now they want to charge me an {$89.00} fee, which they call the annual fee on a card that I was never able to use simply put its fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2023 U.S. Bank NEVER sent over my XX/XX/2023 {$100.00} electronic payment to # XXXX card at XXXX XXXX. U.S. Bank by fraudulent schemes STOLE my money and fraudulent account take over by credit card fraud from my U.S.Bank checking account. 
Both my XXXX XXXX credit cards # XXXX & # XXXX are closed XX/XX/2023 and no more transactions because of XXXX XXXX fraudulent account take over. XXXX XXXX told me they never received my XX/XX/2023 {$100.00} electronic payment from U.S. Bank.

I have been filing fraud complaints to U.S. Bank and the theft continues.

My FTC Identity Theft Report attached.

U.S. Bank is to XXXX  XXXX overnight my {$100.00} to my address on file and on this complaint.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America A large financial institution is holding onto me funds and not releasing them. I have banked with them for 15 years, have XXXX XXXX XXXX with them. I do wires and work in banking, I have never experienced this and have no idea what to do. 

XX/XX/XXXX initiated wire XX/XX/XXXX cleared through red flag via fraud department XX/XX/XXXX bank canceled wire XX/XX/XXXX initiated wire in branch in perosn, wire approved XX/XX/XXXX wire didnt go out XX/XX/XXXX called in, was assured we were all set and no issues XX/XX/XXXX no wire sent XX/XX/XXXX called wire department, went through red flag process again. 
XX/XX/XXXX wire processing XX/XX/XXXX wire not sent, placed on hold again XX/XX/XXXX in branch location no help XX/XX/XXXX sitting in branch no one in wire department or bank can provide any resolution XX/XX/XXXX asked for money to be made available and distributed as cash since they cant wire XX/XX/XXXX bank is holding my money, wont wire it, wont give me cash, I am stuck and its unacceptable, my funds are sitting in my account are valid, and bank wont release them

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
Notarized letters were sent via USPS XX/XX/2023 to have account removed due to no knowledge of it to be removed. 
I have not supplied proof under the doctrine of estopped by silence, Engelhardt Gravens ( mo. ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

SOURCE RECEIVABLES MANAG : AMOUNT : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am 2 months behind our mortgage. I have been in communication multiple times with our mortgage company - Mr. Cooper explaining our financial hardship we also signed for a certified letter sent to us by Mr. Cooper. Two XXXX  men came onto my property and would not disclose their business and refused to ID themselves. We took documents they had with them titled " vacancy certification '' without any company header or company information. We called Mr. Cooper and inquired if they could provide any information as to why these 2 unknown men came to our property. We were not given any information other than Mr. Cooper has the right to protect their asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting 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:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

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 2023-08-28 00:00:00
Product: Credit reporting 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:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed 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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed 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 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Lender/forced placed insurance was bought on my behalf without my consent. Furthermore its impossible to speak with someone in the insurance department ; I keep getting off-shore call centers. Horrible costumer service. Impossible to get through the answering machine. I am beyond frustrated, I dont know what to do. PENNYMAC was not my original lender, they bought my mortgage from another servicer. Ive been through XXXX with this company since they bought my loan from the previous servicer. 

Can someone please call me to further explain my name is XXXX XXXX XXXX my phone number is ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

Capital One - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. Equifax has it as 60 days late consecutively on from XXXX to XX/XX/XXXX and XX/XX/XXXX. It is impossible for that to be accurate a month is 30 days not 60, why are you all telling the public that I am 60 days late for 5 months? You are literally hurting twice as much as possible. And worst is that I was never late! XXXX has it as 3 30 day late payments. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION
State: MD

Complaint narrative:
According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. 
My mortgage servicer, XXXX XXXX XXXX XXXX XXXX violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status. 
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an XXXX to XXXX ( XXXX ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action. 
XXXX XXXX XXXX XXXX XXXX did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt. 
This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.

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 2023-08-28 00:00:00
Product: Credit reporting 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:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief