vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of Equifax Data Breach. I want to delete those accounts ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of XXXX  Data Breach. I want to delete those accounts ASAP or I will file a litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of XXXX  Data Breach. I want to delete those accounts ASAP or I will file a litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XX/XX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of 11/27/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the fair credit act and also they need show me a contract with my signature on it to prove the debt they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XXXX XXXX, 2020 I was released from a 9 day stay, and XXXX, from the hospital. After getting home I checked my bank account online and noticed some charges that were made while I was hospitalized that I did not make. I immediately called the number on my card to report it. We cancelled my card and issued a new one and was sent papers to fill out and return. I then went to the police and filed a complaint and received a report number. XXXX XXXX Police Dept. Report # XXXX ) The police even stated to me that these charges stand out in comparing to my usual spending pattern. The unauthorized amounts ended up totaling {$690.00}. ( Charges in question are marked next to them on the files I am attaching ) All charges were made out of state and as far as I can see they were done on line. I filed out all paperwork and included the police report information and sent it back. I later called on XXXX XXXX, 2020 to check the status and was told it was still in the " Pending Dept ''. On this day I spoke with " XXXX ''. I then later received a letter stating that my account was awarded back {$440.00} while it was being investigated. My complaint amount was for {$690.00} not {$440.00}. I called to ask about the lesser amount and we fixed the error and was supposed to get the remaining money on my account the next day. I never did receive this money. Then on XXXX, 2020 my account was left at $ XXXX because they had taken the {$440.00} back out of my account with no letter to me or informing me of this happening. Then my account has a credit adjustment for {$89.00} which doesn't make any sense because my account is still $ XXXX. I did not make these claimed charges on my card and do not feel the claim was investigated at all. Why should I have to pay for charges I did not make and the person who used my card without my consent should get away with this. It's just not fair as I live on {$940.00} a month. I can't afford to pay for these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Payment was due XX/XX/2020 for a total amount of XXXX. 
I had made half the payment already. I was fired from my job XX/XX/XXXX so my payment scheduled was altered and I didnt receive final paycheck as usual. I paid entire month of XXXX mortgage and last half of XXXX mortgage on XX/XX/XXXX. 
Payment was reported 30 days late and credit score went from XXXX to XXXX. 
There is no record of late payments and there was not attempt on behalf of mortgage company to collect payment prior to putting forth a late charge and reporting payment was 30 days late. No correspondence of any sort was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL

Complaint narrative:
Kinum inc, harassed me by calling me multiple times a day even after I told them not to contact me multiple times. They also threatened further action of I did not pay. I agreed to a payment arrangement reluctantly because of the threat. Also I never received any certified mail letting me know about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XX/XX/2020 i called BOA cash rewards i told them I made a typo error and sent them {$4000.00}. instead of a minium payment of {$110.00}. talked to an associate who told me it would take 2-5 days for {$3900.00} to be placed back in my checking account, called back on the XXXX and was told it was processed and should be in my account on the XXXX. didnt receive it. contact the credit card company and was told it would take 2 months from XX/XX/XXXX for my money to be place back in my account. I have outstanding debt because i accidentally hit the wrong key on my computer. thats money i need to pay bills with. went to my bank bank of america and was told i would have to wait. had a account with them since XXXX will be cloing my account tomorrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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 XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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 XXXX  data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I made an online purchase at XXXX in the amount of {$960.00}. I never received the merchandise and I reached out to the merchant and Capital One. On XX/XX/2020 Capital One credited my account {$960.00} ; however, on XX/XX/2020 my card was recharged the amount of {$960.00}. On XX/XX/2020 I spoke with XXXX a representative at Capital One who stated I still had time to upload supporting documents for my case. On XX/XX/2020 XXXX, a customer service agent from XXXX stated via email on XX/XX/2020 Capital One filed a dispute and she was no longer able to further assist with my case. On XX/XX/2020 I spoke with Shen manager ID XXXX  XXXX at Capital One who stated my case was closed and they were no longer going to refund the {$960.00} for the merchandise I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Checking my credit report from XXXX? XXXX  credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " Shellpoint Mortgage services. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from Shellpoint Mortgage Services ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX XXXX and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of Shellpoint but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Originally I responded to the cable company that this was not my account, that I did not order that service if it was provided to someone, but I did not order. 
Later a collection agency started collecting, I equally replay that it was not mine. 
That agency placed delinquency in the credit bureau and I disputed. 
This was their answer. Despite that, the collectors neither the cable company are able to prove that I ordered that service. 
the following shows it all : From the XXXX  XXXX XXXX XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account Details Account Details Payment Status Account Number # XXXX Name I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX , MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$640.00} Original Amount {$640.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$640.00} Something else : The house at XXXX XXXX  XXXX. in the XXXX is my property, but I am living for several years at XXXX XXXX XXXX XXXX . 
XXXX, NY, XXXX 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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been patiently trying to result my disputing matters with the company but I am getting the run arounds, computer-generated responses and they have failed to provide me with my following requests sent to them by certified mail on, XX/XX/2020, XX/XX/2020 and XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion and XXXX  is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores TransUnion and XXXX  provided them. These score are TransUnion 's XXXX  XXXX XXXX and XXXX  's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from TransUnion and XXXX  seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with TransUnion not updating and report accurate credit card information. I believe this caused me to be denied over one point ( 619 ) with TransUnion 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with XXXX  with the XXXX XXXX  XXXX score of ( 659 ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with TransUnion 's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XX/XX/2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from TransUnion XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I have checking and saving accounts with Chase bank. The accounts got froze on XX/XX/2020 because an SBA loan in the amount of {$7000.00} was accidently deposited into my personal checking account. The SBA loan is a legitimate loan I got from the government SBA back when COVID 19 affected my XXXX XXXX XXXX XXXX. I have documentations including loan agreement and monthly statements that will proof this amount of {$7000.00} was not in any way an illegal money deposited into my account. I did called an SBA officer inquired as to why my accounts got froze. He stated that if the accounts got froze, it was not because of SBA. He stated Chase bank should not have freeze my accounts for any reason. 
After finding out all bank activities did not go through, I called and visited a Chase bank in XXXX TX. The bank associate informed me my accounts got froze because the SBA loan got deposited into my checking account. They want me to show them the proof. I showed them the loan agreement and the terms of repayment statement. The bank associate contacted her branch manager and I was informed they will send me a check of the accounts balance. They asked me to wait and give them time to process. I gave them weeks to complete but they never send out a check or unfreeze my accounts. The accounts are still there with the balance of {$7800.00} in checking and {$500.00} in savings that I have no access to them. Whatever document they required or requested I provided to them but they still would not address the situation. They are not forthcoming or interested in solving this problem for me. They want to keep the status of these accounts as is. In the meantime, I am require to repay the loan monthly to the government. 
Recently I was informed Chase will soon close the accounts. I have made numerous attempts to have Chase release my money. I felt like they are ignoring me. I ask you to intervene on my behalf because I dont have the time and money to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: AZ

Complaint narrative:
Checking my credit report from TransUnion? XXXX credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!

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