vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Numerous accounts reported on all three credit bureaus that I do not recognize. I have alerted all XXXX credit bureaus of this activity. Equifax refuses to remove .Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On my credit report this Vendor keep appearing as an open account. I never contacted nor applied for any account with this company. It was opened fraudulent. Company name Capital One XXXX Please assist in this matter. and Have this removed from all Three credit reports agencies. Please assist and block this vendor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX BXXXX XXXX  ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2022-01-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX Bankruptcy XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX Bankruptcy Court ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX BANKRUPTCY COURT for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
Collection agency, WAYPOINT RESOURCE GROUP, suddenly appears on credit report as of XX/XX/2022. 

XX/XX/2022. - opened dispute with XXXX to investigate inaccurate collection. Estimated completion time was expected XX/XX/2022. 

XX/XX/2022 - XXXX day later, XXXX says they Verified debt was mine, but does not provide any information to me as to how they verified the debt was mine, as it is not my collection debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
A Capital One account was opened under my name. I received an email on my personal account 'new XXXX Checking account with Capital One '. 

I am in process of reaching out to Capital One now to alert them of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am having an issue adding my partner onto our Chase business banking account. XXXX XXXX is telling me the only way to add him would be to close down the account and reopen the account since we live in different states. Looking to have him added to the existing account by us both going into our respective Chase branch locations. Seems like they are trying to get additional new accounts versus just correcting the accounts that are open now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I am seeking assistance as I feel I am being taken advantage of by my current mortgage company. In 2019, my husband and I experienced a financial hardship as a result of our daughter needing XXXX XXXX XXXX. We were behind on mortgage payments as a result of medical expenses. I requested a loan modification through Selene Finance. Their modification ended up being more than my current mortgage payment which I could not afford. In XXXX of 2019 I took out money from my XXXX to pay the full amount that I owed Selene and to get us up to date. When they recieved that payment, they told me it was not enough to bring me up to date, and I owed them XXXX additional payments. In XXXX, I took out more money and paid them a lump sum again. The following month I sent my mortgage payment early so that I would continue to be up to date. Mysteriously, they did not receive my payment. When I called them to inquire about it, they told me it must have been lost in the mail. Their representative told me to contact my financial institution and put a stop on the check ( which I did ). The same day I went on their website and paid my monthly payment. Amazingly the following day they happened to find the check that was lost and they told me to stop payment on, and they attempted to cash it which resulted in a bunch of fees for me as well as now being recorded as another missed payment. As a result, I can never get up to date with this company. In XXXX of that year, they restricted my use of making payments online so I am no longer able to do that. In addition, the company never pays my property taxes on time, or if they do it is not for the full amount. Recently my mortgage payment has gone up by several hundred dollars and I am not sure why as the company is constantly charging me what they refer to as advanced fees. Also, during the month of XXXX I sent them my monthly payment which they returned because I did not add in their additional fees. I sent them another check for the entire amount which was returned to me again stating that I must now submit all payment via certified check. This company makes it impossible for people who were in a bad financial situation to get caught up and be up to date on their mortgage payments. I feel as if the company is designed this way. To constantly keep you in debt. As a result, I have terrible credit and can not even switch to a different mortgage company as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been onXXXX of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Been calling Transfinancial no call back sent information asking them to verify the debt showing that I signed a contract with them when I know Ive never been to Transfinancial. I received a email saying the account will be removed from my credit report until a investigation is complete. No results yet from Transfinancial. I want this removed off my credit report. Been calling with no response from anyone and they leave me on hold a hour at a time. I only have gotten a email and the situation still hasnt been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There was a dispute initiated with Equifax Information Service LLC reflecting identifying dispute confirmation number as XXXX. The dispute was initiated XX/XX/2021 and completed XX/XX/2021. I requested the dispute investigation results XX/XX/2021 and two additional times after that but they have failed to provide me with the results as they should have. Instead they sent me a copy of my credit report which is not what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I checked my online account three times XX/XX/2022 my water bill payment wasnt processed yet so I was going to deposit the funds XX/XX/2022 in the morning. I checked my account at XXXX and the payment was processed and a overdraft fee charged. It showed XX/XX/2022. I believe regions processed the payment at XXXX XX/XX/2022 and charged a fee the same time. Giving me the consumer no opportunity to deposit cash to avoid the fee associated. I spoke with the assistant manager at the XXXX office in Florida and she said I could come in and she would review the account because regions can waive one fee a year. I went in and she tells me its a rolling calendar year. She has no access to override it. I have an account with XXXX and this never Happens ever.

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 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I requested a letter of validation of debt twice now and they have not sent it to me, it has been over 30 days and they claim to have sent it to me but the letters I got and saved only show the total amount owed not what I requested. I called the company and they are telling me they sent it when they have not. I requested a email and one was not sent. The When I was requesting the debt over the phone the woman kept trying to convince me to pay before getting that letter and almost refusing to provide it. This has been removed from my XXXX already as well due to meeting the FCRA requirments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank keeps harnessing me, and defaming me on my Credit report for a vehicle, and a debt that I am not legally responsible for since they failed to go retrieve the Vehicle from the City Of XXXX. PNC Bank did not file Claim with the City, and relinquished the vehicle to The City of XXXX whole Sold this vehicle while the PNC Bank held the Title to this Vehicle. Im not allowed to legally discuss this because its pending current litigation, and awaiting Supreme Court hearings. You may reach out to my Lawyer XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX PNC Bank held the title to the Vehicle, and could have retrieved this legally under Federal Law, and Chose not to, and could have went after the City since the City sold their Legally held asset. Instead they have decided to come after me, and place this on my credit file, as a repossession when the vehicle was never reposed, and resold by the City. The City of XXXX has a resale Certificate which can be provided by my lawyer. PNC Bank keeps putting this charge onto my Credit report every time I challenge it, and they'll put it back on in another way thus lowering my credit score by XXXX points each time. Ive been XXXX  for five years, and my Credit score dropped to XXXX because of this five years ago. Ive been attempting to repair my Credit while waiting litigation in Court that I'm sure will recover the cost of the Vehicle but PNC decides to keep slandering me, and keep hitting my credit report fraudulently each time, and the Credit agency 's allow this, and I keep challenging this. I can not progress in life or live life as a normal person because of this. This keeps me XXXX since no one will rent me an apartment. I have a right to shelter based on the XXXX  XXXX act, and PNC slander, and fraudulent activity of posting this multiple times when they have knowledge that there is current pending legal action makes them accountable under law. If you require any legal document please reach out to my lawyer, Im not allowed right now to go deeper or to release any information since it is pending Court Litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Inc, is keeping my consumer credit report information XXXX ; it's an unjust system. This is predatory and XXXX, as it prevents me from verifying the accuracy of my consumer report. 
I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Equifax Inc, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from Equifax. 
I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. 
My consumer report contains an error, I have the legal authority to ask Equifax which report my consumer reports under the FCRA. I called Equifax over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent Equifax my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The issue started in XXXX when I opened my business account and chase would send emails and call my girlfriend at the time with information regarding my account and disclose PII ( Date of Birth ) to her clearly breaching my accounts security. I was able to resolve this with the branch, but now we opened a joint checking account together and her parents are now receiving info despite not being associated with the account. Then on XX/XX/XXXX we noticed a {$40.00} withdrawal from our account for a credit card we do not own. Clearly being fraud we spend XXXX hours on the phone with chase just to be told to go to a branch. We went to a branch that same day XX/XX/XXXX and were essentially told they would not do anything and to just wait until Tuesday when the manager came back. We could not risk more funds being taken so we called in and waited XXXX hours to speak with the fraud department in order to freeze the account, and were told to visit a branch Tuesday to withdraw our funds. We did so and were greeted again with aggressive behavior and told to call customer service or come back another day. We tried a different branch in XXXX today to try to access our money as we are now late on XXXX credit card payments as we have no access to our money, and the manager on duty XXXX was so rude that she literally would not accept our ID or offer to help in any way and even went as far as storming off after speaking to us in an extremely condescending manner. Luckily we video taped the encounter as this feel like chase is attempting to steal our funds and likely has no intent to return our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I rented a car from XXXX XXXX in XXXX and returned it in good condition in XXXX debt paid in full. ( if it wasnt paid I could not work with XXXX until it was paid and thats who Im working for as of today since XXXX ) I received a letter requesting payment of XXXX. On XXXX XXXX, I sent a demand letter certified asking for proof of alleged debt and verification and documentation of who and why I owe this amount. I got no response. On XX/XX/XXXX I received another letter offering a settlement of XXXX. This company has fail to provide proof of this Debt. All payments for the car I leased through uber was paid on time taken out on my earnings every week. I do not owe them Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: FL

Complaint narrative:
I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.

Company response to consumer: Closed with explanation