vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove

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 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My existing debit card was about to expire, BofA sent a newly issued debit card but I have not received the new card. On XX/XX/2021, Someone used my new debit card XXXX same card number, I believe ) at XXXX store making XXXX separate unauthorized purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded me the {$1100.00}. However on XX/XX/2021, BofA denies the claim stating below and did not provide any further information or proof and they will remove this temporary credit soon. 

The charge was authorized by you or by someone who has permission to use the card or account. 

I filed a police report, sent the police report to BofA. 
Big store like XXXX has multiple good XXXX, Has BofA checked the video footage? If so, please share. BofA sent me a fraud alert for this unauthorized transactions, implying this transaction is certainly out of ordinary. But now BofA denies the claim with no valid reason, I can not accept this decision. Please do a thorough investigation again including checking the video footage and refund my money ASAP. 

I am so disappointed to find out that my bank for 19 years does not stand up for me for valid fraud claim and thinks me as a criminal. I will follow through and do everything until this claim gets resolved. 

XXXX ID : 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 monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX cash app took money an sent XXXX to a XXXX XXXX person looks like a scam so I contacted same day an said this was fraud they did there fake investigation and stated they cant do nothing about it so then I kept filing complaint then they said they cant speak to me anymore I've told them numerous times it was fraud I honestly believe cash app is a scam so then I filed through XXXX they acted like they investigated then stated that I told them to authorize those charges and there ok to do that when that never happen so I uploaded prof of my conversation and sent it to them an then they stated they cant speak about it anymore an have my account negative XXXX an are taking any money that is sent. 
It is there job to retrieve my money from the scam not mines my bank helped me but they need to fix the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
On XX/XX/2021 I wrote a letter to National Credit Systems , IncXXXX asking them to verify/validate the debt they state I owe. 

XX/XX/2021 my letter was sent via Certified Mail to " National Credit Systems XXXX Inc. XXXX. XXXX XXXX XXXX, GA XXXX '' XX/XX/2021 the letter was received and signed for. 

I waited the 30 days to receive a response from National Credit Systems Inc. 
I NEVER received a response to my letter, then on XX/XX/XXXX National Credit Systems Inc. reported the debt AGAIN to the credit bureaus. 

Given my rights, I know that if the collection is not validated within those 30 days then the debt collector must remove it from my credit and halt reporting it. 
National Credit Systems IncXXXX has not validated the debt and is unlawfully reporting this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX and their agents XXXX account representative, and account supervisor XXXX, XXXX end of lease team ext XXXX ) reprocessed lease vehicle that was not at the end of it's lease, I have establish contact with these representatives and informed them of my intentions to resolved pass due balance before the end of the lease terms, but because of covid-19 impact i was not able to follow through with the payment on the day i have promise, my attentions were to pay on Monday XX/XX/2021, without knowing they reprocessed the vehicle before lease term ended. In the interim i have establish finance to purchase vehicle, however because of Account representatives presumptuous ambitious and reckless decision which have cause irreparable harm that impacted my time lost on job for not having transportation, public embarrassment, abruptly ended the lease before term concluded, not considering covid 19 hardship that have restricted my family finances and refusing to take key fobs after car was reprocessed this will intern cost more money on the finale bill, prematurely precluded me from purchasing the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have recently had my mortgage refinanced in XXXX of 2020 through XXXX, within about a month they sold my mortgage to Mr. Cooper XXXX XXXX XXXX. Recently they updated my escrow, almost doubling my yearly escrow payment event though, after speaking with my XXXX XXXX assessors office, realizing that my yearly property taxes only went up by {$31.00}, and my property insurance went up about the same amount. Now my yearly escrow has almost doubled the yearly amount by several thousand dollars. My monthly bill now is almost the same as it was before refinancing even though my interest rate dropped from 3.125 % to 2.5 %. I asked Mr. Cooper to reanalyze and provide some proper explanation as to why this occurred even though my property taxes and insurance rates barely moved. They said they were going to have a supervisor re-review my account, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Hello my name is XXXX XXXX I inherited XXXX XXXX XXXX XXXX Alabama XXXX in XXXX because of the passing of my godmother. Since XXXX I have been trying to send information explaining the passing of my godmother and that I am now the executor-of the estate. I have sent my drivers license the death certificate and the executor paperwork every time I call I get either they didnt receive it or they received it but they are working on the paperwork. This has been going on since XXXX. Please help me the mortgage is behind 7 months and I am trying to get a forbearance for this home but if I cant get information I cant apply for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
How can child support be reporting on a credit report when its considered to be a Judgement from the courts. 
I now demand these accounts be removed from my credit file

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
My account was randomly suspended from withdraws or trading without any type of warning or explanation as to why it happened other than a message that popped up when trying to trade or withdraw that said trading or withdrawing had been suspended. I deposited {$100.00} in to my account on XX/XX/XXXX and a few days later, it magically disappeared. On my account activity page on the platform, it shows no history to what happened to that deposited amount. Additionally, I had sold some dogecoin on XX/XX/XXXX for {$430.00} and a day later, that amount disappeared too from my account with no explanation. I have submitted a helpdesk ticket via their website and I have had no replies other than automated generated emails saying my ticket was received. They have no support phone number at all. You can not even follow up on your ticket as it is noted in the email that any response to the ticket from you with further send the ticket back in the waiting queue. I have missed out on trade opportunities that would have resulted in exponential profit due to my account and funds restricted from doing anything. I have also submitted a complaint via XXXX on XX/XX/XXXX with no reply so far as of writing this. I have also come across hundreds of XXXX postings with users of this platform experiencing the same issues with no reply from the helpdesk with some reporting that they have no response for months! I have no way to move MY money out of the platform due to it being restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Credit Plus Inc
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NY

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the XXXX equifax and XXXX regarding this and i was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  laXXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX card 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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
How can child support be reporting on a credit report when its considered to be a Judgement from the courts. 
I now demand these accounts be removed from my credit file

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 2021-04-19 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:
How can child support be reporting on a credit report when its considered to be a Judgement from the courts. 
I now demand these accounts be removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NY

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the transunion, XXXX and XXXX  regarding this and i was told to get an FTC 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 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey its been a year since I've tried disputing these fraudulent accounts. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.

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 2021-04-19 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Greetings, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. 


Inquiries Dated ( XXXX XXXX ) and ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Collection Consultants of California
State: CA

Complaint narrative:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the amount of {$260.00} now {$310.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), under further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

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