vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
The company ONE Main Financial Group has harassed me daily by calling my personal cell phone number from XXXX, XXXX, XXXX until this present day XX/XX/XXXX. Repeatedly! ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, ONE MAIN Financial Group sent a Sheriff Deputy to my house that tested XXXX  for XXXX  XXXX  and they could have possibly exposed me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the deputy was symptomatic and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had a 5 year XXXX  XXXX with XXXX XXXX. It matured XX/XX/2020. I started the process to have it moved to an XXXX  savings account at XXXX XXXX  on XX/XX/2020. 
The transfer request has been submitted by XXXX XXXX 2 or 3 times and all other information has been given to XXXX XXXX. I have talked to their financial advisors at XXXX several times. On XX/XX/2020 I was told that the transfer would be made within 24 to 48 hours. The amount in question is over {$100000.00} The transfer has still not been made.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have discovered some inaccurate information on credit report. Therefore, On XX/XX/2020 I requested an explanation for an investigation rom the credit bureaus for inaccurate information listed on the letter. After mouths of waiting for a response I have not been provided with any information from the credit bureaus. And I would like an update on my credit report within 30 business 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 explanation
Consumer complaint received 2020-12-14 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute back in XX/XX/XXXX with Experian for reporting inaccurate information on my credit report. I was denied credit due to them. XXXX  and XXXX  are accurate. Then, XX/XX/XXXX, Experian comes back and say they will not remove or change the information as their reporting agency determined it to be accurate. The information in question is showing an open ch XXXX BK filed in XXXX. That was discharged in XX/XX/XXXX. It is now XXXX and they still can not report correctly. I also had an issue several months ago when I put a fraud alert on my account. Experian some how changed my phone number to one I used about 5 years ago which was not active and was causing issues trying to get a car. I am putting them on notice they have violated my Rights and will be seeking legal damages and legal fees when this goes to court. I tried to get a XXXX XXXX, XXXX Visa and XXXX XXXX XXXX and was denied because Experian was reporting an open BK when it was not open.

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 2020-12-14 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: TX

Complaint narrative:
I have attempted to dispute inaccurate information on my credit file with TransUnion. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. Each time I sent a dispute to TransUnion I have asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Furthermore, it has been well over 30 day since TransUnion has provide the results of the investigation. TransUnion 's total disregard for federal law has taken a toll on my life regarding my finical wellbeing and access to improve my credit worthiness.

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX westcoast time. I tried to make payment for credit card due date XX/XX/XXXX. ( Capitol One Union Plus ) The system would not accept payment date of XX/XX/XXXX. I called customer service asking why payment system will not allow XX/XX/XXXX as payment date. C/S Rep advised because of East Coast time being XXXX. The payment will only process as XX/XX/XXXX what made my payment late. A {$27.00} dollar late fee was applied to my account dated XX/XX/XXXX. The payment made was dated XX/XX/XXXX. C/S Rep refused to accept payment for XX/XX/XXXX. Spoke with XXXX Account manager refused to reverse late fee {$27.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
In XX/XX/2020, an authorized deduction was taken from my XXXX  XXXX XXXX checking account in the amount of {$1400.00}. I filed a fraud claim with XXXX  XXXX XXXX and after their investigation, they determined this was a fraudulent transaction and they credited my account back the full {$1400.00}. I was advised to check my credit reports and after doing so, I found that XXXX  XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the Equifax data breach, in which all of my personal, financial and electronic data had been stolen. I also received letters from debt collectors for the XXXX  XXXX XXXX account. A dispute letter was sent to both the collection agency and XXXX  XXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX  XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the fraudulent charges. Then in XX/XX/2020, I again had an unauthorized fraudulent deduction from my XXXX  XXXX XXXX card which again they investigated, found to be fraudulent and credited my account back the money. XXXX  XXXX XXXX is completely aware that my identity was stolen and that fraudulent charges were being made against my account, however they are doing nothing to correct my credit report, validate the charges or show my liability for the amount of the charges and now are in the process of suing me. I never received any type of correspondence from them advising me of charges to my account and I never received any bank statements because they had me on paperless. I have no reason to check my paperless statements as a believed my account was current and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OR

Complaint narrative:
I had a home mortgage loan with Crosscountry Mortgage that was paid in full on XX/XX/2020. They as self reported by them, on XX/XX/2020 to refund me the amount remaining in escrow, in error mailed two checks for {$4000.00} and {$1.00} respectively to the address of the home that I sold. As these type of checks are not forwarded and as I had provided a change of address to the USPS the mail was not forwarded and the checks were never received. On XX/XX/2020 I spoke to Crosscountry Customer Service and the representative told me that she with my phone call was putting a stop payment on these checks and initiated a new check. On XX/XX/2020 and XX/XX/2020 having not received the check I placed calls to representatives who told me that the check had been mailed on XX/XX/2020 and to just allow more time. Then on XX/XX/2020 at the advice of one of these representatives I sent an email to the attention of their research department. I received a letter dated the next day XX/XX/2020 that they would provide a response to my inquiry as quickly as possible but in any event in the time limit required by law. I don't know what that time limit is but today is XX/XX/2020, over a month with no response. On XX/XX/2020 I called and spoke with a supervisor who told me that the representatives that told me that the check had been mailed on XX/XX/2020 did so in error and that in fact it was a request for a check made on that date and that it takes them ( 20 ) business days ( XX/XX/XXXX ) to produce the check and then ( 10 ) business days to receive it by mail ( XX/XX/XXXX ). Having still not received a check this morning XX/XX/2020 I called the customer service center numerous times and was told that they don't know what happened to the check request on XX/XX/2020 and that no check had been cut and initiated another check request with today 's date on it and now tell me that they need ( 30 ) days in-house to process the check. I need some help! 
XXXX XXXX XX/XX/2020

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: DISCOVER BANK
State: NY

Complaint narrative:
I have attempted to have the Discover Credit Card account removed from my XXXX  and XXXX  credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, XXXX, and Discover, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and XXXX  were able to correct this issue, but not the current one with Discover. Also, Discover has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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 have attempted to have the XXXX Credit Card account removed from my XXXX  and Equifax credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, Equifax, and XXXX, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and Equifax were able to correct this issue, but not the current one with XXXX. Also, XXXX has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that XXXX XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of Hayt, Hayt & Landau attempting to collect an amount they claimed was due to XXXX XXXX XXXX by me. A dispute letter was sent to both the law firm and XXXX XXXXXXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff XXXX XXXX XXXXXXXX.

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 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I filed a claim towards Bank of America for fraudulent activity. Its been over a week and they have yet to give me back the funds that were stolen from my account or even offer a temporary credit. I have informed them that this activity has caused me to be left stranded in California and I originally live in Florida but for some reason they act like they do not care. Every time I call I get a different response as to how they are going to handle the situation. At this point I have no idea what to do or why I even pay a monthly maintenance fee if they can not even protect my information or at least help with a temporary credit. I was also told by a supervisor that we can not protect against fraud which left me speechless.

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
According to my credit report there was a derogatory collection account opened on my credit from the company Professional Debt Mediation XXXX on XXXX XXXX. To this day I have NEVER received communication about my debt and when I went to dispute the inaccurate information from the credit bureaus this Professional Debt Mediation XXXX company reported that this debt is valid. Today ( XX/XX/2020 ) I called this company to find out what documents do they have to verify the debt that allegedly belongs to me and I was informed by an agent named XXXX that they do not have any documents that they can send me that verifies this debt belongs to me and that any dispute is taken from the word of the company that is reporting to them. With that being said I was advised that a letter that stated that there is a debt out there that is owed by me was sent on XX/XX/2020 which is almost 7 months after this debt was opened and reported negatively on my credit report. I repeatedly asked for any documentation that they have to provide me as is my legal right and they kept reiterating that they have nothing to send to me that can serve as proof. At that point I requested them to withdraw any claim for any alleged debt that they are reporting to the credit bureau 's and they have outright refused to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCB/AMAZON, on XXXX XXXX, 2020, SYNCB/XXXX  and on XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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