vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICE Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello- One month ago I learned that my credit score had plunged from XXXX to XXXX for no apparent reason. This is my score as reported by Equifax. I logged onto my Equifax account and noticed several errors. I then called Equifax and was told that I had to submit an inquiry in writing along with copies of my Driver 's License and SS Card. My complaint was mailed on XX/XX/2021 and I will attach it to this Step 3- please read my letter to Equifax . They responded to me in a mailing dated XX/XX/2021 and I have included the single relevant page of their response in which under the section entitled " The Results of Our Reinvestigation '' they wrote " The disputed item is not currently reporting on the Equifax credit file ''. I have absolutely no idea what this response means and it certainly does not respond in any meaningful way to my inquiry letter. I have included a copy of their response to this Step 3. The bottom line is that I believe my credit score was erroneously lowered and Equifax has not responded to my inquiry in which I asked them to explain why my credit score plunged. I would appreciate your helping me resolve this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
Experian is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted Experian, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from Experian and/or the financial company that I was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: MA

Complaint narrative:
I normally don't do this I'm very patient person however I have had it up to here with Bank of America I discovered my XXXX  benefits were being stolen and immediately canceled my card and filed a Bank of America claim. The rep was able to recognize transactions dating back to XX/XX/XXXX from my account, clearly while I was out of state and states I have never been to. They issued a replacement card which was also closed an could not be activated. I could not recieve my XXXX. 

I received a letter dated XX/XX/XXXX that I would be reimbursed the related fees. ( WHICH I HAVE NOT BEEN ... NOT EVEN THE TEMPORARY CREDIT THEY STATED WAS APPLIED ) The amount was {$430.00}. Also wondering will they reimburse the last pandemic payment of {$300.00} I was unable to recieve due to my account being frozen. 
For a total of XXXX. 

I have been calling regularly especially it was close to XXXX and my vehicle had been totaled. I needed my funds. And nothing just the run around an 10 day wait after 10 day wait. An conviently the government ran out. Meaning sorry even if it was fixed I couldn't get any money back because there wasn't any until the new bill passed. And they XXXX  me out of the additional {$300.00} that was allotted. 

Holidays past I keep calling. They said it's XXXX  fault ... call them. XXXX  says BOA fault ... I call them back an forth for weeks. I eventually three way call with XXXX  and BOA so we can stop the back and forth BOA hangs up on XXXX  2x after over 2hr hold. We continued to get bounced around for 4hrs. They transfer myself and the XXXX  rep after we requested not to be transfered an to speak to supervisor back to XXXX an hung up. 

XXXX  sent 3 identity verifications to support who I was for BOA to open my account XX/XX/XXXX. It took them until this week XX/XX/XXXX and my funds are still not available. I need my money. I spoke to rep and supervisor of BOA an there nothing they can do my claim was closed when the account closed. They have to put in a new request an they apologize temporary credit was not sent because claim closed. So once again I get NO date for my funds, I miss out on the additional {$300.00}, an they don't know when I will recieve my funds. But " oh please rest assured we are working on this very quickly we just can't say when ''. 
So now I'm public asking because I'm not the only one Bank of America when do our claim funds arrive???

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 2021-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I had previously had an item from XXXX  a payday loan provider removed from my XXXX  XXXX  and XXXX  credit reports for identity theft. I received an alert today that a debt collector, NCA had once again placed this item on credit report. NCA has never contacted me or sent me a notice of validation and an opportunity to dispute this debt. It is a violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to engage in this misconduct and place the item again on my credit report after it was removed fir identity theft reasons. Please find my notice of dispute, identity theft report updated to reflect NCA and additional documentation. It is also worth noting the CFPB sued NCA recently for this type of misconduct. I have attached the lawsuit to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This delinquent account record is inaccurate because my payment was made on time but the rep recorded the wrong banking information causing my check to be invalid. I have never missed any payments. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: TX

Complaint narrative:
In XX/XX/2020 we made the decision to have our mortgage placed in forbearance as a result of the financial strain resulting from the Covid19 pandemic. 
I had been speaking with " XXXX '' during this time. XXXX offered another financial plan that would move the forbearance amount owed to the end of the mortgage term. During my conversations with XXXX, I understood that as long as I resumed paying our monthly mortgage payment beginning XX/XX/2020 the account would be in " good standing '' and without penalty or effect to our Credit. We were able to resume making our mortgage payments since XX/XX/2020, and have done so since. 
During this time, we suffered roof damage to our residence and became involved with the " loss draft '' department of XXXX. While waiting for the funds to be released, from Loss Draft, our contractor 's time frame for repairing our roof wax delayed. 
Recently I was reviewing my credit report and it is showing that I have negative remarks from XXXX  saying that I am 120 past due on my loan. 
I don't understand why but XXXX is not wanting to add the 5 months of forbearance to the end of the loan term and then on top of that they are ruining my credit in the process. 

We have asked for them to help us and they refuse. 
This is a FHA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Im writing today to provide details as they pertain to the issue with my Bank of America credit card that was closed by them -- with absolutely no notice to me -- on XX/XX/XXXX. 
Eighteen years ago, I opened my first credit card, with my father cosigning as guarantor. For eighteen years, I made my payments on time, monitored my usage carefully, and never went over my credit limit. I very carefully built my credit, and very intentionally kept this card open and in good standing, as I know how much the average age of credit can impact a credit score. 

In XX/XX/XXXX, evidently Bank of America decided they needed more information about my father ( just address and phone number, nothing major ), who has not moved in five years or changed phone numbers in 20 years. It having been so long since the account was opened, and given how little information they required from him upon opening the line of credit, all they had retained as far as his information was one of my old addresses, at which he never lived. 

BOA claims they sent a single letter to an address at which my father never lived, and at which I have not lived for seven years. ( Note that they randomly updated his address to mine when I lived at the address mentioned above, but not, for some reason, when I moved into my current home, which I have owned and inhabited for seven years. ) When that letter obviously went unseen and unanswered, they unilaterally closed my XXXX year old account with absolutely no notice to me of any kind, which they openly acknowledge. This means no letters, email, or phone calls at all. I discovered the account was closed via a credit monitoring alert from XXXX. 

Ive spoken at length with bank representatives, both over the phone and in person at a branch. All have claimed that there is absolutely no way the card can be reopened, which is simply bank policy, and have offered no recourse for my severely damaged credit. My average age of credit has dropped from nine years to 3, and my available credit has suffered hugely as well. My credit score has dropped into Fair for the first time I can remember -- at least 15 years. My husband and I share a car and were about to apply for an auto loan. That's no longer possible. This has had severe and real-world consequences for me, through no fault of my own.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
on XX/XX/XXXX I pay for the services of Lexington Law " Credit Repair '' in a effort to fix my life by the amount of {$120.00} - {$140.00} in a monthly basics and keep paying my current and last payments till XXXX, XXXX. 
But to my shame, I was mislead by what I know now is a Scam. 

# # # Crimes 1st Action I demanded the letters that was sent in my name to be sent to me via email, but instead they refused. 
Which is a violation of my rights. 

Why it's illegal The file that the attorney has created and maintained on my case is actually my property. 
Therefore it's my right to obtain those letters regardless if they want to or not. 

2rd False Advertising I haven't seen any documents and letters Indicating that thay have done anything as they Advertise " Credit Repair '' 3rd Breach- the attorney breached their duty towards you by being negligent, made a mistake or did not do what they were contracted to do # # # Conclusion I paid for 9 months for " Credit Repair ''. 
but with the denial of obtaining copies of letters sent in my name, from Lexington Law, and no letters were sent beforehand and afterward that directly tied to any positive action on my credit report. Indicating they haven't send any to begin with the whole time. 
and done nothing. 

It's high amount of evidence that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted this company on XX/XX/2021 regarding an issue about something on my credit they have lied and stated they have no knowledge they can't respond when i am a customer and a consumer regarding this issue. They have 3 hard inquiries on my credit report since XX/XX/2021..XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX XXXX. I have not authorized my credit to be run by any of those companies what so ever. And so disappointed that i have to contact you'll daily in order to get a resolution. I had filed a identity. Complaint and was also told that if it is unauthorized this hard inquiries can be removed. And now they don't want to respond lying and saying im not the owner of the account when clearly my name is XXXX XXXX XXXX. They are just tired of the complaints that i have submitted which they wouldn't have to worry about this issue if they would just fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XX/XX/XXXX I received a letter from Transworld systems at home address on XX/XX/XXXX. 

XX/XX/XXXX I did online research and discovered XXXX does turn over debt collection to Transworld Systems Inc. 

Tried contacting XXXX at XXXX, told to call back during normal business hours, which werent given on phone line. Online research had local XXXX office is closed on Sundays. 

Tried contacting Transworld Systems Inc at XXXX, told to call back during normal business hours, which werent given on voice mail. 

Was able to put a freeze on my credit on the XXXX web site and discovered they work on Sundays. Called and was able to initiate a fraud alert and XXXX verified no collection history or unpaid bills on my credit record. Recommended contacting XXXX directly and if they cant confirm debt, report it as fraud to the local police station and when contacted by the XXXX Fraud line report status. 

XX/XX/XXXX Called XXXX at XXXX, told me to call the revenue service at XXXX. XXXX XXXX XXXX confirmed that the invoice did exist, it wasnt for the amount in the Transworld Systems letter and it was paid in full. XXXX also confirmed my name wasnt on the invoice as the sender, receiver or in any other capacity. Without a tracking number, XXXX said they are unable to provide any additional information. I do not have an account with XXXX, XXXX confirmed no record of me owning XXXX money and in XXXX opinion, the letter is a scam. 

I then filed a fraud report with the local Police on XX/XX/XXXX. 

Spoke with XXXX on XX/XX/XXXX. XXXX initiated a fraud alert on my account for one year. Was informed the fraud alert could be extended for 7 years if I forward the police report. XXXX  tried setting up a 3-way call with Transworld Systems Inc, and myself but Transworld redirected and placed us on hold and XXXX  and I eventually gave up. 

XXXX recommended filing a report with the Federal Trade commission, I followed a few links on line and hope this is going to the correct location and if not will be forwarded to the correct location. It is my wish that Transworld Systems Inc, doesnt scare and harass others into paying money that is not owed. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
How did it go through from {$1800.00} and {$1400.00}? SO MANY INACCURACIES ON THIS ACCOUNT. IT WAS REMOVED 3X TIMES AND NOW IT COMES BACK WITHOUT PROPER NOTIFICATIONS AND RE-INSERTION NOTICE. THIS IS A VIOLATION! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
New York and Company ( Commenity Bank ) has been charging me double finance charges each month. They are forcing me to close the account to keep from getting additional interest fees by paying the complete balance off in full. My total balance due is XXXX. I have made all payments on time with the exception of one payment 3-4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX 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 2021-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Re : NAVIENT To Whom It May Concern - NAVIENT customer service agents have provided confusing information along with exhibiting unprofessional behavior. 
The firm 's agents berate me when I ask for information about my three loans. When I ask or suggest I qualify for the Biden White House 's student loan forgiveness, the customer service agents berate me. 
Since XX/XX/2021, I've been unable to resolve my questions. I only am able to reach automated voice and email messages. 
I believe I qualify for loan forgiveness, and I do believe NAVIENT is ripping me off. Their refusal to address my concerns is suspect.

Company response to consumer: Closed with explanation