vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently submitted a request for investigation of these accounts list below, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate these accounts thoroughly enough the last time I submitted one. 
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never file bankruptcy, but that I am not sure that these accounts are even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 
REMOVE ACCOUNT 1. US Bankruptcy Court Account # XXXX 2. US Bankruptcy Court Account # XXXX 3. XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX 6XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I paid this amount for past due electric on my very first apartment in XXXX added this to my power and shut my power off until it was paid off on XXXX. This should be removed with any decency but legally is reporting incorrect information this account was paid in XXXX  not opened.I can no longer access the account payment details but attached the email confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with Transunion, XXXX and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: WV

Complaint narrative:
I have a Mortgage through First Home Mortgage @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX ). I am trying to remortgage through XXXX. On XX/XX/21 @ XXXX ( EST ) I called First Home Mortgage ( FHM ) to request a Mortgage Statement-spoke w/ XXXX-put on hold for ~10minutes and I hung up. XX/XX/21 XXXX I called back to FHM and reached XXXX and he agreed to fax a Mortgage Statement that he said they have 3 days to fax. A Mortgage Statement did no arrive. On XX/XX/21 at XXXX I called back to FHM and reached XXXX who told me that they are not by federal law permitted to fax a Mortgage Statement but she would request one be mailed to me. ( Since I locked in an interest rate with XXXX ). Just to be sure it was mailed-I called back XX/XX/1921 XXXX and reached XXXX and explained the situation-a Mortgage Statement was not mailed, I asked to speak to a manager and was transferred to XXXX it was XXXX when XXXX picked up the phone. XXXX said a Mortgage Statement can be mailed or faxed-I requested both mail and fax and asked if she could fax at that time-again told they have 3 days. I still have not received a Mortgage Statement.. I even told XXXX that I was going to report them. I tried to sign into web page and can't get in. I have a coupon book and do not receive a Mortgage Statement. All I need is a Mortgage Statement. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
Upon looking at my credit report yesterday I received a notification from XXXX XXXX that Phoenix Financial SE has reported an account they recently purchased from an original creditor that was made to delete the information due to account not being mine. XXXX XXXX XXXX sold this old account which was previously deleted to another collection agency. I never received anything from this company regarding this new account being re placed for collection. On my credit report for XXXX, XXXX XXXX XXXX has two separate collection agencies reporting this one account to really try to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Quick Summary : Purchased Disputed the Amazon Refunded on XX/XX/XXXX Chase returned payment to Amazon on XX/XX/XXXX ( via letter to us. Rebill was noted on XXXX statement between XX/XX/XXXX and XX/XX/XXXX ). 
Redispute declined by Chase ( via letter of XXXX, XXXX ) Email on XX/XX/XXXX from Amazon states that Chase returned money to them and they consider the matter closed and will not refund the money back to our account. 

Detail : XX/XX/XXXX : Purchased an adjustable bedframe through Amazon third party seller. Third party sent incorrect frame ( lesser quality model ). I requested a refund through Amazon. The third- party seller either ignore my requests for proper return shipping and schedule pick-ups or continued to send me the parcel select label from the USPS . This method only allows for a max of 70lbs. The item is 114 lbs. Finally, on XX/XX/XXXX, Amazon and the third party agreed that they would permanently refund my money and that I did not need to return the item. 

Prior to the refund going through, I filed a dispute with Chase, the credit card I used for the purchase. When they asked for documentation, I sent it through my accounts secure messaging system noting all of the communication I had with Amazon and the third-party seller up to that time ( prior to XX/XX/XXXX ). 

XX/XX/XXXX, we received notice from Chase that Amazon verified that the charge was valid ( not ever mentioning the communication I had with them and the third-party seller ). When I called Chase, they said they never received my documentation but said I could submit a redispute, which I did. I sent all information, including documentation of the permanent refund on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase stating that they again denied my dispute and that the charge will stand. They said that since they already returned the money to Amazon, they cant take it back again. Similarly, Amazon said that since Chase returned the money to them, they cant give it back again. My wife and I have called Chase several times to address all of this and even the dispute manager is refusing to acknowledge the documentation I submitted during the redisupute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Incorrect information on my credit 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 2021-01-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: SC

Complaint narrative:
My account was subject to fraud while I was incarcerated from XX/XX/2020 thru XX/XX/2020. I submitted the forms to the bank to prove that I could not have possibly used the funds and was denied. The amount is XXXX XXXX Further I had a remaining balance of XXXX $ left in the account. The account was closed by the bank unknowingly to me. When fund was requested a whole run around ensued. They are refusing to send my fund. I have not met other financial obligations because of this. I received a letter from the dispute department to my current address ut not my check the have been mailing me for months. I need help plz.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I found out the my EDD Bank of America card been charged everyday from XX/XX/2020 to XX/XX/2020 by XXXX XXXX totaling {$4000.00} without of authorization and knowledge. I dont have XXXX or XXXX account and never purchased anything from them. I am XXXX XXXX XXXX woman never played or purchased XXXX. I contacted BoA and opened a case and also did a police report. Bank of America denied my claims by saying there was no errors and the case has been resolved. I have called them 5-6 times and talked with different claims representatives but so far nothing has been done by BoA. I want them to pay my {$4000.00} that was charged by XXXX XXXX immediately since this was my unemployment money from my hard work. This has brought hardship and stress issue for me and my family. Please let me know what else do you need from 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 monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again. 

i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I opened a Savings account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX in XXXX, Ohio with a XXXX XXXX XXXX ID : XXXX and when I arrived home I received an alert that I had a Hard Inquiry on my Transunion credit report from XXXX XXXX XXXX XXXX. All I did was open a Savings Account & all I signed was a signature card to open said account. I did NOT give authorization for a credit check, especially a Hard Inquiry for a simple savings account.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX These Addresses have been disputed, With Equifax but they are continuing to to show this information on my credit XXXX, XX/XX/2021 both time they have provided me with the results as deleted but still is showing address that do not associate with me i demand these address be permanently taken off my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: GA

Complaint narrative:
I am having problems with Equifax. When I call, they are super illusive about my information and they keep me on hold for over an hour and when they see that I am patient, they hang up. They refuse to answer questions or update information. I have been hung up on while on hold 4 times in one day, that can't be by accident. My information has been compromised more than three times by Equifax. I am one of the people who was awarded free credit report and score due to the 2017 breach. 

They have messed and compromised my info more than 3 times, letting it be accessed on the dark web and for fraudulant reasons and they won't help what they have caused. I am tired and frustrated with them. 

I can not access my info on any other platform ( XXXX XXXX, XXXX, and XXXX ), aside from theirs and often times I have problem logging in. 

I have an error on my file, a misreporting I have been trying to get removed, which was removed from all other creditor files. 

XXXX XXXXXXXX XXXX. 

I have been asking to verify original debtor or proof that it belongs to me, ehich they can not provide because it does not. 

I simply wanted to get help and get someone from the fraud team to talk about it and dispute it. However, when I finally get someone after holding 30 -45minutes, they put me on hold for transfers and I always get mysteriously hung up on. 

I need help from CFPB to get this matter resolved and get my mishandled information in order with Equifax. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
I have submitted a complaint about Freedom Mortgage in the past. I requested an apology, the lowest interest rate available and my fees for my refinance to be waived as they have lied to me several times and I have emails documenting their lies. I requested a personal apology but they thought that their response to the complaint was " good enough ''. I was not given the compensation or the apology that I requested. I have spend over 2 months working on getting this refi completed and have lost out on over {$600.00} that they promised me that I would save. I have spend hours on the phone with this company and they refuse to own their poor behavior. They also sent me a response that was intended for someone else, so they have failed to maintain confidentiality, and even provided me with that person 's personal information.

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 2021-01-26 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: TN

Complaint narrative:
Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems ( SCS ) of XXXX, Texas sent a letter to Mr. XXXX XXXX alleging a debt owed from XXXX XXXX. Mr. XXXX has communicated with XXXX regarding this debt and demanded proof of the debt including a an agreement with Mr. XXXX 's signature. XXXX has failed to provide such document because they do not exist. SCS, acting on behalf of XXXX or as a purchaser of the debt or has sent notice to Mr. XXXX regarding the debt. Mr. XXXX has always has and continues to deny the validity of the debt. Upon communication with SCS, SCS representatives have advised Mr. XXXX to either file suit in U.S. District Court for the XXXX District of Tennessee, file complaint with the Consumer Financial Protection Bureau, and the U.S. Department of Justice. Prior to taking further action, Mr. XXXX demands that SCS cease and desist from any collection, credit reporting, or other practices that involve Mr. XXXX. Mr. XXXX also demands that SCS produce the following : Validation that SCS is the furnisher of the debt. 
Signed documents with Mr. XXXX 's signature exhibiting any agreement with SCS.

Any legal agreement allowing SCS to collect a debt from Mr. XXXX Should SCS fail to provide such requested documents, Mr. XXXX demands that XXXX remove his information from their systems immediately. Furthermore, Mr. XXXX demands that SCS cease and desist from such practices that violate the Fair Debt Collection Practices Act ( FDCPA ) as SCS has perpetuated the collection of an unfair and illegal debt and attempted to collect monetary amounts that are not contractually legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter to TransUnion on XX/XX/2020 about unauthorized inquiries on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letter was ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these inquiries should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2021-01-26 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: WI

Complaint narrative:
My mortgage company is not able to pull my credit file from Equifax. XXXX  and experian report just fine. This is causing a major road block in getting my mortgage, and Ive tried contacting Equifax over 10 times to resolve the issue. Every time they say there is no issue on their end. I need this take care of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MT

Complaint narrative:
MRS Associates - XXXX. Called my wife and said he it was regarding a debt collection. Repetitive calls to my me, my wife, my work regarding a debt owed to my father who passed away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX  and Equifax. 
I have provided them both documentation stated that I have never lived at the address or received a card from this company. This negative information has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NY

Complaint narrative:
Equifax, XXXX and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation