vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
on XX/XX/XXXX I contacted Lvnv funding ( Resurgent ) with a cease and desist and proper validation that the debt is mine. which I have eveything documented they sent me a statement which Is not proper validation any one could get a statement if my mail was a stolen also have been a victim of identity theft I asked them from certain information That the debt is mine. pursuant to 15 USC 1692 a debt collector can only assume the debt is valid. I'm my letter in order for the debt to valid I requested certain information back from them. I was then notified in the mail on the XX/XX/XXXX with a letter from the them stating this is an attempt to collect a debt. when 2 days prior to that they received my cease and desist. which I believe I'm owed for civil remedy from this company. because once a cease and desist Is out all collection activities must stop. as of yesterday this company company uploaded unverified information that is harmful to consumer report which is a violation of 15 usc 1962d. the practices this company is using is unlawful and should not be used. Ive never giving them permission to contact me and they still do even with unverified debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am actively monitoring my credit, and a {$3200.00} collection showed up on my credit report. I began looking up the company to find out what kind of company it was and how this could have possibly happened. when I called the number, the last I spoke with told me that it was from an apartment I had leased. here is the story about apartment first. I signed the lease with a move in date of XXXX I already had a lease at that time an was planning on leaving my ex. I had went to view the apt and put in application with {$200.00} deposit for a move in special. my ex ended up moving out of the apt we were currently in and I stayed in my original apt . I called XXXX XXXX XXXX to inform them that I would not be taking apt and to get my {$200.00} back. The lady told me I could not get my {$200.00} back because I choose not to get the apartment.i have all my documents from XXXX at XXXX XXXX to show I had lease before and finished it after this apartment is saying I lived there. I explained this to the lady on the phone at collection agency and asked her why I never heard about non of this before it hit my credit 2 2 years later and she told me I had to take that up with apartments.i called the apartments and of course it was all new staff that informed me that they didn't know anything about this but the last staff was fired for some shady dealing. I have had the same number for 5 years and the same email for 7 years I was at my last apartment for 17 month lease duration, and at my current apt for 15 months. there is no reason that all of this happened and not one notice, phone call, email nothing. I am working on dealing with the criminal side of finding out the lady that leased the apartment to me after I had told her I didn't want the apartment. This collection agency not only won't take this off my report but have now hit my credit report every month with interest dropping my score every month. please help me get them to stop I have tried everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: OH

Complaint narrative:
Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.

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 2021-06-16 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: OH

Complaint narrative:
Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I sold my home and paid off the existing Va. loan with Freedom Mortgage on XXXX-21. I submitted the change of address at closing and with my post office. Freedom Mortgage allegedly sent my escrow refund for {$2400.00} to my old address. I never received the check and contacted Freedom Mortgage on several occasion 's. I has now been over a month and a half and I'm told it will still be over a month before they will send me my funds by check. Freedom Mortgage refused to wire me the funds and will not return my phone calls. Please help! 

Sincerely, 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 2021-06-16 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:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.

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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account has been closed since early XXXX. I was first told they would release my money to my external XXXX Account however they then said there was a last transaction dispute. The transaction dispute has since been resolved and it was in my favor however this company has still not released my money. They have been holding my money for over 2 months with constant promises to return. When I called today they keep sending me to a voicemail and refuse to discuss the issue. On Wednesday XX/XX/XXXX, the transaction that they said was keeping them from releasing my money was settled and said all temporary credits are mine to keep. The claim number is XXXX. I WOULD LIKE MY MONEY TO BE DISPERSED INTO MY EXTERNAL ACCOUNT AS PROMISED. CAPITAL ONE 360 IS THE WORST AND IS KEEPING ME FROM PAYING MY BILLS BECAUSE THEY ARE UNLAWFULLY HOLDING MY MONEY WITH CONSTANT CHANGING STORIES ON WHY IT CAN NOT BE SENT TO MY EXTERNAL ACCOUNT BUT NOW THE LAST CLAIM HAS BEEN SETTLED AND THEY HAVE NO REASON TO KEEP MY MONEY ANY LONGER!!!!!! I WANT MY MONEY BACK. THIS IS NOT RIGHT TO DO TO A CUSTOMER IN THE MIDDLE OF A PANDEMIC!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: LA

Complaint narrative:
Equifax is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
Equifax was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX  with XXXX XXXX XXXX. 
I DISPUTED the Balance with Equifax, XXXX. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
EQUIFAX, XXXX, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
The Company ChexSystems continue to report inaccurate information in the file that they maintain under my SSN. I have sent numerous certified letters asking this company to remove this information as this information is not correct. The company refuses and continue to validate a debt that I do not owe nor have I ever owed to this company. They claim that I owe XXXX XXXX XXXX an amount of {$230.00} for alleged account abuse. They have not provided me any information that bears my wet ink signature to show proof that this is a debt that I owe. I received from ChexSystems a itemized bank statement from XXXX XXXX XXXX XXXXhat continues to state that this is my debt. This does not prove any validity to there claim and I am aware that a printout of a bill or itemized document does not constitute verification. I have written ChexSystems several times attempting to correct erroneous information on my credit report. I know they received my written dispute letters because I sent the letters using registered mail and requested signature receipts. The last dispute letter I sent to ChexSystems was delivered registered mail on XX/XX/2021. My attempts to correct my credit report administered by this company have been unsuccessful. Therefore, I am filing a complaint for your intervention. I have requested the information below to be corrected in accordance with the Fair Credit Reporting laws, but ChexSystems has not complied.

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
This is as follow-up claim to the claim I filed in XX/XX/XXXX ( # XXXX ). The resolution provided did not provide evidence of customer error. There is a 12 month gap in Mr. Coopers timeline. During those 12 months there was no issue with auto-pay. No intervention on my part in ending auto-pay. No bank changes. The company is not addressing this gap in timeline. They can not provide evidence that I canceled auto pay or set it up in correctly. Mr. Cooper was auto-debiting payments from my bank successfully from XX/XX/XXXX to XX/XX/XXXX. Then in XX/XX/XXXX they had an issue. Stating bank account numbers were transposed. However, they are noting no changes were made to my auto-pay between XX/XX/XXXX and XX/XX/XXXX. 

I sent a detailed follow-up email to the resolution specialist on XX/XX/XXXX with questions addressing this gap. Mr. Cooper did not address these questions nor the gap in dates. They did not provide evidence of customer error. They basically submitted the same response they initially provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was ripped off from XXXX ; then found out that they hot wired my car and it could have caught on fire. 
Owner never went over the invoice and charged my card {$2100.00} ; charged me for a warranty that was never given. 
I called Wells Fargo and disputed the amount ; they only allowed provisional credit of {$1100.00} Wells Fargo sent letters in which I took care of I spoke to XXXX on XXXX and he said they needed another opinion in which I provided to them by email this morning Wells Fargo removed the credit and per XXXX, employed by Wells Fargo in the XXXX said my claim was closed XX/XX/2021 even though I had been in contact daily I not only had problems with XXXX but with Wells Fargo

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 2021-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: OH

Complaint narrative:
To whom may concern I refinanced my house with new day USA XXXX XXXX XXXX. I set up auto pay in XXXX around XXXX  my first payment was due XX/XX/XXXX so on XX/XX/XXXX I noticed nothing came out of my account so I called. XXXX claimed my autopay would not take affect until XXXX so I said go ahead and pay it then two days later they charged me XXXX a second time. Which left me in financial difficulty for two weeks. Then I called to have the second payment refunded XXXX said they would send me a check so after week or two my account was electronically credited XXXX by then my XX/XX/XXXX payment was coming so I called again on XX/XX/XXXX because autopay did not take payment again they said I was in default so I checked the Mail there was a check for XXXX in mail from XXXX so they refunded both payments when they were suppose to keep one since then I have payed both payments my credit score has dropped 77 points while Im in middle of credit card refinance which was denied due to this all I received was Im sorry no I think not that is not enough for their incopetance

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.

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 2021-06-16 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: TX

Complaint narrative:
It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
My complaint is against Credit Control LLC which has called me 4 times in the past 6 days. I am on the do-not-call list and have been for many years. 
Call # 1 from XXXX on XX/XX/XXXX at XXXX XXXX  was robocall which I did not answer, but blocked that number on my phone. 
Call # 2 was from XXXX again on XX/XX/XXXX at XXXX XXXX. I again ignored the phone call and it left no message. 
Call # 3 was from XXXX on XX/XX/XXXX at XXXX XXXX. I did not answer the robocall but called the number back and spoke with a representative. They were looking for XXXX XXXX. I informed him that no such person was connected to my phone number for at least the past 15 years. I also informed him I am on the do-not-call list and told him not to call me again and to take my phone number off their list. He said he would correct the list. 
Call # 4 came today XX/XX/XXXX from XXXX at XXXX XXXX. I did not answer the robocall but I called that number back. The representative said they were looking for XXXX XXXX, and I explained again that no such person is connected to my phone number. I told him I was on the do-not-call list and not to call me again. 
I am frustrated as XXXX with XXXX XXXX which daily interrupts my life, which defies the do-not-call list and my repeated requests to stop calling 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 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : SANTANDER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AZ

Complaint narrative:
After years of having my discover card they closed my account in XX/XX/2021. This was my oldest account and therefore it brought my credit scores down significantly. They stated that they had closed my account because 4 years ago I used XXXX XXXX XXXX to pay off some other creditors i owed when I was unemployed. They were not even included in the relief. 4 years later, out of the blue, they stated that was the reason and referred me to the complaint department if I had an issue with it.

Company response to consumer: Closed with explanation