vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XX/XX/2021, I discovered that the bank had stated to the credit bureaus that I was a month late. After going through the online banking app I discovered that ( they ) missed a payment I made in XXXX. It was not discovered until XXXX because I always overpay. It has been six weeks that I have been dealing with them, they have found my money, they paid it to the wrong loan, who is I do not know. They stated they have requisition to get that money back. This was not my fault, this was their error, I have shown and proven to them and theyve excepted that I have made those payments. To date they have failed to credit my account, failed to Fix my credit that has gone from excellent to fair. It is stressing me out a great deal. I am very close to refinancing my house to a lower interest rate, however, this is not gon na happen now because they will not fix my credit and adjust my loan accordingly. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McNeil & Meyers Asset Management Group, LLC
State: TX

Complaint narrative:
An employee of McNeil & Meyers left a voicemail saying that they would be moving forward against me in my county and if I wanted to avoid litigation I needed to call their office and take care of my debt. They company never actually filed suits against me in my county and the statute of limitations to file suite for the debt had expired.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: FL

Complaint narrative:
I am writing to you regarding the bad situation happened with my credit report I just can not move on in my life having fake accounts and inquires in my profile. Could you please investigate this situation because my personal information was used and abused and these items are not mine. I want them to be removed.

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 2021-06-11 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:
I am writing to you regarding the bad situation happened with my credit report I just can not move on in my life having fake accounts and inquires in my profile. Could you please investigate this situation because my personal information was used and abused and these items are not mine. I want them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried on 3 separate attempts to have this account updated CORRECTLY!!!! Equifax continues to report the account as charged off when this account was settled and should report as paid in full. Ive sent them proof of this and it still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I have an account with Gemini Trust LLC trading platform. I have over {$1900.00} on the platform. I am unable to withdraw my funds because they have not verified my identity. I have been waiting over 6 months for the verification to be completed. Please help me. My name is XXXX XXXX and I can be contacted at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I recently went to finance a car so I have 4 recent inquiries, I downloaded my transunion report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX  XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Wf/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-11 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: AR

Complaint narrative:
I recently went to finance a car so I have 4 recent inquiries, I downloaded my XXXX report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX/XXXX XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX Jpmcb auto on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Jpmcb Auto XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi there. Within the past year, I have been the victim of identity theft. An Amazon store credit card was opened in my name, but I do not even have an Amazon account. I have constantly attempted to get this card removed from my account and my credit report, but nothing has been done. It is still connected to my chase account, and now the unauthorized transactions are so great to the point that they have maxed out the card and the card is locked. Chase still claims that it is my card, even though I do not have possession of this card, and I have never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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:
A car dealership submitted car application for my daughter with her name, my social security number and birthdate. I did not give them my information and did not offer to be a co-signer. I did not know until I received a credit alert email. I submitted a dispute on XXXX and Transunion. I spoke to someone using Transunion chat feature and they promised to escalate the matter. Transunion returned the call but I missed it and when I called the number back Transunion refuses to take this information off of my report even though my credit report now clearly shows my daughters name on MY report as an inquiry. There is no way to dispute inquiries on the website.

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 2021-06-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, XXXX, XXXX XXXX and XXXX  XXXX credit cards services ( over {$6000.00} ). I should have a credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Today XX/XX/2021 ShellPoint Mortgage representative stated they were unable to speak to me due to litigation - I have not received and information as to litigation or if regarding on going litigation with another party. 

I asked for contact person and representative stated ShellPoint was unable to provide ShellPoint did update prior request regarding address - which is appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Someone from Radius Global solutions called me concerning the debt. They had the wrong information and when they could not verify the information they still reported it to the credit bureaus and it has adversely affected my credit score.

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 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I applied for an Upgrade Rewards checking account ( serviced through XXXX XXXX Bank ). I sent in documentation via drivers license and live picture of myself. I called and was verified over the phone. I was told that it would take a few days and I would receive approval email. I received denial letter instead the next day. 

I called back asking for an explanation since it says Identity could not be verified Unable to find credit profile at bureau from XXXX 

I confirmed my XXXX profile is not currently frozen. I assumed it was a mistake since the information on my Drivers License matched my credit profile and I've never experienced this issue before. I talked with someone and he said he couldn't provide any more information and suggested I try again. I tried again, sent multiple follow-up emails to support and am still receiving the same notification ( attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank lowered my credit limit for no reason. My payments made timely and no adverse remarks on credit report. In fact, my FICO increased before they lowered by credit limit on a {XXXX balance. This adversely has effected my credit score now.

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 2021-06-11 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: FL

Complaint narrative:
I found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?

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 2021-06-11 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:
I found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Called Company, Disclosed to them I had disputed this account once before when it was with XXXX XXXX XXXX XXXX, first reported in XXXX of XXXX in the amount of {$320.00}, disputed in XXXX of XXXX, XXXX XXXX XXXX XXXX could not provide the required information in order to validate the account, which I had disputed. 

Later XXXX  sold the account to MRS Associates, in the amount of {$320.00}. This is the same debt with the original Debtor of XXXX. I am in the process of buying a home and this is detrimental to the home buying process already in contract to close in XXXX. 

I contacted MRS Associates about this account on XX/XX/XXXX when I contacted them I provided them with my personal details and the last 3 addresses in which I lived at. The lady on the phone said none of the accounts associated with my First and Last Name matched any addresses I lived at in the last 3 years. I instructed her that this means they are reporting an account on my credit that is not valid and it needed to be removed. She stated " there is nothing I can do on this end without an account number ''. I provided this individual with my full SSN to verify any debts. She could not verify that the debt was valid to me and had no evidence. This is the second time I have disputed the same debt with a different debt collector for the same company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I notified XXXX that under 15 U.S. Code 1681b - Permissable Purpose of consumer reports ( A ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other ( B ) in accordance with the written instructions of the consumer to whom it relates That I XXXX XXXX never have XXXX  or Equifax any written consent to report anything on my consumer report, no consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts US DEP ED account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX  removed US DEP ED account XXXX XXXX but is still reporting XXXX XXXX account # XXXX XXXX XXXX account # XXXX And Equifax has yet to remove either all accounts listed in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave transunion any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! 
Transunion credit reporting agency is reporting 8 collection accounts and never produced a written consent from me the 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 explanation
Consumer complaint received 2021-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I sold my shares of a crypto currency for USD to transfer the dollar to my checking account and they froze the availability to withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Account Name : WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 mailed a dispute letter to Transunion back in XX/XX/XXXX, after not hearing from them I contacted them in XX/XX/XXXX to inquire. I was told that my letter was never received and they asked what I was trying to dispute, I told them and they told me I would have to send another letter with a police report or FTC report. Up until this point I never heard of a report having to be made in order to dispute. I called again on another occasion and was told the same thing at this time I disputed another account which eventually came back as verified as accurate. This let me know that no investigation was done or it was not investigated properly because the accounts that was disputed are accounts that I have settled and paid. This is the only bureau that I have this issue with. I even let them know that one of the items that I disputed was already removed from another bureau.

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