vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: FL

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was recently released from XXXX XXXX XXXX XXXX  after being XXXX  for XXXX XXXX and XXXX XXXX. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from Capital One which had been sold to XXXX XXXX due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in prison we did not have access to the internet. I have proof that I was XXXX  the entire time. I called XXXX XXXX on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with Capital One being that I was in XXXX  for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: CA

Complaint narrative:
The customer service reps call on a daily basis. It's complete harassment in my opinion. I don't know if their extremely bored in the Office but I don't wish to get to know these people on a personal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi I want to file a complaint against Capital one credit card, on XX/XX/2021 I bought a ticket to flight to XXXX using my rewards miles with my pocket money, I suppose to flight on XX/XX/XXXX, but I canceled because of corona virus, 3 weeks before my flight i tried to canceled i went throw so frustration process calling every day waiting 2 hrs. until speak with some one transfer me waiting another hour speak for 5 minutes or nobody speak at all disconnect me trying to calling back this number doesn't accept call back that is a message I ve been told, never calling me back! leave my problem unsolved, again afternoon 2 hrs. waiting speak with some one transfer me to travel center tell me different story proms me to solve my issue, same process disconnecting no solving my issue! doing that for 3 weeks talk to 20 people every body telling me different things to convivence me, after a week pass my due day flight in same frustration process told me wait until we speak with XXXX XXXX, after 2 more weeks finally i saw my pocket money back, but never saw my rewards miles which is XXXX miles back, today is XX/XX/XXXX I am on hold now waiting two hrs. they just lying i don't know how they are in business still, please some one solve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MN

Complaint narrative:
XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, EQUIFAX and XXXX were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, XXXX  and EXPIRIAN were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.

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 2021-06-18 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: ME

Complaint narrative:
Spent 3 plus hours of and on the phone with equifax. I was trying to have them update a Creditor input and was told only the Creditor could call them to update. They would not help. So I spoke with the Creditor and multiple agent confirmed they had already sent the update to the Bureau and it was up to them. I called back and spoke to multiple supervisors and was told there was nothing I could do or no one I could speak to expedite this. I was informed over and over again the the Creditor could update it. I was then told I could upload the settlement letter to them for faster update and I ask how and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I went into XXXX XXXX to sign loan paperwork to pay off my Ally lease as the lease was coming to a conclusion and I intended to keep the truck. On XX/XX/XXXX a payment posted to my Ally account for {$25000.00}, which I expect to be payment in full. On around XX/XX/XXXX, I looked at my Ally account and to my surprise it shows a past due balance or {$410.00} and an outstanding balance of {$820.00}. 

I contacted Ally, they told me that I needed to contact the dealer. I contacted the dealer and they told me the {$25000.00} was payment in full. 

I'm concerned that if this is not resolved before the end of XXXX that Ally will post a late payment on my credit report. I'm also concerned about paying them and then attempting to get back the money that they would owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
i call today to consumer portfolio services regarding my loan account XXXX to pay off the account today the last statement and what are reporting to my credit is that i own {$1500.00} i that include late fees and interest but went i call to pay off and ask for the amount to pay the lady said i own almost {$3000.00} and thats not what the statements or the credit report said. why are they reporting to the XXXX  that i own {$1500.00} in a loan almost {$20000.00} that i been paying since XXXX and went i want to pay today XX/XX/XXXX the amount is she said is higher than what the statement and record said

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MN

Complaint narrative:
XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, 5 court orders were mailed to XXXX over 30 times. In this process TRANSUNION, XXXX  and XXXX were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.

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 2021-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I saw a derogatory on my credit report from FFCC-XXXX ( First Federal Credit Control XXXX XXXX XXXX # XXXX, XXXX, OH XXXX ). I called them and wrote to them multiple times that I wasn't aware of what this debt was. I have always had health insurance with XXXX  XXXX. I provided them with a copy of my insurance card. They are not replying to me. 
I wrote to the three credit bureaus about the situation, they dispute the debt and FFCC keeps putting it back on. 
Could you please help me with this false, negative item on my credit report as it is causing me problems with my business loan. 
Thank you so much Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: NY

Complaint narrative:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.

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 2021-06-18 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:
Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXX/XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Mailed payment ( Money Order Number XXXX XXXX XXXX XXXX via usps on XX/XX/2021 to XXXX XXXX XXXX  via Comenity Bank XXXX XXXX XXXX, XXXX, TX, XXXX. Company reports as of this date no payment has been received and they are calling me demanding payment and late charges. Payment was due on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Sequium Asset Solutions placed an account for collections on my credit report for {$780.00}. I have never heard of this company. I was never notified of any accounts in collections. So, upon seeing the information, I contacted to company. The automated system stated I had an account balance of {$100.00} so I requested to speak with a representative. They were unable to locate an account using my name, telephone number or ever social security number. I spoke with 3 different representatives. Nothing! The last representative stated she was speaking with a supervisor and placed me on hold. I was on hold so long that my call went back into que and when it did, I was routed to XXXX XXXX Help Line. This company is a SCAM! I need there information removed from my report ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.

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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company, which comes up as Portfolio Recovery on my caller ID and has many different phone numbers XXXX including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others ) has been calling me several times a week, including early mornings on weekends, and leaving no message. I finally called back and they wanted personal information from me -- they said they needed it in order to " investigate. '' I did not supply it. They are debt collectors and they obviously have the wrong number, as I do not owe anything to anyone. I have also received multiple calls throughout the day, everyday, from many different phone numbers identified only as XXXX, CA, which may be the same company ; their numbers ( all XXXX area code ) include XXXX, XXXX, XXXX, XXXX, and many others. In one instance they named a person who is not me and who I do not know, but unfortunately I don't remember the name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
US Bank changed our loan without telling us and we didn't know until were sitting with the title company ready to sign. They made the loan bigger with less down payment than we had previously agreed upon without any disclosure. the loan officer told us in order to get it through their under writing process it had to be a Bigger loan amount. This is very shady process and makes more money for them.

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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
Our loan is escrowed but our lender, Network Capital did not pay our property tax and we received a notice of delinquent from the county. We reported this to our lender but they have not made any corrections.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue. a few weeks later didn't have the ability to deposit a check via the phone and I called and said that I need to go into a branch and validate myself. A week later my banking account was locked and closed without any notification or followup steps. I called and over 3 phone calls was given different information all 3 times and speaking with a supervisor was given a new solution. Chase didnt give my any options that I can control. They basically gave me the feeling that I created a fake check and used it when that didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My mother, XXXX XXXX XXXX had a checking account with JP Morgan Chase. She designated me as the beneficiary of that account after her death. She passed away on XX/XX/2019 in XXXX, XXXX. Chase has refused to accept the official death certificate from the XXXX XXXX XXXX XXXX XXXX stating that I have to receive an " apostille '' certification from the nation of XXXX. The problem is that XXXX does NOT issue " apostille '' certifications as they are not signatories to the XXXX XXXX which created those. I have explained this to Chase Bank and they have basically said, " too bad, we will not honor the beneficiary designation and turn over the account to you without that. '' I have provided them with sufficient proof of my mother 's death and they are illegally holding onto the account funds. I believe this to be an unfair and deceptive business practice on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: CA

Complaint narrative:
Dera Sir /Madam A couple of weeks ago, I signed up for driving at XXXX and consented to a back ground check trough Check r the time frame to produce this background report is way due, they continuously keep denying the results of this report with generic messages apologizing for taking too long, this is affecting my ability to attain gainful employment, can you please help

Company response to consumer: Closed with explanation