vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have a bankruptcy listed on my report. I have a letter from the courthouse, which they listed they do not share information with anyone, as well as a letter from XXXX XXXX stating they removed my bankruptcy from their report. I submitted the letters to XXXX and Experian in which they both stated they verified the information through XXXX XXXX, which is incorrect, because XXXX stated they removed it from there records. However, XXXX and Experian refuse to remove it. Please assist.

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 2021-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth third bank on their own accord, modified their automated payment system, XXXX, to after my due date. My due date is the XXXX of every month. They moved the payment to the XXXX of every month. 

When the account got established with XXXX bank, I sent in the paperwork via U.S. Mail and fax. I also called to follow up because I don't trust this bank. I finally got a letter but via the portal and after they had to make make corrections as I'm a previous consumer forced into using this bank once before. 

The letter states payments will start to be pulled out starting on XXXX of XXXX and will be on that date moving forward. I called again, to vaildate. The rep. at XXXX bank confirmed it was on the XXXX and offered to move it to the XXXX, Payment is due by. I didn't want it moved then -- I called back to have it removed back to the XXXX. Today, XX/XX/27, I chat with a rep. who told me it was moved to the XXXX without the consumer 's knowledge or explicit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom it may concern, I have been trying to dispute Account # XXXX LVNV Funding to get this deleted from my credit report. This account was reporting on all three credit bureaus but it was removed on XXXX. And it should be removed on XXXX and XXXX as well. I mailed LVNV on multiple occasions indicating the laws that were broken for reporting this account my most recent letter stated this account was reported without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked you to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX please see screenshots below. Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
this message is for USAA. i reported to them that the credit card on file and consumer loan on file was the result of ID theft. i filed a police report and ftc id theft/fraud report as well and will upload for them to see. no further contact by business after this. thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I bought my house last year, and within closing costs, {$420.00} was earmarked for homeowners insurance. Apparently the check that the title company had to send to the home insurance company never went through, so due to this I was without home insurance throughout the XXXX period. I never found out about this situation, until I received a letter from the lender saying that if I did not send them evidence of my home insurance, they would have to apply a premium charge for the lapse in coverage, which would be much more expensive than an usual home insurance. 
I had to get insurance for my home that covered the period XXXX, which was quite difficult to get, because no insurer wants to issue a policy to a home that has been without coverage for a year. After sending this evidence to the lender, they continue to demand evidence of the policy for the XXXX period, a policy that they should have insured me when I bought my home, and it was never effective. 
Now they are including me in my escrow account, an amount of {$4600.00} for home insurance during the period XXXX, a situation that was clearly the responsibility of the lender and the title company, and now I have to cover that expense ( my monthly payment has risen to an amount that for me is impossible to pay ). How could you help me so that this amount can be withdrawn from my escrow since it was not my responsibility?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have a credit card that was paid through XXXX insurance. After they kept placing and refunding fees by the end of XXXX payments there was a balance of {$34.00}. I spoke with representative from this credit card company and she agreed that the balance would be forgiven due to myself being terminally ill without a cure and on XXXX. This happened in XX/XX/2018. All of a sudden I have a collection placed on my credit bureau for {$500.00}. I've tried several times to contact collection company for verification of debt and never heard from them, nor received any verification from them nor bill ever. After disputing debt with credit bureaus multiple times they state debt is verified, how?? I contacted original credit card company and the lady states my insurance company never paid. Not true what so ever. I finally received all documents from collection company and it is all fees and interest accumulated since XX/XX/2018 when debt was forgiven. I never had a personal balance with the credit card company. So I was mislead and lied to by this credit card company via a recorded conversation of this agreement that debt would be waived because of circumstances and it was left over interest and late fee from insurance company paying bill late. How can a collection company try to charge someone for fees only when account was closed affective XX/XX/2018 with no balance. Also how can a collection I n be placed on a bureau without the law of proof of validation of debt. I have 30 days after receiving said bill to dispute prior to reporting on credit bureau. This is all against the laws set in place to protect consumers. And as of our joke of credit reporting agencies need to be held accountable for their actions. Falsely reporting incorrect information, not actually correctly reporting all true information and they have to delete and never place item again via FCRA laws when debt is not verified completely. Also they need to provide proof of validation of debts accuracy. Not just say we verified through our 3rd party. But information is still not complete, dates incorrect, missing amounts and most of all its fraudulent. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: MD

Complaint narrative:
three credit bureau reporting inaccurate information and violating my rights under United States XXXXode 15 USC 1681 ( a ).

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 2021-12-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
three credit bureau reporting inaccurate information and violating my rights under United States Code 15 USC 1681 ( a ).

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 2021-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XX/XX/2021 an account was open in my name I did not give consent to anyone to benefit or utilize my authorized credit, nor authorized to sell or trade my information to a third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX  XXXX, MD XXXX DOBXXXX SSN:XXXX  I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.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.

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 2021-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc
State: FL

Complaint narrative:
I am not sure who to reach out or if you can even help. I was working with the vendor Intelliloan ( XXXX ) on a VA Refi because my roof needs to be replaced I decided to stay with XXXX XXXX as they have my current VA loan. I paid for a VA house inspection and Intelliloan has yet to release it in the system so that XXXX XXXX can complete my loan. I can understand the company being upset that I chose another provider, but it seems like they are targeting veterans for retaliation, since they hold the ability to release these inspections and not the veterans. I appreciate anything that you can do or if you can point me to someone that can help. Thank you again for your time in this matter. 
How come Veterans do not hold the right to reassign these appraisals in the VA system if we pay for them? We are essentially at a stop unless Intelliloan decides to release it or I pay {$500.00} for another appraisal. We have reached out to them and XXXX XXXX has even reached out. We did as they asked and still nothing. Please I appreciate any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, 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. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days.

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 2021-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: VA

Complaint narrative:
Persolve Legal Group, LL is trying to collect XXXX when clearly all I owed was XXXX. They keep closing and reopening it on my credit report destroying my credit. I shouldn't have to pay all them lawyers fees that keep increasing! There is some messy business! Account number is not provided on credit report as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Debt Co LLC
State: CA

Complaint narrative:
To Whom it may concern, I have been trying to dispute Account # XXXX with Debt Co Coll. This account was reporting on XXXX and XXXX but it was removed on XXXX. And it should be removed on XXXX as well. I contacted XXXX XXXX  on multiple occasions indicating the laws that were broken for reporting this account ; with my most recent letter stating this account was reported on my report without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked them to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX but XXXX. You can see the below screenshots account # XXXX is reporting on XX/XX/2021. The other photo shows my report on XX/XX/2021 and the account was removed and you can see there is only one collection account on my report Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The three credit reporting agencies ( XXXX, Experian, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and Experian have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies XXXX Experian, XXXX, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( XXXX, Experian, XXXX ) XXXX updating this account even though it is closed. On at least one of my reports, ( Experian ) the CRA is reporting XXXX chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

Experian states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXXXXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX  # XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed 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 2021-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a check from Wells Fargo for {$5.00} - with a letter stating that it was for a fee on an account of mine ending in XXXX. 

The only problem is here - I have never banked with Wells Fargo - A couple of years ago I have an account opened under my name and when I went to find out they said they closed it - Today I was on the phone with XXXX different departments - Customer Service - spoke to XXXX XXXX - who refused to answer any questions whether or not there was an account open with my information she then transferred me to the XXXX XXXX Where I spoke with another XXXX  who then transferred me to the XXXX XXXX Department where a XXXX XXXX advised me that the {$5.00} check was for a fee on one of my accounts - when I asked if I had an opened account she refused to answer stating she couldn't access it and would transfer me back to XXXX - during that hold the call disconnected and was not returned - Can you please help- I have never banked with this company-

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recently had my whole car stolen with All my information inside & some how after putting the XXXX XXXX protection. Plan the thieves are still using my social security number and name to open bank accounts

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 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America allowed a transaction of {$6900.00} to be transferred from my account to another " trusted '' Bank if America customer. 
Initial transaction on XX/XX/XXXX for {$4400.00} and again on XX/XX/XXXX for {$2400.00}. 

The payments were to reserve a seasonal home rental. I have XXXX active police investigations. I have reached out to the Fraud Department of Bank of America. They returned ONLY {$1400.00} stating that was all they could get from his account as he has been " blacklisted ''. Bank of America refuses to hear my pleas, and continues to ignore my requests for reconsideration. I would not be pressing this if the other party was not a " trusted '' Bank of America customer like myself. It is unfair and THEY dropped the ball in their screening process. I want to seek legal action, but know it will be a difficult process. In the mean time my entire savings was wiped clean. How American.

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 2021-12-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.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.

Company response to consumer: Closed with explanation