vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.

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 2020-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have called everybody and spoke with multiple and I still haven't received a card for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2020 I took my vehicle to its regular service and a few days later my service light came on stating it had Low or no oil at all the service performed and the vehicle shut off by itself and took it back to the dealer, & they claim someone else has put hands on my vehicle which all services has been done there and my self and the dealer should have physical copies of all services done. From that, they claimed that the engine block went out and needs replacing after they had just serviced the vehicle for that, & I have pictures of this incident

Company response to consumer: Untimely response
Consumer complaint received 2020-06-03 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: SC

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires FCTUALDATA - XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/2020 XXXX XXXX  XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was incarcerated on XX/XX/XXXX when a Discover Card account was opened in my name by my mother. I did not have knowledge of the account and I did not consent to her opening an account in my name without my knowledge or use. I did not apply for a Discover Card and I did not receive a Discover Card. I have never lived XXXX XXXX XXXX, XXXX, GA XXXX nor have I ever lived at a an address on XXXX XXXX, XXXX, GA XXXX. I informed Discover Card of the identity theft. I also informed Discover Card my mother applied for the card without my knowledge or consent. I also provided Discover Card identity theft affidavit ( s ) as well as a CitXXXX of XXXX police incident report stating I did not apply for or open the account for which my name appears. 
Discover card closed the account, however they reopened a separate account in my name refusing to remove the liability and {$17000.00} debt from credit reports stating I should have known my mother applied for a credit card in my name. I have also provided Discover with proof I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX ; the fraudulent account having been opened XX/XX/XXXX. 

Please investigate this matter because I should not be held accountable for a debt fraudulently made for which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: PA

Complaint narrative:
I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. XXXX ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7.  Creditor has not been able to provide any verification to support that it was sent. 

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension. 

- When XXXX was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611. 

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through XXXX ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied XXXX with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called XX/XX/XXXX dispute support on XX/XX/2020. XX/XX/XXXX told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the XX/XX/XXXX representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with XX/XX/XXXX only to have them conveniently hang up while still on hold. Neither XX/XX/XXXX or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.

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 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted USBANK Customer service in mid XXXX, i informed them that I am a XXXX  and impacted by Covid. They said we will give you 2 month deferal and then work with you after if needed to lower payments, etc once they have those plans if any in place. In XXXX i get aggresive collection calls, abusive, telling me, they don't care that covid exists and i am behind two months now, and will ruin my credit unless i make huge payments.They said they don't care about any arrangements made, they don't see it on their end. I paid over XXXX dollars on two credit cards to prevent this when i had no money for other living expenses due to covid. they charged and failed to waive late fees and large interest charges on two of my accounts. I emailed the VP and the local branch, he had his assistant make a few emails and he told me the same thing, pay up get caught up then you can ask for help, well that defeats the purpose. i told him i can't have my credit impacted, he said thats not his job, or worry. I have all the emails, when i said i will complain they stopped responding.

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 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I purchased an item for {$450.00} approximately from an online store offering 3 months same as cash payments. However when I was unable to pay off the loan in 3 months, a monthly payment of {$49.00} started occuring out of my bank account. Assuming there will most likely be a higher than normal interest rate ( 20-30 % ) I did not make a big deal of it and let the payments continue. The payments have continued from XXXX to present. Since i've made almost {$400.00} in payments, i logged in to their website to check what remains of my balance. I was surprised to see that i still owed {$480.00} and each month 's payment, only $ XXXX {$11.00} was applied to the principal. According to my calculations, this interest they are charging is close to if not 100 %. I never agreed to such a ridiculous rate and consider this predatory. There have been no attempts to contact me other than emails telling me when the payments would be debited. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
This involves Fifth Third Bank and XXXX XXXX in XXXX, Texas. Our Automobile was totaled and we had Gap insurance. The gap insurance paid their amount however XXXX XXXX did not pay their share of the bill. Accordingly the bill kept appearing in the mail that we owed {$1300.00}. We called XXXX XXXX and told them that they have to pay the remaining amount due to Fifth Third Bank. They acknowledged that they will in fact pay it. In the meantime the bills kept coming to our address and we kept calling XXXX XXXX and telling them that they still need to pay the bill. They kept saying that they will take care of it. However come to find out that because of this Covid-19 situation they never got around to paying it. In the meantime the bills kept coming and finally I noticed that Fifth Third Bank was turning us in the credit agencies that we have late payment on record. XXXX to be precise. This took my credit from a XXXX down to the high 600 's. Finally XXXX XXXX payed the bill but in the mean time my credit score is terrible now. 

My objection here is that somebody needs to fix my credit score and take those three late payment off my record. If you check my record you will see that it's clean with the exception of these 3 late payment. My social security number is : XXXX. Please check. 

Regards, XXXX XXXX -- Co XXXX XXXX XXXX -- Car Owner Thank you in advance. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: PA

Complaint narrative:
I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. 1 ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.

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 2020-06-03 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:
I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. 1 ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.

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 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
A company located in XXXX, Texas by the name of Collectech has been notified that the accounts they have listed under my name are not in fact mine, they have continued to report the accounts to credit bureaus even with the report number I have given them from CFPB. I called to see what could be done about the accounts since for years now I have tried diligently to prove these accounts are not mine and have tried to get them removed from my credit. I felt the only way out of the debt being reported would be to pay these items even though they do not belong to me. I called and spoke with a lady at Collectech today, I advised her that one of the two accounts is still showing on my credit and that I needed to see what could be done to remove the item from my credit and clear my name from their system. She proceeded to ask me verifying information, I gave her the account number to the collection I was referring to totaling {$530.00} ; the rep then informed me that there was another account and that I needed to pay them both, I told her that I would make arrangements on that one at a later time but explained that I was a victim of fraud and that neither account was mine so I was doing my due diligence to resolve one of the two accounts at the time. The lady then threatened me by saying she would put them on my credit all over again if I did not furnish a police report and that she would not make an arrangement on one bill but she would make an arrangement on both. I advised it is illegal to threaten to report to the credit bureau an account that has been proven not to be mine and advised I will not pay anything and hung up. ( the rep kept saying the debt was under the name XXXX XXXX which is not my name- i believe this debt was incurred by a girlfriend of my ex husbands- several accounts were opened with my information by my ex husband and his girlfriend to try to damage my credit )

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I signed up to TransUnion thinking I was signing up for an account to see my free credit report. At no time did it say you are being charged for or you have selected this product and will be billed this amount. I thought I had to enter credit card information in case you did decide to buy one of their products. I signed on and then was sent an email saying that I was charged {$24.00} plus tax for one of their products. They are tricking people into a {$27.00} fee. Yes, I was able to cancel the subscription that I never wanted but still had to pay the first MONTH fee.

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 2020-06-03 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: The CMI Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. XXXX XXXX  was one of the agencies and The Offices of Credit Management was the other. I spoke with XXXX XXXX at XXXX XXXX  and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted Credit Management who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. XXXX XXXX reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying Credit Management. I sent proof of all my payments to XXXX  XXXX. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from Credit Management did not happen. I called them and they told me that XXXX XXXX  was taking over the account and to contact them. I called XXXX XXXX to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to Credit Management. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX & XXXX themselves never reporting me as delinquent, and now XXXX XXXX   has proof that as of XX/XX/XXXX, I made all my payments on time to Credit Management. I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person at XXXX & XXXX to discuss this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: SC

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX   XX/XX/2020 Equifax XXXX XXXX XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 Equifax XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  EQUIFAX XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company response to consumer: Closed with explanation