vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XX/XX/XXXXCase Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.

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 2020-10-12 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 contacted Transunion via telephone XX/XX/XXXX. XXXX, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from XXXX  aka XXXX XXXX XXXX XXXX late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from XXXX  When I spoke with customer service at Transunion, I was told it this negative collection by XXXX  was removed and put back on my credit file at at the request of XXXX Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed Transunion a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with XXXX  Company. This supervisor with Transunion had a strong foreign accent as did the first Transunion employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX supervisor with Transunion told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify XXXX XXXX 's collection on me. My credit score with XXXX  is excellent but Transunion continues to defy my requests to get documentation from XXXX  company concerning this so called debt they claim I owe.

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 2020-10-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-12 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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account inmy name, that's why I'd like to note this to try to correct this in my credit record. 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 2020-10-12 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: AZ

Complaint narrative:
I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX  this summer 2020 and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both 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 2020-10-12 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: AZ

Complaint narrative:
I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX  this summer XX/XX/2020and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both 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 explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I have many inaccuracies reporting on my report that Experian has done nothing about. There are accounts open and negative reporting that are linked to an address that I do not live at and even though the proof of documents I have sent in they still refuse to do anything about it and they ignored me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
One month and a half ago I requested QWR from my mortgage servicer NewRez and  have only receive a letter ( 30 days later ) that they received my request. and this is it. 
I didn't get no single document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Recovery Management
State: LA

Complaint narrative:
On Friday, our city was one of many impacted by Hurricane Delta. Because of this we are communicating with many people in regard to damages. When the lady called she stated that she was a bill collector and I explained that right now we don't have electricity and we are trying to pick up our lives. She snarkily said " why did you answer the phone? '' And then hung up before i could inform her that there are many reasons. Let 's see ... insurance agency calls, I am on call and my employer is using alternate phone numbers due to increased outages and their state offices are in the area code they called me from. I have friends and family members who may be trying to reach me. How rude and unprofessional can one be? And heartless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Hi BMW ; I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting now completely incorrect, incomplete and unverified. I had the opportunity to talk to several lawmakers and friends and learned some basic laws in regard to voluntary or repossession of a vehicle. Under the laws of my states & UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: LA

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX  I Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, LA XXXX MULTIFAMILY 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 explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield And Associates and XXXX XXXX XXXX are falsely reporting a debt that I do not owe. I have no ideal about either of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Due to Covid 19 myself and my wife have been laid off. We were previously just furloughed but now we've been laid off. We had been struggling to make our mortgage ever since but now that we are both laid off there is no way we can make our mortgage payment and continue to pay the other bills we must pay. At least until one of us finds full time work. We are looking but we reside in Florida, our jobs were both in the XXXX   XXXX  XXXX  ( me XXXX, her XXXX XXXX and trying to find any work in that line is useless. 

Reached out to Shellpoint last week letting them know the issue. Have not heard anything from them at all. With the horrible way they handle our mortgage to begin with I am reaching out to you again for assistance. 

I believe they must allow us payment deferment which we should have applied for months ago. They are not communicating/assisting at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company, Portfolio Recovery keeps contacting me for a credit card debt that Im not familiar with. Also I asked the representative who called me, when did this debt Occur, and they told me, over 7 years ago, I mention and reminded them that the debt passed the stature of limitations based on California Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XXXX Citi Credit card suggested for me to change my account number due to a vendor billing my card even after cancelling my service. I agreed and changed my account with that change my auto payment was not changed. 

After my auto payment was changed I made a payment using the app, about 2 weeks after I received an email that my mobil payment was never received which I called fixed the issue and made another payment. 

While making the second payment which was received Citi told me that the late returned penalty will be taken out and should not worry about it but 2 days after I found out that my credit card was closed due to late or returned payment. 

The reason my payment was returned is I was told that my Citi Checking account had a system glitch or when I submitted payment the account number used was my old account number. 

I have been a customer for over 12 years but when my account was closed by Citi for returned payment i did not even receive an email or a call had to find out when automated payment was rejected and other vendor called me to let me know that my payment has been declined. 

Citi Credit card and Citi checking team do not work together to understand the issue and when they send the account to someone for approval to reopen they are not looking at where and why payment was returned.

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 2020-10-12 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: NV

Complaint narrative:
The List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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