vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: SC

Complaint narrative:
I filled a dispute with the credit bureaus and its been well over 45 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 explanation
Consumer complaint received 2021-03-24 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: AL

Complaint narrative:
Ive spoken with XXXX XXXX about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.

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 2021-03-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have already paid this bill back on XX/XX/2018 I took a screenshot of the bill paid directly to XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
The loan process was delayed and the processor lied saying they were on top of things. I have emails of them saying something was going to happen but did not on multiple occasions. We received a 30 late on a 2nd mortgage that should have been paid off in a timely manner. I called them to ask to investigate about 2months ago and they said I would have an answer in 3 weeks. Never heard back from them on this matter. This seems to be an ongoing problem and I still have bad credit due to their lack of follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
This was an amount due for {$56.00} to XXXX XXXX XXXX. I had to get a physical done and in order to get that physical completed I had to pay this debt along with the amount due for the physical which totaled to roughly {$71.00}. I have a screenshot of this from my banking statements as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In the PNC banking. My account was hacked XX/XX/XXXX. And this day. Havent been resolved. 
What I be able to do at this point?? 
XXXX XXXX. 
( XXXX ) XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Nelnet, Inc.
State: AL

Complaint narrative:
Ive spoken with Great Lakes about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
Experian and XXXX  are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus Experian  & XXXX  but both state that its accurate

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 2021-03-24 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: PA

Complaint narrative:
I have tried to resolve the problems with the company havent got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: GA

Complaint narrative:
I do not know of any debt with Avante USA, I have no knowledge of any debt with this company or the original creditor. 

I have not received written notification to dispute the validity of this debt I am requesting that this debt is removed from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
Ive failed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I called to make a payment on XX/XX/XXXX and advised the rep that I am still unemployed due to the pandemic.I was charged a late fee for the missed payment on XX/XX/XXXX and I submitted a request to have the late fee waived as a courtesy. The rep that I spoke with advised that I had not had a late fee waiver recently and after reviewing my account she has not seen a late fee waiver EVER. I received an email 24 hours later stating that the fee waiver was rejected and there were no logical reasons indicated. I immediately contacted Avant customer service and spoke with a supervisor who stated that he also sees no valid reason on file as to why the late fee removal was declined but he escalated my concern. I am totally appalled by this lack of compassion and leniency especially during these tumultuous times. I enrolled in a hardship program with Avant back in XX/XX/XXXX when I became unemployed and I managed to still make consistent payments. Many lenders and creditors have announced proactive measures to help borrowers impacted by COVID-19. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: NJ

Complaint narrative:
Credit report must be updated. XXXX  account with XXXX XXXX has been paid for removal please remove XXXX XXXX from report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus XXXX & Equifax but both state that its accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CA

Complaint narrative:
Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.

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 2021-03-24 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: CA

Complaint narrative:
Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
This account was opened by some fraudsters and I went into XXXX Stores in order to return the phones since I was able to intercept them at my home. I have called their offices as well and have tried to return the phone via mail and footing the bill of the mailing in order to clear all the situation. I was played by some time and did not get the appropriate response from the company since I was placing all my goodwill in order to solve this issue. I did not order this phones and it was the result of an Identity Theft. I was sent to collections wrongfully and know when trying to buy a home I found that this item is dinging my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
the information they provided was incorrect I was unaware of any accounts that were closed due to fraud. they also took longer than 30 days to respond I would like to speak with the 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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I had an unauthorized charge on my account and have submitted the necessary information to the gift card company several times but they have not responded. Attached to this complaint is the form the company required me to fill out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
This company is stating that I owe them and its on my credit. I don't have a signed contract with them. This account have been on my FTC report and Ive disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I disputed a {$200.00} transaction that Wells Fargo is allowing to stay on my bank account. My XXXX stole my card information and paid for Her internet with it. Wells Fargo is calling that " Friendly Fraud ''. That is Not Friendly Fraud. Friendly Fraud is when You charge your own card and then dispute it with the bank. The charge was made on XX/XX/2021. The Wells Fargo representative Refused to do anything about the issue. So if I can't resolve it this way, I'm going to scour XXXX, Texas for an attorney to sue. At No point did I authorize Anyone to charge me {$200.00} for internet. The internet account that I was charged for isn't even in my name. It's in my XXXX 's name. Wells Fargo also charged me {$35.00} for the fact that the {$200.00} charged overdrafted my account by {$160.00}.

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 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/2021 I applied for a mortgage with Associated Bank. A few days later I received a letter indicating my FICO score. This letter indicated they were sending it to me because it is required and that they would contact me with further details about my application. On Monday XX/XX/2021 I sent an email to the loan officer introducing my self and asking if anything further is needed on my part. I did not recieve a response, through email or phone. After a few days had passed, on XX/XX/2021 I called customer service, specifically the mortgage center and spoke with them about my situation. The person stated he " can see from the computer that I applied 45 days ago '' and couldn't tell me why there has been no response. He said I can apply at another bank if I wanted to. He gave no other options or assistance. The following day, XX/XX/2021, I sent an email through the Banks " contact us '' section. I received a response stating that the complaint was received and will be forwarded. As of XXXX, 2021 I still have no response. No communication from the Bank or request for documents. On the day I applied they checked my credit score and that's it. If I didn't qualify, a simply courtesy note would have been fine. I could have gone somewhere else but I didn't want additional hits on my credit. I don't know why, after emails and phone calls they have not responded. Not a notice to cure or any response. I thought there was a law or something about that. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I was notified by my employer of my wages being garnished for a debt in the amount close to $ XXXXThis is a previously approved credit card of {$6000.00} 15 years ago? The Company is VISA ASPIRE. Never have I been in the presence of this approved credit at 20 years old. No credit history no full time job but my social security was hacked into and used to be approved for something I never had access to. There are unknown records of delinquency in XXXX and payments made towards this in XXXX. I called to locate this application and to ask for the proof of approval but they could not locate this account. Furthermore could not prove I have an account there. My " account '' was place with a collection agency XXXX XXXX XXXX which I have been sued for something I have no direct connection too. Please help stop this fraud and please relinquish this debt from my social security as it is damaging to my livelihood! I am doing my part on filing a claim and a police report to help my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using illegal tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: IL

Complaint narrative:
To Whom it may concern under 15 U.S. code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is idenity theft. A copy of the law is attached with this dispute letter. 
Concerning the account listed below as a consumer im demanding a deletion of this account XXXX  XXXX  ACCOUNT # XXXX

Company response to consumer: Closed with explanation