vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: Cedars Business Services, LLC
State: NJ

Complaint narrative:
I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, XXXX XXXX XXXX, and Cedar Business Service, LLC for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX  who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, Sa-Vit Collection agency, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.

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 2020-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
This company has engaged in a very deceptive, predatory loan practice. I am being charged interest of {$7900.00} on a {$7000.00} loan. This was not clearly outlined in the online process and all of the payments so far have barely moved the outstanding balance. I have contacted the company many times with no response. This loan needs to be review and adjusted. My account number is XXXX. Loan with this type of interest should be illegal as this is equivalent to an online payday loan which is not legal in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I called CMRE XX/XX/2020 in regarding to dispute the validity of the debt that isnt mine the representative by the name of XXXX was abusive and racially used the word gal as I corrected her to be professional she stated stop being a dramatic XXXX and gave me account number # XXXX and hung up the phone in my face after I said that they are violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I tried linking my XXXX account with my pnc account ( which i need to do in order to start investing with XXXX  ) and it said that pnc " made a change '' which i dont know what it means and it didnt give me any information regarding it, this issue needs to be resolved if i am to use pnc services going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Im in the process of getting a mortgage when it came up by the mortgage broker that I have late payments listed on my closed Santander account for XX/XX/XXXX and XX/XX/XXXX. I filed disputes with all the 3-credit reporting agency, and they all responded that the data is correct and to contact the company that furnishes the data, Santander Consumer. I contacted Santander Consumer Customer service on XX/XX/XXXX and the person I spoke with, XXXX Emp # XXXX, said that she doesnt see why they are showing as late payments and spoke to her manager. After returning, she said the manager said I  would have to write a letter to have them investigate, I explains Im in a time crunch and would like to talk with the manager. After 25 minutes of waiting, I was able to speak with the manager, XXXX and explained that I dont have the time to send a letter and wait for a response since Im in the process of getting a mortgage. After explaining that that sending a letter was not an acceptable solution since its not my fault, they are reporting fraudulent data. She eventually was able to transfer me to her supervisor, XXXX ( XXXX?? ) who was very nice and helpful. She took her time to listen to my problem and asked for the details and said she would email the department to investigate the reporting issue and would get back to me ASAP but no latter then 72 hrs., with an answer. Here we are 3 days after the 72 hrs. and after spending almost 2 hours on the phone with them on XX/XX/XXXX, I still have not received any emails, calls, voice mails and/or texts. I spoke with an attorney and she said the only options Santander really has is to either corrected the reporting or just delete the tradeline, this needs to happen ASAP since this is hurting my creditworthiness and them not doing anything means they are being negligent. The consumer reporting agencies didn't add the Santander tradeline on my credit report, Santander did and by law they are REQUIRED and RESPONSIBLE to furnish information that's accurate and complete. 

I have included a copy of the errors on my XXXX report but also have online reports from XXXX & XXXX XXXX showing its not just an issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I try to login into the Zelle app and I am getting this login error and it won't let me login. I then contacted Zelle to see what happened and they told me that the verification process could not be verified for some unknown reason and my account would be locked for good. Makes no sense at all knowing that I have always been sending and receiving payments through Zelle and now all of a sudden I can not? They stated no reason as to why, and I called my bank that I used with Zelle and they said that my account is fine and it is in fact a Zelle issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent me an email of an Adverse Notice of Credit Limit Reduction from {$19000.00} to {$1000.00} stating as the reasons that Experian had reported the following : ( 1 )  High utilization of revolving credit accounts ( 2 ) One or more accounts with balances that exceed my credit limit ( 3 ) Credit report indicates a serious delinquency on one or more accounts and ( 4 )  Recent decrease in my FICO score. 

I attempted to get my Experian Credit Report first through XXXX on XX/XX/XXXX. I then tried Experian directly on XX/XX/XXXX, XXXX, XXXX and XXXX, each time after identifying myself and answering their security questions was denied online access to my report. 

On XXXX, after an hour 's wait I finally was able to talk to XXXX and XXXX of Experian @ ( XXXX ) XXXX who explained to me that because I was not in the U.S. I couldn't gain access to my report online. I asked if I could request a " hard-copy '' sent to my mail-forwarding address and just got a " maybe ''. I just mailed my request for that on XXXX. 

With 9 million Americans living abroad, I find it incredulous that we have NO RIGHTS to be able to face our accuser, Experian, and have an opportunity to question the accuracy of information that has been reported. Otherwise we are at the mercy of Experian with no way to correct or challenge what is in our credit files and BAD credit information will follow us no matter where we are in the world even if we become a victim of identity theft. 

Without access to credit report, in whatever form, I can not defend myself from XXXX XXXX ' XXXX action, or anyone else who may take adverse action. 

I understand that Experian has to be vigilant in protecting the process of access, but after 8 security questions you would expect that you've properly identified yourself and should be granted access.

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 2020-08-05 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: TX

Complaint narrative:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Equifax. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Equifax consumer file. All information in pursuant to the FCRA section 609 should be mailed to 12101 XXXX XXXX XXXX  XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX. 
Account Name XXXX  XXXX. 
Account Name XXXX XXXX . 
Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently got a copy of my credit report and I notice that some of the information reported was incorrect. i contact the creditors and the credit bureau and asked for any information bearing my signature. As of today I have not receive any documents with my signature on it. Please help me with these issue.

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 2020-08-05 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:
On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX XXXX  in XXXX Calif and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus Experian, XXXX and XXXX. This fraud alert was placed on my profile by XXXX  XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I applied for a loan and a unknown account was place in my credit report, How is possible Equifax report an unknown collection which doesn't really make sense what's the creditor name address or phone number How could I possibly match this to anything when there's nothing to identify Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this account can not report, How could I possibly match this to anything when there's nothing to identify

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
This is regarding Flagstar 's violation of Servicing Rules for Successors in Interest. 

After attempting to talk to someone at Flagstar on the phone, for several months, on XX/XX/2019, I notified Flagstar loan servicing department regarding loan XXXX, " This loan is in my ex-husband 's name but I got the house in the divorce. I am aware he is behind on payments - what can I do to get the loan into my name? " .I never received a response from them of any kind. 

It wasn't until XXXX, when I was made aware that the house might go into foreclosure that I was advised that my ex-husband needed to execute a third party authorization in order to speak with me since my name was not on the loan. On XX/XX/2019, I sent the requested signed document to Flagstar. 

The loan was modified in XX/XX/2019 ; however, it has come to my attention that Flagstar should have contacted me when I notified them in XX/XX/2019 as to what my courses of action were to get the house transferred to me. Had this been done, I would have taken care of that ; the house wouldn't have fallen into foreclosure and I would not be looking at a home loan that is more than {$10000.00} greater than the original loan due to my ex-husband 's violation of the court order for support payments, subsequently resulting in lack of payment.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
CITI CARDS XXXX XXXX XXXX XXXX PA XXXX Member Since XXXX Account number ending in : XXXX The company on his own produced false justification to cancel fully paid off credit card with {$18000.00} credit limit and XXXX due balance. A silly alarm was given at charge {$99.00} to XXXX I am using at least 10 years. In XXXX there was no issue. In XXXX the same transaction is causing cancelling the card. Total ridiculous treatment of messy agents providing 'excellent customer service '. They can not understand that someone works in XXXX and has two ( 2 ) properties in USA. The card was mostly used to pay insurance or transfer balance if an 'low interest ' offer came. Subsequent interest rate increases to 25 % p.a. despite of timely payments for over 20 years.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date - XX/XX/2020 Amounts - Unknown I received an email from Experian that my dispute had been submitted, " You have opened a dispute on your Experian credit report. '' However, I did not open a dispute. When I selected the " not you '' option on their website, it said, " If you don't recognize this activity, contact us. '' phone number is XXXX. When I called, it was just a recording and phone tree about memberships and fraud, there was no option to speak to a human or to get report an issue. So the problem is, ( 1 ) I didn't file the dispute, ( 2 ) there isn't a way to find out how or what the dispute is about, ( 3 ) Experian 's customer service is a dead end and useless when it comes to fixing a problem within their own system.

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 2020-08-05 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
For a little over a year i have been trying to get information about something that is reporting on my credit report. I have mailed letters and called this company over 15 times and i have talked with managers, collections, customer service reps etc. and i get told the same thing every time. " Sir, we have no record of you in our system at all and we don't know why its reporting to your credit report, you should file a dispute '' I even offered to take care of the balance, but they have NO IDEA who i am in their system. you can pull the " recorded '' calls and verify that i am telling the 100 % truth. 
So I fill the dispute and then i get " everything is reporting accurate '' I am genuinely confused with everything and i don't know what else to do. This fraudulent account that is being reported on my credit is keeping me from being able to buy a house refinance my auto loan for a better rate and so much more. Please help me get this removed from 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 explanation
Consumer complaint received 2020-08-05 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: AZ

Complaint narrative:
Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX  account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AZ

Complaint narrative:
Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX XXXX  have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.

Company response to consumer: Closed with explanation