vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: GA

Complaint narrative:
I've disputed the following account several times directly with XXXX and with Experian credit bureau. This account was removed and reinstated by Experian. The representative from XXXX refused to respond to me as to the validity of the account. Experian claims that they are verifying the account, although they refusing to show me any proof of who they talked to or how they verified the account 's accuracy. 

XXXX XXXX  XXXX Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$21000.00} No. of Months ( terms ) : 60 High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$21000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/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 2020-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX, a division of Webster Bank, N.A., instituted a policy to require XXXX USD dollars to be present in the saving account at all times. They have added a restriction which prevents transfers that would bring the balance below a XXXX USD. In effect, they have limited my and others access to these funds without due cause to myself or to any other account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
These are not my accounts. Please remove them.

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 2020-07-14 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
Convergant Outsourcing is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & Convergant Outsourcing letter to me. Dates not matching, XXXX  and XXXX  states account was open XXXX but Convergant Outsourcing clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help 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 2020-07-14 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: SC

Complaint narrative:
XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX  report & XXXX XXXX letter to me. Dates not matching, Experian and XXXX   states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help 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 2020-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Today America First Credit Union seized a car that i signed over to another party because their information states its in my name i informed them as well im in the process of filing for bankrupcy and they still proceeded with debt collection activities fully in violation of the fdcpa. I need assistance in retrieving the vehicle and filing a claim for the fdcpa violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 received a payment on my child support card from my ex husbands stimulus check. Since i had not received a payment in years the card that i have at home was expired, which automatically generated me a new card. Well i never received the card. I call twice about not receiving the card. On Friday XX/XX/XXXX I called and requested the card be express mailed since i had been waiting for my card that was allegedly sent XX/XX/XXXX according to the website. The gentlemen told me that it would be {$14.00} and some change and I would have my card on Monday. He also stated that I would get a tracking number. Well neither happened but they did charge me out of my child support and still did not send the card. I need my money and it is illegal for them to hold it XXXX the way that they are.Now my accounts listed a fraud and I can not log in or call anyone about it because it says they can not connect me. Can you pleas help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NY

Complaint narrative:
I have reached out to XXXX XXXX around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that Experian had listed on my credit report, that I'm missing a payment with them. XXXX XXXX had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to Experian many times about this inaccurate data they are reporting but they refuse to resolve this 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 2020-07-14 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about? 

I was sent a list of charges from enhanced recovery XX/XX/2020. 

Enhanced recovery is reporting late payments on this collection account which is not accurate reporting. 

I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020. 

Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft.

I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I chose to make 2 payments to cover XX/XX/2020 mortgage payment with additional money going towards principal. On XX/XX/2020 I submitted a payment for {$2200.00} to Freedom Mortgage. I made the second payment on XX/XX/2020 of {$1700.00}. This would be a total sum of {$4000.00} to cover my mortgage payment of {$2900.00} + {$1000.00} towards principal for XX/XX/XXXX. The system interpreted differently and directed all {$4000.00} toward principal bring my mortgage balance to {$420000.00}. I immediately called in and it was modified bringing my total balance to {$430000.00}, but they had reported the balance of {$420000.00}. The next month when my credit report was updated, my credit score went down significantly stating my balance increased for Freedom Mortgage by more than {$2000.00}. 

I submitted a dispute to XXXX  but did not see my credit report updated. I would like my credit score to be updated accordingly. I share the mortgage with an individual and that individual 's credit score was also negatively affected. We both expect this to be fixed with an update to our credit scores. 

I was not delinquent or late on my payment which would have caused a negative impact on my credit score. This was all caused from wrong information being reported.

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 2020-07-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have reached out to American Express around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that XXXX had listed on my credit report, that I'm missing a payment with them. American Express had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to XXXX  many times about this inaccurate data they are reporting but they refuse to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TX

Complaint narrative:
I closed my XXXX account in XX/XX/2020 and now XXXX is reporting late payments to Transunion for XX/XX/2020 as 30 days late. I have called multiple times and sent XXXX   support thru XXXX  the documentation. XXXX states its Transunion that is reporting wrong information and I need to calI Transunion. I have also disputed the late payment with Transunion with no resolution. It is a back and forth with XXXX 's blaming Transunion and Transunion stating the debt is validated by XXXX. Please see the attached documentation from XXXX stating no degatory payment on my account in 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 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
Back in XXXX, 2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, Experian and XXXX XXXX credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither Experian and XXXX XXXX did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my Experian and XXXX XXXX credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently 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 explanation
Consumer complaint received 2020-07-14 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: TX

Complaint narrative:
XXXX  account number # XXXX showing in experian does nt belong to me.I kept calling experian and filling dispute and they never fixed it and I never got any debt verification letter despite numerous attempts

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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX Unauthorized charges : ATM XX/XX/2020. XXXX, AZ for XXXX XX/XX/2020. XXXX, Az for XXXX XX/XX/2020. XXXX, Az for. XXXX I reported my card missing to them. 

Funds credited : XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020 fee charge of XXXX XX/XX/2020 fee charge of XXXX I call bank several times to fix it. After several times they would hang up on me. Last call lady said you have to pay us back for the lost. It does not matter how it happened. I ask lady is this what u do make people that work hard pay back money that is there money. She said u lost your card. I said yes, I reported it. I ask them when they credited the funds back if I were okay. Fraud division said no worries u are okay. They l did not tell me the truth. This is wrong. Im upside down with my bill now because of this. Its not far. I stopped by little school pension from going in. She told me they were going to take my money from me. Can u please help me. 

Bank of America

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2020-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NJ

Complaint narrative:
I wrote a letter to Trans Union LLC Dispute Center on XX/XX/2020 and XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 report # XXXX that the accounts were verified. I asked for a description of your procedures in detail ie.. who you spoke to, contact #, address etc.. on XX/XX/2020 and they you failed to respond with the information requested. Instead they sent some generic computer generated response. The account in question is XXXX  XXXX XXXX account balance {$1900.00}

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 2020-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
my mortgage servicer did not pay my taxes and escrow money for a year and now I got to pay it with my mortgage payment in which I am struggling to pay this because of the double amount I have to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 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: GA

Complaint narrative:
I've disputed the following account several times directly with XXXX and with Experian credit bureau. This account was removed and reinstated by Experian. The representative from XXXX refused to respond to me as to the validity of the account. Experian claims that they are verifying the account, although they refusing to show me any proof of who they talked to or how they verified the account 's accuracy. 

XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$21000.00} No. of Months ( terms ) : 60 High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$21000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/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 2020-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OR

Complaint narrative:
Hi my name is XXXX XXXX, Someone filed an unemployment claim under my identity with the Ohio Unemployment Department. I am an Oregon resident and have been my whole life. I have never been on unemployment before. This is fraud. I even called one of the numbers on the pamphlet and the card isnt even associated with my telephone number. I made a change so it is now to : XXXX. 

Please someone contact me regarding this. You can call or email me : XXXX or 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 non-monetary relief