vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : 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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Went to XXXX XXXX XXXX, notified them that treating doctor referred me to another XXXX, they put it on my Credit Report XXXX, notified my attorney who sent the attach letter below. Now it is on XXXX and XXXX. Went to apply for an apartment and my Security Deposit was increased by {$500.00} this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
I recently submitted back towards the end of XX/XX/XXXX early XXXX of XXXX a Identity theft affidavit ( # XXXX ) ( to Experian, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. Experian and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition EXPERIAN failed to investigate my dispute by responding with report # XXXX for XX/XX/XXXX stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO EXPERIAN WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We are a XXXX  XXXX that preformed work for homeowner through their insurance company. The homeowner has a mortgage company that the insurance company had to attach to two checks for the mortgage company to endorse. The mortgage company has been supplied with all necessary documentation proving that the work has been completed. The mortgage company will not release the checks back to the homeowner to pay us. The work was completed on XX/XX/2020 and we sent the mortgage company a certificate of completion, up to date copy of W9, a copy of our business licenses and insurance, a copy of the signed contract between the homeowner and our company and photos of the before, during & after process of work performed. We have sent emails, faxes and have called every day to follow up with them and they will not process us payment. Please help us and the homeowner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
I had originally been contacted by debt collector AFNI about 4-5 years back for a debt of {$680.00} for XXXX XXXX XXXX internet service in XXXX XXXX. I have never resided in state of XXXX  and have lived in XXXX area my whole life. I communicated this to the debt collector and contacted XXXX XXXX as they had put a deragotary mark on my report which lowered my score. I filed a complaint and went through a two month process to have this removed from my report. Every year since this debt collector places this debt in collection on my report and I have to go through the same process over and over again. I have stopped contacting the debt colllector because they will not be reasonable and have opted to harrass me every year with a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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:
SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX XXXX XXXX   VIOLATIONS FILED AND SENT

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV

Complaint narrative:
Bought a XXXX with now ex-husband. XXXX ordered he took over the XXXX and payments. He didnt, XXXX was repoed. All this was in 2017. This year I got a letter a debt collection company is suing me for the money. Never even heard of them company or was told itd be transfered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT

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 2020-05-29 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:
SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.Discover charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: The B & F Corporation d/b/a OK Loan Service
State: OK

Complaint narrative:
On XX/XX/2020, I submitted a online loan application to XXXX XXXX XXXX for the minimum per website advertisement amount of {$160.00}. 
When I got the approval call, I was told a starter/credit build amount of {$50.00} was approved. 
I called back todayXX/XX/2020, after reapplying online for the remaining {$110.00} to ask if their system reflected that I'm a previous customer in good status and if my approval could now be increased to {$110.00} more which would've matched their lending minimal guidelines per their website and owe {$160.00} instead of {$50.00} that I'm paying onXX/XX/2020 and was told " NO ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried link my debit card to XXXX  account to receive money back when making purchases ; pnc is preventing me from doing so during this pandemic. Only allowed to like account using routing number but unable to link debit card. Debit card is needed since I use my debit card for purchases and not account number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Informed Equifax that the XXXX XXXX from XX/XX/XXXX was an error. I bought a couch on XXXX. As I was checking out there as a link to their Credit Card. I simply clicked on it to see what the interest rate would be and then I went back to completing my purchase with my XXXX account. I contacted Equifax and they suggested I call the creditor. I contacted XXXX XXXX  and they did their own investigation. They sent me a letter on XX/XX/XXXX that they would contact the credit bureaus to request the item be removed from my reports. XXXX has removed the inquiry but Equifax has not. I have contacted them numerous times and sent them a copy of the letter but they have done nothing. My first " case '' was closed without resolution so I started a new one. I went through all the same motions and was contacted by the second " customer care '' representative XX/XX/XXXX. She has asked me to give her the details of my complaint.I haven't heard a word since. It's extremely frustrating and I'd love for you to help me get this rectified once and for all. Thanks very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX I received my monthly statement by mail with a due date of XX/XX/XXXX. The statement received was past due the date due. I called in directly to the credit card company to inquire if there were delays due to COVID19 in their mailing process. I was told that they dont know, but could not and would not look further into the issue or refund late fees or interest that occurred due to this delay. I was transferred by request to supervisor XXXX, ID : XXXX. XXXX was aggressive and rude, rather than seeking resolution or offering assistance to further prevent this occurrence from happening in the future that I was looking for. He stated that because I choose postal mail as my method of billing its my problem, as well as because I elected in XX/XX/XXXX to waive a late fee they could not waive the fee due to their once a year policy. I have been a customer since XXXX maintaining excellent credit and paying my balance in full. I feel this decision was made purely to exploit the consumer.

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 2020-05-29 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: FL

Complaint narrative:
I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. XXXX  and Trans Union were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either Trans Union or XXXX. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or 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 2020-05-29 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: FL

Complaint narrative:
I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. Equifax and XXXX XXXX were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either XXXX XXXX or Equifax. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Due to covid I was unable to pay off balance before promotional period of XX/XX/2020. Balance remaining was XXXX now its back to XXXX and 28.99 percent interest rates. I would have paid off with taxes but was unable to file due to covid. I have never missed or been late on a single payment in 24 months. It would have been great if I could just gotten an extension on promotion due to covid for 90 days so that I could have paid the balance with taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX   ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation