vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: RI

Complaint narrative:
I have sent a total of 3 letters to XXXX  and Experian in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both XXXX  and Experian  have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to XXXX  and Experian  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both XXXX  and Experian. Despite my 3 written requests, the unverified and inaccurate accounts still remain 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 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I do not know who this collector is trying to contact me on behalf of, they only make threats and do not provide information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because XXXX  and Experian has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX XXXX  - Bal : {$0.00} ( XXXX  Only ) XXXX XXXX - {$1100.00} ( Experian & 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 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: GA

Complaint narrative:
XX/XX/2019, two accounts were opened under my name at CONN XXXX. One was for {$11000.00} and the other {$2500.00}. I called them XX/XX/2019 and told them that it was fraud. I filled out an Identity Theft Victim 's Complaint and Affidavit in XX/XX/2019 and a Police report in XX/XX/2019. After many attempts, XXXX XXXX in the fraud department at CONNs Appliances denied my claim. After many many disputes, the two credit cards are still showing up on my credit report. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XX/XX/2020 I reached out to Convergent Outsourcing to validate a suspicious account on and they did have failed to provide the documentation requested in my original dispute. There response is unacceptable and I have requested them to cease and desist, stop all reporting and all attempts to collect this debt until validated.

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 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
DYNAMIC RECOVERY SOLUTIONS ( DRS ) CONTACTED ME ABOUT AN EMERGENCY ROOM BILL THAT I DO NOT OWE. 

THEY SAY I OWE {$920.00} FROM AN ER VISIT IN 2014. I WAS AN XXXX XXXX IN THE XXXX AND ALL MEDICAL EXPENSES ARE PAID. 

THIS COMPANY IS A FRAUD AND IS HARASSING ME FOR A DEBT THAT I DON'T OWE. 

I RECIEVED A LETTER TODAY, XXXX XXXX, AND THE DRS REFERENCE NUMBER IS XXXX. 

DRS PHONE NUMBER IS XXXX. 

DRS IS WORKING WITH ANOTHER FRAUD AGENCY NAMED XXXX XXXX XXXX XXXX, XXXX. REFERNCE NUMBER : XXXX. PHONE NUMBER XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: NV

Complaint narrative:
I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from Experian and XXXX. I do appreciate XXXX  responding to some of my concerns but there are still some inaccurate items that need to be resolved.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: SC

Complaint narrative:
Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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:
Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2020 a XXXX  payment was made to XXXX, little did we know that this would be a scammer but once we found out we went to the bank immediately and reported it. But Chase was unable to assist us, when I place my money in the bank I am expecting 100000 % security that if something goes wrong they have my full support if not dont provide me a service that doesn't guarentee protection. I called XXXX and they are investigating but Chase couldn't do anything for fraud on my account. {$500.00} lost my husband unemployed due to Covid and I can't afford lost money. I find this to be unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.

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 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  XXXX on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXX  and TransUnion. I do appreciate XXXX responding to some of my concerns but there are still some inaccurate items that need to be resolved.

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 2020-12-03 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: NV

Complaint narrative:
I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXXXXXX and XXXX. I do appreciate Equifax responding to some of my concerns but there are still some inaccurate items that need to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Santander Consumer USA is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: WA

Complaint narrative:
I have a Washington Employment Security XXXX  Prepaid account. On XX/XX/2020 at or around XXXX I logged on to my online account and found transactions that were dated XX/XX/2020 as follows : Funding Transactions ADD FUNDS - ACH  FED Card No Amount IDES  CARD PAYMENTS XXXX {$740.00} Card Transactions MC  PURCHASE Card No Amount XXXX.XXXX  XXXX, XXXX - {$110.00} XXXX Fee Transactions XXXX   XXXX XXXX XXXX Card No Amount XXXX XXXX, XXXX - {$3.00} XXXX I quickly investigated ( online search ) and found out the funding source was the Illinois Department of Employment Security , the transaction is a XXXX women  's online clothing store and the subsequent international fee. 
I called my bank I was on hold for more than an hour to no avail. During my hold I refreshed my logon and the transactions were gone. The card number for the transactions as never been held by me I still have my original card from years ago. Also I have yet to see my funds deposited today as the are normally available every Thursday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank 's response to the attached CFPB complaint ( XXXX ) did NOT solve the issue at hand. 

Because they did not tell me that my letter was received, but needed additional information, another account appears to be closed. Comenity closed my Victoria 's Secret Card as a 'charge off '. Because Comenity was negligent in receiving, processing, and informing me that additional information was needed, they are responsible for the adverse account status. 

I have attempted MULTIPLE TIMES to provide them with the letter they needed to remove the cease and desist notation on my accounts. I have called MULTIPLE TIMES and not once did anyone mention that my letter was received, but they needed additional information. 

PLEASE SEE THE ATTACHED LETTER NEEDED TO RESOLVE THESE ACCOUNTS. My phone number is on the letter. I will not be writing another letter to Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is follow up complaint previously submitted on XX/XX/2020 ( XXXX ) against Nationstar Mortgage ( dba Mr. Cooper ). Unfortunately, you have closed the previous complaint without any resolution. I spoke to your staff around XX/XX/2020 and he agreed that the issue on my complaint has not been addressed by the respondent and I've been advised to submit another complaint or seek legal counsel. I am taking this route for now. 

On XXXX XXXX, 2020, I sent an an email to Ms. XXXX XXXX, the respondent of the complaint from Mr. Cooper company to follow up if she can address the issue on the complaint, but to date, she has not responded. In that email, I explained to her that I was overcharged interest when they closed my mortgage after a refinance. Prior, I had been paying my mortgage regularly on the XXXX of the month, which in this case, last payment occurred on XX/XX/2020. Our refinanced mortgage through XXXX XXXX XXXX XXXX closed on XX/XX/2020. Mr. Cooper charged me interests for the whole month of XXXX. I believe I should have only be charged interest from XX/XX/XXXX to XX/XX/XXXX. There was no other arrears involved because I had never missed nor delayed any payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want my credit report unfroze so that I can get two credit cards. XXXX is for XXXX, the other for XXXX. Equifax was impossible to deal with. Primarily, the women on the phones accent is terrible and not understandable. Equifax can continue to freeze once I get the credit approved. 

Resolution : give my credit scores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4digits of my SS card. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

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 2020-12-03 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: CT

Complaint narrative:
XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CT

Complaint narrative:
XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

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