vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-12 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-12 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-12 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: VA

Complaint narrative:
I had financed furniture through American First Finance, with the agreement of XXXX semi monthly, then the date from XX/XX/20 - XX/XX/20 they took out 5 payments and another XXXX to close the account, I was told that the loan date was up XX/XX/20. Why would they give you a loan dollar amount that would not match the time of the loan? I tried to contact them and was told that since I was on auto pay they could keep collecting until the debt was settled. I do not think it was made clear at the time of the loan nor at the end that this would be happening. I do not know of any person that has 5 extra payments laying around for a company to continually take out. I had contacted my bank and they are working on getting the last 2 payments disputed, they were from saturday XX/XX/20 but they advised me that since i gave them permission to use my card, it may not help. This was after i knew that they had taken 4 payments out already. I want to know how this is legal. I did not authorize 5 pmts. I did authorize semi monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I had a routine medical checkup for lower back issues. As this medical practice was reported in network for my insurance company at the time, I only was charged a copay of {$25.00}. That was the last I heard anything in regards to this visit until I received a collection letter from Remex collection agency over 4 years later, in XXXX of XXXX. That letter states that I owe an amount of {$1300.00}. The insurance companies refuse to help or pay claiming that it was out of network and they claim that this was my responsibility as well. Once again, first time I heard anything about this. I dont think anyone would be happy or count it fair to send out a collections letter over 4 years later from a doctors visit. Im trying to refinance my home and this just lowered my credit hindering me from doing so. This is not fair or legal for any corporation to wrongfully and unfairly slap this on someones credit report. I had an attorney send a letter but they ignored that as well. Any help for restitution and looking into an unfair and shady practice such as this would be helpful to myself and any pat and future victims. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: OR

Complaint narrative:
responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX XXXX XXXX, XXXX  ( XXXX XXXX investigated your complaint. We closed the XXXX account ending in XXXX, ceased all calls and other collection communications regarding the account and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your dispute, we closed the XXXX account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 

Equifax is still reporting this account which actually was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 Capital One sent me a response letter from a previous complaint I filed through the CFPB. XXXX XXXX, stated in the letter that information needed to be submitted to get my accounts un restricted at Capital One. I submitted all information, XXXX has yet to reach out to me via phone or email regarding the accounts being un restricted and back to normal. All information was submitted that was needed. I never received a call from Digital Verification as stated in the letter. Again, all information was submitted that was needed. My accounts should not be restricted any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I bought a mobile home but my mobile home is not complete due to whats going on with the hurricane and the COVID-19 ... so I called that I wasnt going to be able to make my payment cause I had to quarantine ... and they said that they couldnt help me cause its a mobile home ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The account in discussion is Amex Account # XXXX the issue at hand is a late payment reporting in XXXX, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I got a text from this number XXXX. It gave me a number to call which was XXXX. When I called that number I asked them questions as to how they got my information they said that they couldnt tell me then they started saying that I owed a Loan from Check smart. I never did I get a loan from Checksmart or any other company Ive always had good credit my payday loans have been paid off they will not tell me how they got the information and Im not seeing any inquiry from Checksmart on my credit report. I will send any money or give out information UNLESS I KNOW ABOUT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to acknowledge FTC report document. XX/XX/2020 Equifax refused to use FTC report and police report with out informing me. XX/XX/2020 Equifax agent stated my documents were not used due to not be valid there nothings was done. I was not informed of this via letter. XX/XX/2020 Equifax refused to use my documents to open an re investigation due to the documents are scanning correctly in their mail department. Again I was not informed via letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We recently refinanced our mortgage and were transferred to BSI Financial. Our first payment we tried to make was on XX/XX/XXXX through their online payment portal. We received a confirmation number and never heard anything else. Usually my mortgage payments get taken out right away and says processing for the amount until it clears. It never happened with BSI so I checked my bank ( XXXX  XXXX XXXX ) and called them and they said that they never had any record of BSI trying to take a payment. I called and they said it could take up to 10 days to process. I called back on XX/XX/XXXX and they said that I had been charged a return check fee. I had no notification of this and in the portal it said my payment had gone through XX/XX/XXXX and that my next payment wasn't due until XX/XX/XXXX. When I called the second time on XX/XX/XXXX, I asked why my first payment did not go through. The lady mentioned that in the notes it said that the number was wrong and told me to pay again. I did and she said it would process by Monday XX/XX/XXXX. I called for the fourth time on XX/XX/XXXX and the woman on the line walked me through the routing number and account number that I used that she could see on her end. It matched my account perfectly. She even mentioned that she had no clue why it would have bounced and said maybe it was something on XXXX  XXXX XXXX 's side. She got me a waiver for the phone payment and ran the payment for me again. I called XXXX   again after my 40+ minute phone call with her and they said that it is XXXX XXXX so the mortgage department is closed at XXXX  but she said they had no record of any transaction or attempted transaction. I am beyond frustrated and just want to pay my mortgage. I have never had a single fee or a late payment and we are getting dangerously close to that point.

Company response to consumer: Closed with explanation