vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed several inaccuracies on my credit reports for XXXX, XXXX  and Experian and have not heard back from them in over 60 days.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to remove collection account from my credit file. Collection company told me that they deleted the account from my credit file 3 weeks ago. The collection company said the deleted through e-Oscar several weeks ago. Equifax has continued to state they haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The payment for the loan payoff to Ally was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and Ally still reported my loan late 2 weeks later from the email they sent 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 2020-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

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 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I paid {$690.00} for a XXXX XXXX XXXX to XXXX XXXX on - line. As soon I I sent payment they started living to me about sending my contract. Then I asked for them to cancel the transaction and refund my money. They still haven't sent me a frefund or responded to any of my requests.

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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare LLC does not apply my payments correctly. I have submitted several complaints through this site, yet the problem is never fixed. Nor do I get a response from the 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 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
For the past couple of weeks, XXXX XXXX has been texting and calling me and my family from different phone numbers about this alleged debt that was never validated. I was never given notice of the alleged debt nor given the opportunity to dispute this information. When I requested for the statements to be mailed to me, they demanded that I must pay over the phone first. They also said that they will not stop contacting me and my family until I pay them. I told them several times that they are in violation of the Fair Debt Collection Practices Act by harassing me and my family with incessant texts and calls. After informing them, they became hostile and said that they will not stop calling once I pay. Just today alone ( XX/XX/20 ), I received these communications : - XX/XX/20 at XXXX PT : Received text from XXXX to call XXXX about issue reference # XXXX - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt I was emailed this validation letter, but it's missing these key statements as outlined in the Fair Debt Collection Practices Act : - A statement that unless the consumer, within thirty days after receipt of the notice, disputes the  validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; - A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and - A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The payment for the loan payoff to XXXX was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and XXXX still reported my loan late 2 weeks later from the email they sent 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 2020-10-23 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: GA

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have called the collection agency several times informing that they are reporting the wrong amount. My credit originated with XXXX XXXX XXXX   they have charged off account with XXXX however, LVNV is fraudulent reporting XXXX I have Dispute this charge with XXXX XXXX, XXXX, XXXX and they concluded an investigation and updated my files with the same XXXX disputed. LVNV is conducting an investigation of there own however no update has been posted,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
To Whom This May Concern, I contacted Comenity Bank on XX/XX/2020 and reported that the credit account ending in XXXX was a fraudulent account. I informed them that someone opened the unauthorized card in my name without my knowledge. I was will to cooperating by filing a police report to validate my claim. I was told to not file any reports and someone from their asset protection team would contact me by phone or mail to gathering any supporting documents I needed to complete the investigation. I received a decision letter in the mail on XX/XX/2020. They stated they concluded the investigation and the account is mine.

I was never contacted for any supporting documents or asked to fill out any identity theft forms. So how was the account investigated. I request to see the method of investigation. Where did they gather their information to validate this account?

I have placed security freezes on my credit reports. I now monitor my credit closely for any unauthorized accounts opened in my name. Identify theft is one of the hardest things to clear up from the consumer standpoint. Everyone thinks you are lying. I demand that this account be removed from all credit bureaus because a through investigation was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My citi bank credit card that I had a {$4400.00} credit limit dropped my credit limit to {$800.00} the month our world was devastated with the pandemic & shut down & stocking up on vital medications & necessities Were Perative. Decreasing my limit in the amount of {$3600.00} when I needed to buy essentials & needed my credit card in an emergency situation & I had not one time been late or ever missed a payment in all the years I have had this credit card. They would not tell me why they did this or why The huge drop & they wouldnt correct it & change it back

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 2020-10-23 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2020-10-23 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: VA

Complaint narrative:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX    XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX 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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I did not request a debit card from U.S. Bank ReliaCard. I want these mailings to stop. Anyone could have stolen my mail, and used it to commit fraud in my name. I deeply resent these kinds of mailings. Can't you do something to stop them? Please!

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
CONVERGENT OUTSOURCING has placed derogatory marks on my credit report in attempting to collect a debt that is not valid, on behalf of XXXX XXXX. Documents attached will show that on XX/XX/XXXX I began to communicate with XXXX XXXX regarding incorrect statements made to me in securing my business, and incorrect billing that began immediately thereafter. And over the remainder of my business with XXXX into early XXXX, I continued to contact XXXX XXXX while being swapped from rep to rep, put on hold, told I would be called back without any response. Documented is another call in XX/XX/XXXX where I again attempted to reach a resolution with XXXX regarding the billing but was left waiting for a call from a manager to reach a resolution. All of this time they were offering to give me a credit when I pushed for the bill to be corrected but never would adjust the actual bill. And I do not believe I owe any monies to 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 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I originated a loan with Conns HomePlus - financed amount of {$4800.00} for 29.97 % at {$21000.00} month for 34 months. Payments have been made consistently until furlough caused by COVID-19. During that time I received a minimum of 20 calls per day every day ( without VM message ) if payment was not received by the XXXX of the month. On XX/XX/XXXX I contacted a Conns and spoke with supervisor XXXX XXXX to see there were any temporary or permanent assistance available. He stated that the loan would be refinanced for XXXX for months at the same 29.97 % interest at {$150.00} per month starting XX/XX/XXXX with a payment of {$150.00} ach initiated by Conns on XX/XX/XXXX. After the payment cleared I was continually harassed with calls from Conns so I contacted a supervisor on XX/XX/XXXX to discover that the refinance had been rejected and I was not informed. They apologize for inconvenience and said they would submit it to their refinance department for reconsideration. The next day XX/XX/XXXX I called back they pushed it through with an increase of interest rate by almost 10 %. They said thats all they can do. This is ridiculous. At this point Conns has caused me to be late which will affect my credit due to no fault of my own, as i was made to assume that the original refinance on XX/XX/XXXX had occurred. Through their deceit, I am now stuck with the remaining balance of XX/XX/XXXX payment as well as one that is now due for XXXX putting me in an additional financial hardship that I would not have been in if not for the predatory practices. This company lies, makes false promises, steals, and takes advantage of people affected by COVID-19. Those practices must be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I spoke with the collector agency and they said that they have already reported to the credit burue about this issue in my credit report and they are the ones that are not removing this from my credit

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
Company kept calling saying a debt was mine when I never had this debt at all that is being claimed I owe as well as reasoning for natural disaster is a lie! I do not have a natural disaster going on where I live and this debt isnt mine! They kept calling harassing me and insisting it was.

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 2020-10-23 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: Conn's, Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation