vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: DC

Complaint narrative:
Transunion continues their lies, fraud and iLlegal activity by not investigating my complaints of fraud by XXXX XXXX and XXXX XXXX XXXX, two fraudulent illegal companies committing fraud and illegal activity by placing fraudulent illegal amounts on my credit report. transunion refuses to investigate and PROVE i owe this money which I do not!! I do not owe westlake or XXXX XXXX XXXX any money! Transunion continues to LIE and state we investigated the amount which they didnt. Transunion has NEVER proved how they investigate or provide me a copy of their INVESTIGATIVE report, WHICH IS VIOLATING FEDERAL LAW!! Transunion continues to LIE and violate section 609 of FCRA which specifically states any alleged debts must be proved in writing. Transunion HAS NOT!! they do not investigate this matter NOR provide to me WRITTEN proof of the investigation AS REQUIRED BY LAW!! REMOVE XXXX XXXX AND XXXX XXXX XXXX FROM MY CREDIT REPORT IMMEDIATELY!

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 2021-11-02 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: MD

Complaint narrative:
This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit 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 2021-11-02 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: MD

Complaint narrative:
This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MD

Complaint narrative:
This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit 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 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
XXXX and XX/XX/XXXX ( 60 days ) Disputed XXXX XXXX with Veterans Administration. XXXX XXXX XXXX XXXX XXXX was Given Proper Billing information via Drivers License, XXXX  XXXX XXXX upon Entry to ER in XXXX of XXXX. Veterans Administration XXXX XXXX XXXX XXXX XXXX for 'Inpatient Treatment ' from XXXX XX/XX/XXXX thru Mid XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sent bill to collections rather then VA Administration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX  XXXX XXXX in XX/XX/XXXX. I have ben up-to-date with all of my payments. Toyota recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were two payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted Toyota Financial Services to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and XXXX. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with Toyota, XXXX and XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I visited my local Chase Bank to add my son as beneficiary to my account. The bank employee made a mistake an entered my social security incorrectly to the document. A few days after my visit, I received an email from Chase Bank that my social security number had changed. I worried it was a scam, so I sent a secure message to the bank. They acknowledged sending the email and told me to call XXXX number. I called and could not access account using last 4 digits of my social security number. This occurred on XXXX. Since then I have requested help from them. I received a letter a few days ago asking I complete a XXXX and another form requesting Social Security verify my number. I don't understand why they are asking for completion of these documents. They entered my social security wrong on the document prepared by their employee. Why can't they re-enter the correct social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I reached out to Nordstrom also i spoke with them so many times also send letters in what they asked for they responded back with another account I dont have no knowledge about the correct account Im complaining about is account number XXXX i was the open the account in 2015 but someone got my account and made charges my wallet was stolen out my car my identity been stolen before prior to this and all Im asking for is the charges i didnt make be removed and my account be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
PER THE FCRA 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 

During the process of reviewing my credit reports I have come across some discrepancies in regards to 2 XXXX XXXX XXXXcounts you are reporting as accurate. The account number is different across all 3 credit bureaus, the date opened is different, high credit limit is not consistent, past due amounts are reporting different, date of last active and date of last payment are all not accurately reporting! I sent this letter out to you all XX/XX/XXXX certified mail I have also been disputing this account for the past FOUR months are all three bureaus continue to come back " verified '' with all different information. Being that this violates FCRA requirements please delete these XXXX XXXX  accounts ASAP. Other letters that I have sent in regards to this account is two verification letters, method of verification and factual disputing. There is no way possible that THREE credit reporting agencies that are suppose to thoroughly investigate accounts still come up with different information! ONE ACCOUNT FURNISHED BY THE SAME FURNISHER SHOULD DISPLAY DIFFERENT INFORMATION! I would like to remind you of XXXX XXXX EXPERIAN INFORMATION SOLUTIONS, XXXX. ( XXXX ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer instead just took the debt collectorXXXX word.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is putting an irrational and excessively long holds on my money/deposits in my Business checking account. This is absurd, fraudulent, and harmful to me, my business and my credit report! See attached document, showing a hold/pending credits of {$3500.00}!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: MN

Complaint narrative:
In XXXX I made payment arrangements with American Education Services, after the last payment I received a new statement saying the debt was not paid as per our agreement, and I owed more than when I made the arrangements. All of my student loans are on deferment, and have been since XXXX. I just received a new letter attempting to collect this debt, even though I received notification that all of my student loans are suspended until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to 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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, you keep reporting this inaccurately to the credit 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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Honestly, CFPB, I am thankful you exist to turn to when not receiving reply from the servicer, SLS. ( Specialized Loan Servicing ) Included herewith you will find my TIMELINE of calls made to SLS one XXXX XXXX without reply or ability to speak with MS XXXX albeit she was on the line with the representative with whom I was speaking. 
Then calls to SLS Included please find my emails with enclosures of photos of the soaking wet damaged XXXX parcel from SLS XXXX XXXX with NO REPLIES. 
NONE. 
Even the email with sujbect line marked URGENT URGENT URGENT had been ignored, it appears. 

# 1 ) What was in the SLS XXXX envelope? 

# 2 ) What is the result of the SLS ordered agent XXXX? 

# 3 ) Why is no one calling back or emailing or REPLACING THE XXXX  that was damaged ( again, photos enclosed )  # 4 ) What is happening with the NEW SHORT SALE resubmitted, as requested by SLS with ALL documents provided as requested?

# 5 ) We need answers so as NOT TO HAVE the SHORT SALE EXPIRE AGAIN as it has in the past.

PLEASE know this is unbelievable as SLS has a staff with departments and people to handle their emails, calls and requests. 

This is my FULL TIME JOB just trying to get through to SLS or get answers to my questions cited above. 

I'm certain you are tired of hearing from me and I am not delighted to have to bother you again, but, again, I am thankful there is somewher to turn.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Here is my original complaint #, with XXXX satisfaction :. 
XXXX The " company response '' was to send me a another " late '' bill with an added XXXX " late '' fee. They still can not accept payments online, through their app, or via phone.. I am not paying any of these fees, they're all as a result of their payment processing failure/non-existence, seems like a pretty good scam to me.. I want the account closed and their illegitimate fees withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MD

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I like to file a complaint against Equifax for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told " Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX from which Equifax has got this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.

Company response to consumer: Closed with explanation