vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed 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 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DE

Complaint narrative:
Review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example XXXX  confirm an account which was opened on XX/XX/2013 and Experian would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on XXXX, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed 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 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: DE

Complaint narrative:
Review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: PA

Complaint narrative:
XXXX AKA XXXX charged me a {$47.00} late fee. They dragged their feet for over 2 months answering a question about my payments, and completely botched my escrow payment and subsequent re-calculation of my mortgage payment. I contacted them on XX/XX/2020. They replied to me on XX/XX/2020. I paid an escrow payment of {$1600.00} on XX/XX/2020, which should have re-calculated my mortgage payment for XX/XX/2020, but they dragged their feet. The reason why the mortgage payment increased in the first place was because of the escrow shortage, which I paid before the late fee deadline, but AIMLoan late fee charged me anyway. The only thing they are good at is dropping phone calls after I spent hours on the phone with them, and charging people late payments. 
I lost way too much time here, and I demand my {$47.00} back, and a written apology for taking more than 2 months to acknowledge my existence, and wasting my time on dropped phone calls with customer service. 
Instead of rewarding me for always paying on time from day 1, before and during Covid, they charge me with a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Review attached documentation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: IN

Complaint narrative:
An Inquiry dated XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX that is older than the 2 years allowed by law. 
is still on my Experian credit report Contact info XXXX  XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX thank you

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 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have disputed the following account XXXX with Navy Federal they removed the account in XX/XX/XXXX then in XX/XX/XXXX put the account back on my credit report. Under another number XXXX. The reason I have a problem they are not reporting the account correct on my credit file. On all three bureaus the account number should report the same there is all type of inaccurate information that I have pointed out to Navy Federal and they are ignoring me. If you look at the Credit screen shot in which I have included with this email the inaccuracies are in violations of my FCRA rights. Transunion is reporting the account number as XXXX and Experian shows XXXX, Date opened XXXX displays XX/XX/XXXX and XXXX  shows XX/XX/XXXX, it is in violation for a closed account to show a payment. Date of last activity XXXX  displays XX/XX/XXXX and XXXX  shows XX/XX/XXXX. Date of last payment XXXX  displays XX/XX/XXXX and XXXX  XX/XX/XXXX when you can clearly see on my report that my last payment was XX/XX/XXXX XXXX  shows OK but XXXX  shows 30 days late. XX/XX/XXXX made a payment XXXX OK, XXXX  shows me 120 days late. XX/XX/XXXX XXXX show me 120 days late but XXXX  shows 90, made yet another payment in XX/XX/XXXX XXXX shows me 30 days late but XXXX  shows OK, XXXX shows the same things XXXX  payment OK but XXXX  shows me 60 days late and if you look at XX/XX/XXXX I was 120 days late but in XX/XX/XXXX XXXX shows me 120 days late and XXXX  reporting 150 days late. All these inaccuracies are in violations of my FCRA rights. I have requesting a 1099-C debt of cancellation they ignored me and took the account off my credit only to put it back on under another account reporting worst than it was. I am requesting this file to be removed from my credit file or provide me with a valid investigation including payment records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example XXXX  confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on XXXX, but on time with TransUnion. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example Equifax confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on Equifax, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I try to use XXXX  to connect my bank it would not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I want my due date on days XXXX every month. Customer service dont want to change the due date to the day I want. I have a charge on XX/XX/2019 of lafe fee of XXXX $ and I dont make late payments. They process a payment on my account they can not pause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Victim of identity theft banks opened in my name loans taken out been reported to XXXX and XXXX XXXX no bank will bank with me they just say we choose not to do business with you I ask why they dont tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I tried to make my XX/XX/XXXX Payment and was told my loan was transfer to whom, I have no idea. I received a letter dated XX/XX/XXXX confirming what I already know that my next due payment is for the month of XXXX. 
I attempted to make my payment tonight and was told my loan has been transfer. 
I have gotten no communication from Specialized Loan Servicing about the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Back in XXXX this paypal company would not admit to law enforcement agencies that they lied about XXXX XXXX and XXXX XXXX connected paypal account under XXXX XXXX XXXX dba name. I have signed XXXX XXXX up with his permission and he was right there with me giving me his social security number. He lied to his father who was a lXXXX  and then acted like his identity was stolen which is was not. He had part ownership in my XXXX. His parents gave him XXXX and I XXXX them for him to make a little money. I can't believe the politician 's up in congress and senate allowed this company to even be class action banned. This is illegal what they did to my business partner and i and unethical. XXXX women or women of XXXX religion need their male business partner to do business and taxes. This violated religious rights and human rights of both XXXX and XXXX belief system. This trump administration got caught purposely denying sba loans to XXXX owned restaurants in XXXX, n.y. who had to liquiate curtains just to pay their bills. The worker there said in XXXX she was sick of her drivers smelling of XXXX thankyou for saying something to those politicians up in washington. This is human rights violations of this company. By the way my first dba was XXXX XXXX  which XXXX XXXX that may of been offensive to the XXXX religion and the 2nd dba was XXXX XXXX XXXX to save the other business mans life. He didn't know how important the XXXX XXXX XXXX company name XXXX  was to saving his life. A bunch of real XXXX  could of come after him so I was his father to know the XXXX  company had to be formed. His father would not admit it to law enforcement or tax agencies either that I know of. I am not a theif or identity theif either. He should never have lied. Now this president trump denied my sba loan because of suspected perjury and i have no other way out than to hire a professional lawyer. If i had my stimulas funds i could of done that. Someone took my XXXX XXXX funds away by removing my debit card from my mail box and i want to know why. I also want to know why the president abused his presidential powers by delaying things opening. I needed my stimulas check even though it probably is dirty seized XXXX XXXX MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
ERRORS OR UNTRUTHFUL TRUTH IN LENDING DECEPTIVE STATEMENTS.??? See attatched XX/XX/2019 *Adjustment Purchases Listed above the * TOTAL PAYMENTS & CREDITS FOR THIS PERIOD LINE IN BOLD ( only {$910.00} ) ** THEY NOT INCLUDED IN THE TOTAL. They are LISTED ONLY DECEPTIVELY INTERNALLY AND HIDDEN FROM CONSUMERS. ( ** They are Deceptive " Appearing Above " the Total Line and YET, " NOT INCLUDED " IN THE TOTAL LINE. These Adjustment Purchases Total {$1.00}, XXXX AND ONLY {$910.00} TRUTHFULLY APPLIED FOR THIS PERIOD XX/XX/2019. IT APPEARS AS IF ALL ADJUSTMENT PURCHASES WERE APPLIED CLEARLY THEY WERE NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent transunion a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/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 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I requested a copy of contract with signature from AD Astra Recovery Services Inc.. Copy declined to comply with request. 

Also, requested a copy of contract with my signature via the 3 credit bureau agencies. No reply or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX  XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/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 2020-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was denied a loan by XXXX XXXX on XXXX XX/XX/2020 based on the recommendation of detail from Experian. I applied for a $ XXXX motorcycle loan. I have $ XXXX in savings, receive $ XXXX annually from my military retirement and VA XXXX and an additional $ XXXX payroll from my XXXX with I am the sole owner. I have a very good credit ( XXXX ) with a debt to income ratio of 20 %. The loan would raise my DTI to 24 %. Experian denied my credit application and the provided explanation was nonsensical. I have attempted to follow up with XXXX, but they rely solely on the Experian approval for loans. While I am positive I will be able to secure a loan through another company, Experian 's ability to deny my credit application leads me to believe that they are abusing their position in the financial market place and there is no mechanism of recourse in addressing this with them.

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