vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: AZ

Complaint narrative:
I initially mailed a dispute via Certified mail with receipt to Equifax on XX/XX/XXXX @ XXXX XXXX  about two fraudulent items listed on my Equifax report and requested to update my Employment information. The U.S. Postal Service did mail me back the green card stating Equifax did sign for my package of disputes on XX/XX/XXXX. 

The problem I have with this receipt is the deception that Equifax is used when they signed for my package. The package couldn't of been delivered on XX/XX/XXXX because that was over one year ago. Also the green card with the U.S. Postal Service original receipt does match and the receipt cleary shows XX/XX/XXXX is the day the package was received in the post office. 

Also the online delivery confirmation shows that the package was signed for on XX/XX/XXXX and that Equifax has reaged my package a year and possibly reaged my package for this year adding two extra days on the green card from XX/XX/XXXX, to XX/XX/XXXX. If Equifax were to try to say it was an error for the year of XXXX instead of the year XXXX they need to explain the date of XX/XX/XXXX when the package was actually received and not the date of XX/XX/XXXX when they said the package was received. 

If there was an error it would of been dated XX/XX/XXXX not XX/XX/XXXX. 

To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. On XX/XX/XXXX I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. I also requested a correction for a previous employer named ( XXXX XXXX XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. As of XX/XX/XXXX a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/XXXX relating to this investigation regarding all three of these inaccuracies. It has been 39 days since my dispute was received from Equifax and as of today on XX/XX/XXXX, all related disputes are still currently reporting to my Equifax credit file. This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. I am holding Equifax responsible going forward. I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: GA

Complaint narrative:
Problem with Equifax report MY ACCOUNT WITH EQUIFAX IS IMPACTED. I AM REQUESTING UNDER THE UNDER THE FCRA ACT TO PLEASE IMMDIATELY REMOVED THESE ITEMS There are UNAUTHORIZED and REDUNDANT inquires in my credit report, impacting my credit negatively. 
I have not authorized these inquires and they must be immediately removed from my account. 

I am also attaching the pdf version for ease : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX and XXXX.Please remove in accordance with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX  and XXXX.Please remove in accordance with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I used the care credit app to pay my bill every month with an extra payment every month. About every 6 months to a year their system decides it cant find my bank account linked to my debit card so my payments don't go through and i dont catch it until i go to make my next payment. I pay the amount due every time to fix it. They say it doesnt go through again and put a hold on my account. I call pay up and try to tell them that their app isnt working. They blame me saying its my bank or insufficient funds. Which has never been the case and they put it on my credit score. I tried to dispute it and never heard anything back. This time they closed my account without telling me. They say they tried to call me but i never got a message from them. No letter in the mail, no email. Nothing. So i call and ask what happened. They say they never got my payments. I said the app messed up again in XXXX but i fixed it this month. They said its my fault not the app and theres nothing they can do. I ask to dispute it again and this time they say no because the account is closed. I asked to talk to a manager and they had me on hold for an hour. I never got to talk to anybody. They keep telling me its my fault but i make my payments their app is messed up and they need to send me paper statements or emails and they say theres nothing they can do and its my fault. Again.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Management Solutions LLC
State: AL

Complaint narrative:
Recovery Management Solutions has been told on multiple occasions by family members who they have contacted about a debt they claim I owe to stop calling. They will not stop. They have been informed that their calls are considered harassment and have continued to call back. 

I personally have requested that all communication be made by mail and the calls have continued. I have never received a bill or any other written communication from this company. I have never been informed to whom a debt is owed or an amount. I absolutely will not entertain debt collection activity without an opportunity to validate the debt. This is not an agreement to pay or an acknowledgment that any amount is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Pull up a copy of my credit report same there were some accounts that reflect inaccurate and incomplete information and we'll need them removed the following accounts in dispute are listed below in capital letters. XXXX XXXX I have not been late as many times as it is reporting I will post proof in the documents below. There are also two medical bills when I know it's illegal to report my public health information without my consent XXXX XXXX HOSPITAL/XXXX  XXXX XXXX XXXX XXXX multiple late fees are on account 's and several accounts I do not know or never done business with and I will be filing a separate complaint with the police report for these accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am reporting an incident where my bank declined my fraud case and refused to refund me back the {$850.00} that was stolen from me. It started by my wife finding a Boston terrier pup on XXXX. We just put down our Boston terrier and my wife wanted to get a Boston terrier puppy for our kids to grow.up with. After talking to them on the phone. She picked out a.puppy, signed an agreement, .and paid {$850.00} through XXXX . Emails enclosed. Afterward they had a currier contact is to deliver the puppy. Then they asked for additional {$950.00} in money orders for a special delivery crate. We instantly suspected fraud and asked for our money back. They kept giving us bs response, stopped answering their phone and eventually it was disconnected. We then filed a police report with the XXXX police department ( XXXX ). Then reported the transaction as fraud with our bank Bank of America. I never received a confirmation and could not find it online. So, I called them back, and they transferred me to the XXXX department who advised the case is still pending. They never requested to provide any documentation. After several follow ups. After 6 weeks we received a denial letter that explained the funds could not be retrieved. I called back and was told several times they could not approve my case.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
after get a letter informing me about my property taxes had not been paid i call shellpoint to check my escrow bal I was a little shocked to find out that XX/XX/2020 shellpoint took {$720.00} for the escrow and applied it to my deficiency on XX/XX/2020 shellpoint took {$1500.00} for aexpense account and applied it to my deficiency prior to your letter dated on XX/XX/2020 shellpont couldn't validate any deficiency so shellpoint was closed the loan a balance of XXXX Total when to my deficiency {$2200.00} Payments are made in House Note that I should not have been paying any house note only my escrow account I was forced to pay it trying to not ruined my credit and it still got ruined by Shellpoint XX/XX/2020. {$420.00} XX/XX/2020. {$610.00} XX/XX/2020. {$610.00} XX/XX/2020. {$630.00} XX/XX/2020. {$610.00} XX/XX/2020 {$610.00} Total {$3500.00} I am requesting that {$5700.00} be returned back to me immediately The grand total for deficiency and house payments escrow account {$5700.00} XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was scammed by a Wells Fargo member who also committed insurance fraud. I was tricked into purchasing fake insurance for a potential residential cleaning contract, which was also a scam. I was told since my LLC was less than 2 years old, the only way the company would issue the policy was for me to pay the down payment on the yearly premium which was {$1800.00}. After going through what was said to be underwriting, the rep came back and said the only way to get the policy issued was to pay the entire year upfront which required me to send another {$1800.00} via cashiers check and deposit the funds in what was supposed to be the CEOs account being there card system was down. Remind you, the contract was for {$160000.00} for 4 months. I have emails, recorded calls, a police report ect. After the funds was sent on XX/XX/XXXX, we had a scheduled meeting at the condominium that we were suppose to be cleaning at XXXX but no one showed up which raised a red flag. So after being put on the run around for the next 4 hours, we realized we were scammed unfortunately. After I filed the police report, I went straight to Wells Fargo where the money was deposited. They told me they were not taking walk ins and that I would have to schedule an appointment which I did. However, it was for a week later. On XX/XX/XXXX I decided to call Wells Fargo and see if I could get things done over the phone. I spoke with a rep there, provided him with everything that happened. He told me Wells Fargo would begin an investigation. Another 3 days went by without me hearing back from them so I decided to call back. This time I was told something completely different. I was told they had no record of the complaint I had previously submitted being it was not properly submitted. I had to go through everything again to be placed in a waiting pattern again. On XX/XX/XXXX it would have been a full month since the scam and I have yet to hear back from Wells Fargo. No one called me to request additional information regarding the scam, which I was also a advised. With this amount of time between the incident, the criminal will be long gone. I demand a full reimbursement of my {$3800.00}. Me and my wife had to miss work, waste gas and time, fees to get the cashiers check not to mention delayed on closing on our home being the {$3800.00} was part of the down payment and closing cost.

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 2021-02-18 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: AL

Complaint narrative:
On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to EXPERIAN, XXXX XXXX XXXX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$2300.00}

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 explanation
Consumer complaint received 2021-02-18 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police 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 2021-02-18 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE. AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: OH

Complaint narrative:
I received a letter from XXXX XXXXSynergetic Communications, Inc. 
stating I owed a debt that does not show up anywhere on my credit reports and that I have 30 days to contact them to dispute before I make any attempts to tell them I do not owe I was told to contact you guys because this company has sort of a history of trying to collect on bad debts or outright false debts. 

they state payment must be made by XX/XX/2021 the full amount listed that they claim I owe is XXXX but they have a one time special offer of XXXX to pay it off in full, they state the original debt is through XXXX XXXX XXXX  which I also do not recognize. 

I should add they also have many reports on XXXX  with similar complaints regarding them just tossing claims out and hoping it sticks I pay what I owe but I don't owe this and I want them to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation