vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: Granite Edvance Corporation
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
We have had a Superfleet card for our business for many, many years. We have rarely if ever have been late, and our bills are paid in full EVERY SINGLE MONTH! In XXXX of XXXX, we didn't receive their statement in the mail until way later in the month due to issues with the post office. We sent the payment out the day that we received the statement like we always do, and it took them over 3 weeks to post the payment. They shut our cards off, charged us {$75.00} in late fees, plus other charges. They said they did not have our payment, but crazy as it may seem, it came out of our checking account the very next day. We had to pay over the phone in order for our employees to get fuel on their cards. In XXXX, we had a credit since it was paid by phone AND by check. In XXXX, we received their bill around XX/XX/XXXX, I sent a check out the same day, it didn't post until after the XXXX of XXXX, which made it late AGAIN! We don't use these cards often, our drivers fill up the trucks at our shop daily, these are used in case of emergency only. We rarely pay more then a couple XXXX dollars to them monthly. In XXXX, same deal. In XXXX, they deemed our company a credit risk and starting charging several XXXX dollars of credit risk fees in addition to the late charges, and they changed our due date! In XXXX, I sent a check to them as soon as I got the email that had the amount due on it. They sent that on XX/XX/XXXX, I mailed the check on XX/XX/XXXX. We received their bill which was post-dated XX/XX/XXXX on XX/XX/XXXX, so let 's say our check was received by them in about 5 days as well. Our due date was changed to XX/XX/XXXX, so 14 days after I mailed the check out. Still didn't post to our account. It didn't post until XX/XX/XXXX! There is no reason it should take 17 days to post. Especially when every other check that I sent on the same day, several that went further than theirs, took 8 days or less to come out of our account. I checked EVERY DAY to see if that check cleared, on the XXXX I tried to use their online CheckFree option just to avoid the fees, but guess what, it doesn't work!! On our XXXX bill, we spent under {$30.00} for fuel, but the total bill was {$280.00}! This is ridiculous, if they aren't going to post payments in a timely manner, the due dates should be MUCH further out. They have refused to refund fees except a couple late fees, and they have refused to move our due date. Apparently I am not the only customer that they are doing this to. If you look at any profile for their parent company, XXXX, they are doing this to many, many people. How is this legal??

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 2021-07-07 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My XXXX  credit report shows a charged off amount. It currently shows I owe {$290.00} to ComenityCB/XXXX. I've contacted XXXX, who states I have no balance. I was given to the collections that advised me my account was sent to another agency, but he couldn't tell me who. He transferred me to the number, they are no longer taking calls. He offered to take the payment to remove it from my report. However, would not allow me to mail a check, an would not email me or mail me a statement. Also told me he didn't have the capability to remove it from my credit report. I consolidated my debt with XXXX XXXX  and a check was issued to XXXX for the {$290.00}, with the information showing it was cashed. ( I'll attach a copy ) I've disputed this with XXXX  3 times. 
Can you please help? I really feel I was being taking for a ride. The recovery specialist 's name was XXXX XXXX. His phone is XXXX Ext XXXX. The agency he was transferring me to that doesn't accept calls XXXX, then he tried another one XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} XXXX, XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

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 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} ), XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have been trying to modify this mortgage for almost 8 months, every time they request a document I send. Each time the requested document is sent, they ask for something else. in the mean time I have not been able to make a payment since 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 2021-07-07 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:
On XX/XX/2021. I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b and 15 USC 1666 ( b ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My complaint is with SLS - Specialized Loan Servicing. They have been in constant contact with my ex-mother in-law ( XXXX XXXX ) over my mortgage and has left me out of decisions by not contacting me. My husband and I were co-borrowers of the mortgage. My husband ( XXXX XXXX ) passed away in XXXX and she was appointed as the executor of the estate for 6 months in XXXX. The reason for this was I had underage children and I was incarcerated. I was incarcerated from XXXX. To complicate the matters, my husband and I divorced in XXXX and I deeded the house over to him. He was suppose to re-finance the house and buy me out but never did. from XXXX, Decisions were made on my behalf without my knowledge and consent. I was only made aware there was a problem in late XXXX when my ex- mother in-law told me she did not know what to do. SLS had stopped accepting the mortgage payments in XX/XX/XXXX. When it was brought to my attention, I for filed a loan modification and on numerous times was told my application was incomplete ( at times, the correspondences were not even addressed to me or to my mailing address ) I continued to get second hand information. SLS continued to ask for XXXX XXXX 's information even though she was not on the mortgage or was applying to be. My application was denied because her information was not sent, I have sufficient income to cover my mortgage payments and wish to keep my home. I believe I am a victim in unscrupulous practices and possibly fraud.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
On I discovered ( ONE ADVANTAGE LLC ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cohen & Associates
State: LA

Complaint narrative:
A lady named XXXX XXXX is calling my entire family about a pay day loan from over 10 years ago that was paid off. She is threatening me saying I have a federal case against me and will take action. She has scared my sick mother and will not stop threatening us.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
- Failed to complete money transfer from previously verified, utilized and valid account. 
- Erroneously charged a Returned Item Fee - Harassed and threatened me - Failed to acknowledge that I was not at fault and refused evidence to prove their error.

See Attached Documents for Details and Evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: WI

Complaint narrative:
I have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX CEO email. This CRA is in clear violation of my rights and 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 2021-07-07 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: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: VA

Complaint narrative:
RECEIVABLE MANAGEMENT SYSTEMS IS reporting a collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NJ

Complaint narrative:
XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.

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 2021-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Over the years I borrowed Like {$80000.00}, now I owe {$200000.00}. First of all this is crazy. The interest is ridiculous. I have asked they consolidate ALL my loans which they have NOT. The President has payments on hold, EVEN defaulted loans. I can not get a break, they call me over and over again day after day. I have tried to go online to at least make a particle payment. But their site says it doesn't recognize me ( how can you give your birthday & SS number and it not find me ). If this is so, how can they keep calling me. I sent them an email a while back about the Presidents Hold, that just made them call me more.

I just want to make them stop calling me until repayment starts. I also want to get online to their site without having to call them because if I call they just harass me more. Please tell me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I already disputed this item with your firm. The company sent me an answer and you then closed the investigation. However, the legal and credit reporting issues were not resolved! 
LVNV/Resurgent claims they were in accordance with FDCPA section 809 ( 15 USC 1692g ) and applicable state laws when they sent me information that in this day and age can be magically and professionally printed on any lazer printer! This information was simply " an account summary, terms and conditions, and bill statements 'on file ' "! This does not legally verify this debt as mine! Where is the documents THAT VERIFY MY IDENTITY in relation to this account? Where is the signed contract? Where is the valid ID or driver 's license? Where is the social security card? These documents are needed to LEGALLY verify any clients/customers identity as stated in the PATRIOT ACT! And since your firm, The Consumer Financial Protection Bureau HAS NOT forced them to comply and then closed the previous case I will sue you as well as Resurgent in court if this is not resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation