vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: FL

Complaint narrative:
{$620.00} lj ross company. I never receive written documents telling me i need to pay balance before they added it to my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I contacted Experian in regards to disputing wrong information on my credit report. They are reporting name, addresses and phone numbers I never had nor authorized. Please I need this items deleted off my credit report. I asked to delete XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ma 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 2020-06-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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 — Problem with personal statement of dispute
Company: LoanCare, LLC
State: WA

Complaint narrative:
Enclosed is a letter. Downloaded.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: AL

Complaint narrative:
The First Progress bank is completely unable to be contacted after collecting a deposit from me and requiring me to contact them to verify my identity.

Their phone line is a complete scam, every option ( none of which were press # to verify your identity ) leads to a message telling you their operating hours and then hanging up on you.

Theres no queue, no wait, no call back option, just a message that tells you theyre busy and hangs up.

So they collected money from me, found some arbitrary reason to hold up my application, and then are completely unable to be contacted.

First Progress bank is a scam, and I have already contacted my bank who are investigating. I am writing so that Americans without the resources of a bank are no longer preyed upon.

Im glad I found their predatory, money stealing practices BEFORE I opened an account with them, because they are unable to be contacted in any event.

Please do something about this predatory, sketchy bank. It is absurd that something like this is legal in America, if it is.

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

Complaint narrative:
MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2020-06-06 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: CA

Complaint narrative:
I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. XXXX Sent letter asking them how they verified the account, the name and contact info. They did not supply this information. XX/XX/XXXX - Sent second request on how they verified the information and the name and contact of the representative. Did not receive a response and they continued to report the unverified information. XX/XX/XXXX - Sent a letter asking them again, how they verified it because I contacted the collection agency and they DID NOT verify it. I received no response and they continued to report the unverified information. XX/XX/XXXX - Made a final attempt for them to investigate and/or tell me how they verified the information when the collection agency DID NOT VERIFY with me yet continue to report the unverified information. 

They simply ignored me each time and sent nothing AND CONTINUED REPORTING THIS UNVERIFIBLE ACCOUNT. So I would like assistance in either obtaining this information or assistance in having them stop reporting this unverifiable information on 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 2020-06-06 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: CA

Complaint narrative:
i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.

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 2020-06-06 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: CA

Complaint narrative:
i disputed a debt with XXXX XXXX with XXXX it was deleted only to be rereported again on all 3 bureau from a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquires was not authorized by me. I do not have any account that were opened on the days the inquires was placed on XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 XXXX, XX/XX/2020 C XXXX, XX/XX/2020 XXXX   XXXX, XX/XX/2020 XXXX. They have also not been verified by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have contact XXXX XXXX and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have contact Regions Mortgage and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.

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 2020-06-06 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: FL

Complaint narrative:
MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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

Complaint narrative:
MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the 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 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
From my XXXX XXXX account I deposited {$2500.00} on XX/XX/XXXX, {$1700.00} on XX/XX/XXXX, {$2500.00} on XX/XX/XXXX, and Unemployment benefits {$960.00} on XX/XX/XXXX, All INTO MY PERSONAL safe advantage BANK ACCOUNT ending XXXX with Bank of America. On XX/XX/XXXX I noticed that My Bank account was closed. When I tried to log into my account online. I called Bank of America a representative stated that they put my account into risk closure and said they will not give me any further information of why my account was closed and that they are just ending business relationship with me. I was shocked given the fact that I did not give them a reason to close my account in the first place. I had a total balance of {$7800.00} in my account at the time of closure. I needed my money for the next day to sign a lease to get my business up and running again. I told the representative that I will like to go to the branch the next day to withdraw my funds. She said she would put in a request but there is no guarantee that I will receive my funds. At this point I am livid and filled up with anxiety. I had worked really hard to save up that money, and I feel like Bank of America is trying to steal my Money. She does not give me any details on why and the supervisor said the samething. Then the next day on XX/XX/XXXX I go into the XXXX NY Bank of America branch and speak with a manager there. She calls the back office to release the funds available in the account. The back office refuses to release funds they explain to the branch manager that the account is in risk closures and that the funds must be analyzed by an analyst before they can be released. 

This has caused a huge Inconvenience for me and I am very nervous that the bank will not give me my money that is in the account. I ask that you please contact the bank and have them release my funds to me. We are in a pandemic. And to do what bank of America is doing to people during this time is not only criminal but very very unethical. They show no remorse or care about people 's lives they damage. They never even notified me before closing the account they just closed it without warning or explanation. 

The numbers i called before going into the branch were : XXXX and XXXX. The Branch I went to is located at XXXX XXXX XXXX, XXXX, NY XXXX. Phone number XXXX. 

I beg of you to please help me with this matter. I don't know what else to do.

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 2020-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was told I would have s lower rate to pay monthly on my Student Loan by a Navient loan servicer and recieved bill for way more than what was told to me .my income has been affected due to COVID and unable to make payments but was misinformed on how much Ibwould have to pay monthly and was told it would be forgiven after a few years.I never received paperwork to support that promise either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America recently closed my Visa Credit Card after I have had it for over 17 years ( 2003 ). I have been a victim of identity theft and bank accounts have been opened under my name. I received a letter that my account has been closed due to returned check payments on charges I never made. I have disputed this on my credit report and they refuse to remove it. I called Bank of America and they couldn't give me akt of information but said they felt I would be suited for another bank even though I haven't used the card in 2 years they were not concerned that my account was used fraudulent ly. I feel like my 17 years there meant nothing to them and this account closure has hurt my credit score more.

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 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
My complaint is with the company Amerisave Mortgage Corporation. We applied for home refinancing two months ago and was approved for 20 year conventional loan with the rate of 3.125 %. After we deposited the {$500.00} good faith deposit in order for them to proceed with the loan, things changed. First, the monthly mortgage payment changed without the loan officer informing us. Second, when we tried to contact the loan processor, he doesn't know what was going on and was mad when asked questions. Finally, after everything that we went through, we still decided to go refinance the house and Amerisave set up a date for us to close the loan which is XX/XX/2020. When closing day came, none showed up and nobody from Amerisve informed us that the closing has been cancelled. This is very unprofessional and unacceptable on the part of Amerisave. We are trying to contact them for 1 week now because we want our {$500.00} deposit to be refunded. As of now, none of them responded to our calls and e-mails. These are the people that processed our loans : XXXX XXXX Loan Officer Tel : XXXX XXXX XXXX Loan Processor Tel : XXXX XXXX XXXX Loan Officer Tel : XXXX XXXX XXXX Manager Tel : XXXX I hope others will not be a victim of this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX or experian date They also show as closed but it was paid in full on the XXXX  account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation