vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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:
Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX  XXXX  $ ) This was a fraudulent account. I do not have XXXX, this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... 

Please proof I was late on this as account it reporting different on all three credit agencies. 

FIFTH THIRD BANK NA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I was alerted by text that international transactions were taking place on my US Bank credit card account. I call the credit card company immediately and they said they could do nothing about it but close the card, until after the funds actually left my account. At XXXX that same day the bank released the funds to the unauthorized transactions. I have since filed several disputes to which the Bank has agreed the transactions were unauthorized and claimed to returned the funds back to me, but I have never received the money back in my account nor has it been refunded to me in any other way. I have waited on the phone for several hours trying to reach someone in person most of the time in vein. I spoke to XXXX on XX/XX/XXXX who assured me my dispute was being handled. Around XX/XX/XXXX I received a complaint form from the USBank to fill out, which I did and faxed back the same day. On XX/XX/XXXX received a letter dated XX/XX/XXXX saying the issue was resolved and the money would be refunded into my account. I spoke to XXXX on XXXX and she stated she saw where I was supposed to be refunded but she also saw no funds were ever returned to my account and put in a research to find out what happened to my money. I have had not response. I have faxed the dispute department of US Bank on several occasions to no avail no response.

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 2020-10-09 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:
Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX XXXX $ ) This was a fraudulent account. I do not have XXXX,  this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX XXXX  XXXX XXXX  for Portfolio Recovery Associates.LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My Mortgage server Shellpoint mortgage refused to remove fraudulent added fees added to the end of our mortgage. {$1600.00} in additional fees were added to our account with only around {$2000.00} remaining. They gave us several stories that they were attorney fees but couldn't provide evidence of where an attorney was ever used concerning our mortgage. 
The mortgage changed companies several time in the last the last year. Ditech was the last company before Shellpoint. I feel this was a way to tack on additional fees to make the loan profitable for them buying loan papers so late in the mortgage. This company also refuses to send over my Cancellation of Security Deed. Georgia  Law requires they have this be filed with the Court Clerk in my County 60 days after we paid off the loan. I paid the additional fees plus the mortgage balance to get it out of Shellpoint hands because they threaten to foreclose if they were not paid the fees. I talked to other mortgage holders and they said Shellpoint did their mortgage the same way. Added additional fees on the tail end of the mortgage. Basically because its the only way for them to make money on a loan where all the interest has been paid. I'm seeking my {$1600.00} in fees refunded and the {$500.00} in damages Georgia Law requires because the Deed Satisfaction was not provided 60 days from the date of pay off to be recorded with the Superior Clerk of XXXX  County Georgia.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
CBE Group, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, is in violation of the Fair Credit Reporting Act. CBE Group placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. The original creditor listed on the reports is  XXXX XXXX, a company that I also have no knowledge of, or received any goods or services from. The amount CBE Group is reporting shows {$89.00} original loan balance and {$90.00} current balance. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. This company needs to remove this  erroneous account that was added to my reports in XXXX 2020 since they failed to actually verify and confirm that I truly owe any company any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

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 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  ( and most likely other credit reporting agencies ) are reporting a debt shown by JEFFERSON CAPITAL SYSTEM, a collection agency, for a XXXX account opened in 2019. I disputed the account online with XXXX, days later they sent a status and said the account was VERIFIED AS ACCURATE. I contacted XXXX, and they say they have no obligation to ask for any proof of the account, if a creditor provides my name, address and social security number they will report it as a debt. After they asked me for paperwork to prove it wasn't my account ( I asked them, how am I supposed to prove a negative? Shouldn't the obligation be for them to ask Jefferson Capital for proof?? ). I also contacted Jefferson Capital, and after asking for all of my information, new  address, etc., they simply went into debt collection mode and asked about me paying off the account. I stated that this was not my account, I've never had an account with XXXX, and asked them to please send me whatever documentation they had relating to the account being established ( my signature, where was phone sent, etc. ). They said they couldn't do that and hung up on me.

How do I get this cleared up??? This is a ridiculous system where companies can submit faulty information and then aren't required to provide documented proof of the account when challenged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: FL

Complaint narrative:
There were two accounts with XXXX XXXX XXXX XXXX - first account # XXXX, second account # XXXX. Settled in Full with Grant & Weber on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to Grant & Weber. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled.

I called three times to Grant & Weber to find out when will it be  reported back to XXXX XXXX XXXX XXXX as it has been over a month.

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 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
on XX/XX/2020 I have Called chexsystem to follow up on a dispute i have made with them due to being a victim of identity theft. The representative said " please hold while i listen to the last call recorded with the previous representative '' because they didnt see a dispute filed. The representative then came back on the phone and apologized and said " Ms . XXXX you did call back in XXXX and the last person you spoke with did not put in the request as you requested ''. I said this is a serious Violation! under the FCRA this must be removed because i have a right to dispute anything inaccurate or doesn't belong too me! They did not remove it they violated the FCRA. This Must be removed and now they want to file a dispute as of XX/XX/2020 knowing it suppose to been disputed and they never touched it and they said they did.. Please removed this from my credit report. They have violated The statue of limitation.

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 2020-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. 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 explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MS

Complaint narrative:
The Institute closed after I graduated in 2015. I have over {$20000.00} in student loans and I cant use my degree. I cant even transfer my credits to another college. I went to XXXX XXXX for 2 years for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
After being the victim of identify theft, I took all of the steps recommended by IdentityTheft.gov including mailing the appropriate documentation of identify theft to ERC to the address listed on their collection notice for correspondence. The documentation was returned by the postal service as undeliverable. This seems clearly fraudulent if the only address provided for disputing the collections charge is undeliverable. I am including photos of the address provided by ERC on their collections notices as well as the same address returned by the postal service as undeliverable. 

I also called XXXX XXXX XXXX ( where the fraudulent charge was made ), explained the situation, and sent all required documentation to their fraud department. At their request I also filed a police report. 118 days later they have not responded and I am still receiving collection notices from ERC for this fraudulent charge. The correspondence address given on the form is still the same one that was previously returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
PLEASE PROVIDE ME WITH PROOF THAT I WAS OCCUPYING THE APARTMENT AT THE XXXX XXXX  IN XXXX OF XXXX. JUST SHOW ME PROOF PLEASE!!! I will prove otherwise. I disputed a collection effort by the XXXX XXXX. First the XXXX XXXX  accused me of breaking the lease. That is how they justified all of the charges that were tacked on to the attempt to collect false charges. I provided a long paper trial that PROVED the XXXX Apartments version couldn't have been true. We submitted a " notice to vacate '' form on XX/XX/XXXX and I have proof of this. After reviewing my proof, the XXXX XXXX   CHANGED THEIR STORY!!! Now they are saying that they acknowledge our " notice to vacate '' in XXXX of XXXX. But the XXXX XXXX  is now saying that we stayed in the month of XXXX of XXXX as well- WHERE IS THE PROOF??? I am demanding proof that I stayed there in XXXX of XXXX. My husband underwent total left XXXX XXXX On XX/XX/XXXX. This was one of the determining factors as to why we moved out. We were completely vacated by XX/XX/XXXX. I got married on XX/XX/XXXX, went to Hawaii on our honeymoon, returned on the XXXX of XXXX, WE HAD ALREADY MOVED IN WITH MY PARENTS IN XXXX WA!!!! We never returned to the apartment after XX/XX/XXXX. WHERE IS THE PROOF THAT WE WERE OCCUPYING THE APARTMENT IN THE MONTH OF XX/XX/XXXX??????? The XXXX XXXX has XXXX proof that I was there during the month of XXXX. My request is this- PROVIDE PROOF THAT I WAS IN THE APARTMENT IN XXXX OF XXXX??? Utility usage report, video surveillance ANYTHING AT ALL?????? Because I can prove I was living somewhere else during that time. I have proof. I was living at my parents home in XXXX WA with my husband while he recovered from total XXXX XXXX on XXXX. I am asking for proof of the fact that we were there during the month of XX/XX/XXXX. I will show otherwise. Lies can not be tolerated and I will not stop until this is taken off of my credit!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: AL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  XXXX Inaccurate XXXX   XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX and XXXX attorneys for XXXX 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
Consumer complaint received 2020-10-09 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: MA

Complaint narrative:
Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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