vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, Experian is reporting an opened date of XX/XX/2020, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Between XXXX & XXXX of 2019 I went and applied for a payday loan here in XXXX XXXXXX/XX/XXXX at One Main Financial Services. I've dealt with this company before in serval accessions when needed. I borrowed a payday lone in which I was paying them on time. My complaint basically is that I feel I was forced into this Dept. situation in which I also know I am a fault. I strongly believe that the amount I originally applied for was not giving to me. At that time I was going through other crises both mentally and financially. I ended up going through a consolidation agency and was able to consolidate almost all of the accounts owed. One Main Financial took my account to a collection agency. I believe this agency is over charging both in interest and in money totally owed. During this pandemic that is already happening is there anything I can do or sue this collectors agency? I already started paying them the arrangement made through my council Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in a dispute XX/XX/2020 and have yet to receive a response from the credit bureaus and it's been 30 days.

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 2020-11-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in a dispute XX/XX/2020 and have yet to receive a response from the credit bureaus and it's been 30 days.

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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, I received a bill from EOS CCA Stating that I owed them something. I immediately responded and disputed the validity of the debt. I informed them that the debt was not owed by me and tried to resolve the matter amicable between us. To date, The company only sends me bills, but they will not provide the original contract with my alleged signature ( it doesn't exist ). This is harming my credit rating gravely, because it is not reflecting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX, XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtor 's creditor did not verify this Collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debts and anybody can send a bill and say it's mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had a checking account and savings account with navy federal, they had this program called a XXXX program that allow you to him about his money from the bank the money that I borrowed was {$480.00}. I spoke to a Miss XXXX and I told her that I was making payments I had to set up payment arrangements of {$20.00} every two weeks.I made three payments of {$60.00}, and I also help me to {$10.00} payments which I can take the money and I cant so I told him to put it towards my bill and a XXXX dollar payment when I call in to navy federal they refuse to give me a print out of that payment history!! Im trying to fix the situation and then she won over charge me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: IL

Complaint narrative:
Dear XXXX/DOFED & Transunion Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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 you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately.

( Screenshot below )

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 2020-11-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my credit card account without giving notice and for no reason. Chase refuse to refund my annual fee. When I called chase, they refused to provide reason and refused to reopen my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 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:
To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

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 2020-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
Have file several complaints with XXXX and the company denies my rights as a Veteran and civil rights as an American citizen.On XXXX XXXX2020 the realtor XXXX XXXX came by and he draw up an offer on the property that is the focus of this complaint.The realtor is so competent that he and Moneyhouse failed to observe that the sales contract is not valid.I never signed the contract yet my signature appears as both the buyer and realtor.Explain that please.Moneyhouses representative states that the transaction took under 90 days.Involation of realtor codes on XXXX XXXX2020 via a text message he asking me for documentation for the mortgage transaction.Through out this process XXXX has done the leg work for the company.This process is never ending and Im not able to move in.I have to spend a lot of funds on the property.The VA ordered an appraisal but no home inspection was done.In bogus documents from XXXX there is a policy for {$190000.00}. When after the he had send me a policy for $ XXXXface amount.Both policies had the same coverage date.Now I have {$350000.00} in coverage.Never have dealt with such scoundrels.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: CA

Complaint narrative:
I applied and got a mortgage from ATHAS CAPITAL located in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2018 and was given a 6-month bridge loan on my primary residence. 
1st complaint is ATHAS CAPITAL during the loan process did not give me a set of disclosure outlining the terms of the loan for me to compare to loan documents. 
The loan had a balloon rider, but also had a 10 % penalty of the total loan amount which equates to {$55000.00} for the being late refinancing. That took away 10 % equity of my home along with a default interest rate of 18 %. This was never disclosed to me or I would have never signed the loan. I also asked for a copy of this from them and told me they did not know what I was talking about. They made me sign disclosures via docusign in which they did not allow me to have a copy as they left out my email. This is criminal. I want a copy of the disclosures I signed for lawsuit purposes and I want to see if they can corroborate the same loan terms in loan docs than in disclosures. 
2nd complaint is after default I was asked to figure out how to refi or apply for loan modification. I immediately filled out loan modification paperwork and 1 month later after the XX/XX/2018 default I was denied the modification due to the fact they do not offer loan modifications and used the time to file NOD. This was deceptive business practice and I want an investigation of this company ATHAS CAPITAL and XXXX XXXX for steering and loan products that produce the stealing of homes of senior citizens. I am a XXXX XXXX XXXX man.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im having credit issues over credit cards accounts that are not mines which is bringing my credit score low because its being told this is my debit some of these cards are over 7 years old and are not my credit cards or my debit its fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr.Cooper has increased my mortgage payment. They have issued a force play stating my property taxes for 2019 were not pd. I have been trying to resolve this issue with several phone calls and emails since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with Equifax credit bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX and XXXX XXXX account # XXXX. In those2 Months I have asked numerous times for a response and I have not received anything in response from this bureau in over 45 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I've had a credit card through Sam 's Club for almost 2 years. In that time, they caught fraudulent activity twice and I caught it once. I thought everything was fine until I tried to use my rewards points and was told I couldn't use them online I had to go in to the store. When I did I was told I had no rewards, so I showed a mailing I'd received that I had over {$100.00} in rewards and they informed me that their rewards system had been hacked so they put a hold on all rewards for a month. I am upset that it took 3 conversations with employees about using my rewards to find out I couldn't because the system was hacked, but I'm even more concerned about the fact that I had fraudulent activity at the same time. They are looking into the fraudulent charges and I didn't have to pay them, which is good.

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 2020-11-12 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: Norwich Commercial Group, Inc.
State: ME

Complaint narrative:
I had a mortage with XXXX XXXX for 3 yrs and never had one late payment, last yearI was refiancing and told by the lender I was working with not to pay XX/XX/2019 payment because it was included in the loan payoff. The entire loan was paid off on! XX/XX/2019 in full and then XXXX reports me as being late on my payment. 
I have had no success with XXXX XXXX removing the mark from my credit report 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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XXXX XXXX, 2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every XXXX days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XXXX XXXX, 2020, and I have not received any communication from Aspire regarding my dispute. I was charged interest over the period when this amount was in my aspire balance and I would like my interest to be adjusted as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX I sent in a dispute letter to American Express and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to American Express regarding a collection/charge-off that was opened in XXXX. My account has 5 inaccuracies. It is well over 30 days again and the account still has 5 accuracies and nothing has been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NCRA has reported to my credit report that I owe them money. People have tried to use my identity before, this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CA

Complaint narrative:
I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Porania, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation