vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with Experian, XXXX, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.

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 2020-01-18 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.

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 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from XXXX XXXX XXXX Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from Franklin Collection Services Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: SC

Complaint narrative:
On XX/XX/2019 I when to XXXX XXXX XXXX to purchase a sofa, they were having a XXXX of XXXX sale. 

My friend accompanied me to help make a selection, she was included on the communications that took place with the sales man, him and the other sales personnel were not very helpful and summed to be annoyed by our presence. 

I make enough money to purchase the sofa out right, I was offered 6 months no interest if paid in full. I planned to pay for the purchase before the 6 months which I did. 

XXXX XXXX XXXX had me fill out a credit application via their computer. 

The sofa I purchased was on sale from XXXX dollars to XXXX. I thought the amount was odd, but the salesman confirmed it and the paper work showed a balance due of XXXX. 

The American First Finance had stipulations that the first payments had to be via bank draft, I felt comfortable about it, because I knew I was going to pay it off quickly. WHICH I DID. 

Before my last payment I contacted the company and they had and additional amount, they claim it was for taxes. I told them that taxes are paid and are suppose to be included with the purchase price. I asked them where was this company located, he said XXXX. I told them that I was not going to pay anything more than the purchase price and I have and will not. 

The next day I stopped the bank draft, cost XXXX. I send them a money order with a notation of my original balance, the payments made and the balance, which was what the money order was made for. They received it they cashed them. 

I also contacted XXXX XXXX XXXX 's Corporate office via email from their website. I've contacted them by phone, to this date they never contacted me. I've spoken to management at their furniture. THEY FEEL THEIR INVOLVING ME WITH A PURCHASE SCAMM IS NOT THEIR PROBLEM. AS FAR AS I AM CONCERN AMERICAN FINANCE IS RUN BY CRIMINALS AND XXXX XXXX   MADE THAT POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The response to my CFPB complaint # XXXX contained inaccurate information. 

It states that the loan officer told me I was not eligible for the program due to my credit score on XX/XX/2019. 

My escrow was cancelled on XX/XX/2019, after the Bank of America loan officer notified both me and my real estate agent that my loan was denied. 

If my escrow was cancelled on XX/XX/2019, how could the loan officer notify me that I was not eligible because of my credit score. 

Also, I requested that notification in writing and never received it. 

I requested a copy of my credit report from the first loan officer I  contacted at Bank of America and never received it. 

Consumers have a right to review the credit reports that mortgage lenders use to make underwriting decisions and I was deprived of that right.

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted all 3 credit reporting agencies after discovering possible identity theft. Equifax refused to place a freeze because I may have answered a question wrong. No problem with XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On the XX/XX/2019, my car got broken into whiles I was working out at the XXXX XXXX gym in XXXX Washington. The thief stole my wallet and other belongings in my car. I had my ATM debit card and my driver 's license in my wallet and at that time my PIN number was my date of birth, which the thief had access to. Three transactions were made before I was able to cancel the card and I called the cops right away to report the incident which I have a case number. The following are the transactions made before I was able to cancel the card. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$80.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$1000.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Amount : {$250.00}. Time : XXXX I recently got a letter from Bank of America stating that from their investigation all the transactions were appropriate, hence my claim is deny and the case is closed, so the credit I got for the lost money was removed from my account, which is the XXXX and XXXX transactions. The XXXX XXXX transaction investigation is pending as that was disputed later because that was not included in the initial transactions when I first reported the incident to bank of America customer service. 
I requested for the police report after I got a letter stating my claim has been denied but I was given a letter instead stating the case is still under investigation which I have since fax to bank of America fraud department. 
I'm still yet to be credit hence my complain.

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, Transunion, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, XXXX, and Equifax. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX XXXX, XXXX, to share my information with Optimum Outcomes , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX   XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company.Please help me get this debt collector to investigate this account : TRANSWORLD SYSTEM INCXXXX XXXX XXXX XX/XX/2015 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: HW Holding, Inc
State: TN

Complaint narrative:
I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company. 

XXXX XXXX XXXX XXXX XX/XX/2019 {$530.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
SLS.net can not provide a missing payment date for years. Was told to go back to old servicer to see when I missed payment. XXXX said no longer a customer, SLS rsponsiblity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I co-signed on an auto loan and provided my personal cell phone number with specific instructions that it was never, for any reason, to be called. In the past year, this company has contacted me sixteen times, sometimes multiple times a day. The owner of the vehicle and primary name on the loan has contacted this company ( Regional Acceptance ) and advised them to remove my number from the record as they are unable or unwilling to follow my instructions.

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 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NJ

Complaint narrative:
A discover card account was opened in my name and the charges were disputed with the 3 credit bureaus. The fraudulent acct. was removed in approx. XX/XX/XXXX. Since then, on approx. XXXX a Discover card credit application email came to me. I called Discover and was told that it was fraud and that the inquiries would be removed from my credit report. Today on XX/XX/XXXX, I have received an email statement that says that I am approx 3 months past due on a Discover card account with a balance of approx. {$10.00}, XXXX. I do not have a Discover card and do not have the related acct. number. This is the first time that I have been contacted by Discover about this account. I have also noticed today that my credit scores have been hit for 30 days late on this Discover card acct. ( ending in XXXX ). I do not have the acct. number because I do not have a Discover credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under Source Receivables Mgmt a complete new name. They can not produce any recordings or my picture ID or signature they just keep re-selling the account from collection agency to collection agency. For the same debt there is a thousand XXXX XXXX 's I have sent my ID and SS # form day one. Again here we are in 2020 same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why? was the account removed from all three bureaus and re-sold again someone please help me with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I have contacted Sagestream several times and no one answers, voicemails do not get returned, and its pretty annoying i submitted a simple request so not sure whats taking so long to receive confirmation. Maybe submitting it this way will get the result. Hopefully this is the last complaint I have to make because i DEFINITELY sent my ID with my request last time when they are claiming I didnt just so they dont have to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: HI

Complaint narrative:
On XX/XX/XXXX I made a payment of {$400.00} to Discover Card via the Discover App. 

In the Discover app it states the following : Payments submitted before XXXX XXXX. Eastern Time ( ET ) with a payment posting date of the same day will be credited to your account that day. After XXXX XXXX ET, payments can not be submitted with a posting date of that same day. Payments scheduled for a future date will be credited to your account on the date selected. 

I made the payment of {$400.00} before that deadline, and my available credit was posted as stated above. 

On XX/XX/2020 while trying to make a purchase, I was not authorized, I paid in cash now with that said I called Discover and spoke with a representative and discover stated that my payment is under review and may take up to 8 days, until the payment clears this is very conflicting. 8 days my due date is the XXXX of every month so I get charged the late fee, Discover gets my {$400.00} I have to wait 8 days. 

I have been with Discover for approximately 5 years I have never experienced this, this is the 2nd time. Discovers actions is now affecting my credit report. 

I have since called my bank and put a stop payment on the {$400.00} to Discover. I hope the CFPB can find a reasonable explanation or this as I see another XXXX XXXX shady shenanigans in the making.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: OR

Complaint narrative:
There is a bogus collection charge on my account. I have been on the phone for over an hour mostly with XXXX XXXX # XXXX. They are refusing to provide the evidence or information they based their decision to keep this collection on my account. This call was on XX/XX/2020, XXXX PST.

Company response to consumer: Closed with explanation