vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 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: LA

Complaint narrative:
To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: LA

Complaint narrative:
To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03 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: LA

Complaint narrative:
To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY IS REPORTIMG INACCURATE, ERRONEOUS AND INJUROUS INFORMATION ON MY CREDIT REPORT ( S ) .WHEN I OBSERVED MY CREDIT FILES I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED ( 2 ) VALIDATION REQUESTS IN ACCORD WITH THE FDCPA SECTION 809 AND DISPUTES TO THE CREDIT BUREAUS REGARDING THIS ALLEDGED DEBT.. 
CERTIFIED MAIL ARTICLE NUMBERS APPEAR BELOW : 1 ) # XXXX XXXX XXXX XXXX XXXX 2 ) # XXXX XXXX XXXX XXXX XXXX 3 ) # XXXX XXXX XXXX XXXX XXXX 4 ) # XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ILLEGALLY PLACED AN INQUIRY ON MY XXXX XXXX CREDIT REPORT ON DATE XX/XX/2020 SUBSEQUENT TO RECEIVING MY VALIDATION REQUEST ( S ) WHICH RECEIVED NOTHING CLOSE TO VALIDATION. 
PORTFOLIO RECOVERY IS IN VIOLATION OF FEDERAL AND STATE LAWS FOR COMMITTING CONTINUED COLLECTION ACTIVITIES. THIS COMPANY HAS VIOLATED THE FCRA AND FDCPA AS THIS IS A VERY SERIOUS VIOLATION IN ADDITION TO REPORTING AN ALLEDGED DEBT THAT I HAVE DISPUTED IN ITS ENTIRETY..I WANT THIS INACCURATE ITEM DELETED FROM MY CREDIT REPORT IMMEDIATELY.IF IT IS NOT DELETED IMMEDIATELY I WILL PERSIST AND FILE MORE COMPLAINTS AND SEEK COUNSEL.I PLEAD WITH CFPB TO ASSIST IN THIS MATTER. I APPRECIATE THE CFPB FOR THEIR EFFORTS IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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.
State: CA

Complaint narrative:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: CA

Complaint narrative:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03 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.
State: CA

Complaint narrative:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reached out to Equifax Small Business on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to Equifax all they say is to go on line and file a complaint. The Bank is XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reached out to XXXX XXXX XXXXs on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to XXXX all they say is to go on line and file a complaint. The Bank is  XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.

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 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: GA

Complaint narrative:
On XX/XX/2020 i checked my credit report and realized there is a collection agency trying to collect a debt that i have no knowledge of i never signed any agreement with this company nor have i and contract with them and any of thete affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.

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 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had automatic payment scheduled to pay mortgage byXXXX of the month on XXXX from my checking account to mortgage at Bank of America. However it did not pay until almost end of the day on XX/XX/2020. I called mortgage department and asked them why money was not transferred from my checking account to pay the mortgage as I scheduled automatic payment by XXXX of each month and I told them that I have a printed copy of confirmation. I was told that they did not find any information regarding automatic payment scheduled. So I paid {$1000.00} toward mortgage from my checking account on XX/XX/2020 ( confirmation # XXXX ). On XX/XX/2020 I found that they transferred {$1000.00} into mortgage payment from my checking account and my checking account was minus {$1000.00} in red. I called mortgage department and ask them to reversed the transaction and put {$1000.00} back to my checking account on XX/XX/2020. bank of America did not reversed the transaction and kept the {$1000.00} as XXXX mortgage payment and my on line showed next mortgage payment is due on XXXX. I called and talked to Bank of America may times but they did not fixed the transaction until almost end of the month. So I called Bank of America again to keep the transaction as I paid the XXXX mortgage payment because it was almost time to pay the XXXX mortgage payment anyway and it did not make any sense plus at least I paid XXXX mortgage payment on XX/XX/2020 will save me money on interest and they put that request to their escalated team ( supervisor ) .Bank of America did not followed request and reversed transaction on  XX/XX/2020 put back {$1000.00} into my checking account which cost me a lost of interest payment. Also I made mortgage payment of {$1100.00} ( extra {$100.00} toward principal : confirmation # XXXX ) with help of customer service from mortgage department on XX/XX/2020 but extra {$100.00} was allocated as unapplied fund. I called Bank of America to credit extra {$100.00} toward principal payment but as of XX/XX/2020 it has not just like XX/XX/2020 mortgage payment problem.

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 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt was paid over the phone and received correspondence by mail that the payment was received on XX/XX/XXXX. Per the conversation this debt was to be completely removed from my credit report ( I recorded my conversation with the rep and manager in case of a situation such as this ). This debt is still sitting on my credit report and there last update to all bureaus was XX/XX/XXXX. Based on there typical updates each month this should have been updated no later than XX/XX/XXXX and that has yet to happen. However I received another notice on Monday that it was paid and I have the emails sent from earlier in XXXX that the payment posted. Please let me kno how to submit the mp4 of recording and where to forward emails. I can take pics of the mail correspondence but will not be uploading until I receive the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian shows me as an authorized user on a XXXX XXXX XXXX credit card with an $ XXXX balance. I do not have any accounts with XXXX and Im not an authorized user on any accounts. I called XXXX   and they were not able to find any accounts tied to my name or SSN. They opened a claim to further investigate and I received a letter stating the same account information from the credit report with no additional actions or resolution. I called XXXX after receiving the letter and after about 30 minutes of attempts, they were not able to find any accounts tied to me. I filed a dispute with Experian, as this account is not showing up on the other two credit reports. Experian closed the dispute with no resolution and the account and balance is still showing on the credit report. Its not right that this $ XXXX balance is effecting my credit score when no one can even locate the account in any of their systems. Its clearly a data glitch that needs to be corrected.

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 2020-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Early XXXX was advised to payoff and close the account I needed to {$510.00} by XX/XX/2020. I paid {$510.00} on XX/XX/2020. I was advised it would take 30days for the account to closed out and letter me advised balance paid in full. I started receiving calls early XXXX about a remaining balance of {$140.00}. I spoke a supervisor who assured it would be handled. XX/XX/2020, I received another call for the company and they said I owed {$180.00}. I spoke a lead and a supervisor and was told payment had been processed incorrectly on XX/XX/2020. They said would investigate again. Today XX/XX/2020, I received an alert from the credit that Conns reported that I owed them a balance. My credit was decreased over 30 points overnight. Conns has illegally reported inaccurate charges on my account and caused my credit to decrease. This could impact my other credit accounts. 

Conns Credit Company has failed to handle the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The payoff payment sent on XX/XX/20 via overnight mail in the amount of {$22000.00} is missing from my account. Please locate the payment and post to my account. As of XXXX Chase has not posted the payment to my account. Thank you.

Company response to consumer: Closed with explanation