vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested Experian reinstitute a credit freeze. I believe they had already done so as I had requested this of all 3 agencies. I received a bizarre letter stating that my " file does not display a freeze ''. Then the letter goes on to some incomprehensible verbage, but the 2nd page displays some of my past credit history for some mysterious reason. Not current. I simply want mu credit frozen since I have been the victim of ID theft over the past years. I wanted my freeze temporarily lifted for a refinance and then reinstated, However, Experian does not seem to know anything about this. Please correct. 

Thank you 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 non-monetary relief
Consumer complaint received 2020-11-20 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 the credit bureau a dispute letter on XX/XX/2020 and they didn't respond within the 30 days. I sent another letter on XX/XX/2020 asking them to delete the erroneous accounts since they failed to respond in a timely manner. I also sent a complaint through the CFPB and they responded that they have updated, not DELETED. I'm asking them to remove the accounts from my report before we have to take legal actions.

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 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
On XXXX and again on XX/XX/2020 I received fraudulent dunning letters from Midland Credit Management ( MCM ) concerning a bill I supposedly owed to " Original Creditor " XXXX XXXX '' -address not shown, bill of {$700.00}. From : On their letter : On their Envelope : " Midland Credit Management No name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX, MN XXXX XXXX fraudulent address of MCM is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/ My letter sent to that address was returned, " Not deliverable as addressed, unable to forward ''. Those letters are signed " XXXX XXXX, Consumer Support Services ''. Probably a non existent person. 

Checking this firm on the web shows another complaint about their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: U.S. BANCORP
State: GA

Complaint narrative:
There is an old account that was listed on my XXXX credit report from US Bank. The account was closed and zero out because of fraudulent charges back in 2016. I've contacted XXXX to dispute the incorrect balance showed and they've sent a letter stating US Bank has verified the account as correct. US Bank has a record of the letter that was sent to me with the account being 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 non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA

Complaint narrative:
I see multiple 30-120 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 2020-11-20 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: NY

Complaint narrative:
I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my 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 2020-11-20 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: NY

Complaint narrative:
I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my 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 2020-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I applied for what I thought was a payday loan for {$1000.00}. I have paid already a little over {$1200.00} back. They take {$300.00} out of my check every two weeks. I called this morning to find out I still owe a little over {$1500.00}. They stated I signed up to pay over 20 payments of {$300.00} for a total of over {$6000.00}. It is XXXX percent loan. I would have never signed up for that. I also thought it was illegal to do so in Ohio. I needed a temporary loan to pay my rent. I thought today would have been my final payment. Now I see I owe more and have over 16 {$300.00} payments left. I did have them stop taking money out of my account going forward. This can't be legal. I have more than paid this loan back and now they may come after me for thousands of dollars during a pandemic. Is this legal? I also noticed I can't even get another loan. When you try to go back and apply it states they are no longer doing loans. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: VT

Complaint narrative:
My wife, XXXX XXXX, received a debit card from USbank ReliaCard in the mail. It is for unemployment benefits from the State of Ohio. She has never lived in Ohio. She is not unemployed, and has never applied for unemployment benefits. The State of Vermont ( where we are residents ) told us this represents identity theft. Repeated calls to USBank have been fruitless. Its website has not been helpful. Today, as I write this I have been transferred to an unhelpful menu and been on hold for 25 minutes so far.

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 there were funds available to take out {$100.00} when there were funds available and it shows pending and deducted out of the account then a day later our light hit the account which went in and made it negative which is fine but they charged to {$36.00} overdraft fee.This has happened numerous occasions when fund show deducted and pending.We use there courtesy pay but they charge {$36.00} for every pending sale transaction when after funds are deducted and we use courtesy pay sometime as high almost {$300.00} when overdraft fees.BB and T is the name of the bank

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 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : First and foremost. I put in my first complaint that this is me, XXXX XXXX XXXX submitting this complaint. That is the same case with this complaint. No one has my login information but myself. You are going to find yourself hit with a lawsuit if you do not block the information that I have requested you to block and if you do not take my complaint seriously. I have submitted a dispute via certified mail as well. My attorney is on standby. You should take this complaint very seriously. If this item hasn't been removed or blocked from this bureau within the next 30 days, we will sue. The company XXXX XXXX XXXX showed up on my credit report for 1920 for a debt that does not belong to me and that is due to identity theft. I did not receive any notification from this company at all. This same fraudulent debt was held by XXXX XXXX earlier this year and I disputed and it was blocked. I appreciate you handling this immediately. 

Stop saying that this is not me submitting this dispute. This is me handling this dispute and complaint. I need this acted on immediately.

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 2020-11-20 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: NJ

Complaint narrative:
I have disputed things on my credit report and Experian did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. Experian has not yet removed this or any of the other items disputed that XXXX has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
THEY REFUSE TO PROVIDE THE FOLLWOING : 1.COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONRTACT TO PROVE AND VALIDATE DEBT 2. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR TO PROVE AND VALIDATE DEBT 3.THEY ALSO HAVE NOT DELETED NOR REMOVED THEIR REPORTING ON MY CREDIT REPORT WITH ALL CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
I have disputed things on my credit report and XXXX  did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. XXXX  has not yet removed this or any of the other items disputed that XXXX  has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.

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 2020-11-20 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ALLY XXXX Date of payoff. XX/XX/XXXX XXXX XXXX Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX services. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF Ally and XXXX XXXX were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX CARD - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CARD - XX/XX/XXXX 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 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We applied for a mortgage refinance on XX/XX/XXXX with that application submitted on XX/XX/XXXX. Upon submitting our application we also supplied our bank statements, paystubs, income tax return, and homeowners insurance information. We were initially informed that closing would most likely occur between 60-90 days from the application. At which time we scheduled and payed for a home appraisal. 

We reached out for an update on XX/XX/2020 as to our closing date and were ignored on numerous occasions. Upon continuous attempts at successful contact, on XX/XX/XXXX we were informed that our submitted documents were never submitted to underwriting. We resubmit our documents promptly and were then given a new closing date of mid XXXX. On XX/XX/XXXX we were informed that letters of explanation for late payments were required and therefore we were removed from underwriting and needed to start the underwriting process all over again. 

From this point our closing date has continued to be pushed back further into the year. We have expressed our concerns regarding the process on numerous occasions and were informed that as of today XX/XX/2020, the underwriters havent reviewed our documents.

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 2020-11-20 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: NY

Complaint narrative:
I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
I have responded to this company on several occasions disputing this inaccurate information that's placed on my credit profile. I have sent them all the proper documents to make sure that this account get DELETED, but they still have not followed the rules and regulations that's set in forth. So I'm reaching out to this company to help me do as such. I let them know that I was a victim of fraud and all my personal things were stolen and misused unlawfully. I have sent a complaint to the XXXX  and this matter wasn't handled correctly.They asked for a affidavit and I sent that to them via certified mail. This account has nothing to do with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CA

Complaint narrative:
EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS

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 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
on XX/XX/XXXX my mom in NY was contacted from a California Phone number XXXX in regards to a court summons Iawsuit for me. I called the the number and was told I was being sued on an old bank account. I had 2 choices, to pay them over {$3000.00} for the amount owed to the bank and their lawyer fees. I called the bank and they said that the account was overdrawn by {$80.00} and was sent to collections, the company went out of business and the debt was settled. I was currently in good standing with the bank. The account was settled in XXXX. I called the county clerks office and there are no pending lawsuits against me. This company XXXX XXXX doesn't exist anywhere, and they have my social security number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof. 

When asked about the debt in question they stated I'd have to go to court to get any proof of the debt. When I asked why I wasn't served in person, they said because of COVID, they weren't going door to door.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.

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