vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-18 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: NRA Group, LLC
State: FL

Complaint narrative:
XXXX XXXX sent a collection account to National Recovery Agency on XXXX for the amount of {$66.00}. I was never notified of owing any money to XXXX XXXX, I assume this is XXXX XXXX XXXX. I have other ongoing medical accounts with them that are all in good standing. National Recovery Agency never contacted me regarding the account. They reported it to XXXX on XXXX. When I called National Recovery Agency on XXXX they stated they sent me a letter on XXXX which I have yet to receive. I was never given an opportunity to pay or dispute this bill. I actually have no idea what it is for. My credit score dropped XXXX points on the day before I was going to apply for a new auto loan, this has caused me undue damage and cost me considerably, this is the definition of Unfair Credit Reporting Practices. I paid the {$66.00} and a fee to National Recovery Agency as I need this removed and corrected asap and don't have time to find out what I am being billed for.

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc.
State: MO

Complaint narrative:
This company for the last two months has called me repeatedly while I was asleep numerous times as well as calling me and being greeted with my phone automated filter services where is EXPLICITLY tells them to leave a message and that I would receive it, to which they have not done, I have asked them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: FL

Complaint narrative:
THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MS

Complaint narrative:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

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 2022-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I closed our HELOC on XX/XX/XXXX and requested a reconveyance be recorded to remove the lien from our property because we were refinancing to build a new home and had a lock in rate on both the construction loan and cost of the new home from the builder. This HELOC was paid in full ( zero balance ) for almost a year prior to closing the account XX/XX/XXXX. I have since called USBank 14 times and spoken to 21 different people all assuring me either a satisfaction of mortgage has been recorded or will be recorded. To date one has not been recorded. Nor can I ever seem to talk to anyone higher up than someone answering a phone who can't tell the difference between a recorded document from XXXX or current. I can provide every day and to whom I have spoken.

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 2022-01-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I sent a letter to Spring Oaks Capital on XX/XX/XXXX requesting a validation. In response, I received a letter dated XX/XX/XXXX with a statement with balances from what seemed to be from another collection agency along with a Bill of Sale document. In response, I responded with a failure to validate letter on XX/XX/XXXX. Spring Oaks replied on XX/XX/XXXX ( received in the mail XX/XX/XXXX ). The letter states they WILL " NOT be conducting another investigation of the dispute '' since they responded to the last letter. With this letter there were more statements along with the Bill of Sale document. The account is reporting on my credit report and I have yet to get any clarity on this debt as requested. I have given ample time for validation yet the so-called account is still not validated and is continuing to report on my credit report causing a negative representation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
This account was disputed with another collection agency and removed due to fraud I've never had and account with XXXX XXXX XXXX then Franklin collection agency purchases the debit and XXXX put the account back on my credit report I submitted another dispute XXXX looked it up and saw via their fraud department this account was disputed and successfully removed from my credit report from 2 previous debt agencies-companies keep purchasing this debt and putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
I have some fraudulent accounts on my credit report. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MS

Complaint narrative:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. ALL is begin investigated by the FTC. The XXXX is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

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 2022-01-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion continues to report a public record that has not been verified as accurate which is a direct violation of 15 U.S.C.1681 Fair Credit Reporting Act.

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 2022-01-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is a collections account on my report. I have never had an account with the original creditor. Somehow an account that doesn't exist has gone to collections. I have asked Experian to verify the account. This last time I asked for additional information such as any shred of evidence of the collection. They responded by " completing the dispute '', followed by a horrible display of the end result ( with zero additional information ). They have previously asked for evidence that I paid off the collection, which is quite difficult when I don't have any account that I owe money on. It's like talking to a wall.

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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Someone tried to apply for a loan through Penfed credit union using my identity I did not apply application # is 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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Beginning in the month of XX/XX/XXXX my prepaid American XXXX card fees are higher. My card could not be used as advertised. It consistently declining at stores with funds available. In XX/XX/XXXX. I disputed transactions that amounts were wrong, I was charged 2 times for the same service and unauthorized transactions. My card was replaced but my money from the dispute was not replaced. On XX/XX/XXXX I called about another transactions that I did not authorize and the other disputes from XXXX. The representative was rude another representative put me hold for an hour never transferred my call to the fraud department or came back to the phone. One representative asked me for the transactions from the dispute in XXXX. I login my online account and could not find any of the transactions that I disputed. Like it was deleted erased never existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had many problems with this company and when I try and talk to them to resolve or help me they cant or dont want to try. I called them today XX/XX/2022 to try and resolve some late marks they have put on my credit when my account should have been in forbearance. They were no help. They told me to write the company with my complaint. I have had many issues with the way they managed my account. They charge me a {$50.00} charge when I need a hardship forbearance and they pick when they want to put it into a national disaster forbearance. They have put it into a fire disaster forbearance before and when I expect them to do it again they dont. When I talked to the lady about that today XX/XX/2022, she said I have to call to get it out in a disaster forbearance and then they charge another {$50.00}. They are very confusing and not helpful at all. The way things are ran there are very unfair and they dont explain. If the account is in forbearance they shouldnt be giving me late marks on my credit. Its seems like they just do as they want with no care to the consumer and Im know Im not the only one going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX. 
thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
On XX/XX/XXXX I sent correspondence to Experian requesting a proper investigation, in accordance with the FCRA, in to multiple accounts on my consumer report. By XX/XX/XXXX, I still had not received an update from Experian as to the status or of the investigation. 
Eventually, via online portal, the " results '' came back as " Verified '' with no additional information provided to me, the consumer, as required by law. The only way for Experian to correct its shortcomings and be in compliance with federal law, is for them to delete the accounts in question. They no longer have the leniency of simply changing the status of these accounts to reflect " disputed ''. 

At this point, in order for Experian to be in compliance with the FCRA, these accounts are required to be deleted. They have not been. With this evidence, I consider Experian to be in direct willful and knowing non compliance of the Fair Credit Reporting Act and they are liable for damages, pursuant to 15 USC 1681n.

Even so, I gave Experian TWO more chances to correct this mistake. First, I sent a follow up letter reminding them of how they had failed to provide investigative information with me as required by law. No response. Most recently, I delivered correspondence to them on XX/XX/XXXX, explaining the laws they are in violation of and demanding the removal of said accounts. Experian has assumed a vital role in credit reporting and has a grave responsibly to furnish consumer reports in a fair and accurate and impartial way- Congress states. They are failing to uphold their grave responsibilities. Congress also states, Experian 's actions directly impair the efficiency of the banking system and undermine the public confidence which is essential to the continued functioning of the banking system. 

I just spent an hour on the phone with multiple Experian representatives and unfortunately they are trained in protocol and procedures, not law, and are not helpful in any way. 

This complaint is my final attempt before I am forced to file a law suit against Experian for damages and stress and willful and knowing non compliance with the Fair Credit Reporting Act.

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 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage was recently transferred to Mr. Cooper. Under my mortgage agreement, Mr. Cooper is required to pay property taxes and homeowners insurance on the property. I have made every payment that is required. Mr. Cooper has not made the homeowners insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
OnXX/XX/XXXX I, ( the " Consumer '' ), started to receive phone calls from an unknown number at inconvenient and unusual times for me. On XX/XX/2022 at XXXX EST I decided to call the number back after having received another phone call from the aforesaid unknown number without having my permission to contact me. On the aforementioned date and time, I spoke with a person unknown to me by the name of, XXXX XXXX, who claimed to represent L.J. Ross and Associates. I asked XXXX XXXX why L.J. Ross and Associates had been causing my phone to ring without my permission and XXXX XXXX responded by saying, that it was an attempt to collect a debt for XXXX XXXX in the upwards of XXXX XXXX ( XXXX ) dollars which was a false and misleading representation of the character, amount and legal status of the debt XXXX XXXX claimed was owed. I informed XXXX XXXX that XXXX XXXX had not reached out to me regarding a debt owed and that I had not directly given L.J. Ross and Associates prior consent to communicate with me. XXXX XXXX transferred the call to XXXX XXXX, alleged supervisor for L.J. Ross and Associates. While speaking to XXXX XXXX, he engaged in unfair practices by attempting to continue to collect an amount that was not expressly authorized by any agreement creating the alleged debt or permitted by law. I kindly asked XXXX XXXX to send me a copy of the agreement between L.J. Ross and Associates that would permit the collection of the alleged debt as well as the license from the STATE OF MICHIGAN permitting L.J. Ross and Associates to collect debts for a third and XXXX XXXX refused. L.J. Ross and Associates have committed identity theft by using my personal or financial information without your permission. L.J. Ross and Associates have invaded the privacy of my family and I as Consumers, and violated the rights of the Consumer. L.J. Ross and Associates, are in violation of the following ; 15 U.S. Code 1692c, 1692d, 1692e and1692f.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation