vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC
State: AZ

Complaint narrative:
My Husband and I purchased new windows for our house through XXXX XXXX. We decided to take advantage of a financing offer through XXXX 's partner, Greensky Financial. We applied by providing our information to the XXXX representative using our legal names, XXXX and provided the XXXX 's representative with our state issued identification as well as our personal information, all of which has my married name of XXXX. When our first statement arrived I discovered that Greensky had changed my name back to my " maiden '' name of XXXX, citing that they did it because that is what the credit bureau has listed as my last name. Greensky refuses to correct the error and instead demanded that I provide a copy of my marriage license. It is my belief that Greensky Financial has discriminated against me due to my gender. I firmly believe that if I were the secondary applicant and I was a woman my name change would in no way be questioned. I frequently check my credit with all three bureaus and they all have me listed as XXXX XXXX and XXXX as " other names known by ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2020 sent dispute letter to Experian for erroneous item on my credit report that is not on XXXX  or XXXX. They responded back verified. I then sent a 611 letter XX/XX/2020 in which they responded back " not able to honor my request. '' XX/XX/2020 sent a letter exercising my FCRA section 611 ( a ) ( 6 ) ( B ) ( iii ) ( 7 ) rights. Experian violated my consumer rights by not providing the proper requested documents I am entitled to by law. Experian sent an email stating to call to get dispute results they were not available online & the updated results were blank & no change to my report. I was told my Experian Rep XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX  EST that they do not have to provide method of verification. She also said they got the info from the courthouse which I know is false because in the 1st verified letter they sent to me they stated account was verified by XXXX  XXXX. They need to be help accountable to violation FCRA laws. This is illegal & as a consumer my rights have been violated. They need to delete off my credit report immediately. Each time I file a complaint they respond they can't verify my identity. I have attached my ID and supporting docs.

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 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2020-10-29 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: NRA Group, LLC
State: PA

Complaint narrative:
NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$250.00} NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Consultants of California
State: CA

Complaint narrative:
I paid a medical collection to Collection Consultants, and subsequently informed them that because it was a paid medical collection, they must now delete it from my credit report as required by the XXXX XXXX XXXX and Accountability Act ( HIPAA ).

They have refused, and violated my rights under HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Certified letter tracking number XXXX Delivered on XX/XX/2020, and signed for. 

To Whom It May Concern : On XX/XX/2020, I sent Equifax a certified letter with all of the required paperwork, stated that I am a victom of ID THEFT, and I also sent a request that would place a 7 year fraud alert on my credit report. I also sent Equifax my Identity theft report, along with a letter explaining what items that I discovered were a result of Identity theft. I also, sent a copy of my drivers license and Social security card. 

The accounts are listed below. 

According to FCRA section 605B, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax has failed to block these items on my credit report, and is in direct violation with the FCRA. I demand that Equifax BLOCK the listed items Immediately.. 

I have attached the exact same documents to this complaint, that were sent by certified mail. 


XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In the event that Equifax fails to answer this complaint. I might consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: FL

Complaint narrative:
I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from 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 2020-10-29 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: FL

Complaint narrative:
I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from 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 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A company by the name of tower loan has been putting inquiries on my report for the past 3 years. They have contacted distant relatives threatening them, and harassing me. I have never filled out any loan requests for this company, and have never given them my personal information. There are three unauthorized inquires On my report dating all the way back to 2018. They send blank checks to my address, without me giving them my information. These inquiries on my report are illegal, and all three credit bureaus refuse to remove them, nor offer any assistance. This is going on 4 years with unauthorized access to my credit report, and even adding more fees to a fraudulent loan.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiCard Several charges were made in XX/XX/2020 were disputed because they were fraud charges. The company never gave me credit for those charges. I contacted them again last week and they said they would credit my account. They still have not credited my account for those charges. 
The fraud charges were as follows : XX/XX/2020 XXXX XXXX for {$760.00} XX/XX/2020 XXXX XXXX {$89.00} XX/XX/2020 XXXX XXXX {$140.00}

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 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
The debt reporting on my credit is not mine, I believe some used our information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

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

Company 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 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX ( AZ Time ) I received a call from " XXXX '' at The CBE Group , Inc. She told me that I owed them {$1800.00} and it has been placed in collections. XXXX informed me that this debt was delinquent XX/XX/XXXX and that they received the account in XXXX XXXX said this was a debt that was owed to XXXX for medical expenses. I explained that I have had XXXX a number of years and never once was contacted about this debt. I asked when the debt incurred and she was unable to give me information. I asked them to provide proof of debt and they said they did not have any in their possession. I informed XXXX that I have a XXXX XXXX XXXX and this debt did not show up on my records, ever and it would have shown if it was valid. XXXX said that my wages would be garnished if I did not make arrangements for this debt to be paid. They are not the holders of the debt and are a 3rd party attempting to collect on behalf of someone else ( they did not know who the debt originated from ). No correspondence was ever sent to me in regards to owing money to anyone and all my XXXX accounts show that there is a {$0.00} balance. XXXX then stated that when it comes time for my re-investigation for my XXXX that it would cause issues and I might not clear the background. This is harassing behavior and I have asked they not contact me further. They are not attempting to collect an actual debt and hold no proof of money owed and denied being able to provide me with more information than the amount owed and the address they have on file for me. They have no bearing on collection of this supposive debt and are attempting to collect money that is not owed. I then spoke with Supervisor XXXX, and he said that since I am a XXXX XXXX it would cause issues for me, but once again could not provide me with any information about the money owed, when it occurred, the company its associated with, or more than the amount owed. The CBE Group, Inc.has had numerous lawsuits filed against them for this type of behavior and you would think they would learn it's unacceptable to instill fear into someone based on their employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

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

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 2020-10-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mortgage company Mr. Cooper has had my loan ready to close since XX/XX/2020 as of today XX/XX/XXXX they have come up with one excuse or another as to why it did not close if you consider the {$240.00} I was going to say per month this is already cost me over {$1000.00} they are very inapt company the loan officer XXXX XXXX does not respond to my emails Their customer service is horrible on his and his managers behalf totally unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Refi with Wells Fargo which closed on XXXX XX/XX/2020. Throughout the whole process, Well Fargo was totally disorganized, unprofessional, and incompetent. The mortgage officer put the wrong social security number and property address initially on the application, the mortgage processor kept asking for the same documents multiple times ( losing or misplacing them ) and asking for documents that were irrelevant and did not exist, people did not return phone calls and emails answering questions, the XXXX people dithered around for days trying to contact the wrong people, and so we missed the initial closing. We are longtime, major Well Fargo customers, and we were treated shabbily if not worse. No one should use Wells Fargo for a mortgage.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am tired of doing all the leg work. I emailed the company and asked for a call from Senior Management members and asked for them by name and no response or call. Once again on my credit is ruined my credit and my reputation. I want to come to some sort of amicable resolution, but this has been the hardest task I have had to deal with in my life. I need for my communication to reciprocated versus just hitting my credi. From my perspective Americcollect version of good luck and we do not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
MRS Associates have added a collections notice to my credit report in the amount of {$1000.00} for XXXX. They state that I had this product in Alabama and I have never lived in Alabama nor I have I ever stepped foot in Alabama. I have sent them several letters stating this that I can prove that I have lived at my current address for 27 years in XXXX XXXX, PA. I have never received billing for XXXX! This is an identity theft issue and I want this resolved asap as it's affected my credit score I've worked hard to build. I gave them a week 2 times to get it off my credit report with no avail! I've been in contact with a lawyer. MRS Associates has yet to send me any paper work regarding this issue! Please help me!!! All billing at my current address is in my husband 's name and our cable/internet provider has been XXXX XXXX. Never even heard of XXXX! XXXX can't close the dispute because MRS said it's valid but they won't prove anything that it's my debt! I refuse to pay for something that I never had! Can you please help me get this off my credit report? I would appreciate any help you can give me! Thank you XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: AL

Complaint narrative:
Alltran Financial , LP contacted a third party and gave personal information about my financial situation.

Company response to consumer: Closed with explanation