vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: UT

Complaint narrative:
I recieved a call from this company asking for a particular person. I then had to ask who they were with before they would tell me. I then had to ask where they were based out of and the representative got upset and was refusing to tell me until i said i had the right to ask these questions before giving any information out. At this point he said that he couldn't give me information as i didn't " verify '' i was who they wanted to speak with. I wasn't asking for a person 's information. I was asking for the companies information. He finally told me they are based out of south Carolina. I then asked for the address of the company and the phone number. At that point he said " what are you going to write me a letter? '' He also asked " who is this helping? '' He refused to give me an address and a phone number. He told me i could look it up online. At this point due to his refusal to answer valid questions before giving out any personal information i let him know I'd be disconnecting the call for refusing to answer my questions and assume they are a scam. I do record all of my calls to protect myself from shady practices, companies, and scams. I did also look up their address and found that it is the corner of an empty lot full of trees. I even did satellite view of the address. And to answer his question of who it is helping. It is helping the people who are scammed by fake companies pretending to be collections agencies. That is who this helps!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
I previously notified Equifax that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CA

Complaint narrative:
XXXX, TransUnion & XXXX  were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

XXXX  had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
Transunion too.

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 2020-06-11 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:
XXXX, XXXX  & Equifax were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

Equifax had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
I notified Transunion of fraudulent and unauthorized inquires on my credit report and transunion responded that they verified FRAUDULENT INQUIRES

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 2020-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
XXXX XXXX XXXX Freedom mortage Loan # XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # XXXX XXXX late payments were incurred prior Freedom purchasing loan. I was making monthly payments to prior mortage company funds not relieved on timely basis. These 2 late payments are hindering loan approval for 2nd mortage. Credit burrows reporting is not not accurate. 

Regards, 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 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I received a call from Evergreen Professional Recoveries Inc on XX/XX/XXXX. 
I was unable to understand who this person was or where they were calling from. 
After a few minutes of back-and-forth asking her to repeat herself while remaining barely intelligible, she informed me she was attempting to collect a debt in excess of one thousand dollars with an original billing date of XX/XX/XXXX. I asked her to who the original creditor was or what it was for, and she said she was unable to tell me but continued to say 'evergreen ' which I only found out was the name of the collection agency itself and not who I was originally billed by after XXXX  the phone number. 

I attempted to determine what the original bill was for, and as I was to going through what it could have possibly come from that has already been resolved ( as I currently do not owe any money to any entity, and even at one point asked if I was supposed to send the collections company or the original creditor the receipts/statements with no real answer ) she hung up on me mid-sentence. I was not being abusive or aggressive, and though I admit to possibly rambling as it completely caught me off guard and I was confused, it was unprofessional and rude. Not entirely sure why someone attempting to collect a debt hang up on that debtor during a first contact call. 

I have received no written notice as of XX/XX/XXXX and the two times they have called since XX/XX/XXXX they have left voicemails that have been completely silent but for the sound of people in the background talking/working. 

They have failed to validate the debt, it is unequivocally nonexistent, and I believe even if there were- and this is not acknowledgment of the existence or legitimacy of said debt-, it was grossly inflated by the representative who spoke with me as I have never owed, much less agreed to the transaction of services for, anything even remotely close to the value that I was told.

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 2020-06-11 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: FL

Complaint narrative:
I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
Hi, please help me with my concern. I saw GM FINANCIAL on my credit report and I have late payments in payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has a website for disputing credit report entries. 

https : //dispute.transunion.com However, it never works. EVER. This is not an isolated complaint, and has been reported by other consumers : XXXX XXXX XXXX Of course, TU 's response is " mail us '' your credit complaint. This is an unreasonable standard. They can operate credit reports electronically, but consumers are expected to use snail mail. Double standard that should be legislated against. 

More importantly, if they can't get a basic website to work, how much faith should we have in their ability to manage data responsibly?

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 2020-06-11 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 sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Husband and i purchased our first bed for our new home on fXX/XX/2020 from mattress firm, sales associate XXXX XXXX. We laid on the queen size bed at the moment husband was pleased even though we argued over king vs queen. XXXX stated we were getting the black diamond mattress. Being it was the last bed left with adjustable base. My husband was happy with this bed. The bed fit him/us and suited his needs. So i went along with purchase. When the bed was delivered. It was not covered or protected in any plastic. It was placed and they left. This is not the same bed. It cant be. The bed seems smaller. His feet is hanging off. The mattress protector had shrunken after first wash. Waisted XXXX $ there on top of the XXXX. He should have known better if he brought the same quality bed. The expectations were not good. I have not slept a goods night since XX/XX/XXXX. Nothing but back pains. The mattress lumps up, my husband fell out of bed 2 times now. His side is way lower than my side. Bed is not the same as we laid on. The bed has edges on around it? Why did he sell us a dream. The delivery didnt feel right. Now when i called to ask about trading in bed. We are told to wait 3 weeks. To give bed a try. Pandemic started in XXXX so i wasnt able to make a warranty claim until after XX/XX/XXXX. Then they say wait 120 days before making a complaint. Well being it was the last bed and XXXX claim he gave us the best bed it was the floor model and now we cant exchange and i dont feel obligated paying XXXX for an uncomfortable bed. They have had 3 sales since our purchase. We want what we paid for. This was a sham ... .we just want them to pick up bed if we can not get the mattress n frame of choice. Not to be told lies about what to expect.

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 2020-06-11 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 sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.

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 2020-06-11 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( Navy Federal ) be removed and blocked from my credit file in accordance with the laws of The FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I recently refinanced my 30 year mortgage with Flagstar Bank. I think this is my 3rd loan with Flagstar. My first payment was due XX/XX/XXXX. For various reasons, I decided to not pay until XX/XX/XXXX, which is absolutely allowed. In fact, there is no late fee until after the XXXX of the month. I have never missed a payment ever. 

They called me Tues XX/XX/XXXX at XXXX XXXX  and left a message asking me to return their call. 
They called again first thing this morning XX/XX/XXXX at around XXXX. 

The agent on the phone said she was calling from Flagstar collections. 

I stated that I was very surprised and because I have from XXXX XXXX to make my payment. First she said well your payment was due XX/XX/XXXX in a stern tone. Again I asserted that it was my right to pay within the first 2 weeks of the month without harrassment. And then She said she was in the internal collections department at Flagstar and wanted to reassure methat this matter had not gone beyond the bank??! 

I stated that I scheduled my payment for XX/XX/XXXX. 

She then asked why I was paying " late '' ... what was the reason and did I intend to continue paying this way each month, which I found incredibly intrusive. 

I assured her that I understood the banks were in a tight spot but that I was gainfully employed if that's what she wanted to know. 

Honestly, the whole experience felt abusive. I have never experienced anything like it. 
I am employed, pay my mortgage evey month. I sudder to imaging what they are saying to fols who are struggling.

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 2020-06-11 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

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 2020-06-11 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: MO

Complaint narrative:
XXXX XXXX has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( XXXX XXXX ) be removed and blocked from my credit file in accordance with the laws of The FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.

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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and Transunion all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.

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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.

Company response to consumer: Closed with explanation