vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-11-04 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CA

Complaint narrative:
i'm complaining about unfair portrayal of credit information on XXXX, transunion, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by 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 2020-11-04 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: CA

Complaint narrative:
i'm complaining about unfair portrayal of credit information on XXXX, XXXX, and equifax.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX  XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
In XXXX when I was trying to make my XXXX payment. The office was closed due to a holiday on XX/XX/2019. So I couldn't call to make the payment. I tried logging into the web portal to make my payment but couldn't get my payment to be accepted. I was not able to make my payment until XX/XX/2019 causing my payment to be late. My credit then had a late payment reported which lowered my score almost 40 points. I disputed the late payment due to the web portal not working to make my payment on time. When I disputed the payment they took the late payment off of XXXX and then reported it late in XXXX again causing a 40 point decrease. I have tried 3 additional disputes to have the late payment removed and it keeps coming back validated. It is not an accurate reporting. I spoke with someone at the company on XX/XX/2019 advising them that I would be making my payment on XX/XX/XXXX due to that was my next paycheck date. I was advised that would be ok but I would need to make the payment online which I tried to do. The office keeps telling me that they don't have record of that call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One Credit Card got Frozen in the middle me using this and was told that I need to prove my identity which required to produce my Social Security Card. When I mentioned to them I do not have the physical Social Security Card for a while and has been misplaced but I have my US Drivers License + US Passport + W2 Showing my Full SOCIAL + Utility Bill showing my residence they will not still allow me to access my Credit Card Account to even Dispute the Fraud Charges on the account which I want to dispute and actually would want to close the account/Credit Card. But none of that is acceptable with them. I have asked Social Security for a Replacement Card but it takes 6-8 weeks to get a replacement card from them so it's really no go with these people at Capital One and I am stuck not knowing what to do. No other Credit Company has asked me this and recently got issued new Credit Card with {$30000.00} credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: AR

Complaint narrative:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my credit karma and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX  XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
incorrectly reported balance and late payments this is open account and never been late or over the limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: AR

Complaint narrative:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  {$230.00}

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 2020-11-04 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: AR

Complaint narrative:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX  XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230.00}

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 2020-11-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I had a mortgage with XXXX XXXX, a subsidiary of Ally, that was paid off in XXXX via a refinancing with XXXX XXXX. XXXX XXXX never filed the discharge of the mortgage with the county. XXXX XXXX went bankrupt in XXXX/XXXX and transferred any open loans to XXXX XXXX but since my loan was paid off before the bankruptcy, those documents were sent to Ally. Ally however refuses to give a discharge on the mortgage claiming that their research dept can not find the documents. I cant sell my apartment until this loan is discharged in the county records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 submitted a letter disputing some accounts that do not belong to me that are on my credit report. This was back in XXXX and it has now been way over the 30 days allowed by the FCRA. By not responding, they are in direct violation. These accounts need to be removed because they were not investigated in the time given. I submitted another letter on XX/XX/2020 to view the progress and tracking shows that it was received. I am a hardworking man just trying to do my best for my family. I have done everything asked of me. Please help me in this matter.

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 2020-11-04 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # 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 2020-11-04 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # 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 2020-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
hi cfpd ... i dont have a big issues ... just at the moment i dont have income my unemployment are being pending i lost my job XXXX i work so hard to provides my family foods and shelter.. long story short due of corona virus me and my wife both loose our job ... we saw our family memeber and communtity pass away.. we need a time out so i could figure out away to work from ... start a busines from home .. 

right now i need help for a few month to get back on my feet ... 

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 2020-11-04 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: FL

Complaint narrative:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.

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 2020-11-04 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: FL

Complaint narrative:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance called me told me that your result show no merritt to my complaint why was I not contacted by you I am sure I am reading the contract n it's clear once the vichcle is distroyed in am not bound by the contract I have not been to work since car was totalled They won't refinance they are just down my throate for payment of a Ballance that they would have gotten over years I can't get another car because they showing up on my credit report owing XXXX Wich is inaccurate If they can sell my body and get paid that's what they have to do cause I have no money and no job soon due to this mess I owe them nothing

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 2020-11-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
this credit card was paid in full reporting incorrect balance and lattes please remove this from my credit file with all credit bureaus.

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 2020-11-04 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: TX

Complaint narrative:
I called the original creditor after getting a fraud alert and reviewing my credit report. The creditor told me to reach out to Transunion which I did. Transunion instructed me to send in a letter and other documentation which I did. Transunion has still not processed my request and it has been over 7 business days. The unauthorized inquiry is still showing and only with Transunion. I did not apply for anything or give anyone permission to access my credit report on the date showing it was done XX/XX/2019. According to FCRA, legally these unverified and unauthorized items must be removed!

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 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Atlantic Recovery Solutions has been contacting me under their alias " ARS '' since at least XX/XX/2020 via calls and texts. They never properly identified themselves or the reason for their call so I did not first make contact with them until XX/XX/2020 at XXXX ( via telephone ). The representative was accusatory and unprofessional. However, I proceeded to request debt validation be sent via mail only and requested not to be contacted by phone again. The agent became upset and stated they " would not stop calling '' and disconnected the line without notice. On XX/XX/2020 I received a text from my mother stating that a company named ARS has been contacting her regarding me. On XXXX my sister reached out to me stating ARS has been contacting her as well. On XX/XX/2020 at XXXX I spoke with a representative at ARS again and requested the full company name, address and debt validation in writing. I was transferred multiple times and when I complained to the " Senior XXXX XXXX '' I was told I signed up for my family members to be contacted. I did not give this company permission to contact my family member 's. They knew how to reach me and were unwilling to put the request in writing as requested. ARS has called and texted me from multiple numbers referencing a " legally required notice, paperwork and a case ''. However, they never identified themselves as a debt collector or gave notice this was an attempt to collect a so-called debt. I have phone records and copies of the text and call log to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
Collection account for XXXX for {$570.00}. Ive tried to settle the debt with the collectors but the collectors will not agree to a deletion letter or pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Pendrick Capital Partners
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX/Pendrick Capital Partners in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, XXXX states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX/XXXX. 

Unfortunately a physician group XXXX XXXX of XXXX TX under the license of XXXX XXXX XXXX upcoded a visit for a simple XXXX ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX ; XXXX XXXX  : XXXX. ) MrXXXX XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to XXXX and Pendrick Capital Partners that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that XXXX had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a check for {$2900.00} last Friday, XX/XX/20 and I deposited it. I called the bank ( B of A ) on Saturday and asked if the check had cleared. I was told yes. I asked if I could use those funds. I was told yes. On Monday the bank tried to get their money from the other bank and was told the check was fraudulent. They then debited my account for {$2900.00} and charged me for a returned item. If I had been told the whole truth by the bank, I would have waited for several days. I was not. I did exactly what the bank told me and now they say they have no responsibility. I disagree, I have called a customer rep, chatted with them, and went to a branch where I was thrown out when I complained.

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