vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XXXX. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is under litigation the balance is incorrect and I need account closed not only closed but removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is under litigation the balance is incorrect and I need account closed not only closed but removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is under litigation the balance is incorrect and I need account closed not only closed but removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was reviewing my XXXX  credit report. I have a credit card debt and midland funding/midland management credit bought the debt. This debt is more than seven years old. I spoke to someone two weeks ago and was told I owe {$2200.00}. But on my credit report it states I owe {$1700.00} when I disputed the debt with XXXX the debt was raised to {$1800.00} on my credit report within two weeks. I requested an itemized bill for the debt. I spoke to XXXX XXXX he refused to send me an itemized bill. I requested this two weeks ago and was told they will send one out. I believe they are fraudulent because they have an XXXX accent but giving me American names? XXXX XXXX also stated the debt was opened sometime XX/XX/XXXX. This debt is over 7 years older which should be removed from my credit report but XXXX XXXX told it will stay on my credit report and interest will continue to accumulate? XXXX XXXX lied and told me a judgement was filed against me in XXXX but I never received any paperwork or there is nothing on my credit report indicating a judgement. I called XXXX courts they stated there is no or never was judgement against me in XX/XX/XXXX. So XXXX XXXX proceeded to tell me the judge charging for paperwork which is an additional {$500.00}. I requested all information XXXX XXXX refused to mail anything out because I refuse to agree to the balance. By law after 7 years this should have been removed along with the derogatory remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I am reviewing my credit report I noticed that it contains Credit Inquiries, I have never give permission to these companies to pull my report. That is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MO

Complaint narrative:
The background report shows I had a speeding ticket in Tennessee in 2016 but Ive never had any type of ticket in any state before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I login to my account and it was locked ... advised to call customer service to find out what happened. I called, spoke to a representative and ask questions about my current balance of almost {$3000.00} and 9 claims pending. I was not given anything and makes me more anxious about what is happening to my money and claims.

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 monetary relief
Consumer complaint received 2021-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We applied for a loan modification and completed our 3 trial payments in a timely manner. Our final documents for loan modification were mailed in late XXXX, and we paid for a notary to complete service. PennyMac advised they sent incorrect documents due to minor capitalization error several weeks later, and the sent a mobile notary due to our inconvenience. Here we are 2+ months after the loan modification should have been finalized and Penny Mac sent revised documents due to another internal capitalization error and is refusing to send out a mobile notary for us to sign. I have contacted PennyMac over the phone at minimum 2x week over the past 2-3 months to ensure we are current and no additional action needed on our end. Their loan modification department is a mess and unable to properly advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello, I submitted a dispute with XXXX on XX/XX/XXXX regarding incorrect late payments reported by Santander on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).

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 2021-05-12 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: TX

Complaint narrative:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I submitted a dispute with Experian on XX/XX/XXXX regarding incorrect late payments reported by XXXX on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).

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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I checked my Credit Report on XX/XX/21. I noticed National Credit Systems Inc was reporting a claimed debt and reported as of XX/XX/21. 

I mailed a Debt Validation letter requesting them to verify the debt and I have not heard from them since. It is now XX/XX/21. 

They have been reporting this invalidated information to all 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. 

This debt has not been verified to be mine yet they are continuing to report it as such and it is doing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and Associates has stated that they spoke with me on XX/XX/2020 about this alleged debt. This is not true. They sent a " patient statement '' that has a home address that is not mine. I've never lived at a XXXX XXXX XXXX in XXXX TN. They purchased this debt for pennies on the dollar and trying to make a profit by any means necessary. Their deceitful collection tactics are shameful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MS

Complaint narrative:
n XX/XX/2021, I wrote to you requesting an investigation into items that I know for sure are inaccurately reporting on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. This was not done ; therefore, I want this information removed from my credit report for failure to conduct investigation within 30 days. Please be aware that you are in violation with not only the FCRA but also the FDPCA FCRA violations 1. Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

2. Failing to properly investigate or reinvestigate a consumers dispute. FDCPA 1. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector Also stop using stall tactics, such as you don't recognize me request or need authorization or I will pursue civil litigation against 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 2021-05-12 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: MD

Complaint narrative:
On XX/XX/2021 submitted a letter to all 3 credit bureaus and creditors involved verifying that I am a victim of identity theft. Transunion is exercising willful noncompliance by continuing to misuse my information and report fraudulent items on my credit file. My report is neither accurate nor fair. They refuse to block and permanently remove fraudulent accounts stating that my FTC report was made in error or is not an official document which both are false. I believe this is a stall tactic. I have spoken with Officer XXXX of the XXXX XXXX Police Department who can verify the authenticity of my FTC and police reports. I have also been made aware I have been affected by the XXXX Data Breach. I believe I am taken advantage of. I am extremely disappointed in their handling of this matter. It has caused me pain and hardship. They are in blatant violation of FCRA 605B. I demand these items be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I currently have a mortgage with Selene. I had fell behind in payments and Selene was playing games working out a payment plan so I filed Bankruptcy. So I went through years of making my bk payments and now that I am through and my bk is paid off and have received my discharge. I have worked on my credit and have a score of about 750. So it is time to get out of that 7 percent loan with Selene but however they will not give me my monthly mortgage statement. They said for some reason my statements are not being generated and nobody seems to understand why. I have made many verbal request for my monthly statements however to no avail. I need to make sure my payments are being properly applied. Im trying to refinance and need two past statements but Selene is failing or refusing to give to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
The CMI Group d.b.a Credit Management , LP is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Credit Management can not provide any proof that I entered any legal contract with them to even attempt to collect an alleged debt. I've sent letters letting Credit Management know under FDCPA 15 USC 1692g that I am requesting proper validation of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
It is now close to 6 months and XXXX XXXX XXXX is still incorrectly reporting an account. The account was at a XXXX balance since XXXX. Yet until this past week it was reporting a small balance. In addition and more important, the misreported 2 late payments ( 1 is NOT even valid ). There was a legitimate late payment in XX/XX/XXXX and an incorrect one reported in XX/XX/XXXX. When Experian showed an updated report this am, it now show a XXXX balance late payments in XX/XX/XXXX and XX/XX/XXXX. This is IMPOSSIBLE!! Please finally correct my report. The only late payment should be XX/XX/XXXX. NOT 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 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
i received a discover credit card that replaces my old one.

I'm not sure if this is a problem, the new one doesn't have the hologram on the back of the card. My old one does. This is a red flag for me because all of my credit cards have holograms on the back. And all of my moms and friends cards have holograms. I called discover and even used the chat function on discover website and I wasn't given a definitive answer. Stuff like some cards don't have the hologram on the back. I'm not sure why they would get rid of a feature like this that helps consumers identify fake cards. I am not sure what to do. Looks like my old card except for the hologram and new security code. There is no information on the discover website that helps me with pictures of a card, or information on holograms. I'm not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TX

Complaint narrative:
I mailed my fraud identity dispute with the FTC report, notarized affidavit and a police report and Transunion and XXXX are still reporting information from the result of fraud. Their response to my previous complaint states they are still working on it ; however, the FCRA 605B ( 15 U.S.C. 1681c-2 states the information should be blocked within 4 days. As you can see, this investigation has taken over a year and I keep getting the same response this account is verified. Well Transunion and Experian are in violation at this point and they wont even send me the documents or details that they have to keep verifying these fraudulent accounts. I feel like my disputes are being handled by a machine and they are not following the rules which prevents me from having a fair investigation. I demand proof and to have the accounts listed in the dispute blocked immediately, all 3 bureaus have had much more than 4 days to block this information and finish their investigation. I followed the rules and so should they or there will be a lawsuit filed if I receive the same response again.

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