vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit has been on the up and up for almost 2 years. Ive been rebuilding my credit doing a great job I have been paying down my auto loan to 80 % now in just three years for a five year loan. 
I owe nothing on my credit cards. I only use my XXXX card but I use it weekly and pay it off before its due every month. Ive never missed a payment in the last 2+ years but Experian has been messing with my credit score. I have proof they would drop me 15 points or raise me five points then drop me six then raise me again all within a month or two.

I believe theyre doing this to make people use Experian boost. I think what theyre doing is absolutely criminal blackmail. 
I believe theyre blackmailing consumers into buying into their boost program to raise the credit scores when they have no right to lower them. 
They dropped my credit score 20 points in one day for no reason!!!

They say they only monitor but that is not true they adjusted my score 20 points in one day downward when the other two agencies are increasing my credit score. 

Ive been trying to build my credit up because Im buying a house in XXXX or XX/XX/2021 and Experian thinks its a game that they can play with someones credit score to make them join Experian boost.

Every time they send an alert they say need help raising your score get Experian boost. Or they send an alert saying we just dropped your credit 20 points get boost to bring it up.

I believe its a scam!!! I believe what theyre doing is criminal blackmail using peoples credit scores as the bait!!! 

I want an investigation done please. 
This is absolutely wrong. I called them this morning and they would not give me a good reason of why my credit score went down 20 points in one day.

One operator said when I paid off a credit card ( that I didnt even know 10 % of my limit on and never missed a payment ) that lowers my score. I couldnt believe he said that when you pay off a credit card my score gets lowered that is absolutely a lie its ridiculous and how dare them tell people this they recorded my conversation I hope you guys can subpoena or tell them you want that recorded conversation because he did tell me that I said it was a gas card that I charged up XXXX in a month and quickly paid off before it was due how would that make my score go down he said it does I couldnt believe it. 

I would bet theyve done this to many other consumers and I would join a class action lawsuit against EXPERIAN to make them stop these criminal practices.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I believe it was the beginning of XX/XX/2020, I answered a phone call from Credit Corps Solutions trying to get ahold of my husband about a debt that they had acquired. I told them I would have to talk to my husband before I did any business with them. We checked both of our credit reports and the debt they were claiming he owed was not on any of his 3 reports. 

So after ignoring their phone calls for a while, on XX/XX/2020, I answered one of their calls, verified that the call was being recorded, and told them that they are in violation of the fair debt collections practices act and they need to send us a validation of debt letter. Stop calling and any further communication needs to be done in writing. 

Since that phone call, almost two months ago, I am still receiving 1 to 3 phone calls every day ( Monday - Friday ). It's harassment. I'm tired of it. And the phone calls aren't even for me! That is MY cell phone number. They have my husband 's number ( not that I want them harassing him either ). I want them to STOP CALLING ME and just send us letters in the mail like I asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, XXXX, and Equifax about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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:
On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, Experian, and XXXX  about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.

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 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone used my identity to purchase a vehicle from capital one as well as a credit card. When I found out, I disputed the charges and the accounts. The credit card has since then been removed but the auto loan has popped back up on two bureaus ; XXXX  and XXXX. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Within the past month, the so called " ligitation '' company for ACE Cash Express has contacted ex-relationships, in-laws, long-distance relatives and employer to collect debt. Initially, I spoke with a representative and informed her that my family is affected by the COVID-19 pandemic which they did not seem to care much about. After a couple weeks, they reached out to one of my ex-relationship to leave a voicemail about me being served papers to my employer and/or residence. In that same day, they reached out to a long distance relative and left the same voicemail to contact XXXX XXXX. When I called back, the lady said there was noone by that name that worked there and they did not control who they called. Also, she refused to give me her name since I did not make payment arrangements. AGAIN, COVID is still affecting my family so I can make promises with no stable income. Very rude and unprofessional and threaten to be served papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received a registered letter from Midland Funding LLC on XX/XX/XXXX informing me that due to a court ruling against me in XXXX, my paycheck will be garnished to pay a debt. 
This was the first notification I had ever received. 
The person who was referenced on the court record was at a different address in a different city than mine. I have lived at my address for almost 30 years. 
I filed a fraud report with the XXXX County Sheriff 's Department in XXXX, Ohio on XX/XX/XXXX. The report number is XXXX, and it is attached to this form. 
Midland funding is requesting a signed, notarized affidavit from the FTC, but they are providing no information on how to get that affidavit. 
So I am filling out this form and attaching the report in hopes that I will receive the affidavit that they require. 
Also, upon looking at the history of this account on Midland Funding 's website, it appears that the person who owes this money has made 2 payments in XXXX. I have never made payments toward this account, since the first time I learned of it was on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: TN

Complaint narrative:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.

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 2020-11-24 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: TN

Complaint narrative:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.

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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing bought my mortgage from Ditech when they filed for bankruptcy. My monthly bill of {$1500.00} has been paid on time to both Ditech and Shellpoint since they took over. I am being charged for insurance which I have as part of my condo fees. They have been sent documentation and when I called and spoke with the insurance dept. they acknowledged it was received. They are still charging me and deduct insurance cost from my payments and charging me late fees because they say my payment is short. All the late fees and insurance cost amount to thousands of dollars and now they refuse my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TN

Complaint narrative:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I received an email from Chase saying that {$8500.00} wire transfer was made from your account. This wire transfer was not authorized by me and was initiated by XXXX XXXX. I have no knowledge of XXXX XXXX. On XX/XX/2020, I went to Chase and instructed that a freeze be placed on the account and to credit my account immediately for the {$8500.00} unauthorized wire transfer. Chase refused to credit my account and said that I had to wait unit the Claims Department finished an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and Trans Union are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX  is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.

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 2020-11-24 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Past Due : {$2000.00} XXXX XXXX I sent a letter to LVNV asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with LVNV XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed XXXX XXXX and they did not respond. 

XXXX XXXX who said they were representing LVNV said my Balance was {$500.00}. LVNV said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX, LVNV LLC or XXXX XXXX  or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and XXXX XXXX are still allowing the Collection Agency LVNV LLC on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for LVNV XXXX XXXX and LVNV XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the LVNV XXXX XXXX and LVNV XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX LVNV LLC XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that LVNV is asking from me and the {$2000.00} LVNV is telling the Bureaus.

More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have automatic withdrawal from my bank ( XXXX XXXX - XXXX  ) to Bank of America for my home mortgage. XXXX XXXX  confirms all payments made, but XXXX XXXX  sent a ( XXXX  ) letter saying payments not received for two months. They don't answer phone. System does not work. I called. No help.

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