vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I received a Writ of Garnishment and it said I had 28 days to respond with either an exemption for garnishment or a dispute. I was going to send in the exemption because I owe child support, plus take care of my 4 children and wife in my own home. The following day after receiving the documents I found out my check was already garnished! I didn't even get a chance to turn in the exemption before they started the garnishment. I sent in the letter anyways and by this time I had gotten another garnishment of my paycheck. I dont even know what this debt is for. It says no where on the paperwork what it is and who it is for. Just Allianceone Receivable. I am trying to save money because of the COVID-19 shut downs. I am losing my job soon, this couldn't have come at a worse time. I turned in the Exemption form and they are threatening me with more attorney fees and charges if I don't withdraw my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
Afni {$400.00}. This account is an result of identity theft. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
as previously notified I am a victim of identity theft, I am not a credit repair company I am a person

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 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Metro Collection Service Inc.
State: FL

Complaint narrative:
Debt was placed on my credit w/out notifiying me first and I am not sure it even belongs to me as I have never been to a surgical center in XX/XX/2020 as it states.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: LA

Complaint narrative:
Ive wrote the credit bureau multiple times requesting a contract or documents bearing my signature obligating me to these accounts which I still have not received and as a result I demand removal of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: ID Analytics, Inc.
State: NY

Complaint narrative:
as previously notified I am a victim of identity theft, I am not a credit repair company I am a person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
here is a second copy of my ss and ID as per Experian request

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 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/2020 no message Midland Credit Mg XX/XX/2020 no message Midland Credit Mg

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
During XXXX/XX/XX/2019 I was inquiring with various banks on refinancing terms for my primary home. In the discussion with Citibank the representative on the phone pulled my credit. I was so surprised as I never gave her authorization to do so. I told her I needed the inquiry removed from my credit reports. She indicated she needed to work with her supervisor. Several weeks later she called and indicated the inquiry would be removed. several weeks later the inquiry was not removed. I have called Citibank several times to inform them of this problem. I have been re-assured several times it would be removed. I have a voice mail from them telling me the inquiry would be removed. However, the inquiry has not removed. I want this removed and they have not responded with a positive result.

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 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
have not been refunded and I do not want to be affiliated with any of your services or their services I need my money back for the XXXX something that Google pay authorized without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to 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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received notice on XX/XX/2020 that credit card account would be closed due to inactivity. Called bank to try to keep account open. Request was denied. Have long-standing and active relationship with bank across other products. This abrupt and unnecessary shutdown will negatively impact my credit score by reducing available credit ( therefore increasing credit utilization ), decrease average account age, and decrease active good standing accounts on credit report. Additionally, this deviates from industry standard practice which is to give a customer 30 days to make a charge on an account to keep it open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: ERC
State: NY

Complaint narrative:
I had a contract with XXXX XXXX XX/XX/XXXX and had lapsed on my payments. It was sent to Enhanced Recovery Systems ( ERC ) XX/XX/XXXX. The Amount that was sent to collections was {$340.00}. I had called them XX/XX/XXXX to resolve this collection and was given options as to what could be done. We agreed to Legally Pay in full for less than the full amount on XX/XX/XXXX with their agreement to remove themselves from my credit report. That never happened. I called several times within the past 11 months to ask them to remove themselves based on our agreement and they would tell me that i had to call XXXX XXXX to have them to call or send a letter to them ( ERC ) to have them remove themselves from my credit report. I did this. Every time i called XXXX they were unable to locate my account and had no record and that i would have to call them ( ERC ). After going back and fourth I tried reaching out to XXXX  to file a dispute last week. I called XXXX  today, XXXX, to check the status and XXXX  3 way called ERC and told me the same thing. I needed to call XXXX XXXX and have the send a letter or call them to be removed from my report. XXXX  told me to call XXXX and so I did. Unsuccessful again. they could not find me in their system nor in their old data bases. I was transferred to a senior specialist and was told he couldn't find me or remove it or call anyone or write any letters, and that i would have to wait for it to be removed on it's own with time. So i am here to have some assistance from you to help me get this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

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 2020-06-12 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: PNC Bank N.A.
State: KY

Complaint narrative:
Won't let me connect my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Army and Air Force Exchange Service
State: AP

Complaint narrative:
Navy Exchange ( NEX ), the " XXXX '' onboard US XXXX bases, offers currency exchange for personnel stationed overseas ( in XXXX ) to  pay their off-base rent. However, the exchange rate offered is always 2-3 % less than the Bank Rate for US dollar to XXXX XXXX exchange. 

To offset this, the Navy Exchange provides a {$10.00} gift card for use at the NEX, for each month paid. However, this is inequitable because the gift card is always for the same amount, regardless of the monthly rent amount ... so a single military member with an $ XXXX/month ( equivalent ) rent payment derives more proportional benefit from this {$10.00} gift card than a military family whose rent could be closer to $ XXXX ( equivalent ).

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 2020-06-12 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:
I mailed dispute letters in XX/XX/2020 pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/2020, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/20 informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.

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 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I called PHH mortgage company to discuss relief for monthly mortgage payments. I was immediately place in some kind of shady scam forbearance plan without my consent. I later learned that PHH forbearance plan and the Cares act forbearance plan are nothing alike. PHH mortgage company refuse to offer a forbearance plan in accordance with the Cares Act which offer 180 monthly mortgage payment relief and an additional 180 day relief if necessary. I want to exercise my rights to the benefits offered to me by the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: LEXISNEXIS
State: TN

Complaint narrative:
Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the Lexis Nexus and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work over the road as a truck driver and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Hello, I would like to lodge a complaint with the illogical and ultimately unfair system run by the three major credit monitoring companies. I would like to see a permanent and free system of locking/unlocking required of these companies, and, for there to be a guaranteed level of quality control.

The biggest two problems are with XXXX  and Equifax. Putting aside the massive data breach that Equifax is responsible for I find their current systems to be an undue burden on me, the citizen. I have had multiple attempts to apply for a credit card, thinking it would be a simply process as my credit history is clean and my scores are excellent but the efforts were stymied by the systems these two companies have in place. Specifically- Equifax 's website ( myequifax ) is unreliable and there have been occasions when I try to log in and it rejects me saying I need to contact them to proceed. This occurred two days ago. I gave it another shot today and it worked. Nothing I did was different and the website gave no notice of being serviced- it simply rejected my attempt to log in. 7 months ago I ran into a similar problem and I called their customer service. The first rep put me on hold and then hung up on me. The second rep was able to help me proceed with the freeze but only after I spent a good amount of time on hold and a great deal of energy explaining how it would be an undue burden for me to have to gather all my paperwork and mail it in to them to request my account being unfrozen being that their website guarantees this service and it is their fault the website wasn't working. With XXXX  I have had similar experiences except that their reps have been of no assistance and I am unable to freeze/unfreeze online despite the fact that all my information is correct and I have the original pin number I used to set up my account with them. My only option is to take my time to mail in a request to them, request my credit be unfrozen for a longer window than I am comfortable with, wait for confirmation, and then proceed with the financial transaction I originally intended to do. As XXXX  's IDNotify 's free year trial service ran out for me about 6 months ago I have no better option and am not going to pay them XXXX 's of dollars a year simply to have more control over my information. 

Ultimately I did not choose to have these companies monitor my credit and would prefer they did not have access to my personal information ( hello Equifax data breach! ) but being that I don't envision that changing I would request that you advocate for permanent, reliable, and free credit services for citizens like myself. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-12 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I am trying to link my PNC bank account as a funding source with XXXX XXXX. To round my change up to invest in stocks and make investments. And PNC bank blocks their customers from being able to make their own financial decisions and will not allow them to link accounts to invest with XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MS

Complaint narrative:
SOMEONE USED MY INFORM TO APPLY FOR ACCOUNTS IN XXXX THIS HAS BEEN AS PAIN TO MY LIFE

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 2020-06-12 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: DISCOVER BANK
State: FL

Complaint narrative:
On Thursday XX/XX/2020 I tried to submit updated disputes for the two collection accounts that are reporting incorrectly on my credit reports with XXXX, XXXX, and XXXX.I was denied because XXXX  ( the burea I disputed through ) stated that they are not required to validate duplicate disputes. The original dispute however, was never validated, and I never received any correspondence by mail. 

I have also reached out to the individual creditors Discover and XXXX XXXX pleading for verification of the account, or the reported balances, and neither companies have responded as of yet. 

I sent copies of a formal dispute letter, my social security card, and my new and old drivers licenses. The companies have yet to verify with me that the balances reported are accurate. 

Until they can prove that the balances have been reported to the individual credit bureaus correctly, I am requesting that these collection accounts, their incorrect balances, and their derogatory remarks be removed from my credit report while this is being investigated. This is in accordance with the 30 day guideline that states the credit bureau ( s )  have 30 days to look into your dispute, based on the information you provide to it.

Company response to consumer: Closed with explanation