vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: SC

Complaint narrative:
this is in reference to complaint number XXXX. 
I sent certified dispute letters to Transunion and XXXX  on XX/XX/XXXX. I have not received any letters or any type of reply from either company. It has been much longer than 30 days you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, PA XXXX.

this is not fixing the issue that you did not respond within the time allowed Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item

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 2020-10-26 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: MD

Complaint narrative:
XX/XX/2020 From : XXXX XXXX XXXX, XXXX Cell # XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX To : Fraud Dept ; XXXX XXXX : Dispute Conf. # XXXX Regarding XXXX XXXX  I recently spoke with XXXX who stated that she worked in the Fraud Dept. We were discussing my concerns with having to repeatedly dispute a fraudulent claim by a collection agency who is known to have an awfully bad reputation. I have included documentation from the XXXX XXXX XXXX Profile reflecting that in the last three years this company has 448 complaints filed against them. Please understand that most people do not waste their time to file complaints. I have also included a document from a law firm showing that XXXX lost a {$38.00} XXXX lawsuit in the state of Maryland where I live for filling fraudulent claims, because they had no legal standing. 
As you can see from the Superior Court of The District of Columbia the claim that XXXX filed against me was dismissed and that the defendant has satisfied the obligation to the Plaintiff. Therefore, for this company to continue to claim that I owe them money is fraudulent. Will you please not allow XXXX to continue to violate the law. As you review the Equifax file this claim has been disputed too many times already. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: LA

Complaint narrative:
I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, TransUnion, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, TransUnion, and 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 2020-10-26 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: LA

Complaint narrative:
I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my Equifax, XXXX, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
on XX/XX/XXXX I received via Postal mail 4 letters, AFNI Account Reference Below : Account reference # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX addressed too my personal name, by a 3rd Party Collection Company named AFNI, I called and spoke with 2 people who put me on hold then I was left to leave a message, then it hung up. I previously 4 years prior spoke with the Company claiming a debt, they couldn't verify what was purchased but said I received a product, and they finance it ... prior to this I had on record had my identity stolen, several accounts of credit opened up in my name, I did not authorize ... I have since put fraud protection on my credit file and had all 3 major credit reporting agencies updated, the company Affirm the alleged debtor, has expired the time allowed to collect, PA law is 2 years has been over 5 since prior contact, and in prior communication was alerted in XXXX that I did not purchase and was sent a fraud package, since then I had not heard from them. AFNI is not a recognized party, and I demanded they cease and desist in accordance with fair credit reporting act law. AFNI hung up both times and did not allow me to dispute, nor can I send a Cease and desist notice to their P.O.Box address, I need a physical address to do so!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
This debt is not mine due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've disputed a few inquiries that I don't know about and never received a response from Transunion.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I received phone calls and now letters saying that I owe {$310.00} for a phone loan that I never applied for or received. This is fraud. It is from Debt Recovery Solutions. Last letter received today XXXX saying 50 % off! If I pay {$150.00} the will close my account. this has been going on for about 1 year. 
I have report to credit score company and XXXX that this is fraudulentI never applied nor received a phone loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This bank is crazy I am very upset I just received a letter from them that after my anniversary year Ive been a good customer and they decreased my credit limit! When my credit is good it has not changed I dont agree with this letter and saying the reasons Ive never been delinquent and that is one of the reasons ans saying I use my card for cash advance I used it only once and I always pay them back I called customer service to complain they do nothing they dont care they should reinstate my limit to the way it was instead of telling me to request a limit increase this is ridiculous why bother when they will decline me this is not fair how they treat a good customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: PA

Complaint narrative:
my wife and i hade some home remodeling completed thru XXXX XXXX of XXXX pa. we met with the sales rep -XXXX  XXXX who informed us abut a loan with 0 % finance charge. essentially he proposed a job which cost XXXX and infront of myself and my wife said its 0 % so your payment would be XXXX we could not afford tat so we had a revised/adendum to reflect less work so a smaller charge of XXXX again XXXX came to the house and said alright now at 0 % for 60 months your payment would be XXXX. Now i get a bill from Green sky Financial charging {$120.00} far from the {$100.00} that was quoted. i called green sky and was informed there is a finance rate of 1.66 % thats why the bill is more. 

I contacted XXXX XXXX and explained this is misleading at the very least and definitely a training issue. after talking to XXXX the manager I found out they also over charged me. this entre practice was deceitful and Green Sky financial was of no assstance. The seem to be predoratory lending with all parties envolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I deposited a check using credit funds from a different bank ( i.e., XXXX ). These cash advance checks were sent to me by XXXX. I had approximately {$15000.00} of credit remaining on my XXXX Account, so I wrote a check for {$5500.00}, not knowing that my " cash advance '' allowed amount was only around {$1700.00} ( there was NO information enclosed with the checks that they sent me stating this ). Consequently, the check did not clear. I phoned XXXX and spoke with a customer service agent who informed me ( erroneously ) that my cash advance amount was only {$5200.00}. So I wrote another check for {$4900.00} and deposited it again to my Fifth Third Bank checking account. Once again, the check was returned by XXXX. Today upon phoning XXXX I spoke with a supervisor ( name : XXXX ) and she disabused me of the previous erroneous information that I was provided. She informed me of the {$1700.00} limit, apologized, and refunded all charges associated with the return of the two checks. Almost immediately after the first check was not honored, Fifth Third LOCKED my account!!! Now hear me : this is an account that my Social Security checks are directly deposited to!!! I have phoned Fifth Third several times. Spoke with a customer service person named XXXX, even met with her once in person. She was very personable and has tried hard but has been unable to resolve this. I believe that the manager of the branch ( located at XXXX XXXX XXXX XXXX, XXXX, IN, XXXX ( must be quite intractible and wholly unappreciative and irrational. I have been banking at this branch for YEARS and have paid them hundreds of dollars annually in fees, etc. To treat me like this is far below what I have experienced at any other bank OR AT THIS BANK previous to her tenure as bank manager. Pretty hard to fathom how they can lock an account after two mishaps as described above. I am preparing a complaint with the Federal Reserve after I submit this one as well as any other appropriate entity that interfaces with banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NY

Complaint narrative:
This is in regard to a charge off account they are claiming and I asked them to validate that this account is in fact mine bearing my signature. They have never responded. It has been a while.

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 2020-10-26 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: NY

Complaint narrative:
Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. 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 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
The first collection requst was from XXXX XXXX for TV service in XXXX XXXX about a year ago. 
I disputed it and explained them that I never lived in Nevada and I did not receive any service from them. 
They removed it from the credit report. 
Now CREDIT MANAGEMENT LP revived it on behalf of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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:
I've written Transunion in regards to date of last activity on my account for XXXX and they have not responded back or sent any results.

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 2020-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I have joint protection on our Home Equity Loan from Well Fargo Bank, which is clearly stated on our contract that we signed on XX/XX/XXXX. Our Home Equity Loan is being paid monthly through an automatic payment taken out from our Wells Fargo checking account since we signed up for this loan. My husband passed away last XX/XX/XXXX and when I informed the bank on XX/XX/XXXX of my husband 's death, I was informed that my Smart Payment Plan was cancelled. The bank could not explain why this was canceled so I requested it to be reviewed. 
I requested for a review why our joint protection was canceled without my knowledge since I never changed my payment plan nor I ever signed any document that justify this request for cancelation. 
My automatic payment has been outstanding and never missed any payment. 
I was advised that it might take about 2 weeks to pull the contract to be reviewed. 
On XX/XX/XXXX, I left a message to the Bank representative because I have not heard any responses. 
On XX/XX/XXXX, I got a call back from the bank stating that there was no updates yet and he said to check again after a week. 
On XX/XX/XXXX. I called the bank for a follow up and left a message. 
On XX/XX/XXXX, I called again and spoke with the bank rep and I was told that there was no updates yet and that he will escalate it and will provide a call back on XX/XX/XXXX. 
I did not receive any updates the following week. 
On XX/XX/XXXX, I got a call from the bank rep stating that the Smart Payment Plan was canceled at my request on XX/XX/XXXX. I told the bank that I did not sign any cancelation and that my automatic payment is still going on up to date. And my automatic payment amount remains the same since the first payment of my loan. 
He provided me with a copy of my contract that has the joint protection and a copy of a notice where it says the Smart Payment Plan has been waived. 
Your help is much appreciated and thank you in advance.

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 2020-10-26 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: NV

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: SC

Complaint narrative:
this is in reference to complaint number XXXX. 
I sent a letter to Transunion on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX this is not fixing the issue. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item

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 2020-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: World Omni Financial Corp.
State: AL

Complaint narrative:
Southeast Toyota Finance was asked to verify a debt owed within 30 days and they failed to do so. This means, the account should be deleted from my report. 

Southeast Toyota Finance has sold this account to a debt collector whom I pay {$50.00} a month currently. 

They do not own this account but is reporting on my credit.

Company response to consumer: Closed with explanation