vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 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: OH

Complaint narrative:
To : Experian or XXXX  or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX.

Please govern yourself accordingly,

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 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have recently refinanced my mortgage with loanDepot. After the mortgage was closed, I had issue to set up online payment. I have tried to call them for 15~20 times. Every time there was a long time and eventually I had to disconnect after 30~40min wait. In the very few times when I was able to talk to someone, I was told it will be fixed next day or in a few days which was never true. Almost 3 months after the loan close, I still can not set up my online payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: SC

Complaint narrative:
On XX/XX/2020 and on XX/XX/2020 I sent Experian XXXX. XXXX  XXXX XXXX TX XXXX letters challenging the accuracy, compliance and reportability of a debt that they have been reporting I asked Experian to provide me with copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature, I requested that the information be immediately deleted from my credit file I have got no such documentation bearing my signature and they continue to report this without evidence

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 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
{$340.00}, XX/XX/2018. I reached out to the them. This debt is on my credit report and is preventing me from getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: OH

Complaint narrative:
To : XXXX  or XXXX  or TransUnion I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,

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 2020-10-11 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: OH

Complaint narrative:
To : XXXX  or Equifax or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Service continues to call me numerous times a day after I've repeatedly told them not to. I've also tried to block their number, but they keep calling from different numbers that I can not keep up with in blocking them.

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 2020-10-11 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: OH

Complaint narrative:
Dipsute involves 7 disputes was not authroized and needs to be removed. I have attempted to resolve issue with reporting agency, but have gotten no where. Attached will be the list of inquries that needs to be removed. The reporting company was also contacted

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 2020-10-11 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: U.S. BANCORP
State: UT

Complaint narrative:
US Bank needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation

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 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$200.00} I reached out to the companies. Due to these reporting Im unable to get a mortgage and Im living with my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: SC

Complaint narrative:
On XX/XX/2020 I sent equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX a letter challenging the accuracy, compliance and reportabilty of a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature I requested the information be immediately deleted i have yet to receive any documentation bearing my signature and they continue to report this on my credit report without any evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: UT

Complaint narrative:
XXXX XXXX  needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation

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 2020-10-11 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: UT

Complaint narrative:
XXXX XXXX  needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation

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 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have a mortgage with US Bank. I am now receiving suspicious emails ( three so far ) asking me to go to link regarding my mortgage application. But I do not have an open application. I have called the bank several times and forwarded the suspicious email to their fraud address. Someone appears to be using my information to get a loan or something. One bank rep said I shouldn't be concerned, with no explanation. And that's the only response I've gotten. They are ignoring this. And someone may be in the process of using my personal information and ruining my credit.

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 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2020 Portfolio Recovery Associates illegally put on my credit report a debt that I do not owe them nor the original creditor. I was never notified that they brought a debt that was already deleted years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  has for several years tried to me to a debt that isn't mine ... .. It has now been sold to Phoenix Financial Services. I have excellent credit XXXX fico and they try to destroy my credit with this fraudulent claim that I owe them {$72.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: DC

Complaint narrative:
I don't recognize the debt collections agency and have no knowledge of opening an account with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/2020 I find it appalling that a secondary debt buyer, LVNV Funding LLC, is actively filing lawsuit across state line against people who are struggling under a pandemic with unemployment, health and uncertainty. I will be filing regulatory complaints, forwarding my complaint to national law offices for their review, posting my complaint on consumer advocacy sites ( including social media ) and writing to U.S. Senators ( including XXXX XXXX ) and other government officials of your practices to raise awareness to others of what you are currently doing. 

I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

I do not have any responsibility for the debt you are trying to collect. 

Because of recent catastrophic personal events, ( including unemployment, personal and family health issues ) I have become insolvent. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe. At the moment, I am seeking assistance from others to help pay for my health and living expenses and selling personal property of mine for day to day survival needs. 

I do not see a radically change occurring in my situation in the foreseeable future. As such, I hereby request that you Cease & Desist on this matter including withdrawing the lawsuit you filed via a XXXX, Texas office XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I paid double the minimum payment for the month of XXXX. The due date is the XXXX of each month, so I paid nearly two weeks in advance. Somehow, XXXX XXXX XXXX   takes longer than any other credit card I have. Because of their lengthy amount of time to accept my payment, which I choose the day of in which I log in and make the payment, I get charged late fees and my checking account ( XXXX XXXX  ) that I pay for the XXXX XXXX XXXX  fee is getting multiple insufficient funds charges because XXXX keeps trying to pull the money TWO WEEKS after I paid ( earlier than the due date )! 1. How am I being charged a late fee when I paid nearly two weeks early? 2.  When I called customer service, the representative could not help me and her only advice was to manage my finances better ( hence why I pay near the beginning of each month to AVOID late fees and issues on the due date ( XXXX of each month ). Because of the payment not being processed, XXXX CLOSED my credit card and now my credit is going to absolutely plummet. I called customer service on XX/XX/XXXX, and I paid my bill on XX/XX/XXXX for my due date of XX/XX/XXXX of this year. That shows how long and ridiculous XXXX takes to process payments. I always try to pay more than double the minimum payment, so this whole situation is very upsetting to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11 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: AZ

Complaint narrative:
XXXX  XXXX XXXX  failed to send me a statement on an account that had a XXXX  balance, they charged a {$5.00} annual fee which I told them I wanted to pay all at one time and they refused to take a {$60.00} payment for the year. They then reported this to the credit bureau as a delinquent account. I had no knowledge they had charged me and no knowledge this was late. When I called on XX/XX/2020 to get some clarification they hung up on me.

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 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
I have received several call and mail from MONARCH Recovery Management inc. 
phone # ( XXXX ) XXXX associated with XXXX XXXX XXXX ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from Bank of America indicating that I had incurred a number of charges and that payment was due in 3 weeks. I contacted BOA ( XX/XX/20 ) and they reassured me that I would not be responsible for the charges. I have the card in my possession and the charges have been reversed. 

They claim to have mailed a new card to me in XXXX which I never received. I asked how could the card have been used when I never activated the card. They could not reply with an answer. 

This resulted in a lowering of my FICO score. I have tried 3 or 4 times to close the account to no avail. For some reason they refuse to do so. 

As you know, crime has increased significantly during the pandemic. For this reason, I felt it best to close a number of my credit cards. 

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