vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried numerous times contacting Experian via phone and online to dispute accurate info and haven't reached a live agent. Experian online disputes directs me to call Experian 's number. I'm unable to view or submit any info online to XXXX  regarding disputes. The reps at XXXX are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from XXXX  closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX XXXX mailed off documentation XX/XX/XXXX to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach Avant regarding reimbursement they owe me and I never owed a debt to the complex. 


Experian and XXXX  have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach Experian by phone or online to dispute this inaccurate info. XXXX  didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from Avant property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX am after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since 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 2020-12-03 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?

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 2020-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I had an account with Ally Financial account # XXXX which was paid to a XXXX balance yet, when I checked my credit I see a balance showing for {$210.00} this is false information.

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 2020-12-03 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: FL

Complaint narrative:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.

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 2020-12-03 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: FL

Complaint narrative:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.

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 2020-12-03 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. 
( XXXX XXXX/XXXX/doctors/XXXX  ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. 
In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX XXXX. C & H was no longer handling my account. QAR took it over. I again made payment arrangements with them and paid {$2000.00}! 
QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it four years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!

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 2020-12-03 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I received notice from my employer that she received a unemployment request by me and had my person information. I am not unemployed! My employer and I followed up with XXXX with the information that I did not request any unemployment. I followed up with Equifax due to I was included in the breach that occurred in 2017 and requested monitoring services. After speaking to several staff there I received report that until the appeals in court are processed I will not receive any monitoring. Asked to file a complaint within the company and had problems getting to supervisor. After talking to supervisor, it took me sometime to get him to file a report. He provided the # and information he supposedly entered into the complaint. I am angry that I did not give them permission to hold my information, they did not secure this information and was breached. Then they reported " sorry '' but are unable to assist me when it was their fault my information was gathered by a stranger. I am sure that due to COVID and high unemployment I am not the only one this is happening to. Equifax presented to me that it is not their problem to assist me. I did not want to provide them any more information than what they have or sign up for any services that they have and can be construed as my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
On XX/XX/2020 I was trying to make a payment online to our mortgage company, NewRez. I went into the website like I always do to make my payment. When I logged in to my account and put in my login information, it went to the same page as it always does to enable me to make my payment online. When I clicked on the make-a-payment button, I got a message saying that this loan doesn't accept online payments. I tried it several more times thinking that maybe I put in the wrong info and kept getting the same result. I then called the number for customer service listed on the website and also another number listed on my statement. I finally talked to a csr and when I gave them our loan number and my husband 's SS #, they told me they couldn't find our account information. I asked them how that could be true, because we have had the same account info since we have been with this company. They acted like they didn't know what could be wrong. I asked them why I was not able to log in and make my payment online like I always do, and they said they didn't know. The csr told me that they would inform their tech dept about the issue, and they would contact me by email about it within 24 hrs. Today is XX/XX/2020 and I still haven't heard anything from them on this matter. I just logged into my account again a few minutes ago, and when I put in my login info, it told me my info is wrong. I know that I am putting it in correctly, because I have my info written down so I wont forget. I have heard about people getting their mortgage information stolen and others using it to open new accounts. I need to know what is going on with this. Also, I just realized that the number I was giving them was an account number and they asked for a loan number, which I don't have. But they should still have been able to find our account info using my husband 's SS # and the account #. Your help is appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have never had an account with Verizon. This account is not mine. I have disputed it before but the company refuses to communicate with me or remove the account from my credit report

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 2020-12-03 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I been disputing this account since XXXX of XXXX I've been a victim of identity theft. I contacted the bureaus about this account they took account off. XX/XX/XXXX I receive a new credit report and discovered the original company sold the debt and put it back on my credit report i contacted the company and told them about my issue and it still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK
State: MO

Complaint narrative:
I had an account with Commerce Bank. I decided to change automatic payments from that account to a different account at a different bank. Due to timing the payments hit the Commerce Bank account when it had no funds in it. I had already set up the outside accounts to be paid to the new account but again, timing didn't work out. Instead of returning the payments, Commerce forced the payments through. What is strange is that they had returned them at one point and then when the company tried again, Commerce forced it through. 

When opening the account, I opted out of any overdraft protection the bank offered so those charged should not have been honored and returned by the bank. 

Since the payments were forced through by Commerce Bank and my outside company account was paid, I offered to pay the amount the account had gone overdrawn as a result. I refuse to pay for the fees because the payments should not have been forced through by Commerce Bank. 

I have intermittently tried over the last 4+ years to talk to a branch manager to waive the fees so I could pay the outstanding balance. I have been denied every time. 

I tried again today and was told the fees can't be waived now because it's been too long. I was also fed a line about the payments being a different kind of ACH so that's why they got forced through. I happen to know that is not true and do not appreciate the lie. 

I will gladly pay the outstanding balance but will not pay the fees. Their error has cost me the ability to open accounts at other banks. Fortunately, I opened one before this issue hit XXXX so I have a functioning account but this shouldn't stop me from being the responsible consumer I am. 

The amount I believe I should be liable for is {$83.00}. I would need Commerce to verify that though.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: IL

Complaint narrative:
Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX  response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.

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 2020-12-03 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: IL

Complaint narrative:
Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.

Company response to consumer: Closed with explanation