vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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:
SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX XXXX AND EQUIFAX XXXX AND XXXX, XXXX AND XXXX DOES NOT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXXXXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU EXPERIAN XXXX AND XXXX XXXXXXXX AND XXXX, XXXX AND XXXX DOES NOT 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 explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided XXXX and Experian with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX to Experian and XXXX  so that they can follow accordingly. Experian and XXXX have not updated my credit report. They are ignoring my notices and I have resulted to complain on both Experian and XXXX as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that Experian and XXXX need to remove the inaccurate 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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
To Whom It May Concern, I am having an ongoing issue with XXXX XXXX XXXX  ( XXXX ) over an account which was created without my authorization. The account is not mine and has been duly reported to XXXX and the police, including an identity theft affidavit. 
XXXX refuses to remove the account from my consumer credit files and has stonewalled any lawful investigation into its removal. The data is listed on the derogatory section of my consumer credit files under personal culpability when it is not even mine. i am asking this agency to oversee the contact and removal of this account from my reports within the 30 day guidelines under Fair Debt Collection Practices Act rules and in accordance with the Fair Credit Billing Act. 

It is not mine and I should not have this marring my files for their lack of security in issuing a card used by identity theft.

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 monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/2021 Receiving incessant calls from Midland Credit MGMT> Rep argued with me about removing my personal number from dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
To whom it may concern, I reported my card as lost/stolen around mid XXXX. I have declared a few charges as unauthorized, and have signed an affidavit of fraud, upon bank 's request ( please see attached ). A police report # XXXX has also been filed with the XXXX Police Department, regarding these transactions. 

On XX/XX/XXXX and XX/XX/XXXX, the bank denied my claim stating all these transactions are valid. 

First of all, I would like to state that I still consider this dispute unresolved, and disagree with the bank 's decision. I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''. 

Secondly, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. In the letters sent to me by the bank, I have not been provided with any explanation. All I have been told is that these transactions have been determined to be valid. They have also failed to mention on the letter that I am entitled to a copy of the documentary evidence used by the bank in this determination. 

According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act. 

I consider this letter, the bank 's last chance in resolving this matter amicably. Failure to do so, will result in my attorney filing a complaint against City National Bank for violation of the truth in lending act in refusal to provide me with explanation as to why they believe these charges are valid, lack of mentioning the part that I am entitled to a copy of the documentary evidence used by the bank in reaching their conclusion in their final letter regarding the status of the claim, and lastly, refusal to provide me with the documentary evidence used by the bank in reaching their conclusion that I have made a request for, multiple times in writing, including in this letter. 

Thank you for your time and consideration, Sincerely, XXXX XXXX CNB XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
there is a wrong info on this report and inaccurate information on Experian. The other two companies XXXX and XXXX has already removed this erroneous account from my report, for some reason Experian will not budge. II have sent them over 10 letters to supply the documents proving that what they report is true and they have refused to do so. yet Experian will not delete the account off my report even though they are not following the law.. They will not send me proof of there reporting. 

XXXX XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Lease Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$7000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CO CO CO OK OK OK OK OK OK OK OK 30 60 OK OK OK OK OK OK 30 OK OK OK OK 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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of Winn Law Group. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively cruel and perplexing. Perplexing because it claims the debt is from an agency by the name of XXXX. I have never heard of XXXX or Winn Law Group in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2021-01-15 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:
I sent a certified verification of debt letter to the Medical Business Bureau. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentaion and the Bureau could not proivde this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I am writing this second complaint because on the first complaint I sent they simply said case closed. So this is my response to their reply on my first complaint This is the Second time you are receiving official direct credit reporting issue because I have decided to file it through CFPB after not receiving a response on my previous ones that I have filed. You are hereby saying that I have always made manual payment prior to that date ( Which is correct ) I also stated that after changing my banking info ( Go ahead and check that in your records ) you will see that I have 2 bank accounts on my profile attached, I was told I am good for the auto pay. I switched my bank account and I called to set that auto pay up. The timeframe you said I set the autopay is because I got tired calling you for the same thing and I did it online. Same as you claim that you have called me numerous times and tried to reach me I did the same with you. I called and explained myself that I don't do LATE payments. Your payments are the only one that are reflecting bad on my report. My credit score is again PRISTINE clean with never being late on a payment. Why would I knowingly not pay you and let my score go down? When TONS of your customers were deferring payments due to corona pandemic I didn't and I kept paying. Now here I am trying to remove an injustice done to me by the Bank that I am with for the previous 5 years and in that span I have never missed a single payment, on top of that I have made EXTRA payments ( Maybe you should go and check your system for that as well and let me know ) So my point is why wouldn't you remove something that its not done by me? Is that how you appreciate and look after your current long-term customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Mr. Cooper purchased my home loan the last week of XX/XX/XXXX. I paid my mortgage payment of XX/XX/XXXX to my pervious mortgage servicer because I had not received any notification. A letter from Mr. Cooper dated XX/XX/XXXX was sent to me, but I did not receive it until XX/XX/XXXX. I followed the instruction in the letter to setup an online account. I discovered at that time, they had my account reported as " Past Due. '' I contacted them immediately and told them that I made the XX/XX/XXXX payment to the previous servicer. I was told they would not charge a late fee, but that I would be reported to the credit bureau if a payment was not received by XX/XX/XXXX. I made two XXXX payments and now I am responsible for the XXXX payment. I provided them with an account history, payment confirmation, and a bank statement and they still will not credit me for the XX/XX/XXXX payment. I have sent chat messages and made several phone calls and they have not resolved the issue. I provided the account history and payment confirmation from the previous servicer on XX/XX/XXXX through the secured messaging system on the Mr. Cooper website. I provided these same documents again along with a bank statement with the mortgage payment highlighted on XX/XX/XXXX through an email to XXXX after a CSR name " XXXX '' told me that nothing has been done with the previously submitted documents. I am always one payment behind because they will not give me credit for the XX/XX/XXXX mortgage payment. I can not afford to lose {$1300.00} because they purchased my loan and sent notice of this action after I paid the XX/XX/XXXX payment to the previous mortgage servicer. They refuse to work with me and only threaten to report me to the credit bureau if I don't continue making this extra payment month after month. I have provided all requested documents and made the extra payments to give them extra time to complete their work. They chose to buy my loan, and even though I had no choice in the matter, I am being threaten with Past Due notices and warnings about my credit when it all goes back to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX XXXX Credit/Off lease XXXX XXXX XXXX US SM Bus Admin ODA Inquiry : XXXX, XXXX, XXXX. Inquiry : XX/XX/XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. Inquiry XXXX XXXX, XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 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 2021-01-15 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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