vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: FL

Complaint narrative:
Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX EQFX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Mortgage Research Center, LLC
State: OR

Complaint narrative:
Have a veterans loan with Veterans United. Veterans United automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. VU never completed a phone call or mail notification of the problem. VU removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with VU for weeks to correct the problem. However VU and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

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 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I called and spoke with A rep from Auto Acceptance trying to get clearance on a supposedly debt I have and a repo on my credit report that has me as a joint co owner. My ex husband XXXX XXXX had that loan and I did not authorize no one to list me as the co signer just because we were married at the time. I was only to be a reference. on XX/XX/2020 I spoke with a young lady name XXXX from auto acceptance that stated she couldnt find me in her system and then I told her it has me as cosignor and i gave her my husband name XXXX XXXX and she found it under his name. I believe they are trying to hold me responsible for his debt since i called them to clear my name and they couldnt prove to me that I owe this debt, then she said it must be in an old system that she cant access when I asked for paperwork again, so then she said to call XXXX  and I asked who are they and she said to just put in my ss # and it will direct me to the person that supposedly has that information. I was told to call XXXX press option 1, well I did that and I was transferred to mrs XXXX and for 2 days straight I got no answer and I left 8 messages between co workers and voicemail and i even put in 2 request for call backs. I called back and asked if I can speak with someone else and they said no. I asked does this person still work there and they said yes and they will send her an email to call me and still nothing as of today. I spoke with XXXX  and they refuse to help immediately because the account is still under dispute until XX/XX/2020 .I spoke with XXXX XXXX XXXX XX/XX/2020 from XXXX  i explained i couldnt verify this with the company and its affecting me getting a mortgage. He still refused to acknowledge FCRA, FDCPA & CFPB guide lines. I believe this is a scam or extortion on my credit report because no one can provide me any information on this matter or show my signature and drivers license with the original contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XX/XX/20 ... a convergence of issues arose as to where I was not able to access any electronic device for approximately a six month time frame ... .this is of a personal nature and is beyond the scope of the complaint. A search of my general credit report will show that only ONE account via CHASE bank ever became behind or outstanding due to non-payment. I was under the impression the CHASE acct. was automatically being paid via personal arrangement as were ALL others during this time ... also, easily documented. I have contacted CHASE, brought the acct. current and paid all late fees, as I am surely obligated to do and accept responsibility for. Especially, during these times of a pandemic, it would appear as if perhaps I am being treated rather harshly by CHASE as to their absolute refusal to withdraw the negative reporting, or perhaps modify in some way. I dont think this is the intent behind our financial protection laws. Had I known I was behind, I would have gladly brought this acct. current. The negative reports by CHASE have caused great aggregate harm to my current report and does not accurately portray my consistent past behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: NV

Complaint narrative:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account ASAP.

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 2020-12-04 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: NV

Complaint narrative:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account ASAP.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to open a line of credit, and I was rejected because SageStream, a credit reporting agency with which I've never done any business and never asked to apply a freeze to my account, reported a fraud alert on my credit with them. 

On XX/XX/XXXX, when I was alerted to the reason behind the denial, I attempted to request a replacement PIN through the SageStream web site so I could remove the freeze myself. They were supposed to send a replacement PIN in the mail, but one never arrived. 

On XX/XX/XXXX, I called SageStream on the phone to request a replacement PIN and was again assured it would be mailed to me. 

On XX/XX/XXXX XXXX today ) I received a postal letter indicating that my request to freeze my credit was a duplicate of my request to freeze my credit received on XX/XX/XXXX. On no occasion did I ask for my credit to be frozen : in all cases I've merely been asking for a replacement PIN so I can control the freeze that was placed on my file without my consent. 

SageStream has also XXXX the ability to call and speak to someone directly by phone ; they direct all requests to their inept web site which is singularly unable to process my request for a replacement PIN. I am unable to proceed any further, and SageStream 's unwillingness to help continues to block my ability to request credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from Experian, XXXX  or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.

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 2020-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX, my card was recently stolen and charged fraudulently 9 times. I Called Capital one Sunday XX/XX/2020 on the number from online customer services, since the card is not in my possession. I spoke with representative XXXX, who confirmed my personal information for security purposes and investigated my account history. I informed the rep that I was referring to all charges with purchase date of XXXX - XXXX ( days in which I was in the hospital on a 72 hr hold. ) I was placed on a hold and when rep was back, I was informed that she was disputing a total of 11 charges with {$920.00} of charges due back to my account. 
**I have all my hospital paperwork to support that I was not able to purchase or make any of these transactions. ( Which none was even requested ) I do NOT have and authorized users on my quicksilver credit card, I DID NOT lend or give my card to anyone. 
Once I was able to get in front of my desktop, I reviewed my account and only found 9 charges should be disputed with a total of {$910.00} total. So that alarmed me to think that there must be a filing error with the dispute. Leaving space for denial. I in no way wish to dispute any charges that I am truly responsible for, but I will not stand by and pay for something that has been stolen from me. 

On the XXXX of XXXX early morning ( less than 48 hr from starting dispute ) I received an email stating that the charges were not fraud and I was responsible for charges. I called once more on XXXX XXXX, 2020 spoke with XXXX who was quick to believe due to the quick turn over of decision must have been due to a filing error in dispute. Who then I was transferred to XXXX ID XXXX who told me was the - Account manager in Fraud disputes? XXXX unfortunately was the XXXX to tell me that the charges were not going to be refunded and were my bill. So, upon hearing this information I requested a higher management. Being told he was the person and that nothing could be done about my account balance, I then requested for an email to XXXX. 

My fight here is the injustice for the customer, being ME. I was hospitalized with supporting documents to prove my side. To only come out and find out someone stole my card and used XXXX $ of it. I questioned XXXX what the steps were taken for making the decision of deeming me responsible. Which he had no answers for, the stores that my card was used at should have video surveillance to further support that the shopper was in fact NOT myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, TransUnion or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.

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 2020-12-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, XXXX  or Equifax about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: OR

Complaint narrative:
Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

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 2020-12-04 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: OR

Complaint narrative:
Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three  credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

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 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
On XX/XX/2020 Enhanced Recovery Company reported a false debt collection to XXXX  in the amount of {$200.00}. The debt is fraudulent.

Company response to consumer: Closed with explanation