vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-11-30 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: GA

Complaint narrative:
My identity was stolen and a couples were made in my name due to wallet stolen and Equifax credit breach. I submitted all the information to show it was on there and they needed to be removed. Equifax said it was removed but it was still showing on my credit report. Also showing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I applied for credit a few months ago and was denied because of an account on my credit. I have since written several dispute letters to Commercial Acceptance and they have never sent me any validation of any type. I have not heard from them at all. I do not know why they are on my credit, I have never applied for credit with them, and they have repeatedly denied my rights of debt validation. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CO

Complaint narrative:
America First Utah XXXX closed my account I had for 35 years without a call to me. My direct civil service account is direct deposit. Once my wife called about the problem I changed to XXXX AFB but the problem becomes two fold. It doesnt take effect until XX/XX/2021 and misses 3 payments. I am without funds over the holidays for reasons unknown. The direct deposit is a 30 day delay and then it hits on the wrong date due to change thats 60 days without retirement pay. Someone really messed me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to file a complaint against Experian, XXXX, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I mailed in a mortgage payment check which the lender 's sorting machine destroyed, I called in the payment, and the lender drafted the funds from my personal checking account which cleared without any issues, I received a letter telling me that the payment was returned without being honored, I faxed proof that it cleared, they said that the did not receive the fax, I uploaded the proof to the website that the payment had in fact cleared the check I did a 3 way call between the lender 's representative named XXXX and a representative XXXX from XXXX XXXX XXXX ( the bank that the funds were drawn from ) and she confirmed that the funds did clear without any glitches, I need assistance getting this situation resolved as the Mortgage Lender is not cooperating at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to file a complaint against XXXX, XXXX, and TransUnion. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXXL XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account

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 2020-11-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to file a complaint against XXXX, Equifax, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification JPMCB XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2020, my daughter, XXXX XXXX was notified that USAA bank has decided to cease all banking business with her. They asked that she please go ahead and make the necessary steps to move all direct deposits. This also included stops of any debits that normally come out of the account monthly. As my daughter has stated on several occasions, this is fine and we can move to another bank ; however the day that USAA decided to close the account and place the account on credit hold, was the day after my government funds from the VA could be moved. I get {$1600.00} from the VA each month. While I am fine with paying USAA what my daughter owes to settle this and be done and settled. I have explained this to USAA reps several times over the last few weeks.Apparently the fraud department has decided to place the account on credit hold and hold all funds. This is rediculous especially when the provisional credits that are in question are far less than the money deposited in the account. 
Also, my daughter sent information that the bank needed on XX/XX/XXXX regarding the disputes which lead up to the USAA decision. She even filed a complaint on XX/XX/2020 with CFPB about this matter and the results were USAA is currently working on it. USAA is not working on anything, they have made their decision which is totally unprofessional of a bank. When you call the XXXX number for USAA they state to tell your representative that you are having a hard time and they will do what they can to assist. Well as of XX/XX/2020 I have tested positive for COVID. I need my monthly funds for not only my bills and meds but the meds that are being prescribed to me by my doctor. PLEASE HELP. and having XXXX at USAA call my daughter to say i feel sorry for your mom but not you, tell your mom to wait until XX/XX/XXXX is literally a DEATH SENTENCE. ALSO, PLEASE NOTE THAT A LETTER WAS NOT SENT OUT TO MY DAUGHTER UNTIL AFTER HER INITIAL COMPLAINT WITH CFPB WAS FILED. USAA HAD NO INTENTIONS ON SENDING INFORMATION BY MAIL. AND THERE IS ONLY 2 LETTERS NOTIFIYING OF 2 PROVISIONAL CREDITS BEING WITHDRAWN NOTHING FROM THE PREVIOUS DISPUTES ONLY WITHDRAWLS. 

NOBODY SHOULD BE WITHOUT THEIR GOVERNMENT FUNDS DURING COVID AND THE HOLIDAYS. MY DAUGHTER LITERALLY BEGGED XXXX TO RELEASE MY FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
In 2017, I had a car loan with Regional Acceptance Corporation, I actually got a little behind in my payments and I was receiving collection calls from their in house collections team. One day I received a call from my brothers number I went to answer the call and it was actually a rep from Regional Acceptance, it threw me off as again it was my brothers number, she started talking, as that was happening I called my brother because i through maybe they called him and he three way me into the call, I spoke with him and confirmed this did not happen, i went on to ask the rep how she contacted me with a different number the call was disconnected shortly after. I called back and spoke with a rep advised what happened she immediately got me to a supervisor, that supervisor apologized and advised what the employee did was use an app to call me and they don't tolerate and she took all my info and transferred to the VP of the call center. I sent them my XXXX phone bill and my brothers confirming he did not make a call to me but it was his number that indeed called. I went on to speak with both Regional VP and President of call center who apologized and advised this would not happen any more. I wanted to submit a complaint at that time and did not know what resources were readily available to me. Fast forward to today the loan has been cancelled and I received a 1099-C from the company they have forwarded to me in writing that they are no longer collecting and have written the debt off. I was advised this would no longer show on my credit report, fast forward now they claim they will not remove from my report for 7-10 years. I sent a complaint through XXXX XXXX XXXX and they sent a response advising they will update but not remove. This is negatively affecting my report as I try to move on with my life. I am constantly having to explain this debt and it just sounds like I am lying to other lenders. I am asking that this debt be removed as a courtesy from my report as regional has cancelled the debt. When I called they said they report to the credit bureaus each month and even though i don't owe to them any more they do not care to remove it will fall off in 7-10 years automatically. I also have submitted several disputes and they won't confirm to the credit bureaus they cancelled the debt so it can be removed.

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 2020-11-30 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-30 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-30 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: Convergent Resources, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCI has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in a dispute to Equifax about Hard Inquiries on my credit report I have received a reply stating I had to call the creditor but they could not verify the inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
AmeriSave Mortgage Corporation NMLS ID # XXXX I began a mortgage refinance transaction with Amerisave XXXX XX/XX/2020. I provided all requested documentation and questions ( almost always within 24 hours ). By XXXX XXXX, I was frustrated with the pace of the process, complete lack of communication, and Amerisave 's inability to articulate the path to closing of the transaction. On XXXX XXXX I requested a closing date to be set by XXXX XXXX XXXX XXXX XXXX I requested the closing date. Again, on XXXX XXXX I requested the closing date or 'a concrete action plan to get us there '. On XXXX XXXX a request to digitally sign a closing disclosure was made and this was completed on XXXX XXXX XXXX XXXX XXXX @ XXXX EST, I requested a call to discuss the situation. On XXXX XXXX @ XXXX EST I requested a cancellation of the transaction, refund of the up-front payment of {$500.00}, and removal of my personal information from their systems. On XXXX XXXX I requested the refund again. On XXXX XXXX I received a response from XXXX XXXX acknowledging the cancellation and refund request and confirming he had 'processed ' it. As of XXXX XXXX, I have not received a refund and Amerisave representatives have ceased communication. 

I have email documentation of every stated date and action. 

My initial communications were were XXXX XXXX ( Loan Originator NMLS ID # XXXX ) and were entirely satisfactory. On or around XXXX XXXX, I was handed off to XXXX XXXX ( AmeriSave Mortgage Corporation NMLS ID # XXXX ) at which point communications repeatedly failed. XXXX XXXX ( Mortgage Sales Manager NMLS ID # XXXX ) was reported to me as XXXX XXXX XXXX manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Collection agency is attempting to collect a debt from me that I am not aware of and they have not provided me with relative information concerning why they thin I owe this debt. 
Therefore, I am disputing the referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. by providing me with the following : 1. The full amount and complete accounting of this debt 2. Proof you are licensed to collect debts in Michigan or under what authority you claim to collect this debt in the State of Michigan, 3. Proof of the last payment on this account 4. Why Calvary Portfolio believes I owe this alleged debt Because I am disputing this debt, until a proper investigation is completed and this debt is validated the information concerning this debt is assumed to be inaccurate.Calvary should not report it to the credit reporting agencies. If they have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should Calvary pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on yo
ur failure to comply with the FDCPA.

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.

Company response to consumer: Closed with explanation