vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to Experian on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, Experian results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.

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 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I transferred XXXX from my checking account which holds by XXXX XXXX to my debit card which holds by Capital one.I called the customer service multiple times but they could not see any payment what XXXX XXXX sent to them.I saw a pending payment on my account briefly but the next day it was removed by The Capital one.After that I went to the local branch and showed them the proof of payment /a check /what was sent by the XXXX XXXX but they could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: MA

Complaint narrative:
Received a 90 day deferment for my auto lease from Volkswagen credit. For months XXXX, XXXX, XXXX Due to the Covid 19 and being furloughed. XXXX continues to report to the credit bureau that I'm deliquent. The say they will correct it but never do..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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: TX

Complaint narrative:
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: MS

Complaint narrative:
I have explained to Transunion that this account is a FRAUD account but they keep reporting it. I have sent everything requested. Please delete and block this fraud account for XXXX XXXX. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Re : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( Equifax, XXXX & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS

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 2020-05-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS

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 2020-05-14 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: U.S. BANCORP
State: TX

Complaint narrative:
US Bank is reporting a credit card installment on all of my credit reports but this card is not mine! 

I have never lived in a city with a US Bank account and have never had a US Bank Credit Card. 

I have reached out to US Bank to verify this debt on three different occasions, WITH CERTIFIED MAIL, and US Bank has not responded. I assume this is because they have my credit file mixed with another person, because this account does not belong to me. 

I have also disputed this with XXXX and US Bank 'verifies the account ' even after communicating with them that I have had email fraud, identity fraud, and mail fraud. 

This account MUST be removed or I will be retaining an attorney and suing for all economic damages from my $ XXXX loan high interest, high insurance premiums, and higher interest charges on my installment accounts. 

This account is NOT mine and I work hard for my credit score.

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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: GA

Complaint narrative:
The following company RA Rogers INC Collection Consultants has placed there name on my XXXX credit report in attempt to collect a debt that was accumulated as a result of identity theft. The original creditor XXXX XXXX XXXX XXXX was notified of this incident on XX/XX/2019 and have remove there name from all three credit reporting agencies XXXX, XXXX, and XXXX after receiving identity theft report back in 2019. I have included a copy of the identity theft report I sent to XXXX XXXX XXXX XXXX with this complaint. RA Rogers INC Collection Consultants had no right to place there company name on my credit report. I DO NOT OWE THEM ANY FINANCIAL OBLIGATIONS nor do I owe the original creditor XXXX XXXX XXXX XXXX whom they are trying to collect. Failure to remove there name from my credit reports upon receiving this complaint will result in small claims legal action against RA Rogers Inc Collection Consultants. I will be seeking a minimum of {$5.00}, 000 in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National Credit Adjusters recently attached a copy of some service agreement that does not even bear my wet signature. It has my name TYPED in. Nowhere on there is a place where I signed. This is actually getting pretty ridiculous. This agreement not validation that I owe anything. They to eradicate this erroneous debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts reporting inaccuarate, and it is false

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 2020-05-14 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: NJ

Complaint narrative:
added a loan that was previously removed you can not do that without Notify me first law does not allow such act 5 days prior remove the ftc violation you committed Both XXXX loans

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage loan was sold to Loan Care, LLC effective XX/XX/2020. I tried to make a payment on XX/XX/XXXX but was told it would take until XX/XX/XXXX for everything to be finalized and verified but starting XX/XX/XXXX I could set up payments. I was also told that legally after a loan servicing transfer, the consumer has up to 60 days to get the payments set up without fees or penalties. I received an email on XX/XX/XXXX stating the loan was transferred and verified and I could set up payments. On XX/XX/XXXX, I set up a payment through a third party payment service and the mortgage payment was to process on XX/XX/XXXX and reach Loan Care on XX/XX/XXXX, that is LESS than one week from when the loan was finalized by Loan Care. On Monday, XX/XX/XXXX, I received a voice message from Loan Care to call them. I called and they were asking for a payment. I told them it was only four days since they finalized the loan and two of those days were weekend days. The rep said the call was an auto call and I should disregard it and she would take the info off my account. Two days later, XX/XX/XXXX, I got another voice message to call Loan Care and I called them back and yes, they are calling about a payment! This is harassment! Two days a part and I had already been told it would be taken off the file, as well as being told I had 60 days to set up a payment! The rep on Wednesday, XX/XX/XXXX, told me to disregard the call ; the payment had been received! Calling two days a part for a payment is harassment and it is magnified by the fact that Loan Care didnt have the loan finalized until XX/XX/XXXX AND we are in the middle of a pandemic! If this is how Loan Care does business they need to be shut down. They should not be servicing loans AND be a debt collection agency. That definitely blurs the lines for them and in my opinion creates a conflict of interest. They service a loan but do business like the debt collection agency with the mortgages they service. On a side note, I did not pick Loan Care for my mortgage. My mortgage was sold to them by XXXX XXXX. They also need to follow the law. Sixty days to set up payments without fees or penalties according to the law, not four days!

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 2020-05-14 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:
There are accounts reporting inaccuarate, and it is false

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Creditor Acct. # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX XXXX  & TransUnion ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX Experian & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to  intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.

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 2020-05-14 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: NY

Complaint narrative:
After reviewing my current credit report with Equifax. As of today XX/XX/2020. I notice that an account under the name : ( XXXX XXXX XXXX XXXX ) has been reinsurted on to my consumer credit report without written notice 5 business prior per Fcra rules section 1681. As a result, Equifax is in violation of FCRA rules. 


Account : XXXX XXXX XXXX XXXX is also in violation of the FDCPA section 809b. 

This account was originally submitted under the name : XXXX XXXX XXXX  XXXX. But now has been reinserted ; with a totally different original creditor ; XXXX XXXX  reporting the same outstanding balance and XXXX XXXX XXXX. 

Please ; This was intentionally done to damage my consumer Credit profile. This account is not only fraudulent, but misleading, inaccurate, and inconsistent. A clear violation if FCRA rules and the FDCPA. 



This account was reinstated back in XX/XX/2020 and was deleted for violating FCRA rules and now has been reinstated again. 

Please see attachment ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I tried to do a simple refinance with of my existing VA loan with the same lender ( Freedom Mortgage ). I applied online and was shown a lower interest rate and told that documents would be mailed to me in 48 hours for me to sign to lock in that rate. I even called and spoke to a broker from the company and was promised it would be no problem. Well, I never received any paperwork from the company. I called and left 5 different messages with the broker over a 3-week period with  no follow-up whatsoever. I've tried calling, but it is impossible to get through the prompts to speak to anyone. After following the prompts they hang up on you. Funny thing, this company never seems to have a shortage of people to call me and solicit for reverse mortgages and other things that I don't want. I've repeatedly asked to be on their " do not call '' list to no avail. Beyond frustrated that a company can take advantage of someone on a VA loan like 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
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
The account on my credit report is not authorized or verified

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inaccurate and false information reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inaccurate and false information reporting on 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 explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank
State: CA

Complaint narrative:
XX/XX/2020, XX/XX/2020, XX/XX/2020 I wrote company in XX/XX/2020 about my financial Hardship -supplied my companies layoff letter for proof, the company insisted in making late payment marks instead of lowering anything, I recently requested a Amendment, I've paid over 85 percent on time with company. This would have never happen, however people are getting laid off globally - Company refused my amendment. I've made my payments, compromised during the corona-virus pandemic and layoff times. Please correct these Report Marks at least. - The account is paid in full at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are inaccurate and false information reporting on 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 explanation