vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
I sent my payment on XXXX via XXXX postal service to Provident Funding located in the city of XXXX XXXX, California. 

The payment is sent on the first of every month along with all my other bills. Provident Funding alleged they did not receive my payment prior to XXXX when they sent me a letter stating that. 
All my other bills were paid by then as all my other checks had been received by the corresponding companies and all my checks had cleared. I verified this information by logging into my bank account. the only check and bill outstanding was Provident Funding. 

I have never paid late, and I mean never. I do not have a single late payment with this company ( Provident Funding ) since 2007 or XXXX the record will reflect that as well. 

Once i received the letter, i contacted Provident immediately on XXXX and informed them of the payment. they advised me that the late fee will still apply in the amount of {$57.00} DUE TO LATE FEE. I requested to have it waive as it was not my fault the payment had not reached them as of XXXX. 

The representative was so rude and unprofessional, talked to me like if i was stupid or ignorant, raised his voice and denied me the opportunity to talk to a supervisor stating there was no need and payment had to be submitted and the late fee was not an option to waive as they do not have a late fee policy. if i did not pay the fee, they will added it to my balance and still pay it. the representatives name was XXXX and would not give me anymore information, he further stated it was not their fault that the US mail was late or lost my check and therefore i had to pay the late fee. he couldn't answer me when i asked him if it was my fault then. 

I was so angry about the treatment and late fee, I had my son assist me with paying the full payment via on-line thru their website the next day. it was paid in full via on line. 

On XXXX they sent me a letter and a copy of my check that I had sent on XXXX the letter states that my check had not been cashed/process because it had a stop pay. I never stopped the check and went to my bank and obtain proof that the check had never been stopped by me or anyone, The bank also notified me that my check had never been processed by any bank. My check is intact and has the date i wrote it on XXXX I want my fee waived and I sure that as lenders they are required to have a late fee policy as well as good cause for late fee waiver. 

Please assist me in getting this company to not charge me for the late fee and to stop trying to get people to pay this fee illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: MS

Complaint narrative:
I'm have credit reporting problems with Experian, there are accounts and addresses that they refuse to take of credit, I have supplied them with documentation of my Identity theft, I have submitted police reports in according with Sec. 605b of the FCRA I have asked them the block information. 
,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XXXX XXXX  suffered a major security breach that left millions of consumers at risk for identity theft. The information compromised in this breach included consumers names, addresses, phone numbers, social security numbers, date of birth, along with other personal information that is important to keep secure, however XXXX  did not do this for any of their consumers. As a result of my information being compromised, several accounts and unauthorized information has been placed on my credit file. 

I have contacted you several times in regards to this incorrect information being posted on my credit file, I have requested in three different letters that you provide me with proper validation ( 609 letter ) proving this information as legal and correct. Your company has refused to provide me with legal documentation proving this information to be true. Under the Fair Debt Collection Protection Act I am currently bringing this information forth to a judge here in XXXX XXXX Georgia, on Monday XX/XX/XXXX if this information is not removed from my credit file within 24 hours. 

Legally I should not and will not continue to suffer mentally while your company continues to report this false information to my credit file. I am distressed that you have continued to report this false information, while also not providing me with the proper paperwork ( 609 debt validation ) which I have requested several times from you.

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 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was looking at my credit report and noticed that XXXX XXXX sold an outstanding bill of {$470.00} to Credit Collection Service and it was really hurting my credit. I contacted Credit Collection Service and a customer representative identified herself as XXXX. I explained to her that I do not know why XXXX XXXX would submit this to them when I have to pay monthly and if I do not pay then they lapse my motor vehicle policy. Anyway, I decided to go ahead and negotiate to have it removed from my credit report and the customer representative told me they could not remove it from my credit but would accept {$280.00} as PAYMENT IN FULL and to have it reflected on my report as PAID IN FULL with a {$0.00} balance. I really wanted it removed but she insisted that it could not be removed but would reflect PAID IN FULL {$0.00} balance. I took a look on my credit report today XX/XX/XXXX and noticed that they deducted the {$280.00} from the outstanding bill of {$470.00} and renew the balance of {$190.00} as a new debt. This is grossly dishonest and I really would appreciate your assistance in this matter. They have further damaged my credit by not report the debt as PAID IN FULL {$0.00} balance as promised and instead posted a new debt with the balance of {$190.00}. The customer service representative provided the following information : CONFIRMATION OF PAYMENT : XXXX # XXXX - CUSTOMER REP : XXXX Any assistance provided would be greatly appreciated. I am hoping they recorded the conversation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.

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 2020-06-06 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: NC

Complaint narrative:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. The agency have failed to conduct a reasonable investigation and now I'm requesting from them all information they have affirm to have firsthand knowledge of this account reporting with 100 % accuracy.

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 2020-06-06 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: CA

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: NC

Complaint narrative:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. The agency have failed to conduct a reasonable investigation and now I'm requesting from them all information they have affirm to have firsthand knowledge of this account reporting with 100 % accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
Ive been a victim of 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 explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
Ive been a victim of 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 explanation
Consumer complaint received 2020-06-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
XXXX credit reporting, for 5 years I have disputed a collection on my credit report from the Landing apartments, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " Fair collection & out/ XXXX 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 2020-06-06 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: MS

Complaint narrative:
XXXX credit reporting, for 5 years I have disputed a collection on my credit report from XXXX  XXXX XXXX, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX. the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My bank pnc is not supported i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.

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 2020-06-06 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: CA

Complaint narrative:
Equifax is listing my XXXX Credit Card from XXXX XXXX as delinquent {$15.00}, which is incorrect - this is due to XXXX XXXX   error, they forgot to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: DISCOVER BANK
State: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is Discover Financial XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have an account with cash app ( Square Inc ) with {$400.00} remaining. I have been emailing customer support about this situation for a week with no response. I am unable to send money, cash out, access my funds, or talk to a representative to see what I need to do to fix the issue. My card was disabled by cash app without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX 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 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a payment to pay the entire balance of my credit card. 5 day later my account has not be credited by the payment has been taken out of my account. When I called to point this out, I was told there nothing they could do and just argued with me. I asked for my money back since I got nothing for my payment and was hung up on.

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 2020-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
This company reported multiple inaccurate late payments on the account I am making on-time payments on my account and I have a proof that all the payments are all submitted. Late payments you reported in XXXX and XXXX should be removed. I already disputed this account which clearly shows in the Dispute section of the credit report but you fail to correct and do the necessary investigation on this account. The payment I made on XX/XX/2020 shows as current, but the payment I made XXXX and XXXX are showing as late. I do not want to waste my time and money sending dispute letters to this company and they still continue neglecting their duties on reporting the account with 100 % accuracy. This needs to be removed from my credit report!

Company response to consumer: Closed with explanation