vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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:
i just went over my credit report and noticed errors on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XX/XX/2020 MIDLAND CREDIT MANAGEMEN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I spoke to Ability Recovery Services and asked to settle my account, I was told I could settle my account and I requested a letter with information in order to do this. They assured me they would send me a letter with information regarding my account. 
One week later I still had not received a letter, I called Ability Recovery Services again, I was then told they sent it to the " wrong address '' I gave them my address again and they assured me they would send me a letter. 
One week later I still had not received a letter. I called Ability Recovery Services a third time and this time was told that they could not send me a letter legally and would have to speak to their lawyers in order for me to get a letter? I was very confused by this as they had said they sent one.

I told them since I was working with a financial advisor I needed my debt settlement in writing before paying, they told me they could not provide that to me until AFTER I paid them not before. This seemed fishy to me ... as I have been paying off all my debts and every other debt collector had no issue sending me a letter.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX 3 transactions were made it started at a gas station then at a design store then XXXX a total of almost {$400.00}. They only refunded me the first transaction from the gas station but not the rest which I didnt dispute since they said my chip was used for the purchases when I clearly spoke to the rep when the transactions were being made. How can I argue with the bank its pointless at this point I feel hopeless and annoyed since today XX/XX/XXXX another transaction of {$8.00} was made having to go through it all over again. Canceling my card for the 2nd time less than a year its just annoying since they dont help me in clarifying why is my information keep getting hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX started contacting me during the national pandemic to collect a 16 year old debt from Bank of America.

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 2020-03-27 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:
i just went over my credit report and noticed errors on my file

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 2020-03-27 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:
i just went over my credit report and noticed errors on my file

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 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I contacted Veros Credit on XX/XX/2020, to have my due date changed from the XXXX of every month to the XXXX of every month. The person I spoke to on XX/XX/XXXX was able to change it and confirmed with me that my payments will be due every month on the XXXX, and my next payment will be due on XX/XX/XXXX. Considering the current pandemic, I am out of work from XX/XX/XXXX to XX/XX/XXXX. I tried to contact them numerous times before XX/XX/XXXX so my account is still in good standing, to receive some type of loan relief and extend XXXX ' payment to XX/XX/XXXX, but I was unable to speak to anyone. Today, XX/XX/XXXX I recieved a statement in the mail stating that my account is 22 days past due and now accrued a late fee. I contact Veros same day as I recieved my statement to get an understanding and fix any confusion as well as the late fees and due date change. Veros said they are unable to help to change my due date to the XXXX because XXXX is past due. They then offered to take a partial payment now and the remainder when I start working. I told them I am unable to pay anything right now due to me being out of work. The supervisor then said that he will defer XXXX ' payment to XX/XX/XXXX and I'm going to have to deal with the late fees later down the road. I am  unable to pay anything until The middle of XXXX after I start working again, but they failed to understand that and help my situation accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
The only way I learned of this debt collection was that it was reported on all three of my credit reports. I disputed this several times on XXXX XXXX and XXXX XXXX   removed it from my report. However, TXXXX and XXXX  are being difficult and not removing this after I replied that I have no knowledge of this account. I never received any information regarding this debt by phone or in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-03-27 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my  credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent in a dispute to have an account verified by Transunion almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.

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 2020-03-27 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: AZ

Complaint narrative:
I sent in a dispute to have an account verified by Equifax almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am Disputing CREDIT REVERSALS OF TEMPORARY CREDITS  XX/XX/XXXX NEVER APPLIED OR MADE PERMANET TO REVERSE THE CREDIT. ( YOU CAN NOT TAKE BACK WHAT USAA NEVER PROVIDED!!! ). See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Completed. USAA Policy is that Temporary Credits ** MUST BE MADE PERMANET** TO APPLY TO BALANCE. See attatched XX/XX/XXXX Credit Reversals XX/XX/XXXX. {$110.00} TEMP CREDIT. XX/XX/XXXX * {$110.00} REVERSED BEFORE APPLIED PERMANET SAME DAY ACTUALLY. XX/XX/XXXX * {$21.00} Reversed XX/XX/XXXX {$21.00} NEVER MADE PERMANET XX/XX/XXXX * {$200.00} TEMPORARY XX/XX/XXXX {$200.00} CREDIT NEVER APPLIED NEVER MADE PERMANET XX/XX/XXXX * {$280.00} TEMPORARY USAA CREDIT REVERSED XX/XX/XXXX NEVER APPLIED MADE PERMANET See  statement XX/XX/XXXX XXXX NO USAA CREDITS PROVIDED for XX/XX/XXXX FRAUD of * {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX I received a letter from Synchrony bank in XXXX FL saying my request to open a Paypal  account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact XXXX. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and XXXX  was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
Thank 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 non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Back in XXXX of XXXX, I reached out to XXXX XXXX because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at XXXX XXXX who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, Equifax reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out Equifax shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to XXXX and have them make changes to the account and that may help. I called XXXX and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and Equifax just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both XXXX and Equifax a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called XXXX once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the XXXX XXXX account removed altogether and my score returned to over XXXX for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
The company called several times, including twice to my office, leaving messages with various employees, including our sales staff. I spoke with the collection on XX/XX/2020 and told them at that time I was not permitted to take personal calls at my office, especially messages to random employees. Since their name has Collections right in it, its not difficult for them to figure out what the call is about. They have since contacted my office again, after warning that this is expressly not permitted in our policy.

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 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Due to the Coronavirus I was laid off work and will have no income for a least a month bc XXXX XXXX is shut down. I work in the XXXX XXXX industry and asked for a forbearance with 3 months added to the end of my loan. They said they could do 3 months but it would be do in full at the end of the months. This doesn't work as I'm not going to magically go back to work making double what I did before so this company Freedom Mortgage is NOT changing their forbearance structure at all to help people during the Coronavirus closures!!!

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 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am two months behind on my mortgage payments ( I am making the full payment every month but I am behind due to a work layoff ). Wells Fargo sent me a letter stating they are putting my mortgage into a loan modification plan that will extend my payments out another 38 years. I did not ask the bank to do a modification, I do not want a modification and did not agree to this in any way, shape, or form. I have tried calling them and sent them a message through their website but I can not get in touch with them.

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 2020-03-27 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: SC

Complaint narrative:
The accounts are not mine but it been more then 30days and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TN

Complaint narrative:
Enhanced Recovery Company has consistently reaged an account that is almost 10 years old. The original creditor is XXXX   XXXX XXXX. There is no account number listed. They reporting that this account opened on XX/XX/XXXX, when in fact this account went delinquent in XXXX. The last reported amount is {$500.00}. I have made attempts to remove this account by disputing this account with XXXX, XXXX, XXXX. Enhanced Recovery has consistently reported this account as open. Each time reporting a new and more recent open date. Please help me stop them from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 received a copy of my credit report and found the following item ( s ) to be  errors.

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