vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 2 bank letters stating that 2 inquiries would be removed by Experian but Experian ignored 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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orion Portfolio Services, LLC
State: TX

Complaint narrative:
I received an attempt to receive and un-validated and un-verified debt from Orion Portfolio Services. 

Please review my attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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:
My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX XXXX  which I have severely suffered through I've earned a late remark.XXXX  at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. This a second request to have them removed. I am not a credit repair company nor a mortgage company. 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 explanation
Consumer complaint received 2020-11-12 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: NC

Complaint narrative:
I am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 


XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: NY

Complaint narrative:
My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX  XXXX which I have severely suffered through I've earned a late remark.XXXX at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with 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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I have made multiple attempts to settle this debt with XXXX XXXX. The amount of the debt is incorrect and without any response this debt was acquired by the collection company named Credit Management Company in the incorrect amount of {$280.00} opened XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to ensure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

I opened a dispute with Experian, and my e-OSCOR codes ( or reasons for dispute keep getting changed or modified ) Experian reported back a change to Report Number : XXXX ( XXXX XXXX ) the report shows two ( 30 days ) late payment in XXXX and XX/XX/XXXX. 
There are only 28 days or 29 days in XXXX. When requested the pay dates according to XXXX Experian reported payments were made on XX/XX/XXXX, and XX/XX/XXXX, XXXX that is exactly 28 days which is less than 30 days. 

Pointing out the error, Experian 's employee stated if it is one day or 30 days late the company can put the incorrect information on my report. After i corrected the employee, I was immediately hung up on. Today XX/XX/XXXX phone calls was disconnected three times when speaking to Experian.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a credit card from XXXX XXXX XXXX XXXX last week but it showed application failed to submit. In this week I found that there is a hard inquiry made by this company. I tried to contact this bank but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I filed a complaint with TD Bank about Gas merchants charging my card differential amounts of {$100.00} that I did not spend at merchants. I use my card at the pump when I pay for gas and choose credit. Normally they do not hold fees when I use my debit card as a credit at the pump. The transaction shows as {$1.00} and a few days later the actual amount is taken out. I called TD and reported the post-paid {$100.00} charges as inaccurate. My car doesn't take {$100.00} to fill up, it takes about $ XXXX to fill. I received a letter today in the mail that based on their investigation, I have to dispute it with the merchant myself. And the provisional credit that was applied to my account up to {$200.00} will be reversed. This is extremely upsetting and this is not the first time this bank has claimed that no error has occurred during a transaction that I didn't agree to or paid on. I had an overcharged on a restaurant and they disputed that I will have to deal with the merchant myself. They are not doing their investigations correctly. I do not have a receipt to challenge the charges myself, nor do I have my old debit card number to do so as well. TD has been trying my patience all year and it's time for the government to look into this. For every claim, I filed they send a correspondence that I have to do the investigation on my own and they are reversing the credit. I pay enough fees on my account to not get the full respect I deserve. 

I have the transaction pictures attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NJ

Complaint narrative:
In prior responses to the Consumer Financial Protection Bureau, XXXX at the business has claimed that the proof of the alleged debt was mailed to me. The individual has my email address based on an email sent to XXXX on XX/XX/2020. Therefore, you can email the billing for the {$75.00} alleged debt that was paid in full. Be advised, that on XX/XX/2020, I received an unsealed plain white envelope with a one page statement claiming a {$75.00} balance. Furthermore, the only receipt of payment received was an emailed receipt dated XX/XX/2020. 

I will await your email with the proof of the alleged debt that was paid in full prior to being provided with written proof the alleged debt.

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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
Trying to collect a debt that is not mine. I have never opened service with XXXX and address that is on file. I have have had a fraud alert on my account for over 5 years. Also I have no business with the agency trying to collect debt.

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 2020-11-12 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:
These are not my accounts. Please remove them immediately. I am not a credit repair company nor am I a mortgage company.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. My social security number is XXXX. I recently learned that my personal information was used to open an credit karma account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that credit karma me of all charges on the account, and that credit karma take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Due to unemployment ( due to Covid19 ), I request payment assistance several times on my Macy charge. Rather than provide deferred payment assistance, Macy 's checked my XXXX credit and decreased my credit limit on XX/XX/XXXX while my account was in a payment deferred status. I requested payment assistance again in XXXX, but it was denied without any option available to assist with payment. Please note that I've never been late on any credit cards including the Macy 's card until Covid19 led to the closing of my company. I've attached a letter that I received from Macy 's after requesting payment assistance and the email reply from Macy 's denying payment assistance in 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 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR RESOURCES INC Original creditor : XXXX XXXX {$2400.00} This was removed from XXXX XXXX but not from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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:
These are not my accounts. Please remove them immediately. I am not a credit repair company nor am I a mortgage company.

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 2020-11-12 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:
These are not my accounts. Please remove them immediately. I am not a credit repair company nor am I a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of this year, I disputed with my credit card company Capital One two charges for two trips ( for me and my partner ) a group trip to XXXX XXXX with the company Flash Pack that was cancelled two days in. I submitted all paperwork requested and after months, the credit card company denied because XXXX XXXX provided a voucher ( which I argued at that time they would not be able to fulfill ). On XX/XX/2020, XXXX XXXX notified me that they are insolvent ( bankrupt ) and all future trips are cancelled and the voucher is not valid. Capitol One refuses to do another chargeback, open a new dispute, reopen the prior dispute or help in any other way. The total for both trips is {$6100.00}. I have no other recourse for a refund except through Capital One -- trip insurance has denied and XXXX XXXX is bankrupt and can not give me a refund. I am certain Capital One could do a second chargeback using a different code. Not only were they unhelpful, they also were rude and not empathic to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I Called XXXX, and XXXX to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

XXXX XXXX XXXX Credit Cards XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX/XXXX XXXX Complete Department Stores XX/XX/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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was a victim of identity theft as a result an account was placed in collections for a company called XXXX XXXX XXXX XXXX. I filed a police report years back when I learned of the account. However a company by the name of XXXX XXXX XXXX appears on my credit in this regard.I have sent several letters to the company and they have gone unanswered and the fraudulent data still remains on my credit.I have sent letters to the location in XXXX, Arizona. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database.They never contacted me before placing the debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WY

Complaint narrative:
At the middle to end of summer, I began receiving calls from a company identified as Midland Credit Management on my phone 's caller id. I ignored the calls because I do not have any outstanding debt. On XX/XX/2020, I wrote a letter to the company, requesting all communication to be written and for debt validation. I received a response from the company, stating they could not validate any debt against me and requested more info. I responded on XX/XX/2020, sent the letter certified and received return receipt proof on XX/XX/2020. As of XX/XX/2020, the calls have started up again. I received multiple calls on XX/XX/XXXX and XXXX. I DO NOT have a debt that this company is attempting to collect. I believe now they are being vindictive and childish. This is a formal complaint against Midland Credit Management for false debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX XXXX reported me as late on a payment I believe I XXXX they assured me that it was a mistake as I was promised that during the refi process, all late fees will be waived and no late fees would apply. 
As you can see there was one reported late They assured me that it would be removed and it had yet to be Credit Bureau needs to contact them directly for further 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 2020-11-12 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: Synovus Bank
State: IL

Complaint narrative:
I have an old credit card account with First Progress from XXXX. In XXXX filed ChapterXXXX bankruptcy. First Progress was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. First Progress never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.

Company response to consumer: Closed with explanation