vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to start off by saying that I am writing on behalf of myself. I am really concerned about how the credit bureaus have been ignoring my disputes. I do not know what is going on. I've disputed inaccurate information on my credit report three times already, and they have ignored my disputes every single times. Inaccurate information should not be on my report. This is against the law! 

This is really concerning to me also because I am a victim of the Equifax data breach and I know my information has gotten into the hands of the wrong people. 

I sent in my first dispute to the credit bureaus on XX/XX/2020, and nothing was done about my disputes. I sent my second dispute on my other accounts, and I was ignored again. I sent in a third dispute on XX/XX/2020, and I still haven't heard or received any results on their investigation. I feel like I'm being taken advantage of. It's been over 3 months! This is unacceptable. Please delete all of these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-29 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: Nelnet, Inc.
State: TX

Complaint narrative:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX  reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XX/XX/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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
Debt recovery solutions / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
Continental XXXX  deducted my payment of {$620.00} twice from my bank account on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Continental XXXX  to find out what occurred regarding my account. I spoke to XXXX. He did see their error and advised me that I needed to have a three way call with him and XXXX  XXXX XXXX so he could verify that these two payments were deducted from my bank account. The XXXX  XXXX XXXX representative gave him all the information he required over the phone. He stated that my account will be in order by XX/XX/XXXX. 
On XX/XX/XXXX, the account was still not updated. I contacted my bank institution, XXXX  XXXX XXXX to dispute the 2nd payment deducted from my account. 
Claim ID : XXXX. On XX/XX/XXXX, XXXX  XXXX XXXX advised that the dispute was resolved. 
On XX/XX/XXXX, I tried to use my credit card and it was declined. On XX/XX/XXXX, I contacted Continental XXXX, spoke to Customer Service Manager, XXXX who advised me that she updated account to ensure my entire available credit of {$750.00} would be available by XX/XX/XXXX. 
On XX/XX/XXXX, I checked my credit card account online and this issue still was not resolved by Continental XXXX. Called spoke to Customer Service Rep, XXXX who spoke to the Customer Service Manager, XXXX who also advised that she updated my account and that my account would be updated in 30 minutes from that call. Later that day, I checked my account once again, and still the account was not correct. I called back at XXXX XXXX EST and was transferred to Customer Service Manager, XXXX who advised that I needed to fax copies of my bank statement showing the two deductions. She gave me fax number XXXX and XXXX. I did fax the statement to both numbers as she instructed. It did successfully transmit to the first fax number ending XXXX. 
On XX/XX/XXXX, I once again tried to use my credit card and it was declined again. 
On XX/XX/XXXX, I called again and was unable to speak to a representative. I re-faxed my bank statement which also transmitted successfully. 
At this point, I do not know what else I can do to have this company correct this situation for me. I need for Consumer Financial Protection Bureau to intervene on my behalf to assist with correcting this problem. 
Thank you in advance for your prompt attention in this matter.

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 2021-01-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I don't know what is wrong with Macy 's credit card company. Are you deliberately not reading what I wrote? I just said in my last complaint that I tried to pay on time but you phone agents hung up on me after waiting on hold for an hour. I tried to pay at the store and I thought that I had paid but you NEVER sent me any notifications that I was late on payments. I didn't find out that I was late on payments until I started getting credit report alerts about these 90 day delinquent charges. Had you stupid agent not been lazy and did her job instead of hanging up on me I would have paid it right then and there. It was YOUR fault that I did not pay on time not mine. I have MANY other credit lines and NOT one has had a delinquent charge in more than a decade. Look I have a Macy 's executive 's email address and phone extension. I am not the only one tired of Macy 's XXXX. You seem to be screwing over other people as well. If you do not fix my credit report I will be posting a review with all her contact information so other upset Macy 's credit card holders can have a chat with her. FIX MY CREDIT NOW!

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 2021-01-29 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: NJ

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-29 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: NJ

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Transunion reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/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 2021-01-29 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:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Equifax reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TX

Complaint narrative:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on Experian reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UHG, LLC
State: FL

Complaint narrative:
United Holding Group purchased this debt from XXXX XXXX a while back. Since then, they have handed it off to multiple 3rd party collection agencies trying to collect this debt. I previously notified a prior agency and the original creditor I do not wish to be contacted and more importantly, they are not to contact employers, family members or any other party regarding this debt. Despite multiple verbal and written requests to stop, they continue to violate my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I requested to have a 30 day credit remark removed from my credit report due to a banking error as well as several error 's on the company 's behalf from XXXX 2020. I made the payment within the 30 day window but it was processed outside of the 3 day timeframe the company mentioned. The payment was rejected and I was notified by my bank. I attempted to correct the payment within the 30 day period on the XXXX day but the automated system was not accepting payments. Not to mention we are in the mist of a pandemic where there is a stay in place order and making a payment by any means is not easy. I made another attempt on the XXXX day which was not credited until the XXXX day. Causing the account to be 31 days past due and a negative remark on my credit. This remark is not fair to the consumer as it drops your score significantly for at least a 2 year period up to 7 years. This is not the case for business reporting. It impacts the consumer through higher interest rate on anything purchased and unfavorable loan conditions which really financially hurt the consumer over a long period of time. I understand the company has to report accuracies under the FCRA guidelines. However, to not have any other options when there is an issue and to have this great of impact is not equal and a violation of rights. This needs to be addressed overall because this really puts additional financial burden on consumers during a time of uncertainty when it was really a not the consumer 's fault solely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This account was previously deleted and has been reinserted on my XXXX credit report without notifying me. 
Midland credit management XXXX XXXX {$2600.00}. 

This item was originally deleted from my credit in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
This is my third complaint I am submitting on this site dealing with Freedom Mortgage. This site gives the mortgage company access to close the complaint without any follow up to the consumer. I am at the final stage of my refinancing for the third time and have not received a response as to the reason my previous closing did not occur. I asked for reimbursement of the money lost due to a four month delay of my refinancing and for the vacation day I took for the second closing which was canceled an hour before the scheduled time. I never received a call from the Customer Advocate to reschedule my refinancing. I had to call the Closing Department myself to schedule. I have not received an email confirmation as I have in the past. My closing is scheduled for Monday, XXXX, two business days away, keeping my fingers crossed. It has been recommended I contact XXXX XXXX Investigate for my issue to hold Freedom Mortgage accountable to all of us consumers! During this 2020 COVID year, Freedom needs to be more responsive to their clients and should work with us to save us money!! They should be ashamed of the lack of service and the loss of funds they are causing us. FHA needs to be made aware. I hope I get a response from XXXX XXXX Investigate and get help for all of us mortgagees!

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 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I am a XXXX XXXX who was seriously impacted by COVID 19. I was denied PPP loan because my credit has been impacted due to recent delinquency because I did have any income. Im not eligible for unemployment either. 
Other credit card companies worked with me except Honda Financial Services. I have never been late for the past three years on this loan, save for this pandemic period. 
Honda financial came to my office to repossess my car without any prior notice no letter, email nor phone call. 
I am so confused now and have no means of transportation. Please help ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation