vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: NC

Complaint narrative:
I have been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NC

Complaint narrative:
I have been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
I have been trying to work with my lender for several months now and every week they continue to ask me the same questions over and over again. Today, my counselor XXXX XXXX who is helping us through this difficult time spoke to a supposed supervisor by the name of XXXX who just wasted more time. XXXX was advised that for weeks now we have advised SPS that I ( XXXX ) started working on XX/XX/2021 and my wife never stopped working. On their XXXX there was two sections where you advise what is the start date of employment. I don't understand how inept their underwriters are in getting my review completed. I am losing my home because these people don't care and are poorly handling my request for help! For over 30 days now we keep going back and forth on my income, this is ridiculous of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: FL

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: WI

Complaint narrative:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 62 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNTXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My XXXX XXXX XXXX debt was sold to " IC SYSTEM INC ''. Did not receive written notice of the amount that was owed. I found out when by an XXXX report email that my account was flagged. I disputed because of the Natural Disaster in Texas, the Ice Storm. I had some repairs on my home and tried to seek Fema assistant. The Dispute was open on XXXX the XXXX and close on XXXX. I call XXXX  and the representative stated they my comments was deleted by the collection Agency. I open another disputed the amount verified by the company. Just open this on today. The collection has flagged my credit five times in less than a month. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2021-05-12 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I acquired a mortgage in XX/XX/2021 which was immediately sold to Amerihome Mortgage company. I sent a payment for the first payment on XX/XX/XXXX through XXXX XXXX online banking. XXXX XXXX shows the electronic transfer and has submitted proof of payment to Amerihome. Amerihome still will not credit my account with the three payments made to date as of XX/XX/2021, Instead they show only XXXX of the three payments. I am sure we can get this worked out if we can ever get Amerihome on the phone .... but the customer service with this company is the absolute worst I have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CA

Complaint narrative:
There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: NY

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2021-05-12 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNTXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the XXXX  data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed 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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the XXXX XXXX XXXX  and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date XXXX XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I received a debt collection notice from Phoenix Financial Services for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my XXXX XXXX  and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my XXXX XXXX / personal XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: UT

Complaint narrative:
For several weeks Simple Bank sent notifications from BBVA Compass saying that they would end the Simple Bank service but for the time being we would keep our account numbers and continue to use BBVA Compass service to manage our accounts. On XX/XX/2021 they shut down Simple online access but I was not able to create or log into an account through BBVA. I tried the following : - if I try to log in : credentials not valid, account locked - if I try to recover my username : information is not valid - if I try to recover my password : my information does not match the records - if I try create an online account : every username that I pick is not available I managed to use the automated phone system to check the balance of my checking account but I was not able to check the balance of my savings account. The phone system said my savings account could not be identified. 

I tried calling BBVA customer service but gave up after being on hold for a long time and after seeing tweets from BBVA that they were having issues with their call center causing them to drop calls. 

All I want to do is log into my online account through BBVA so I can verify the status of my checking and savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans union is reporting inaccurate and outdated information regarding student loans. The XXXX XXXX XXXX accounts were paid on time and in full more than 10 years ago.

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 2021-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called Macys Executive Office-on XX/XX/XXXX about a Macys.com purchase. I was told called would be returned same day. Its XX/XX/XXXX XXXX XXXX. no one has reached out. I drove 30-40 miles to a Macys to make returns. Only to learn the value was {$0.00} incorrectly enter by. Customer service but had charged me for the item.Rather than wait for a return label be sent I tried to exchange wouldnt do. I had gone to the store because I was told this item was sold at local Macys that was not true. I returned shoes and didnt receive full credit my paper {$10.00} card for rewards I used was not given but its showing on my return receipt but I dont have. They need to see if it has been used. If so it wasnt by me. 
The item I want to exchange I am asking for the sale price. When I originally tried to exchange the item was on sale but is no longer. I tried to get help from Macys executives office without taking this step. Sorry Order # 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 non-monetary relief
Consumer complaint received 2021-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I mailed Equifax all required documents regarding fraudulent hard inquiry on XX/XX/21. They said they received them on XX/XX/21. However they did not scan in all documents I sent and said the file was incomplete. I then filed a complaint with the XXXX on XX/XX/21 and faxed them a copy of the report along with my drivers license. Today I called and they told me they did not receive the fax. I have a fax transmission receipt showing it was delivered and received. They asked me to resend the documents through fax, however this will delay the fraudulent inquiries from being removed. I demand these fraudulent items be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: VA

Complaint narrative:
I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the Equifax data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my report.

Company response to consumer: Closed with explanation