vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX tells me capital one is the one updated my account to a derogatory account then capital one tells me they sent the up update to the credit bureaus. My account is not suppose to have any derogatory on it due to fraud. This in reference to my Walmart/capital one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST XXXX   DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO CITIBANK. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT CITIBANK ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT CITIBANK HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.

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 2020-07-24 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX I did not approve this I wrote a letter over 45 days no response

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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
there is a class action law suite against wells fargo for wrongful loan modification and when I call the one overseeing this, he told me that if I do not have a notice I do not qualify. but I do. and I am requesting wells fargo to issue the card I need to file my class action before the dead line

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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have been trying to link my pnc bank account to a few apps and it's not allowing it. This is a problem with pnc bank that needs resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( TU, XXXX, XXXX ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael R Naughton
State: IL

Complaint narrative:
We went to court before the COVID-19 started. I was recovering from XXXX  and XXXX XXXX from XX/XX/XXXX & XX/XX/XXXX. The original Creditor is XXXX   XXXX  in which XXXX XXXX had shared my XXXX  Procedure ( XXXX XXXX XXXX ) Without my permission. I have never signed any ( XXXX ) form to release any of my medical or dental records to ( XXXX XXXX XXXX ) or anyone. I have been back and fouth with ( XXXX XXXX XXXX about not owning this amount of money to ( XXXX XXXX ) XXXX XXXX XXXX Mentioned to the Judge he had made a mistake about the amount that is owed, he stated His Client ( XXXX XXXX ) said it was {$1100.00}. XXXX dollars before the courts had closed down for COVID-19 I told the Judge that {$1100.00}. The Judge told him to send me that correction and he never did, of the {$1100.00}. XXXX dollars, which was also, incorrect. ( XXXX ) the Receptionist who was working there at the time told me after I had paid my insurance covered it after two months later they claimed I owed more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called Experian for several months asking them to look into my credit score and why it is consistently 100 points or more lower than XXXX  & XXXX. Every person gives you a different answer and has no idea what they are talking about. 

Each of them do have one thing in common though - You need to open another credit card because your file is " thin ''. I already have 3 credit cards and DON'T want or need a 4th one. I have plenty of credit. They also weekly send me message to open credit cards which I am sure they make money off of. Therefore forcing someone to open cards that I am pretty sure they make money off of. 

Today I had one " customer service '' agent ( XXXX - badge XXXX ) who when I asked to speak to you her supervisor told me that their managers do not speak to people. I called back again and got her : - ( and she hung up on me when I asked to speak to her manager. I called a 3rd time and XXXX ( ext XXXX, would not give his badge number ) also said his manager would not speak to anyone.

All I want to do is speak to a senior leader that actually knows what is going on to fix more score and bring me inline with the other agencies. My score being over 100 points lower than the other agencies is hurting my ability to get good loans for purchases of a new car and home. 

PLEASE HELP 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 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
SYNCB/CAR CARE SYN CAR has been reporting an unpaid credit balance on my credit report. After several attempts to dispute this account, according to XXXX  and XXXX this credit account was verified as a joint account between XXXX XXXX as the primary owner and myself XXXX XXXX XXXX. I have made several phone calls to Synchrony Bank and spoke with several agents in their recovery department on XX/XX/2020 and XX/XX/2020 to verify this information. The agents were unable to locate this credit account under my name, DOB, and SSN. The agents said that I needed to provide a full account number or the primary owners SSN. I explained to the representative that I do not have that information and that I tried to reach out to XXXX XXXX and received no response. I explained that this information has been reported on my credit and has hurt my credit score significantly. I also asked how is this information being reported on my credit report if SYNCHRONY BANK is unable to locate any account information under my SSN or NAME. This creditor has failed to provide me with any information that I am related to this debt. I am asking that the CFPB investigate this matter. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX  or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
I have been receiving several calls and letters in the mail from a company called 1st Heritage Credit. They stated that they sent a live check in the mail and that I have cashed it or gotten a loan from them. However, I have NOT received any sort check in the mail neither have ever cashed one. I do know that all mail that looks like junk mail to me I just throw away. I never opened any mail I received from this company until one day when I got a nasty phone call from 1st Heritage Credit. I told them that I have not received a check from them, I have not cashed a check from them, I have never taken a loan out from them, have never did business with them and furthermore don't need too. However, they kept calling and continued sending me nasty letters in the mail and they are still doing so to this present day. I called the none emergency police agency twice and talked to an officer and had them look up the company. The police told me it sounded like a scam and the other person at the police office who looked up the company told me that 1st Heritage Credit has a scam alert. This company is still sending me these bogus letter, nasty letters at that about a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CA

Complaint narrative:
I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.

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 2020-07-24 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, XXXX, Equifax ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX  - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & Equifax ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, Experian, XXXX  ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( XXXX  ) ; XX/XX/2016 ( Experian & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I contacted Shellpoint Mortgage Servicing to request forbearance of my loan in light of the pandemic, unlivable condition of my home as a result of mold from Hurricane Harvey, a lack of running water and working sewage there, and other extenuating factors. Shellpoint refused to allow forbearance or negotiate with me in any way. As a result, the home remains unlivable and they have reported so adversely on my credit that it has suffered considerably. My ability to borrow or obtain new financing has been hurt considerably and I have decreased lending power on account that they will not make a payment arrangement with me and they will not allow forbearance but continue to report very adversely on my credit to the three bureaus. They bankrupted us and then sued to foreclose anyway in XXXX and refused to negotiate under any condition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/2020, I disputed this item with the Credit Reporting Agency that I owe {$360.00}. I have not resided in XXXX  for over two years. I currently reside in XXXX  and received a notification that my credit record had a collection beginning in XX/XX/2020. I never received any communication from this MEDICAL BUSINESS BUREA nor from XXXX about a medical bill. I have medical insurance and was only required to pay a copayment. I have a copy of all my medical records and there is no record of this debt being owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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