vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : ALLY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which XXXX XXXX XXXX XXXX authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I would like to contact wells Fargo with this case and ask them to collect the money from them cause have been sending my money to scammers and not making a good payment back.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a deposit of {$2400.00} was made. On XX/XX/XXXX and XX/XX/XXXX two deposits for XXXX each were made. As of this morning my account was positive {$61.00}. This evening upon checking again, it was put into the negative {$120.00}. After contacting the bank, I was told that there was nothing that could be done. They have taken fees that were covered by several deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX 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 2020-06-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX 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 2020-06-17 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: IL

Complaint narrative:
I have recently reviewed my credit account to find that there are a few account that a on my credit report but does not belong to me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, IL XXXX. I have lived at this address more than 18 years but there are two other addresses listed for places I am not familiar with. I am sending this information to you because Experian does nothing when I contact them and provide the information that this stuff does not belong to me. I have sent all identifying information proving that I, XXXX XXXX is not the person that opened these accounts. I told them the accounts were not mine and the addresses were places that I never lived. Please remove US DEPT of Education, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. I never completed an application or gave anyone my permission to open these accounts. I have never received anything from these places and I have never been to college. Please take this stuff off my credit because I did not open these accounts. If I had open them and bought things there would bee no issue but bad things are being reported on me that I never got. I am not a third party or did I hire someone to sent you this information it's me 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 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I had just receive this bill in the mail today. I've no ideal about this bill ... Original Creditor XXXX XXXX The owner of the account Pinnacle Credit Services , LLC Reference ID XXXX Amount {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Transunion, XXXX, and XXXX, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.

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 2020-06-17 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:
I filed a dispute with Experian about XXXX XXXX XXXX and their turning my account over to collections while I was in forbearance. I requested forbearance and was given forbearance. I requested forbearance be stopped and wanted to pay whatever I owed. I contacted XXXX XXXX XXXX and requested them to take the payment from my checking account as was done normally ( for XX/XX/XXXX ) and I received notification from Experian that my account had gone to collections on XXXX XX/XX/XXXX. I called XXXX XXXX XXXX to find out why this was done and no reason was given. I have a VA loan and I should have been given the option to pay the forebearance amount as I asked them to take the amount out of my checking. The CARES act gives me rights to ask for forbearance and reschedule the payments and this was not done. I asked to stop forbearance and asked to make the payment and nothing was done and no attempt to contact me was made before turning to a collections agency. Both XXXX XXXX and Experian are wrong. I have some rights.

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 2020-06-17 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: WI

Complaint narrative:
I purchased a XXXX XXXX XXXX on XXXX XX/XX/XXXX. The XXXX item number is XXXX. My username is XXXX  and the seller 's username is XXXX. The amount charged to my card is {$1000.00} through XXXX on the seller 's behalf. 

Upon winning the XXXX auction I paid using my Capital One credit card with an account number ending in XXXX. The seller quickly informed me they were not going to sell me the vehicle for that amount and said they were issuing a refund. I never received the refund so I filed a dispute with Capital One. I contacted the seller again and they claimed XXXX would not allow them to issue the refund after numerous attempts, all the time claiming technical issues. 

XXXX responded to the dispute claiming I had purchased a subscription, not an item that was already used. Completely false. Unfortunately it is Capital One 's policy to automatically rebill customers if XXXX responds. I responded to Capital One by challenging XXXX 's claim it was a subscription by submitting documentation including the auction page showing it's a motor vehicle, the seller 's messages supporting their intent to refund the purchase. Clearly no item was received, there is no documentation of any item being received and the seller clearly wanting to refund the money. 

My account has now been rebilled and Capital one has done nothing to issue the refund. Instead of using common sense and reading what happened and issuing the refund they have denied issuing me credit for the purchase. It's my belief they can not recover the funds from XXXX nor the seller and are attempting to stick me for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
Called is calling from random XXXX numbers. I f dat I not know who this is or what they want. Looked up phone number online which is how I found out that theyre a debt collector. No voicemails are ever left. I block one number and they call from many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Paid the debts through XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/24 ( see attached evidence ) HSBC Recovery Department admitted the debts was cleared ( XXXX - XXXX ) bank didn't updated the balance, never provide a statement to show the debts was cleared. which seriously impacted my house purchasing loan approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
For two months now with no new negative information Experian has downgraded my credit rating. 
From XXXX to XXXX. 
Over the same period XXXX  and XXXX have upgraded me to XXXX. 
The only difference in my report is that I have paid off all debt except house. 
They have tried to get me to give them access to my bank account to have their experian boost bump my score but it doesnt seem to work for my bank. 
If they are downgrading me because experian boost doesnt work they dont get to do that. 
Why is XXXX downgrading me with nothing but good things happening? 
Why dont they have to explain to me their logic or lack thereof.

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 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a TransUnion representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an XXXX employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is  right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am trying to secure a loan for a house for XXXX. I have already been approved for {$63000.00} for a mobile home. Why is it so difficult to get a loan with a bank for almost half the amount? ( Issue # 1 ) I was told that I had an outstanding amount owing of around {$3000.00}. I was contacted by the consumer to settle the amount for {$490.00}. The consumer tole me that the amount would post to my account and consider it paid in full. ( Issue # 2 ) If they can take your money, why cant they press a few buttons and show that account paid in full right away? Why do we allow them 30 days to report it paid in full? ( Issue # 3 ) I paid that amount. I gave that company my corrected address. Why then did they send the letter to my old address and finally I got the letter with the yellow forwarding address? ( Issue # 3 ) Why is it that there is so much room for error between the 3 credit bureaus? ( Issue # 4 ) Why does each lending organization/bank have so much latitude to make adjustments to my credit score reported by the credit bureau and then make their independent discriminatory decision about lending me money? ( Issue # 4 ). 
I need my credit score from all three agencies to reflect the payment I just made on XX/XX/2020. I need to know what my credit score is right away. I tried to go to XXXX to request my score for XXXX as I was told to do by a XXXX   representative today XX/XX/2020 and there was no such prompt to go to to get a " CREDIT SCORE " for XXXX cents or other wise. Why is this so difficult. Why is my credit score not FREE? 
I spoke to an Equifax employee on XX/XX/2020 and asked her to correct my name and addresses and she instead added a NEW incorrect name to my report. This is negligence and needs to be addressed. Why do I need to now send in a identity verification to fix this and it will only be fixed with one credit bureau and not all three????? The Credit Bureau processes need to be streamlined so that they are easier/more user friendly and improved so that they help rather than hurt and confuse the end users. Please respond to my email address XXXX asap. I need to know what my credit score is right away. I was willing to pay the XXXX cents but could not even get access to that website. Does it even exist? Is it just something that the credit bureaus are told to tell us to get us off the phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sarma
State: TX

Complaint narrative:
The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Per account I've no contractual obligation to pay this company. I advised this collection to be send back to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Looking at my credit report I see a collection from credence resource management for a XXXX XXXX  bill, I have no knowledge of having a signed contract with XXXX. Debt collector can not provide validation of a sign contract with XXXX  or with the debt agency they only can provide last bill which does not validate the account, secondly o never signed into agreement with debt collector for collections and never received written notice of debt, I want debt removed from ALL 3 of the credit bureaus.

Company response to consumer: Closed with non-monetary relief