vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: WV

Complaint narrative:
Discover refuses to abide by the law and verify debt they claim is owed. 
This erroneous information is breaking the Fair reporting Credit Act. 

On XX/XX/2021, I sent a 609 dispute letter to the credit bureaus and Discover to verify debt. Specifically, requesting " physical verification of the original signed consumer contract ''. Again in this letter it states, " an original Consumer Contract with my Signature on it ''. 
In response on XXXX XXXX, 2021, Discover chose to blatantly ignore my requests for a contract or signature and sent a letter stating when this card was allegedly opened and an address of public information without any verification of debt belonging to me. 
I sent a Fail to Validate letter stating this fails to meet the Federal Trade Commissions guidelines in which I outlined in the letter and again requested verification. 
On XX/XX/2021, I was sent a degrading letter again ignoring my request to validate that " We previously communicated to you the result of our investigation ''. Then, the 2nd page requested my social security number and birth date which they would have if this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: MD

Complaint narrative:
I am doing a refinance process and my title company XXXX XXXX XXXX XXXX XXXX XXXX has asked several times an payoff to NOVAD MANAGEMENT CONSULTING LLC which is the Partial Claim Servicing Contractor for the Department of Housing and Urban Development ( HUD ). I did requested it and also the new mortgage company did it too but I have not have an answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I paid my last car payment on XX/XX/ 2019 and purchase a new vehicle in XXXX. The dealership took my vehicle as a trade for the new vehicle. They contacted the other dealer to inform them the car was at their location and for them to pick it up. However, They did not pick up the vehicle until almost 2 months later. This cause my credit to show a repossession and late payments. I was told it had damages to the vehicle in which I did not damage. I asked for pictures I never received them of the damages. They contacted my insurance company to pay for the damages. I also had GAP insurance in which would have paid off the remainder. I tried calling, disputing and even had a lawyer to dispute the collection. Each time the creditor would add things to my credit to make my score down each time. They keep adding repossession on my credit report for each month since XXXX of 2019 till now. This is unfair to me and reflects me from getting anything using credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We have two cards with synchrony bank. I noticed that one account closed due synchrony bank telling me I wasnt making more then the minimum payment. But I was making the agreed payments and closed my account with no prior notice. They also advised they kept running my credit. I submitted tired to reach out but the representative didnt know why this happen. A week later same thing with my other account. I was making payments and they just closed the account.

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 2021-05-21 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: FL

Complaint narrative:
I requested dispute to XXXX XXXX Experian due to unknown account/erroneous item listed on my credit report as XXXX XXXX original creditor is XXXX XXXX XXXX XXXX in the amount of {$5300.00}. 

XXXX and XXXX did remove the erroneous item and Experian did not. I sent again a dispute notice to Experian two additional times. They never responded back. I called on XX/XX/XXXXXXXX to request method of verification and detailed information on how they reached their initial verified results. I was told it would be sent. I received a generic email of Experian dispute process XX/XX/XXXXXXXX  at XXXX ( attached ). 

I called back again XX/XX/XXXX and spoke with XXXX in the fraud department at XXXX and told to him these exact words. " Please provide me with all of the information you used for your investigation as required by FCRA 611 ( a ) ( 7 ) regarding XXXX XXXX or have the item removed. 

XXXX stated he can not send furnish information used for their investigation to a consumer. I did inform XXXX by law he can so and if can not assist to please send me to a supervisor. XXXX with Experian has refused me the law under statute FCRA 611 ( a ) ( 7 ) and refused me his supervisor XXXX. 

XXXX did confirm these were the dispute dates received : XX/XX/XXXX resolution was XX/XX/XXXX. 
XX/XX/XXXX resolution was XX/XX/XXXX. 

Since he could not furnish the information used in the investigation I did advise him to write it down as a dispute because I wanted it noted. 

I then called back again XX/XX/XXXX at XXXX to request a supervisor where I was placed on a 30 minute hold and disconnected.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously notified Experian that I am a victim of identity theft. Please see attached FTC, Identification and a copy of my social security card

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 2021-05-21 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent BANK OF AMERICA # XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2021-05-21 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: NY

Complaint narrative:
On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to reach Transunion, XXXX  and XXXX will not allow to dispute on line. states I have a dispute I did not do. Ex-husband took my card without my consent

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 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In the process of applying for another loan, my credit report showed a delinquent account with an overdue amount to a utility company in Texas. I have never lived in Texas and my last XXXX  trip to Texas was at least XXXX years ago. 

I submitted a dispute to TransUnion XXXX and the utility company - I'm still waiting to hear from the utility company ). TransUnion 's " investigation '' stated that my report is accurate with regard to the amount due the utility company. They provided no evidence or explanation as to why they think this is correct. TransUnion should be obligated to provide documentation and verification. 

I can not prove a negative - it's up to them to prove this is my account.

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 2021-05-21 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We have made several attempts with Ann Taylor to correct the inaccurate information on our credit report. Account was paid in full and close XX/XX/2020. However, Ann Taylor has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, Ann Taylor has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to Ann Taylor trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and Taylor reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against Ann Taylor!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: RI

Complaint narrative:
I signed up to receive a {$250.00} cash advance from MoneyLion aka XXXX aka XXXXrequired access to banking account information and signing into account via their portal. Granted third party access. Discrepancies for accounts owe and received. Requested {$250.00}, required transfer to XXXX account, transferred to bank, agreeing to pay {$4.00} each time to have it within minutes. Only received {$50.00} and I am unable to cancel my subscription and refusal to rectify. Possibly a data breach and has my social security number, bank login access, worried about credit report and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
President Biden issued a continuation of the freeze on payments and interest that Trump ordered for the coronavirus situation. That freeze applies to government loans and is in effect until XX/XX/2021. 

Since XX/XX/2021, NAVIENT has harassed me with calls and emails demanding payments or forbearances even though it clearly states on their website that I needed to do NOTHING. So I did just that, nothing, because I do not have any private loans. I've never taken out a private loan for my education my entire life. 

As a result of following the directions of the President and Navient 's own website announcement, Navient has now put me into default and my credit score lost XXXX points. 

I was told I needed to do nothing. The demands for payments or forbearance this year were excessive and came across as illegitimate. If I wasn't required to contact Navient in order to accept the Covid relief, why were they harassing me? Why are they allowed to default people within this window of time when our loans were ordered by the President to be suspended due to the Covid crisis?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
Equifax will an online dispute from me. wrote them with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I had an account with Kraken that was closed in 2019. I need the account history in order to complete my taxes for 2019. I have been trying for months to get this account history, and they keep refusing or ignoring me. I can not complete my taxes for 2019 without this information, and I am suffering greatly in all my financial matters that require a 2019 tax return as a result. 

I just want my account history for me, personally, and for my XXXX so I can complete my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
XXXX will an online dispute from me. wrote them with no reply

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 2021-05-21 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This is a complaint about TSI - Transworld Systems Inc. I have tried to resolve this numerous times with them myself over the phone but to no avail. 
They claimed numerous times that they mailed me letters but they did not. 
They placed a collections on my credit for {$370.00} a couple months ago already, which is totally bogus. It's a XXXX XXXX bill that they and my insurance from 4 years ago have resolved but yet they put it on my credit WRONGLY. We sent them the insurance info about two years ago when they initially invoiced us but they claim it wasn't accurate bla bla. The insurance company is from 4 years ago and they long closed the case. I disputed it with the credit agencies as well and some have removed it from my credit. There is one or two ( out of the three ) that is still on because TSI claims it is correct, Well, it is totally dead wrong and should be removed. There is no one to talk to at TSI. They never figure out where the dispute status is up to and they never send letters in the mail. I request full legal action against them and to have the collection removed from my credit immediately. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX  XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2021-05-21 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:
Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXXXXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX* 4. XXXX XXXX XXXXXXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2021-05-21 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: FL

Complaint narrative:
Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXXXXXX XXXX account XXXX 4. Bank XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
on XX/XX/XXXX my PPP loan was funded by XXXX XXXX, which went through XXXX, funded to my bank Chase.

Chase claims ( with no proof ) that the funding was sent as an XXXX, which I am NOT, I am a XXXX XXXX, Both my PPP application / XXXX  and XXXX state this, However Chase is sticking to their story. 

Chase then offers a " resolution '' if I bring in my XXXX Schedule C they will release, I did, they refused and then asked for a XXXX Schedule C to release, I did, they once AGAIN refused, then the asked for a list of my transactions, I brought those in, they still refused and closed my account BUT did not send the money back to the lender. 

Lender nor XXXX will respond to me at ALL to help resolve this situation, PPP 's are something I OWE back and I never saw a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I reached out to the Lendmark Financial office in XXXX NC on XX/XX/XXXX requesting a full payment history for my loan. My original loan number was XXXX which was then transferred to XXXX and after Lendmark opened a new branch my loan # became XXXX. I requested a full payment history along with all loan origination documents. The branch told me they were not able to provide me with any of my payment history prior to XXXX of XXXX. The online system only allows customers to go back 2 years. Since XXXX of XXXX i have paid a total of XXXX to Lendmark and I am trying to verify that these amounts are correct. I believe that Lendmark has been taking advantage of me and other customers by overcharging in interest and also not appropriately providing payment information and loan documents to consumers. I want my loan either marked as paid in full and the rest of the balance dismissed or I want Lendmark to present all the current documentation I have requested.

Company response to consumer: Closed with explanation