vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/2020 I purchased the XXXX full monthly Experian membership as suggested to find a way to increase my score. The credit increase simulator tool suggested that I pay down my credit card utilization and I would get an increase of 66 points by doing so. I paid down that utilization to 0 dollars ( XXXX ) in total as instructed through the membership and instead it dropped my score 5 points. 

When I called on XX/XX/2020 I spoke with representative XXXX. Who could not explain why my score would have dropped and only understood my issue and concern. When I asked her who could explain it to me from Experian she suggested I hire a financial advisor as no one in the office is trained to know the answer to my question. When I asked her next what her ID number was in order to contact escalations and inform them of her lack of knowledge she did the Im sorry your phone is breaking up I can not hear you line and disconnected my call. 

I have been having an ongoing issue with Experian falsely and wrongfully decreasing my score and not helping me in understanding why. They falsely advertise that purchasing their membership is geared to help consumers in their process of credit rebuilding but do not help when you call. This is now my second complaint being filed with consumer finance on Experian since XX/XX/2020 and I still have yet to get any answers or return calls from someone more educated in the area. 
XXXX attempted to transfer me to the dispute department but there is nothing I can dispute this is solely an error or Experians end. I do not know what to do next but potentially take this to the news.

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
DOB XXXX SS XXXX I have attached my ID and SS 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 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
ATTEMPTING TO COLLECT INACCURATE AND OUTDATED AMOUNT, DESPITE MY PAYMENT ARRANGEMENT WITH THE ORIGINAL CREDITOR.

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 2020-04-18 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: WA

Complaint narrative:
OnXX/XX/2020 I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: WA

Complaint narrative:
On XX/XX/2020 I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXXExperian/XXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on 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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
XXXX XXXX SS XXXX I have attached my ID and SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
XXXX XXXX SS XXXX I have attached my ID and SS 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 non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Veristone Mortgage, LLC
State: CO

Complaint narrative:
This is what I believe to be construction finance fraud by a private " hard money lender ''. The lender is based in XXXX  State where it is registered as an LLC. It reportedly does business in all 50 states, including XXXX  where it is also registered as an LLC in good standing and where this scam occurred. 
In XX/XX/2019  I contracted with Veristone Capital LLC to provide construction financing for a single family residence near XXXX, XXXX  which I determined to sell. The agreement involved their providing construction funds in the amount of {$450000.00}. My contribution to the project was {$170000.00}. Construction began in XX/XX/2019. Very early on I began to experience difficulty in getting construction funds from them. At one point the excavator/concrete contractor abandoned the job due to funds not being provided and threatened to place a lien on the property. This abandonment ended only after I kept after them to pay the contractor, which they eventually did. Fast forward 2-3 months to when the framing contractor started and also was not paid as promised, threatened to file a lien, abandoned the job for over a month and a half, until I could finally get the lender to pay up. This damaged my working relationship with both contractors. Both contractors told me they had conversations with the lender and both stated they were lied to by the lender. Concrete and framing were both completed, or nearly so by the end of 2019 when the lender again began to slow pay and eventually stopped altogether. by this time lender 's investment totaled approximately {$270000.00}, leaving the project approximately {$190000.00} short. Although the house should have been completed in 9 months we have recently passed the one year mark and the note is due. Insofar as I was not provided the funds to complete the project, I have been unable to finish and sell. My expected profits upon a completed project should have been {$220000.00} to {$270000.00}. There is much email communication from me which memorializes the difficulties I had in getting funds from them and my belief that they never had the funds to begin with. My strongest belief is that they did not have the funds to lend but it is also possible that their intent was to provide only enough funding until they could step in and foreclose because the money lent could not be repaid. Either way, they breached the contract to lend and thereby created a situation to set me up for foreclosure. Although I have a great many emails, I'm attaching some of the more recent to lend support to this complaint. the name of the XXXX  based senior sales representative is XXXX XXXX. My main source of contact after the agreement was entered into is XXXX XXXX, Customer Service Representitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland credit management calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX  XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX XXXX XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
The date : XX/XX/2019 Amount : {$1500.00} There is a medical debt in dispute between myself and my XXXX XXXX office. The debt eventually went to debt collection agency after failed attempt to resolve with the XXXX XXXX office. The collector put it on my credit, without sending me validation letter. 

I have evidence showing the debt is paid in full by my insurance company. The image of cashed check obtained from insurance company, and the billing report from XXXX XXXX  office prove that the debt is fully paid.

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 2020-04-18 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 received a copy of my credit report and found the following item ( s ) to be errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TN

Complaint narrative:
XXXX : XX/XX/20 I received a " Brinks '' prepaid bank acct card ( with an already set up account with acct # and routing # ) a couple of days ago. This concerns me because this was unsolicited and when I called the customer service number ( NOT THE ACTIVATION # ) You can not get to a real, live operator. The systems loops you through choices of stealthily activating that card!!!! If you type in the actually number of the card, in order to move through the system and talk with someone ( it tells you that your acct is not yet activated ) AND THEN, it's asks you to put in your SS # for identification. I hung up and called the customer service line, where the experience of that was as I have described above. they stealthily are tricking you with options that activate that acct!!! This is bothersome to me - that I have received a " credit/debit '' card with an already established routing number and account number that I have neither activated or requested!!!!!!! Unfortunately I have shredded the paperwork - but kept the card. But am feeling like someone is trying to steal my identity, as this card doesn't have my exact name on it either!!!!!

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 2020-04-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THIS ACCOUNT WAS DONE WITHOUT ME KNOWING THAT IT WAS FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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:
I've attached document of the inquires that were not mine. I don't know how they got onto my report however it is incorrect. It's negligent of the credit bureau not to remove these even after I showed them proof it wasn't mine. On the other hand they've provided zero proof that it is mine. I've tried contacting the companies but they didn't answer me. Please remove them 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 explanation
Consumer complaint received 2020-04-18 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 noticed several inaccurate and false information in my credit report with TransUnion after obtaining my credit report from them. I immediately open a dispute in regards to inaccurate and false information for the investigation. In regards to all disputes, they notified me they have completed the investigation within 30 days from the dispute date, however, I was neither provided the result of the dispute in writing nor their online system maintained a record of the dispute. Since I have opted for the online version, every time I have logged in to TransUnion the dispute I have filed is either " In progress '' status or it no longer exists and there are no records of the dispute whatsoever. 
I have also sent TransUnion two letters via certified mail in regard to some other disputes which they have never responded to.

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 2020-04-18 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-04-18 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-04-18 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: CarMax, Inc.
State: KY

Complaint narrative:
Carmax Auto Finance has added a comment to my credit reports as well as my niece 's new account on her credit reports " Stating Customer affected by Natural Disaster '' This is false and misleading information to any other creditor as neither I nor my niece have asked for any type of deferment of payment or any assistance at all. Actually, on my account, I only have a small balance left and do not even have another payment due for 5 months as I am paid in advance. On my nieces brand new account her first payment is not even due until next month. It seems like Carmax has added this remark to their account holders which could negatively impact the consumer with other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: TN

Complaint narrative:
THIS ACCOUNT WAS DONE WITHOUT ME KNOWING THAT IT WAS FILED

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 2020-04-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THIS ACCOUNT WAS DONE WITHOUT ME KNOWING THAT IT WAS FILED

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 2020-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I've had no money coming in since XX/XX/XXXX so I tried to get a mortgage payment forbearance for 3 months and my mortgage company M & T Bank will only defer me for 3 months and then they want all three payments at once The only way I could defer the three months to the back end of my mortgage is if I could file for a hardship and all the paperwork they need for that hardship most I can't get to because everything is shut down due to covid-19 so my hands are pretty much tied

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 2020-04-18 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:
I've attached document of the inquires that were not mine. I don't know how they got onto my report however it is incorrect. It's negligent of the credit bureau not to remove these even after I showed them proof it wasn't mine. On the other hand they've provided zero proof that it is mine. I've tried contacting the companies but they didn't answer me. Please remove them immediately.

Company response to consumer: Closed with explanation