vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: ERC
State: UT

Complaint narrative:
ERC is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I immediately called and paid this debt off. I never received any phone calls or any collection letters or notices about this debt. This violates my 30 day right to dispute and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I applied for PMI removal at the end of XX/XX/XXXX with Santander. They cashed the check for an appraisal on XX/XX/XXXX. They put the funds in the wrong account and did not order appraisal until I called to understand delay. They then realized the funds went in the wrong account and fixed it with another delay to move funds. Finally on XX/XX/XXXX they ordered the appraisal. Again I did not hear until I received a letter from the appraiser that they could not contact me, the phone number they were given in the letter was incorrect. I called the appraiser first thing Monday since I received that letter on a Saturday. He informed me they canceled the appraisal due to length of time. I then made multiple calls to the customer service line and several trips to one of their branches always assured they saw all of this interaction and would reinitiate the appraisal and PMI application for removal. I'm still waiting for any response from the bank on XX/XX/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 2021-01-20 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: OR

Complaint narrative:
I have signed up for automatic payments a few times and for some reason they are stopped. I do not stop them myself and my account has plenty of money to go through. I currently tried to refinance my home and my financer told me that my score was low due to the fact that I have all of these late payment records on my report. When I went online to see where my status was at because I go Paperless for my statements it told me I had a {$10.00} minimum to pay to be caught up. The financer could see my account and told me that I also had an additional {$25.00} for that payment to make. No where did Victorias Secret tell me I had all of these extra fees to pay so I continuously have been behind and they have been reporting it to the credit bureau which has made my score lower. I made the appropriate amount today and they said I am up-to-date and will no longer receive late fees or late reports on my credit however they refused to take off all of the late charges or late reporting to my credit. I do not feel that this is my fault as I signed up for automatic payments and on my end did everything correct to pay and I was never notified that I was behind or late it wasnt until my creditor told me what was affecting my score. I also feel it isnt right that they arent truly telling me the required amount to be caught up which makes me continuously behind. They are unwilling to delete or remove the late reportings. I would like to fight that and get those late recordings taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
The Company named ERC Enhanced Recovery Company also known as Enhanced Resource Centers sent me a bill of {$220.00} for an account they claimed I owed to XXXX in 2011! They record the call and force you to agree with them about the addresses they have on file in order for them to continue with the call, but then turn around as use your recorded voice as if fraudulently you agree that you owe the debt. I AM NOT DELINQUENT WITH ANYONE. You can not speculate or falsely claim I owe a debt as well and falsely report this debt as current from more than 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I asked for letters to verify debt multiple times, which I did not receive till just recently on the XXXX of XXXX. I have asked for several letters in the past and this is the first. The wording of the letter Indicates I have not made any payments, which is also false I have made many up to this point. Also when today, XX/XX/XXXX I was trying to call in to pay the full balance I owed, I left XXXX a voicemail with my name and number to call me back and waited 4 hours till I tried calling again and she picked up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
Today XX/XX/XXXX I opened a letter dated XX/XX/XXXX in the mail addressed to myself stating that I had a balance with XXXX Amount due {$670.00}. It was from ERC stating trying to collect a settlement from XXXX. I called the phone number listed # XXXX, at XXXX XX/XX/XXXX. A woman named XXXX answered and I told her I never had an account with XXXX in my life. I told her no. She went on to tell me I must pay {$200.00} and something dollars XX/XX/XXXXShe said maybe it was fraud-I asked how. I have alerts for fraud on my XXXX XXXX account. She asked if it was from XXXX. I said if I had something in XXXX I would have been contacted prior to this-it 's XXXX. She started to tell me they would take action-I told her the state of Pa has a Statue of Limitations and hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX about XXXX XXXX, I went to the bank drive through window to make a deposit. I sent out XXXX dollars cash to the teller, but when I got the receipt, it showed I only deposited XXXX dollars. So I realized that I made a mistake when I filled out the form, I only wrote XXXX dollars because I needed to transfer my friend XXXX dollars that day so I kept thinking about this number. First, the teller didn't correct the amount for me, secondly she didn't give the XXXX dollars difference back to me, also, she didn't confirm the amount with me. 
I am pretty sure that I brought XXXX dollars cash and I didn't go anywhere before I went to the bank that day. Then I drove back to the bank immediately and went to talk to the teller who processed the deposit for me. She said she didn't notice that the amount on the counting machine when she processed the deposit. She was busy at that time and let me leave my name and number to her, she will call me back when she found the XXXX dollars difference in the cashbox and would refund it to me. So I drove home waiting for her call back but she didn't. I called the bank before it closed, the teller answered the phone and told me she checked the cashbox twice and didn't find my XXXX dollar. I asked her if she check the camera, she said she didn't have the access to it. 
Then I have to call the customer service to find out what should I do. The representative told me only the branch manager has the access to the camera, I should go back to the bank on XXXX to see the manager. When I went back to the bank on XXXX but it is Saturday and the manager was not there. They said I need to go back on XXXX because XXXX is holiday. 
I waited till XXXX and called the branch to speak to the manager. The manager said she needed some time to deal with it and would call me back on XXXX. When she called me back she told me that she talked with the teller and checked the balance on XXXX and she was sure my money is not in the branch and she did all the procedure, also, she didn't have access to the camera. The only thing she can do is to report this case to an escalated department and somebody will call me in 10 business days and they will take from here. 
Here is the whole situation and why I submit the complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws? 
3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.

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 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was contacted by someone claiming to be a compliance officer working for XXXX county courts stating I was being sued. She said location services has been looking for me to serve me paper work for a lawsuit. I asked who, why and when and she had no answers other than youre in big trouble and need to call this number. ( XXXX ). 

I contacted the number and learned that this was an old bank debt and I was in fact-not being sued or pressed for legal action. 
The officer told me her job is to locate me and my FAMILY because they would be held responsible if I am unable to be located. 
The intimidation tactics that the compliance officer used caused me to clock out of work immediately to contact the number given thinking I would be arrested. I lost 6 hours of pay dealing with a frivolous threat that was just an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today XX/XX/XXXX I called Trans Union to dispute an inquiry that should not be showing up on my credit report. 

I spoke with 3 representative that talked but then told me they didn't have the power to remove an inquiry. Then I was transfered to a supervision both that ended up telling me they didn't have the authority to remove an inaccurate inquiry. I was given another opportunity to speak with yet another " supervision '' and saw they were just giving me the run around treatment. 

The issues relates to Trans Unions policy of giving a consumer a 14 day window to shop for a car and rack up multiple credit inquiries but then only count all those inquires as just one single inquiry. 

I search for a truck in XXXX of last year and racked up a few inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

All the inquiries from XXXX XXXX  XXXX have been removed and they just show 1 inquiry but for some reason they are still showing the inquiry from XXXX XXXX XXXX XXXX which is who financed my XXXX. 

The problem is that the XXXX XXXX XXXX XXXX XXXX inquiry shows up as a " credit Union '' and not " Auto loan '' as a result their system has not removed this inquiry. 

XXXX XXXX XXXX XXXX date : XXXX XXXX 2020 XXXX XXXX inquiry date : XXXX XXXX 2020 As you can see these two inquiries for an Auto Loan that was ultimately finance by XXXX XXXX falls within the 14 days that Trans Union is supposed to only show one inquiry. 

They asked me to get a letter of deletion from XXXX XXXX when it's not their policy thats the issue rather Trans Union 's policy of counting multiple inquiries for the same auto loan as just one inquiry within a 14 day window. 

It was clear that the agents at Trans Union didn't even understand the policy or the rules of the fair credit reporting act. They have no intent to correct the inaccurate information on consumers credit files as the fair credit reporting act requires them to do ; but instead give consumers the run around transferring them to one " supervision '' after another that doesn't even understand the policy or laws.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS REMOVING OLD ADDRESSES THAT WERE LINKED TO MY IDENTITY THEFT CASE.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS REMOVING OLD ADDRESSES THAT WERE LINKED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
1. I am not being responded to, by Navient XXXX. Attached. 
2. In XXXX I had an account that was reported 90 days late 3. I reported this to Navient in XXXX and thought it was removed, over the phone 4. In XXXX I thought this was removed due to misleading information at the time being sent to me and being told to me by Navient representatives. 
5. It wasn't until XXXX, I saw the 90 day late items reappeared on my account and effected my credit report, I assumed reinsertion. 
6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliant Capital Management LLC
State: AR

Complaint narrative:
I was contacted about a debt by Alliant Capital management and was told that if I didnt give them a card number to keep on file then the company who owned the debt, XXXX XXXX XXXX, could take action to the furthest extent of the law such as garnishing wages. This is intimidation and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
I am filing this complaint because the bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

1. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 2. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 3. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/XXXX 4. The following inquiry was made without my knowledge or consent XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 5. Validate Account XXXX XXXX  Account Number : XXXX  You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately. 

6. Validate Account XXXX Account Number : XXXX You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed 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 2021-01-20 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:
THE ACCOUNTS LISTED/INQUIRES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from XXXX  and XXXX XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and XXXX says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are XXXX XXXX XXXXXX/XX/XXXX Informative information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.

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 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I placed an add on XXXX for an item I was selling. An individual named XXXX claimed to be interested and sent me a cashiers check for shipping and payment for said item. I deposited the check which was help by chase for a few days, 2-3, and was cleared. I then sent the money using XXXX to the requested shipping company contact that was given. The final total was {$2100.00}. On the XXXX of XXXX the bank returned the check leaving my account severely overdrawn. I contacted both Chase and XXXX and both refused to assist me retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation