vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXXXXXX XXXX  XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a zero balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: UT

Complaint narrative:
Dear Fair Collections and Outsourcing : I am responding to your contact about a debt you are trying to collect. I recently pulled a credit report and saw that there is a collection out for {$93.00}. XXXX  XXXX University is the original creditor and the classification is medical or health care. I have not been contacted ever regarding this debt, either by the original creditor or the collection agency. I would have been happy to pay the creditor originally if it had been brought to my attention. I would like more information to understand if this collection is legitimate and if I should pay. I reached out personally to " Fair Collections and Outsourcing '' in the form of a letter in XXXX and have mail confirmation that they received the original letter. I have not heard any response 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 2020-11-12 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: NJ

Complaint narrative:
On XX/XX/2020 I contacted Transunion to dispute a few inaccuracies on my report. On XX/XX/2020, Transunion received my dispute via USPS certified mail tracking and did not investigate my dispute. I have attached the proof.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid off my credit card to a Capital One credit card I have and they continue to charge me interest charge/special service charges on a zero balance. I've tried calling and speaking to supervisor after supervisor and they can't explain to me why except for it's from the previous months balance, special service charge. I then ask, how do I completely pay off my card if you keep " making up '' erroneous charges. they could not answer that question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX Towner Loan in XXXX, Missouri called my phone 7 times in A ROW in the middle of my work day. By the 8th phone call in a row, literally back to back, I stepped out of a meeting and answered and asked them to stop calling. HE LITERALLY CALLED back immediately after I hung up. I blocked the number so I could get back to my meeting. The next day I left a voicemail with XXXX XXXX, the regional manager, explaining my frustration and asked him to call me back. I never heard back from them but received numerous calls the following Monday and Tuesday from a different phone number but from Tower Loan. When I asked one of the employees ( XXXX or XXXX ) for the corporate Tower Loan phone number they gave me the phone number to XXXX XXXX but still couldn't provide the corporate number. I XXXX and found the number myself and told them the situation. Within ten minutes XXXX XXXX finally called me back after I'd left him a voicemail about them calling 8 times in a row. XXXX has been calling my family members every other day even though I have been in contact with him the whole time. 

They are contacting me about an account that I told them someone else opened someone else stole my identity and I have filed a police report and Tower Loans knows all of that information and has used this tactic of calling me 8 times in the middle of my work day. 

numbers they have called me from XXXX Blocked this number and asked not to be contacted XXXX Blocked this number and asked not to be contacted Still received calls from these numbers 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 2020-11-12 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: TX

Complaint narrative:
Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have asked for validation of this debt and this company produces a doctored up statement saying that it was from XXXX  XXXX. You can see that it is not an original document. This company is illegally trying to collect on a debt that I have no knowledge of nor owe, nor have ever done any business with this company. I have asked for documentation On the debt which i recieved some 3 or 4 statements showing an amount owed. They are stating they sent me information back in XX/XX/XXXX that I never recieved at all. They also sent another document saying something about a last four of a social. I recieved documentation from another collection agency with the attempt to collect this same debt.It 's unusual that I would received such notice from one agency but never got anything from portfolio recovery. At this point someone is not being truthful and are illegally trying to collect on the same debts. Portfolio recovery claims they have rights to collect as well as the other collection agency. How can 2 companies own the same account from the same creditor with the same exact account number. I have not recieved any purchase agreements, not a bill of sale, but purchase agreements showing this debt was bought from XXXX XXXX nor does it state it was bought from the previous collection agency first source advantage who claims they acquired the debt in XXXX of XXXX. If portfolio recovery claims i owe this debt then I need documentation proving their right to collect this debt. these companies by law are required to provide this information upon request. They have not produced any accountant records, transaction receipts with my signature, they have not produced any license to collect in the state of california which they are required by law to have. They have not produced any valid information that shows I owe portfolio recovery Associates or XXXX XXXX any money. They are violating my rights under the fdcpa as well as the fcra. They are also reporting a charge off every month to my experian report which is also another violation of the fcra known as re aging the account. A collection account can not report any payment history if a consumer did not enter into any agreements to make any payments to. This company is notorious for their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I found a collection account in my credit report without any previous notice about the origin of the debt. THIS ACCOPUNT DOES NOT BELONGS TO ME. I contacted the collection agency and they realized the account is not mine. But the collection agency NEVER contacted me before summiting the information to the credit report. 
Collection Agency : SEQUIUM ASSET SOLUTION Original Creditor : XXXXXXXX XXXX Loan Amount : {$770.00} Account Number : XXXX Collection Opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, GA XXXX The fraud address ( someone used my information for the account ) is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I reviewed a copy of my credit reports and found that there was an incorrect account on my reports. I contacted the company, Portfolio Recovery, to dispute the debt and asked that they provide me with a debt validation letter. They have not not provided me with sufficient proof that I owe this debt, except copies of bills from the company that sold this debt to them. I asked for the contract specifically bearing my signature, and Identification used to open this account. None of this was provided and they fail to remove this incorrect account from my credit reports. This incorrect account has caused me and my family much grief. I can not purchase my 1st home for myself and my family because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in a dispute XX/XX/2020 and have yet to receive a response from the credit bureaus and it's been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There is ONE inquiry on my XXXX report from MACYS dated XX/XX/20 that I do not recognize. Please remove off of my file. 

Inquiry : MACYS Date reported : XX/XX/20

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 2020-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX last year XX/XX/XXXX. The vehicle was financed through Capital One and totaled this year in XX/XX/XXXX. Capital one only recently started sending me paper statements the same month the vehicle was totaled and I noted and informed XXXX XXXX co representative XXXX XXXX that Capital one has the wrong vehicle. I reached out to XXXX corporate office, the title division and asked that they contact Capital one and send them what they were asking for to make the correction and she did. I was able to verify this through XXXX XXXX an account XXXX at Capital One who after aprox 4 weeks have not been able to updated records from the back office and the only thing he can do is to continue to send them emails. Capital one has switched my infinity to a XXXX XXXX XXXX that I have never owned. I am XXXX XXXX XXXX, a single home owner and feel that I am being abused and taken advantage of. XXXX XXXX frequently states theres something wrong with the collateral which makes no sense to me nor do I understand any of the delay since they have been provided the with proper records and title information, why are they unable to correct the records so that the insurance company can pay off the infinity so that I can move forward to other problems that many people have today. The stress and frustration is too much, please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
NewRez XXXX XXXX XXXX XXXX, SC XXXX On XXXX I paid off a home loan. On XX/XX/2020 I received an escrow disclosure. For the last 7 weeks I have been trying to get my tax escrow refund from NewRez. I have called numerous times and talked to numerous people that work for NewRez. All of them have assured me that the refund monies in the escrow account would be sent to me. I contacted them on XX/XX/2020 and they told me the check was mailed on the XX/XX/XXXX. I called about a week later and told them I hadn't received the escrow check. NewRez told me to wait a few more days and call back if I didn't receive the check. I called on the XX/XX/2020 and they told me that they would wire transfer it to my banking account. I gave them all the information they need to do the transfer. I receive a call on XX/XX/2020 from NewRez saying that they transferred the funds to my banking account. The funds never showed up. I contacted NewRez on the XX/XX/2020 and they told me the transfer was on hold? I called the next day and they told me the escrow check had been mailed on XX/XX/2020. I also asked for some one to call me regarding this problem. I called today XX/XX/2020. And informed them that I have not received the check and no one has contacted me. Today XX/XX/2020 they told me they were going to wire transfer the money to my bank. Some one from NewRez would be contacting me. 
I need help!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: MOHELA
State: IL

Complaint narrative:
Dear MOHELA/DOFED & XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately. 

( Screenshot below )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there are two accounts reflecting badly on my credit. I had no idea what two accounts they were referring to until I looked over my credit report and saw one account from a company called XXXXXXXX XXXX and another one from XXXX XXXX XXXX. These accounts do not belong to me nor am I affiliated to either of those companies in any way. I never opened any account with those companies and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of those accounts that were opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards those debts. I don't know who is responsible for these accounts but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, XXXX  is reporting an opened date of XX/XX/2020, Equifax is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation