vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/2020 I have been sending dispute letters to Experian to send me verification of two debt collections in my account and they have failed to do so. They keep and saying it has been verified and they havent verified with me or have sent proof that the collections are mine. There are for XXXX. XXXX, XXXX and XXXX XXXX. XXXX  and XXXX   hace removed those collections because they dont have proof that these collections are mine but Experian has failed to do so. 

I have also requested for all three bureaus ( Experian, XXXX  and XXXX XXXX to verify debt from XXXX XXXX and XXXX XXXX which are Charge Off closed accounts. I have requested verification of debt since XX/XX/2020, and nothing has been done. 

For both issues Ive sent letter for them to send me proof debt since XXXX, XXXX, XXXX, XXXX and no verification of debt has been sent back to me.

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 2020-09-04 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
We were a business client of American Express for almost 20 years with excellent payment history, due to Covid-19 our business was closed in XX/XX/2020 and is still closed, during this time we checked in with American Express twice a month as they required to updated our situation. In XX/XX/2020 Amex closed the account without notice and the account was placed overseas in XXXX with individuals you could not understand, we asked and tried several times to speak with someone in the US, AMEX did accommodate that request, we still continued to call AMEX and update them as we were waiting for funds. To avoid any issues with credit we entered into an agreement with American Express ( Uploaded ) in XX/XX/2020, that clearly states credit will not be affected. AMEX did not honor the agreement and even though this was a business account AMEX placed a charge off on credit with all 3 agencies on personal credit which dropped credit from XXXX to XXXX and has severely crippled our ability to finish with refinancing assets to pay the debt in this Pandemic. We have tried several times to Speak with a US based AMEX Customer Support and each time the call goes to XXXX and with NO RESULTS. thank you in advance for your assistance. Please Help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: VI

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX Account Number :  XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : -XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XX/XX/XXXX Account Number : XXXX For XX/XX/XXXX 1. Validate Account XXXX Account Number :  XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
For XX/XX/XXXX 1. Validate Account XXXX Account XXXX : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XX/XX/XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XX/XX/XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. THIS IS MY 2ND COMPLAINT. The first response I have received from your company was that " it appeared my complaint was not sent by me. '' Therefore, I will attach a NOTARIZED letter verifying my identity so that you will know that this complaint is sent by me, XXXX XXXX XXXX! I have sent 3 letters requesting verification of account numbers XXXX ( XXXX XXXX XXXX ),  XXXX ( XXXX ),  and XXXX ( XXXX ).  My first letter was sent XX/XX/XXXX, second was sent XX/XX/XXXX, and the third one was sent on XX/XX/XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Under the FCRA, unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. Despite three written requests, the unverified items mentioned still remain on my credit report in violation of Federal Law. They 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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 accounts be verified or deleted immediately. Therefore, I will attach the latest letter that I have received. I will also attach the latest letter that I have sent out to. All letters that I have sent out have been notarized and include a copy of my Driver 's License, along with 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 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my account with SunTrust exactly a month ago because I wanted to take advantage of the promotion, they had for their checking account so that I can close my old account. Yesterday I received my direct deposit into the account, and I did a XXXX transfer that night, my account was placed on hold. In the morning I log in to look at my balance, so I see that all my money is there. I get to working and decide to call them in the afternoon to resolve the XXXX hold. later in the day, I received two emails to contact them, etc. I call and they tell me that the only way they can lift the hold is if I go into the branch. 1. huge inconvenience to have to go into the branch 2. I was in Rhode Island working, where there is no SunTrust bank nearby, they would not give me access to my account at all online. The Customer Service Rep ( who also wasn't nice in the beginning at all, I think ended up feeling empathy for me ) suggested I use XXXX to transfer my money out of the account in the meantime since I could still use my debit card, this way I don't remain without my money. I was able to add {$2000.00} to my XXXX balance and then they blocked my card with a remaining balance of {$1400.00}. I called and spoke to fraud prevention and they said my account was being closed due to misuse of the account. I don't care about the account because as soon as I saw their very outdated policies and handling process I had already made up my mind that I was going to close the account. I need to know when I will be receiving the rest of my balance in the exact amount of {$1400.00} to my mailing address because as of right now there is no other way for me to get my money. This was unprofessional and very primitive handling of my money.

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 2020-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Refused the opportunity to do an in-house FHA Streamline Refinance when I was eligible to do so in XX/XX/XXXX. The underwriters of the company, PHH, kept trying to insist that I had been late on my mortgage even though I paid within the grace period and was NEVER late. They had the records within their company showing such and I even offered to provide my credit report to validate my claim despite the fact that could go through their records and see it for themselves. I even had my Relationship Manager with the company send over a statement stating that I had never been late and was still denied the ability to refinance. 

I put my account in forbearance in XX/XX/XXXX following the fiasco following the denial under the impression that they were going to fix the issue on the underwriting side. At the time, I was told that the forbearance would not hinder me from being able to do the streamline refinance. Subsequently, I tried again to refinance the property in XX/XX/XXXX and removed the forbearance from my account at that time. Once again, my application was denied after a month of processing. When I inquired as to the reason why, I was informed that the forbearance then disqualified me from being able to do a streamline. 

Disappointed, I then called to do a conventional loan refinance with them again in XX/XX/XXXX. At that time, I was told that the forbearance was put back on my account despite the fact that I had it taken off in XXXX. This situation has now made it so that I can not refinance my home until XX/XX/XXXX despite the fact that I was eligible in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have sent NCA two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$1400.00}. The company has failed to respond to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
New REZ-ShellPoint mortgage continues to state my mortgage is in deferment on all three of my credit reports, since the CaresAct was enacted in XX/XX/2020. This dropped my credit score! 

I have been on time with EVERY monthly morgtage payment since New Rez took over the servicing of my loan in XX/XX/2020. Furthermore, I am not in a deferred payment plan and even if I was, mortgage servicers are not allowed to use this remark on credit card reports. 

I have emailed NEW REZ at least 4 times regarding this matter. I have received an email stating they received my correspondence but they never send me anything after that. 

I have disputed this with all three credit bureaus numerous times. New Rez will not remove the incorrect deferment remark that is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: SC

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, Equifax and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: FL

Complaint narrative:
Approximately end of XX/XX/XXXX I received a credit card in the mail WHICH I DID NOT APPLY FOR OR REQUEST. i checked my credit and saw a hard inquiry AGAIN, I did not request or apply for this card. I called credit card company explained to them the situation advised I DO NOT WANT HIS CARD ACTIVATED, that I did not apply. On XX/XX/XXXX I received a credit card statement for {$75.00} which is the annual fee for the card. I was told they could not waive fee unless I close the account which would negatively affect my credit so I did not want to do this. Now they said I can file an identity theft claim, there really is no claim for this as I received the card so no one was really trying to steal my identity. The company would not waive the {$75.00} and I was told it takes 30-60 days meanwhile the {$75.00} payment is due in 20 days (  XX/XX/XXXX ). I don't want to pay the {$75.00} but I don't want late fees. I don't want this card and I will not pay {$75.00} every year for a card I did not request or apply for. Equifax filed a dispute but told me the same thing. So now I have this {$75.00} I owe and no one will help me. I can not wait 1 to 2 months for some sort of review when I have a balance on the account. I asked if it could be closed some other way where I would not get points off of my credit but was told no. I already have a hard inquiry on my report now from this. I want this {$75.00} off, the card was destroyed. I am trying to purchase a home and this will not be good for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: SC

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, XXXX and TransUnion are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For TRANSUNION 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report 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 2020-09-04 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: NY

Complaint narrative:
My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with TransUnion and XXXX. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent TransUnion a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, TransUnion tried to make a {$25.00} payment on said debt without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04 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: FL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have sent RS CLARK ASSOCIATES two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$63.00}. The company has failed to respond to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
This account has been opened fraudulently. I had no knowledge of this account. I didnt open this account.

Company response to consumer: Closed with explanation