vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: DISCOVER BANK
State: NC

Complaint narrative:
Spoke with a representative at Discover and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of XXXX. I was experiencing covid and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that Discover honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This is either a scam or identity theft. The debit {$600.00} is not mine. That is my name but not my phone number or phone or any other item on that fraudulent bill. 

This debt that is claimed by Convergent I immediately challenged through XXXX. The response from XXXX  was verified. This Convergent debt claim is blatant FRAUD. It is extremely concerning because they are simply creating debt out of thin air. I immediately contacted XXXX and they did not have any records that indicate this debt or any debt. Further, they added that my account was closed in XXXX in good standing. Convergent has dates for XXXX. 

Everything in the Convergent document is made up except for my name. This includes the phone number, the phone model and make, the dates, etc it is a complete fraud. 

Im not sure where to go with this, I am going to file a police report today. I have sent letters to the Federal Trade Commission, the California Office of the Attorney General, the Federal Bureau of Consumer Affairs, and the California Bureau of Consumer Affairs.

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 2021-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Student Loans are engaging in harassment. They call me between 4 and ten times per day and leave harassing voicemails daily. I can't have my phone on me at work anymore because Discover is calling me so many times back-to-back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NC

Complaint narrative:
To Whom it May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
According to the FCRA 15 USC 1681 it states that as the consumer I have the right to Accuracy and Fairness of credit reporting. 
I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have sent off several attempts to the LVNV Funding and to the bureaus to try to validate the debt. The only response I am receiving is a bill in the attempt to collect the debt. I sent letter on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any agreement between myself and LVNV Funding. Nothing has validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX and XXXX, Citibank reversed two transactions on {$100.00} and {$39.00} when the customer service call was to reverse all transactions to XXXX XXXX. Attached screenshot indicates 7 transactions : XXXX - XX/XX/13. Citibank answered two calls with the customer on the phone for over 2 hours yet they have not completed the required transactions. 

This is happening multiple times leading to issues on the account and the use of the bank for other services.

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a mortgage with Bank of America. I am currently on a forbearance due to pandemic hardships. I applied for a loan modification. During the process several documents were lost, my case was mixed up with another customer who was under bankruptcy. Several critical errors were made including miscalculation of my monthly income. My modification was eventually denied on XX/XX/XXXX due to my monthly income being too low. Bank of America states my income is {$4000.00}. This is NOT my monthly income. It is substantially higher and I have submitted required proof of this to B of A. B of A is refusing to provide any documentation of how they determined or arrived at this figure. B of A is refusing to provide verbal confirmation of how they arrived at this figure. I appealed the decision on XX/XX/2021 within the required timeframe to do so. Bank of America did not once call me to verify if the documents on file for my income were correct. Bank of America did not verbally or in writing request any type of resubmission of documents to substantiate that my income is in fact higher than what is currently being calculated by B of A. On XX/XX/2021, B of A denied my appeal by only stating that my income of {$4000.00} is too low to qualify for a loan modification. But again, that is not my monthly income and I can prove it and have done so. There must be transparency in this procedure. B of A could be selectively choosing which income documents the use to yield a lower monthly income and deny me. Bank of America could be missing critical income documents that show my full monthly income since there is more than one source of income. Again without transparency, I dont know and my right to seek a modification and adequately represent myself is being violated. Also without transparency and full disclosure on the part of Bank of America or any bank, it opens the door for fraudulent denials. No corporation should be allowed to act without merit at anytime but more so should be held to even higher standards during a pandemic.

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 2021-08-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please

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 2021-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached

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 2021-08-12 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: FL

Complaint narrative:
Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I debited XXXX from my account and it posted as two transactions on XX/XX/XXXX. After reaching out to the company via the branch manager through two emails and a message on his answering machine, I received no response for two weeks. Then I made an appointment for the Manager to call me today and he never did. I also debited XXXX yesterday and that transaction posted as a double transaction as well. Now I am XXXX down and trying to make payroll for a small business is getting harder. Please see if you can help. Thank you in advance.

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 2021-08-12 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have disputed the debt shown by them on my credit report. After asking for a method of verification in which they have not responded to the bureaus request they have contacted current and previous landlords. They have also sent a letter requesting information on me from an attorney 's office as they have not verified the debts as accurate and mine. 

The letter also shows my name as inaccurate as my name and only name is XXXX XXXX XXXX. 

It is the law that this company reports this information accurately on my credit profile. In this instance this information has NOT BEEN VERIFIED, nor is it being ACCURATELY REPORTED. 

Midland Funding has not been able to verify this alleged debt, the attorneys office does not state who they are working on behalf of, and Midland company is reporting this information on my credit profile without proper verification. 

This is a VIOLATION and I expect this erroneous information to be DELETED from my Credit profile with your company. 

Please see the letter I received from the attorneys office and the letter that I sent for verification of the debt. 

Please send an updated copy of my credit report after you have made the appropriate changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: IL

Complaint narrative:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

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 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

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 2021-08-12 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: MS

Complaint narrative:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: MS

Complaint narrative:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

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 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I reached out to the cash app to dispute a transaction that took place on XX/XX/2021. I also reached out on XX/XX/2021, and XX/XX/2021, to try to resolve this issue. And they have failed to dispute this matter and this falls under their policy and procedures to dispute an unauthorized transaction, especially if the full consideration has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On my profile and info page on Experian they have me as unemployed and no job or occupation. I work full time as a XXXX XXXX XXXX  for XXXX XXXX. I want lenders to see that I'm working and always do. So all I need them to do is update my profile with true and accurate info regarding my employment. Thank you

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I do not know SOUTHWEST CREDIT SYSTEMS nor how they got my private information without my consent. They are reporting inaccurate information to my consumer report. I demand you remove my information from your system, remove from every consumer reporting agency, XXXX out the alleged account, and take care of the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX.

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft AMEX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington Law is scamming the consumers because they are telling you that they can clean up your credit and help raise your credit scores. My credit score hasn't gone up and they are taking my money and I am so upset that I have given them this opportunity to assist me. I am trying to clean up my credit and raise my score but Lexington Law pretends that they have a team of paralegals working on your file. They only work on your file when you call them. I don't believe that any of these people are legitimate paralegals and I have asked to speak to a supervisor and that never happened. I have asked to speak to a lawyer and that never happened. I am paying them {$59.00} every month since last XX/XX/2020. I want them to return all of my money from day one starting with the first initial payment of approximately XXXX for setup fees and XXXX fees to start the services for approximately 9 months. I called last week and asked them to stop my services and the agent told me that cleaning up credit is impossible because the only person that can remove anything off of your credit is the Credit Bureaus. I said to her why did your representatives tell me since they are lawyers they can remove all of the derogatory negative items that are impacting my credit. They haven't done anything for me but caused me nothing but stress and financial suffering to pay them monthly to see nothing changing on my credit profile. I can not purchase anything, I can not apply for a credit card. The agent told me that I need to stop using my credit cards. I am paying them off as quickly as I can. I want my money reimbursed to me today. I want them to stop sending my calls to the XXXX and have them read from a script to me and nothing gets done. I am exhausted having to call them every two weeks to make sure that they are doing what they told me that they would do. They have done absolutely nothing for me.

Company response to consumer: Closed with explanation