vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-23 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: MoneyLion Inc.
State: CA

Complaint narrative:
MoneyLion has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, EXETER FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an unauthorized charge on my card. I reported to the bank and company. I filed a complaint with CFPB. Bank credit my account then two months later without noticed reversed the charges over drafting me account. Bank is charging overdraft charges and deducting the unauthorized amount from my account. 

Spoke with company that charge my card XXXX, they said they refunded the money to my card in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

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 2020-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
Company-online information services Amounts-XXXX They dont have any information regarding me still they are sending me debt collection letters This company is a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as 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 2020-12-23 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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I was informed by the Consumer Finance Protection Bureau to speak to XXXX XXXX regarding my complaint. Mrs. XXXX has blatantly refused to provide the requested documentation pertaining to authorizations for both the debit and credit card accounts. I have repeatedly requested copies of any any all authorizations for any debit cards and/or credit cards. I have not received the requested information after three to five months of requests. This information is required for me to have XXXX XXXX XXXX XXXX XXXX XXXX arrested for stealing my identity. I can be reached at XXXX, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
At XXXX XXXX, a family member of mine received a phone call from the number given. I called the number and asked them what was the situation. The person on the line claimed I owed an outstanding debt of about XXXX dollars. I told them that the medical insurance told me everything would be covered, only the copay, I would have to pay, if there was any. This supposed debt is from a doctors appoint from around XXXX. The person on the line threatened to sue me if this supposed debt was not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have 2 accounts on my TransUnion, XXXX and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.

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 2020-12-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have 2 accounts on my XXXX, Experian and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.

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 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a withdrawal of {$1000.00} from my Bank of America PrePaid card that I myself did not make in XXXX XXXX. I called to make a claim regarding that XXXX XXXX and they told that they would look into it, XXXX XXXX I received a letter stating that my claim was closed. I called again to have the claim reopened since I did not make that withdrawal. They have asked me to send in a photo of my ID to compare to security cameras where the withdraw was made, as well as call back every week to check in. As of today XX/XX/XXXX I still have not received my credit. I have done everything they asked me and they keep giving me different stories everytime I call.

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 2020-12-23 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: STATE FARM BANK, FSB
State: NC

Complaint narrative:
This is not a duplicate case. I am submitting this request as I have garnered additional information from both State Farm and XXXX  which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to XXXX. It also appears that State Farm has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to XXXX  as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with XXXX  and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XXXX  XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from State Farm directly, as to which payments ( month/day/year of the late payments in question ) State Farm is reporting as late within the last 60 days to XXXX. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.

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 2020-12-23 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: Professional Finance Company, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX never ran a claim through my insurance. I called multiple times and they said there was a " glitch '' in their system and it never was sent to my insurance company. When they finally did submit the claim it was past the amount of time for them to submit it so my insurance company denied the claim. XXXX XXXX XXXX said that since they did not submit it in the time that was required, that I did not owe the money and they would take it off my account. They took it off in XX/XX/2018 then for some reason sent my account to collections, Professional Finance Company. I explained the situation and they said I need to prove that XXXX XXXX XXXX stated they would remove this. I sent them a letter along with my statements showing that the charge was removed from my bill, this was in 2018. Now they are reporting that my account is delinquent. I contacted them and resubmitted my information but the account is still showing as adverse. 

In the documents below, it show the charge on my XXXX statement, then removed from my XXXX statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed personal information that is incorrect on my credit report with experian they have declined to corrected, In addition, I have disputed a collection being reported under the credit file maintain under my social security number with Experian and also requested their Method of Verification and deny to provide me that and deny to investigate further.

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 2020-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are inquired that A. I did not authorize or B combines I never heard of before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I looked at my chexsystems and noticed some discrepancies dated on XX/XX/2019 in the amount of {$380.00}.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was granted a loan forbearance by Shellpoint/NewRez pursuant to the CARES Act. This forbearance expired on XX/XX/XXXX, and I was advised that Shellpoint elected to exercise the loss mitigation option of adding the forborne amounts to the end of my loan. 

Upon conclusion of the forbearance period, I was granted a deferment by them on XX/XX/XXXX. The deferment agreement specifically states that my next payment is due on XX/XX/XXXX, and that the payment amounts between XXXX and XXXX will be added to the end of my loan ( i.e. due upon either payoff or loan maturity ). I fully intend to resume loan payment as on XX/XX/XXXX, as my hardship will have ended by then. 

Despite the above, I continue to receive communications from Shellpoint telling me that my loan is " delinquent '' and " past due '' and asking me to contact them for " options on how to avoid foreclosure. '' I have spoken with customer service representatives at Shellpoint on XXXX occasions now, and they keep reassuring me over the phone that they will not take any adverse actions and that my next payment is not due until XXXX, but that they " can not suppress collections letters. '' I think that Shellpoint continuing to send me correspondence that my home is going to be foreclosed on despite having contractually agree to a loan payment deferral until XX/XX/XXXX constitutes an unfair, deceptive, and abusive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and is also a violation of the Fair Debt Collection Practices Act. 

I would like the Bureau to order Shellpoint/NewRez to cease sending me letters telling me that my home will be foreclosed on while the loan is in deferment. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has still not sent me verification of the " company '' that they use. By law they have to disclose this information to me as a consumer. I have submitted evidence indicating that the bankruptcy has been removed by " the company '' they use. They keep repeating the same jargon and we are getting no where. I again enclose the XXXX XXXX letter as evidence and the same response with no company listed. Experian please understand as a XXXX veteran I have nothing but time on my hands. I'm really exhausted of the methods the company uses. I ask again PLEASE PROVIDE YOUR SOURCE to me in writing. This the company is not satisfactory.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I attempted to freeze with Stage Stream both by mailing a letter with my drivers licence & SS card and Utility bill and the freeze with rejected by Stage Stream. I also completed there on line form and attached the same documents and the freeze was rejected.

Company response to consumer: Closed with explanation