vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: TN

Complaint narrative:
On XX/XX/XXXX, I sent letters to Equifax asking them to investigate an account from XXXX/XXXX, as of XX/XX/XXXX, they failed to respond to my request as to how they verified this account. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when it will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I had debt collection company Vericred Solutions in XXXX XXXX Co report on my XXXX for the amount of {$1800.00} and I have never received any notification from this company let alone dont know who they are. I had pulled my credit on XX/XX/XXXX to refinance my home and I am the process until this showed up on my credit. I think if it was a legitimate debt I should have been giving the opportunity to dispute or pay. I will be hiring a attorney to resolve this matter. Companies like this need to be shutdown due not following the law. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: OH

Complaint narrative:
This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 verified or deleted immediately. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # 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 2021-01-18 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: MI

Complaint narrative:
I sent Equifax, XXXX and also XXXX letters about a miss payment that they reported 90 days late. I asked them to verify that this was indeed correct, However, they sent me an updated report stating that it was correct. I know that it's not correct because I was in a deferment at the time. Due to me being in school. As I looked over my report that they are claiming I was late, by law they have to report every month that I was late., However, they reported that I was late in XXXX XXXX, Let me tell you all how dirty Experian just is, Because they could not show any record of me being late on a payment. They took it upon their selves to go in and switch every student loan date that had reported 90 days late and only marked in XX/XX/2019, with all the other slots being checked ok. So Now they read a late payment in XXXX, XXXX, XXXX and XXXX. This is so much against the law and I am thinking about contacting a lawyer. Luck for me I print out all credit reports. Even have the ones from last year and two years ago from when they claim I was 90 days late. So please explain to me why did you all go and change them and never notified me of this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX  balance. But as you will see in the documentation they went ahead and XXXX  out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am having an issue opening up a checking account with Sun Trust Bank online. Sun Trust Bank is discriminating against me by denying me credit, not allowing me to open up a checking account and discriminating against me based on my race, me being XXXX XXXX ( XXXX ). Sun Trust Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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:
I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 non-monetary relief
Consumer complaint received 2021-01-18 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: PA

Complaint narrative:
Portfolio Recovery Associates, LLC is reporting a debt of {$2200.00} on my consumer credit reports. In XXXX of XXXX and then again in XX/XX/XXXX we wrote to Portfolio Recovery asking them to verify the debt, provide a payment history and documentation that proves they actually have the right to collect on this alleged debt with an assignment. 

They have yet to respond with any of the requested documentation. 

More than three ( 3 ) years ago I received one document only from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, and it is attached to this complaint. In the past I submitted a dispute with the credit reporting agencies but nothing was done and the debt continues on my report as a collection matter. 

XXXX, Portfolio Recovery Associates, LLC Dispute Department, XXXX XXXX XXXX, XXXX, Virginia, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I received a letter back in XX/XX/XXXX saying I had to pay this debt of some $ XXXX dollars. I called NCB and was told this was an online loan taken out in my name back in XXXX. I had never received any letters about this debt until NCB contacted me in XXXX and they are a 3rd party debt collection service! The bank who allowed this fraudulent loan be given out never even contacted me themselves! Not once! Whoever did this had all of my personal information. The lending company says they never asked for a copy of my ID. They still gave out a loan to internet hackers regardless. NCB told me to file a police report and send it in and they would remove this fraudulent account. I did that and not only did they continue with collection efforts they reported this fraudulent account to all 3 credit bureaus! I had excellent credit until they did this to me. This is wrong on every level! Why did I even go through all of the hassle of going to the police department and sending in the information they requested if its not going to change a thing! On XX/XX/XXXX NCB sent me a letter saying they received my dispute and said " After conducting an investigation we have been unable to substantiate the allegations in your dispute. '' I need help!!! This is not right. I will get an attorney if need be. Please help. I will never pay a debt that is not mine. This is unfair. I pay my bills and debts. My credit is ruined because of this. NCB ensured me not to worry and send in the police reports and it would be done. They continually lie over and over. Please please help. Thank you so much. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX balance. But as you will see in the documentation they went ahead and XXXX out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
This is a follow up to the case # XXXX which was closed and the response from the Company is this : " States Recovery Systems, Inc considers this matter closed. '' I just received another letter from the States Recovery System requesting payment of the same matter or else they will turn over the debt to the California State Franchise Board for interagency intercept collection. 

They are yet again threatening me with something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Lending Club Corp
State: NY

Complaint narrative:
I opened an account with Lending Club back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called Lending Club on XX/XX/2020 to have XXXX XXXX payment deferred, which was granted by Lending Club. I then called Lending Club again on XX/XX/2020 and asked that XXXX XXXX payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call Lending Club once again on XX/XX/2020 and ask that XXXX and XXXX XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I would up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX and XX/XX/2020, I also have a late payment for XXXX and XX/XX/2020 and that is totally incorrect. XXXX XXXX payment was made on time and XXXX XXXX payment was made six days late but it clearly states on XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX & XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was part of a scam and the bank will not reverse payment because it is a XXXX  payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
I recently notified Equifax that I am a victim of identity theft, the items listed on the ftc do not belong to me and i had nothing to do with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a XXXX XXXX history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.

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