vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020 saying that the tradeline is reporting accurately. How can I be 90 days late XXXX XXXX, XXXX XXXX, XXXX XXXX? How can that be? I can not be 90 days late three months in a row. How can I be 120 days late in XXXX. XXXX and then late 60 days late XXXX. XXXX? This can not be accurate. I do not believe that they did a proper investigation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: OH

Complaint narrative:
Can not connect to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2020 I attempted to withdrawal XXXX out of my account out of the drive through of Bbva compass and was pressured with questions where did I receive this large deposit from and I said its a sba loan and she persisted to ask me do I have a business and I stated yes you can check with my leader they wanted my application for the loan I contacted sba and they said the only thing I have to disclose to them is my disclosure of my loan because they are XXXX party by law I dont have to verify anything else with them. After I gave them the paperwork one lady called and started asking me a lot of questions and I felt attacked because I was just told I didnt have to tell them all of that my agreement is between me and my lender. I need access to my funds but my account is frozen. I have been reaching out to XXXX XXXX on my complaint with the teller but no help so far. I explained to her that I would be reaching out to you guys and that I contacted sba as well. My thing is the day before I got XXXX out and it was no problem I dont see why its a problem for me to use my own money. They where being prejudice and unprofessional during this entire situation I even complained with the company and this is not my first time going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
When attempting to link my PNC Financial Checking account to the XXXX service offered through XXXX I was informed that due to a change by PNC I would not be permitted to do so. I hope that in the future I am able to link and make deposits when I choose into this service. Upon the link request PNC informed me, however, that the accounts had been linked but I received no such verification from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima is on only on my XXXX  report. I have paid them XXXX dollars monthly that they took out automatically. My account has been deemed as late 30 days and 60 days however I was only late by a few days, nagain which are the days they took the payments. They are saying they got XXXX, but no payments on XX/XX/XXXX-XX/XX/XXXX. I paid them offnin XX/XX/XXXX but they are reportingXX/XX/XXXX. I have the receipts they emailed to me. In XXXX there was 3 payments taken. This company is ruining my credit. And XXXX  system won't take thebproof, the proof, emailed and uploaded the proof and mailed it in. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The following accounts are an result of fraud. I have no knowledge of these accounts. 
XX/XX/2020 XXXX XXXX Original creditor XXXX  XXXX XXXX   {$710.00} XX/XX/2020 XXXX XXXX XXXX  XXXX creditor XXXX   XXXX  XX/XX/2020 {$330.00} XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX {$1400.00}

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 non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclays US modified their XXXX Visa card benefits and did not notify me of the change.

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 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Repeated calls from this number and they ask for XXXX XXXX once I acknowledge who I am they wanted to talk about the debt with out reading the XXXX XXXX. They then hung on me when I asked to speak to a supervisor and I when called the number back and they would give me the fax number to have my bankruptcy attorney call them to place a cease desist to stop the calls. 

They need to send this is true debt I need validation from the original creditor. The debt collector need to contact the original creditor and send documentation of the debt. And no more calls to my number. They also need to read the XXXX XXXX before they start to try speak about case specific that a debt has been placed in their office. 

This is the 2nd time I have to file a complaint this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Since we originated the loan in 2018, my wife and I have had PMI on the load. 
Recently we went to about 34 % equity, so I asked if PMI could be removed. They said, maybe, but you have to submit a fee for {$100.00} and then a BPO will happen and then we'll see about the PMI removal. I agree, and on XX/XX/XXXX we submitted the {$100.00} electronically. 
Since then I've received no information. No call. No letter. Nothing as to stating when this broker would come out and do a walk through to determine home value. After a month, I figured let me just cancel this BPO and get my {$100.00} back since this company is not being truthful on what they offer. Since I have tried to get my {$100.00} back - I have sent countless emails. Through their site elements so I know that they get through. I get the occasional canned acknowledgement but nothing else. 
I am now sick of this kind of response. All I want is to get my {$100.00} back and my later intentions are to refi out of this loan to get away from this company. 
Hopefully you can help me. 
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 explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
We paid this debt in full but they refuse to tell the creditors that it is. I have an email proving so, but my dispute just came back stating that Rent Recovery Solutions said it was not paid. We paid via XXXX XXXX and was told by XXXX XXXX, our account Represenative that if we sent a XXXX XXXX our debt would be deleted off our credit that day. Here we are a few weeks later and it still isnt And they arent telling the creditors our correct balance with is {$0.00}. This account should be closed and deleted from our credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TX

Complaint narrative:
Experian all they want is for you to give them money they say we will boost your credit score if you pay them. I am XXXX XXXX XXXX paid my deductible on my XXXX experian wants money and they will boost my credit score I used to have XXXX now they have dropped it to XXXX. But apply for a credit card or pay them $ $ they will boost my credit score this has damaged my credit and call them is impossible. Thanks for help. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MI

Complaint narrative:
This was not my account. It was closed XXXX  years ago. There is no way they could Verify this account. I have asked to remove it. They have lied and said it was verified. That is not possible. Over XXXX years old. XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$290.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated -

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
having issues getting my credit report sent equifax information they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by TRANS UNION. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/XXXX, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/XXXX saying that the tradeline is reporting accurately and updated. It shows I was 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can that be? How can I be 60 days late 6 months in a row? What happen to the 90 days late, 120 days late, and etc. The payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
having issues getting my credit report sent XXXX  information they have not responded

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
having issues getting my credit report sent XXXX  information they have not responded

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 2020-07-10 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: MI

Complaint narrative:
Experian is " verifying '' an account that was closed over 12 years ago. I also included it on my Bankruptcy 9 years ago. It had a {$0.00} balance. So it was on my Bankruptcy in XXXX and it was closed in XXXX. There it is on their credit report! They are liars. They have it was verified XX/XX/XXXX. NOT POSSIBLE. My bankruptcy was Discharged in XXXX. NOT XXXX. Impossible. 100 %. They are just making up dates since they don't know. Remove this. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$120.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments -

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XX/XX/XXXX-XX/XX/XXXX about 10 times XXXX from XX/XX/XXXX-XX/XX/XXXX I don't know these people XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XXXX about 10 times XXXX from XXXX of XXXX I don't know these people XXXX XXXX XXXX  XXXX Factual data  XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX I received a email stating I opened a Bank of America prepaid pay card for my unemployment benefits? Which I did not authorize due to the fact that I have a current saving/checking account via XXXX  since XXXX. The prepaid was ordered and sent to a address located in California to receive NEVADA benefits which is disappointing in the BIG name Financial institution Bank of America did not do there due diligence to secure the identity of the person opening ANY account. I have requested for this fraudulent account to close immediately and to issue any funds verbally in via email lastly Im asking this agency to step in to receive the documentation this account can not be opened again and the funds owed 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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
On XX/XX/2020. I checked my XXXX XXXX app. ( which I do every Friday of every week because thats when my credit updates ) Long and behold when I did I see that my XXXX  score dropped ( XXXX points to be exact ) So upset I looked to see what changed. Thats when I discovered that I had a collection from XXXX XXXX XXXX XXXX XXXX XXXX for XXXX that was placed on my credit from a Collection agency by the name of Receivables Performance. Now at this point I am livid!! Because one, not only do I believe this debt is in accurate. But I never recived any notification from this agency about this debt or even had the right to Dispute. They just placed it on my credit!! Without any prior notification. Which in my opinion is fraud and violation of the FCRA. This is absolutely not OK!!!!! Especially with a DEBT FROM XXXX XXXX XXXX XXXX XXXX!!!!! They are a fraud and try to collect unowed fees etc. Which is why I left them and reported them several times!!!!

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX Credit Card. My Credit Card application was declined. I phoned XXXX reconsideration line to see what happened. The XXXX representative gave me information based on the TransUnion report that XXXX received from TransUnion, based on which I would not meet the standards for the Credit Card. However, the information that TransUnion sent XXXX was outdated. I compared the amounts owed to my XXXX Credit Card XXXX XXXX, and the XXXX representative and I could verify that the TransUnion report was outdated and not correct. The TransUnion report showed that I owe bigger amounts of money. Same happened with my reports on my XXXX Credit Card and my XXXX Credit Card. The information that TransUnion sent XXXX was outdated and incorrect. I attach screenshots from my online profile from the Banks of what I owe to the Credit Card as of today XX/XX/2020. If you compare my attachments with the actual report generated by TransUnion on XX/XX/XXXX you will verify that the TransUnion Report is outdated. I phoned TransUnion but the answer I received was that there was no representative that could assist me, and during XXXX the offices of TransUnion are not completely open. The offices of TransUnion being closed and not providing XXXX  with an up to date report caused a Hard Inquiry on my Credit Profile, and I would like to ask to have this Hard Inquiry removed.

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