vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: TX

Complaint narrative:
XXXX, Equifax and XXXX, has not ceased in their action to report factual information on my credit report. 
XXXX Equifax and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX Equifax and XXXX. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX Equifax and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I recently received a payment book for a car loan debt taken out in 2018 that has never had one payment on the debt and apparently the vehicle was never registered. I have tried to communicate with them. I have made a report with identity theft .go vans the company has refused to remove the debt telling me with 7 days of disputing this deft that they did an investigation and it is a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have 2 accounts that are reporting on 3 of my credit report ( program support center {$24000.00} and another for {$24000.00} ) The name was changed to program support center in 2019 which the name reporting on my credit prior to XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the exact same amount. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  and they sent me a letter stating that I do not owe any such amount that is reporting on my credit. They also sent it to the credit bureaus. Plus I have sent it to the credit bureaus with disputes but they removed only one, and still have one reporting as current now on my credit report. which I do not even make payments nor did I ever have any such loan. The Program support center {$24000.00} should not be on my credit because it is not mine. I believe it the credit bureaus that are not doing their job because I spoke with the actual creditor that reporting on my credit and they said it should be on my credit. This is really destroying my life and I need your help in this matter. 
I have sent a dispute letter to each credit bureau in which I will enclose one of them to show what I sent to each one

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 2021-07-01 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: UT

Complaint narrative:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX XXXX is trying to collect a debt of over {$5000.00}. The actual amount the judgement for the debt is $ XXXX.They are reporting a debt of {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My water utility 's bank allowed it to deposit a check dated XX/XX/2021 with a statement integrally imprinted over the signature " NOT VALID BEFORE DRAFT DATE '' and then my bank accepted it and processed it and charged a {$36.00} overdraft fee. I have copies of the front and back of the check.

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 2021-07-01 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: FL

Complaint narrative:
I sent a letter disputing an inaccurate item on my credit report on XX/XX/2021, however, i have not heard from them about the status or result of the investigation. It has been way past 45 days. I need the item deleted from my report

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 2021-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I own a home in New Jersey. My loan is FHA. There was a family who rented my property who was not able to pay the rent for a few months and had a history of missed payments. The tenants moved out of my home I believe in XX/XX/2021 due to lack of work as a result of Covid 19. My servicer at that time was XXXX XXXX XXXX. I requested to have a forbearance for the missed payments. My home remained vacant until XXXX until new tenants moved in. Once I started to receive income from the new tenants, I entered into a repayment plan with XXXX XXXX XXXX. After making 2 repayments as agreed, my house sustained a significant fire, {$300000.00} in damages. During this time, I was not able to continue to pay the agreed payments for the current and the past due balance. I contacted XXXX to discuss my options and informed them of the fire that took place and the loss of rental income. I was informed that my loan would be handled by a new servicer ( Fay Servicing ) and I was also informed that XXXX would not have the ability to provide any work out options, I would have to contact Fay Servicing. I contacted Fay Servicing and explained my situation. I made 2 payments to Fay Servicing XX/XX/2021 ( {$5000.00} ) and XX/XX/2021 ( {$7400.00} ) XXXX : {$12000.00}. I applied for a modification and was denied due to income which I find hard to believe. I was advised to sign the deed over to Fay Servicing in lieu of foreclosure. I contacted Fay Servicing to discuss mortgage assistance options or forbearance because I am only 3 months behind since I made the above-mentioned payments, now we are in XXXX, another payment is due. I was told that I don't qualify for a modification because of my income nor a forbearance because they do not participate in any forbearance programs. In addition, I was told that I am not protected under Covid 19 relief because I did not pay as agreed. I have sent several emails to my home preservation specialist ( XXXX XXXX ) to whom never responds and I have made several phone calls to XXXX but, he does not return phone calls either. I left a voice message for the supervisor in the home preservation department on XX/XX/XXXX explaining my situation and he or she has not returned my phone call. I received a Notice of Intent to Foreclose in XXXX after making such payments advising if I don't pay the delinquent balance, Fay Servicing will file for foreclosure by XX/XX/XXXX. Attached are some of the communications I had with Fay Servicing. I am desperate and I believe Fay Servicing has the ability to help me but, they refuse to. My insurance company has not paid me a XXXX since the fire. My mortgage payment is {$1800.00} per month. I work 7 days per week to try and catch up with my payments. I am on the brink of loosing my home with no help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Someone succesfully opened an account at XXXXXXXX XXXX using my information - I have a credit reporting service MyIDcare who alerted me to the new inquiry. XXXX XXXX was helpful when I called and promptly closed the account, however, I feel credit cards are too easily obtained with minimal validation/verification of the requesting party. There should be stricter measures in place ( Biometric ID Authentication )

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am disputing a charge placed on my card from XXXX XXXX for XXXX on XXXX for two insurance umpire fees of XXXX for myself and the XXXX side the piublic adjuster XXXX stated he sent a refund on XX/XX/XXXX thru XXXX never seen this yet. I did email wells fargo with this email that to this day i still have not received the refund they refused to speak to my XXXX XXXX XXXX and power of attorney

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 2021-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experians dispute system and upload system are both non functional today. 
experian is displaying a lone XXXX XXXXXXXX account that no longer belongs to or is reported upon XXXX XXXXXXXX and this account must be immediately deleted.a letter from XXXX XXXXXXXX to me is attached here for experians edification or education or simply is the evidence required to immediately remove this account.

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 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
MBA LAW aka XXXX XXXX reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by from another junk debt collector whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, MBA LAW aka XXXX XXXX did not send me a written notice in regards to the alleged debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
I am showing 2 collection accounts on my XXXX  credit report with Conrad Credit Corporation and I would like to make know what these accounts are for. I sent a debt validation letter on XX/XX/2021 with no response. 

The accounts in question are : Account # XXXX, Balance {$8800.00} Account # XXXX, Balance {$8200.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: OH

Complaint narrative:
I thought this was resolved over a year ago. I am in the middle of trying to obtain a mortgage loan for a new house finding out that it was not. I have a letter from XXXX XXXX stating that they added some note to the credit report to advise that I was in a loan modification and was NEVER late and was Never 120 days behind. But the credit report still shows 120 + days late. I was told on numerous occasions that this was to be corrected, but it has not.

I call into their customer service line and wait for them to fill out another form and they will contact me when it gets thru their investigation yet again. I have sent copies of the payments I have the 1st complaint letter in your file that says that they have called me ( no ). I need this corrected asap and no I don't have another 30 days. I have included the letter that was sent to me again the other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was on forbearance till XXXX of XXXX  it ended on XX/XX/2021 I ask for extension but they denied, my loan provider is select portfolio servicing. they assign it to foreclosure

Company response to consumer: Closed with explanation