vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: NCB Management Services Inc.
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Direct Account Management
State: OH

Complaint narrative:
On XX/XX/2021 I was contacted by a third party company in hopes of a loan forgiveness program for my student loans. I was lead to believe this was a legitimate company that was going to help me with loan forgiveness. I was given documents to assume it was legitimate and give the amount of {$200.00} to be taken out of my bank account 5 months in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.

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 2021-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.

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 2021-05-05 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: IL

Complaint narrative:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. am requesting the disputed accounts be 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
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I always pay my loans on time and I also renewed my loans but fell behind payments and started getting harassing phone calls, visits to my house and threats, so I called up there the lady manager got loud and rude and started making threats to me about going to the court house she gave me until tomorrow to make a payment with a very loud rude voice Credit Central XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to DEPT OF ED/NAVIENT and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: WY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: World Omni Financial Corp.
State: GA

Complaint narrative:
I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I received a collections notice in the mail on XXXX XXXX. The date on the letter was XXXX XXXX. The letter stated that unless I asked for validation of the debt, they would assume the debt was valid. I sent a letter on XXXX XXXX asking for validation of the debt. On XXXX XXXX I called the collection agency and explained that the 30 days to get back to me was up and the collection needed to be removed. I spoke to XXXX with XXXX XXXX. He verified with me that he received my request for validation of the debt yet refused to remove the collection even though the legal time frame for validation had expired. I called again on XXXX XXXX to follow up about removing the collection and he refused to speak to me due to him being on speaker phone which he had no way of of knowing. He then disconnected the phone call. I called back and again he refused to speak to me stating that he was on speaker but what he really heard was children in the background. I asked to speak to a supervisor due to the unprofessional like conduct from all calls, he did not transfer me to a supervisor, he sent me to a voicemail. Not only did I want to complain about his behavior, I wanted to follow up on the removal of the collection. Since I was sent to voicemail, I never got an update. I would like this collection removed due to the debt never being validated with me. The time allotted by the Federal Fair Debt Collection Practices Act has now passed. According to that act, after XXXX days with no validation, the collection agency must cease collection efforts and remove negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a credit monitoring service ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) through my XXXX XXXX  Account. My credit score has been reported as over XXXX for over a year. My score in XXXX was listed as XXXX. In XXXX I paid off a truck loan to XXXX XXXX and as stated above my XXXX XXXX XXXX was XXXX. In XXXX I paid off a motorcycle and my score fell XXXX points from XXXX to XXXX. Also, Ive had no negative inputs ever to my report and the payoff of both the truck and motorcycle were listed as positive inputs to my report. 
I contacted XXXX XXXX and they told me that they could not reference my report and gave me the number to Experian. After talking to several people there, they did open my report and verified the information provided above, but told me they could not correct the score given, but could only remove incorrect information that is provided from the various companies. Therefore, since the information from the companies was correct they could not change the score. 
Please note that I did request to speak with an Experian Supervisor, but after waiting for some time was told that none were available. 
I feel like I have run into a brick wall in trying to correct this obvious mistake. 
I pride myself in keeping up with all aspects of my finances. 
Please let me know if there is any additional information you may need. 
Thank You in advance for helping me remedy this unfortunate situation. 
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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal limited my account for no reason and will not help me with getting it back up even if i tried to resolve this already. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Suntrust Bank debit card was scammed by XXXX XXXX merchant, XXXX payments for XXXX were taken from my account in a matter of minutes. I received the alert on my phone and immediately called Suntrust. 

The scammer from XXXX XXXX took {$1500.00} from my Debit card account. I had my card in my possession. 

Suntrust denied the fraud claim stating inconsistencies.

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 2021-05-05 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: American Coradius International LLC
State: IN

Complaint narrative:
The statement made by this company is a complete lie regarding sending requested documents to my attorney. I spoke to my attorney during the same time frame and they stated that they have yet to receive any documents from this company! They never sent the original documents via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. They also are reporting a charge off on my credit report in which theyve never sent me a 1099 tax form. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore if you have not validated the debt, you must request that all credit reporting agencies deleted the entry. If you fail to remove this entry this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXX credit and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.

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 2021-05-05 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXXXXXX XXXX and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX guideline violations of closed tradeline account ending in XXXX impacting credit/FICO score. 

Attachments include new complaint, my driver 's license confirming my identity and supporting documentation that highlights the missing tradeline information in violation as per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance
State: SC

Complaint narrative:
Last year a company contacted me via a non-ring voicemail. This company posed as XXXX XXXX XXXX over the phone, so I called back. He later said/sent email after I gave him my social that he worked for XXXX or ( Student Loan Financial Association. ) I followed the directions to cancel this contract, but they included a bogus address and my paperwork was sent back to me. I froze my credit and reported them to the US Department of Education, my bank, XXXX and my loan provider. I have blocked them from harassing me and just received another call today from a XXXX Voice number based in XXXX, SC. I keep all the voicemails. Im so sick of them. DO NOT under any circumstance give information to anyone who is posing as XXXX. Contact XXXX directly by phone or email to verify that they are actually trying to get in touch with you or have a desire to help you. XXXX and XXXX warn against using companies like this on their homepage. Never share your social security, bank information or address over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My husband and I are currently on unemployment ; it is our only source of income. I withdrew {$1400.00} from both of our unemployment debit cards around XXXX on XX/XX/2021, at our local Bank of America branch, located at XXXX XXXX XXXX XXXX in XXXX, AZ. When I attempted to deposit that amount into our joint checking account, the ATM took our money, didn't deposit it, and gave us a slip with a number to call. 

I called Bank of America, after going to the branch and being directed to call that same day. Upon calling, they said they would credit our account within 48 hours. Again, this is our only source of income for our family of 4, with two small children under 4. I said this was unacceptable, we need this money to survive, your ATM took our money, put the money in our account immediately. They said they " escalated '' the matter, and that a manager would call back within 10 minutes. It's currently XXXX on the XXXX of XXXX, 2021, and no call has occurred nor money credited to our account. 

I've come back to this on XXXX of XXXX, around XXXX local time in XXXX and our account has yet to be credited. I called again, and Bank of America is now saying that we need to wait TEN MORE DAYS for them to conduct an " investigation '' to prove that they stole our money. They also " denied '' our attempt to escalate our claim. Again, this is the money we need to feed and clothe our children. We CAN NOT wait 10 days to have our money back. We're desperate.

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 2021-05-05 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: UT

Complaint narrative:
Comenity Bank is reporting erroneous lates on my credit file. These lates are from XX/XX/XXXX and XX/XX/XXXX. This account was closed and paid back in XXXX ... I don't understand where these lates are coming from. These lates have damaged my credit severely and i need them removed.

Company response to consumer: Closed with non-monetary relief