vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This account does not belong to me. Please have them removed from the 3 credit reporting agencies Please see bellow th elist of accounts : Identity Theft WELLS FARGO Account Number : XXXX This is not mine.

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 2021-06-01 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: NJ

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: FL

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. XXXX 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
On Tuesday the XXXX of XXXX I received my monthly income via direct deposit. I paid a few bills that I can pay online. At around XXXX I tried to order some stuff for delivery from a local grocery store and was alerted that something was wrong with my card. I went over to my bank account and over half of my income was gone via 3 transactions that I had nothing to do with. There was a charge for XXXX dollars at XXXX. One for XXXX dollars at XXXX and then a final one for XXXX at XXXX. I immediately contacted Current XXXX my now former bank ) to file a dispute and figure out what happened. A few hours later I got an email from them saying they closed the account that stole the money ( it was an account to account transfer thing ) and found XXXX in the account that was immediately being sent to my account. I reached out to customer service again to ask if the dispute was still active or if they were only giving me XXXX when I had XXXX stolen. They said the dispute was closed and that I needed to appeal the decision. So I did. They responded with the following in an email to me ( names have been shortened to first initial for privacy ) : W ( Current ) XX/XX/2021, XXXX XXXX EDT Hi A, Thank you for the follow-up. 

Based on the facts of the investigation, weve concluded that no error occurred. 

Per the investigation : We would never reach out for 2FA or login credentials.

While we understand this may be frustrating, unfortunately, the outcome of the investigation is final. Please note we take our dispute claims very seriously and investigate them to the fullest extent possible. We apologize if the result of the investigation was not in your favor. Let us know if we can assist with any additional questions or concerns you may have.

The Current Disputes Team I never gave out a 2fa code. I know better. Also this was almost devastating, not frustrating as the person in the email put it. I was able to borrow money from friends so I can pay the rest of my bills and my rent. So Im stuck here XXXX in the hole because someone hacked into my account and transferred my money to someone else. I have filed a police complaint and sent current a follow up to the email I posted above. Ive also reached out on XXXX and gotten no where. Please help. Im a single mom and both my daughter and I are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I MADE THE MISTAKE OF HIRING HOME DEPOT TO REFACE MY KITCHEN CABINETS IN XX/XX/XXXX. THE WORK TOOK PLACE IN XX/XX/XXXX AND I HAVE BEEN TRYING TO GET BACK THE MONEY I'M OWED SINCE XX/XX/XXXX. I ALSO SENT A DEMAND LETTER TO XXXX XXXX XXXX SINCE THAT WAS THE OFFICE BUSINESS CARD I GOT FROM XXXX XXXX AND XXXX XXXX XXXX WHO EVEN CAME TO MY HOUSE IN XX/XX/XXXX AND DESPITE TELLING ME HE WAS GOING TO MAKE IT RIGHT, I NEVER HEARD FROM HIM AGAIN ). I SENT AN EMAIL ASKING WHY NO ONE HAD RESPONDED TO MY DEMAND LETTER, BUT THAT EMAIL WAS ALSO IGNORED. CUSTOMER SERVICE SUCKS AND I WANT THE MONEY BACK HOME DEPOT STOLE FROM ME RETURNED IMMEDIATELY!!!! CHARGING ME FOR SERVICES AND EQUIPMENT NOT PROVIDED IS 100 % ILLEGAL!!!!

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 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: snapfi, inc.
State: CA

Complaint narrative:
After signing all our loan docs on XXXX/XXXX/21 and the loan was " funded '' the loan agent texted me onXX/XX/2021that we needed to bring in another {$4500.00} into escrow or they were going to resend the loan. They explained that it was due to the down payment assistance program XXXX not being the amount they had told me. It feels like a bait and switch situation has occured. We were completely mis-lead. The lender knew we had the funds as it was one of the requirements of the down payment assistance program we they qualified us for. The loan agent was XXXX XXXX CA License # XXXX XXXX XXXX and the lender was Snapfi , IncXXXX NMLS # XXXX. We did take the money in as we felt we should go ahead and close on the house considering how difficult it was to actually buy in this market and try to get our money back after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor LexisNexis doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with LexisNexis when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. LexisNexis furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed chapter XXXX Bankruptcy on XXXX, XXXX 2021 my bankruptcy was discharged with a XXXX balance. In my Bankruptcy these creditors were added. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I've notified all three credit bureaus. All accounts where discharged with XXXX balance owed. However, Experian is still showing all the accounts as, negative with past due payment history. According to the FCRA DEBT that is discharged in Bankruptcy should show XXXX balance, discharged in Bankruptcy. If anything else appears on the tradeline especially if it is derogatory information, then that violates FCRA. FCRA mandates that that I disputes this with the credit reporting agency as, they are not accurately reporting. I have disputed this directly with Experian, and they have not corrected the issue they have made the issue worse by putting a statement in each severally account stating those accounts were terminated, when they were not. The accounts above are all reporting negatively on my credit report such as, late payments balances. Its hard enough having to fil bankruptcy due to covid-19, that has caused a XXXX XXXX XXXX XXXX. But to not report correctly has caused me not not be able to get some treatment because lenders are looking at past due payments, and balances which should have been gone through bankruptcy.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account should be deleted but still appears on the credit. It has been 7years however it is still there.

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 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent a validation letter to Nation Credit Systems They did not respond back at all They are in validation could nor validate or send anything then i sent a 2nd letter to let them know and got nothing i have prof that they got the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I believe that this will cause me some inconveniences in my futures credit transaction, I would like this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
XXXX stopped my automatic payment for some reason. I noticed in XXXX that XXXX had not been paid. So I mad a double payment ( XXXX XXXX ) plus {$400.00}. For a total of XXXX I checked on XX/XX/XXXX and the website showed I was delinquent for XXXX. I called and was told by XXXX the funds were in suspense and it would take about 4 days to allocate the funds. On XX/XX/XXXX, it still showed I was delinquent for XXXX. I called and an XXXX said it would take a few days. I emailed XX/XX/XXXX and recapped what had happen and that I was going to call my attorney if it was corrected by XX/XX/XXXX. My attorney instructed me to file with you. Attached is the email that I sent my attorney for his records.

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 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.

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 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2016 I was reported to XXXX and XXXX XXXX for " Checking Account Fraud '', Bank of America. At the time I was reported, it was stated that I owed Bank of American money. Both statements/allegations were false. I have asked them investigate the matter and tell me how I committed fraud, but they will not provide the proof. The only thing that was changed, is Bank of America reported that I did NOT owe them any money. I don't care that Bank of America will not allow me to bank with them, but I believe reporting that I committed fraud was discriminatory, especially when BANK OF AMERICAN did not suffer any losses. Did I make a mistake - yes, but I did not commit fraud. There was no court of law that determined I was committing fraud.

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 2021-06-01 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: TX

Complaint narrative:
I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.

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 2021-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Porfolio Recovery Associates LLC, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: MD

Complaint narrative:
Equifax has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc.
State: MO

Complaint narrative:
I have a PACE assessment in which I entered into an agreement with the HERO program ( through Renovate America ) to fund the installation of solar panels at my home, the debt would be paid over 5 years as a property tax assessment, and the loan documents clearly stated that there is no prepayment penalty. The debt is currently being serviced by XXXX ( XXXX ) and I am unable to move forward with paying off the loan until I pay a {$50.00} fee to the company to generate the payoff amount. I inquired about it and they claim it is a 'document generation fee ' but if there is any fee that is required to be paid in order to pay off the loan, it is a prepayment penalty. Nowhere in the loan agreement does it mention any additional fees outside of the specific ones disclosed and rolled into the principal amount. I shared that information with XXXX, that they were in violation of the terms of the loan agreement, and asked them to waive the fee, and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TX

Complaint narrative:
I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.

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