vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations

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 2020-10-19 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: FL

Complaint narrative:
the inquires listed in this complaint was not me i did not fill out these applications

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
the inquires listed in this complaint was not me i did not fill out these applications

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 2020-10-19 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: SG and Associates
State: TX

Complaint narrative:
I have wrote and disputed the same item by " SG & associates '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against XXXX XXXX. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, SG & associates, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. XXXX  refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a XXXX XXXX XXXX to XXXX XXXX on XX/XX/2020 and the money was taken from account. And then I recieved a message from XXXX XXXX saying they would not send it to her for my protection and that it will be refunded in 1-2 business days. The money was never put back. I then filed a dispute with the bank they said 90 days. My 90 days was up on XX/XX/2020 still nothing so I called the bank asking what happen the representative place me on hold and called the investigator department. Then came back to the line and said my money would be put back in the account in 24hrs. So it's monday XX/XX/2020 and still no refund. So I call back this morning and was placed on hold again for about 40 minutes and he said they are working on it while I'm on the phone he then came to the phone and said they denied the claim for XXXX for a XXXX. I said that is not what I'm dispute I did that one it is for XXXX XXXX. He then tells me no it's not it is for XXXX I'm telling him XXXX XXXX has I'd numbers for each transaction you do with them and that is a nother number not the same as XXXX as I will send proof. He tells me nothing he can do. So I call back and got someone else he says I won't see the transaction because it was deleted from my bank account history and says XXXX XXXX deleted. So I started how can they delete bbva history for account he said they can. Again I'm still saying the money was not put back. So I tell him where does it say XXXX XXXX refunded me he says it will not show anymore. At this point I'm frustrated it's covid going on and I need my XXXX $ I'm not working. I have all receipts to proof this I have waited for 90 days and I need this to be resolved. I ask to speak to a supervisor and was told I can't speak to one they have other obligations to do besides speaking to me. How rude I need this to be taken care of thank you. And also my overdraft does not work on the account they say do not know why. It wouldn't even overdraft for XXXX $ I get deposits and been having it for a while. And also I attached the receipt foe XXXX you can see that it is 2 different I'd numbers for both transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A charge off was re-inserted into my credit report after being deleted for several months. I did not receive no such notification. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for blatant disregard for the law.

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Requested that XXXX payment be split as follows : {$150.00} Payment and $ {$590.00} to Additional Principal, for a total check amount of {$750.00}. 
Instead they put {$150.00} to Payment, {$10.00} to Late Payment from earlier month, and {$540.00} to Escrow Only payment based on XXXX total check amount of {$700.00}. 
Then they reported my credit to XXXX  and XXXX. They, in turn, reported to XXXX XXXX. The reports show the following : XXXX  reported a balance INCREASE of {$1300.00}. on XX/XX/2020, and XXXX reported a balance DECREASE of {$1300.00}. on XX/XX/2020. THEY ARE NOT CORRECT!!! 
I have filed formal complaint with XXXX  and also just filed a formal complaint with the XXXX XXXX. Spoke on the phone to a Tier 2 agent at mortgage company and sent them a fax. They said it would take 20 days to reallocate money to correct category and that they will NOT send a confirming email or letter. 
Not the first error from XXXX  or from the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: DE

Complaint narrative:
I have 3 collections accounts being reported to my bureau : Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX I have asked numerous times for validation of debt and proof this is owed by me, as I believe it is an error. I have yet to receive any information- each time I dispute thru the bureau 's the debt is transferred to a different company with still no validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
OnXX/XX/2020 I received an email from PayPal that they have permanently limited my account, the email reads as follow : " Hello, XXXX XXXX After a recent review of your account activity, we've determined you are in violation of PayPal 's Acceptable Use Policy. As a result, we've permanently limited your account.

Please remove all references to PayPal from your website ( s ) and/or auction ( s ). This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart.

Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, any funds on your account are held for 180 days. After 180 days, if applicable, we'll contact you with information on how to withdraw any money in your PayPal account '' After not knowing of any wrongdoings I tried to contact them by phone the following days but was not giving any information on how I violated their policy, the only response from them was that its an irreversible decision.and there is nothing to do. so with nothing to do my only thing was to wait, I had over $ xxxx in the account and they wrote that they will let me withdraw the money
after 180 days, but lo and behold On XXXX XXXX they deducted the amount I had, to themself ( Writing in the Memo that its a

payment to PayPal for the damages caused by acceptable use policy violation ). this is unacceptable and inexcusable I need an explanation and they should deposit back the money into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I was looking to refinance my home. I entered my information of on a site that would give me options for a company to refinance my existing loan. Almost immediately I received a call from XXXX XXXX at AmeriSave Mortgage. I entered my information online and I spoke with XXXX on the phone. He promised me a rate around 3 % and conned me into paying a {$500.00} application fee. I paid the fee and XXXX was very difficult to get a hold of. I did call the company and left a message asking for my {$500.00} back, but I received no response. For the past few weeks, XXXX has been sending me almost daily automated emails asking for my homeowners insurance including a bill that show that I am paid in full and a statement with the replacement value. Each time I resend the information. The next day, I get the same automated email. I send the information again. No call, no explanation. I feel that XXXX tricked me in to paying the {$500.00} and I just want my money back. Thank you. XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: IL

Complaint narrative:
According to

the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Equifax is reporting inaccurate information with these accounts and not giving out proof of verification. XXXX/XXXX  XXXX   XXXX XXXX I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Equifax is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I purchased 1 car XXXX  for my son used with XXXX miles on it and then a year later I purchased another XXXX exactly the same except for the miles. The first XXXX I paid down more to have less financing the second one was fully financed. I was paying off the one car with my XXXX XXXX account monthly with out an account number. When the other car needed payments I oaid the same way no account number.  BMW was not using the payments toward the other car which caused a 120 late payment which then appered on my credit report. I am asking BMW financial services to remove the 120 late payments. The cars are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: AR

Complaint narrative:
On XX/XX/2020, I noticed my credit score drop over 100 points on TransUnion and XXXX. I saw A new account with a balance over XXXX from XXXX Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything

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 2020-10-19 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: AR

Complaint narrative:
On XX/XX/2020, I noticed my credit score drop over 100 points on XXXX and XXXX. I saw A new account with a balance over  XXXX from XXXX  XXXX. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its XXXX  but I thought this was spam and never returned any calls. I do not have any accounts with XXXX   and have not applied for anything

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations

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 2020-10-19 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:
filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I called their phone, but I didn't get any response. I tried to call several times. My card is not working, but I can't get a solution.I have been waiting, and my call is not connected manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: IL

Complaint narrative:
On XX/XX/2020 I filed a complaint with the CRA TransUnion XXXX   and XXXX. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law

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 2020-10-19 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: IL

Complaint narrative:
On XX/XX/2020 I filed a complaint with the CRA XXXX  XXXX   and Equifax. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I filed a complaint with the CRA XXXX  Experian and XXXX. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law

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 2020-10-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
This complaint is in reference to complaint XXXX, My initial complaint : I just learned on XXXX XXXX that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.

Navients response : The Fair Credit Reporting Act ( FCRA ) permits an existing creditor with an open account to obtain the consumers credit report for review or collection of the account. A collection agency working on behalf of the creditor is also permitted to obtain the consumers credit report. Thus, Navient and Navient XXXX as its service provider are both permitted to obtain your credit report for the purpose of collecting your outstanding debt. 

Your response describes a soft inquiry, I recognize requesting a soft copy for the purpose of collecting a dept is authorized, however Navient falsely reported that I consented to a credit check report which resulted in a hard copy request. This act has negatively impacted my credit and will remain on my credit report for two years. Navient Committed fraud and acted in an unethical manner when Navient conveyed that I provided them with consent in pulling this report. I never provided Navient with This act is illegal.

Company response to consumer: Closed with non-monetary relief