vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several issues with Equifax. First and foremost, they refuse to remove something because they claimed that they " investigated '' it. When they failed to remove it from my credit bureau, I called them to offer clear and irrefutable proof that the collection was an error made by XXXX XXXX XXXX. A Sr. Executive from the office of the president of XXXX XXXX XXXX wrote a detailed letter so that I could possibly get faster results by disputing this matter with the credit repositories directly. On Thursday, XX/XX/2020 I spoke directly with an agent on the phone. When I explained that I did not like the results of their investigation, I offered the letter to support why her " investigation '' was incorrect. She said she was not interested in the letter from XXXX XXXX XXXX and that their determination stands. XXXX and XXXX both removed this from my credit file within hours of having that. Equifax, in refusing to remove or even look at my documentation corroborating the error caused me to get a loan declined for refinancing my vehicle. The loss of funding for that loan forced me to take a much higher rate at another institution. One that pulled a different bureau. In the meantime, the same error has been made with XXXX. I have submitted documentation to Equifax that shows my account was credited and that it has already been removed from my XXXX   credit file. It was not " paid in full '', it was a credit with an apology on a " crediting error '' and have that in writing from the XXXX rep to support this as well. Leaving this on my file at only one repository, Equifax, is ridiculous. 

Additionally, I have provided my driver 's license 3 times so that they could get my name and address correct. This has yet to be corrected. I have NO suffix. Being that my father and I share a middle and last name, they have apparently commingled our names/addresses along with my father 's suffix of Jr. Is my father 's credit being compromised by this? One could almost construe this as identity theft ... removing my actual name makes things look suspicious with lenders. 

If Equifax is not capable of fixing things in a timely manner, how can they be charged with the handling of personal information that is imperative to consumers to do business? They already have issues with keeping our information secure, why are they still allowed to be in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: TN

Complaint narrative:
Experian reported an at fault accident to XXXX XXXX. And that made my car insurance go up, and now I have 4 points on my XXXX. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call XXXX XXXX they are telling me that they cant do anything about it because Experian reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.

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 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am struggling to take care of my family of XXXX I am only the one in the family economically active. working 40 housr a wek and still make around XXXX or less monthly I have a mortage loan of $ XXXX/month and an auto loan of $ XXXX/month. I have a XXXX XXXX who needs adult ' attention 24/7. also due to this pendemic my spouse looses her job. my financial agency suspended my loan pyment for a period of 6 ( 3+3 ) months which will be resumed in XX/XX/2020. but still I am financially not ready to come back in track. what could be my best possible choice to go ahead? 
Thank you in advance for your kind and constructive suggestion to comeout of his financial hardship. Hoping to hear back soon thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently submitted a dispute with Experian concerning a public record on my credit report. I was instructed to contact XXXX regarding the issue. XXXX was named as the vendor that verified the public record. I have submitted supporting documents to Experian from XXXX stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the Experian must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked Experian in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to Experian on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN 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 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: IL

Complaint narrative:
This company is trying to collect an invalid debt to begin wit, also when she called me, she gave a brief statement about attempt to collect the debt and followed with you have {$5000.00} medical bill, would you like to pay that tonight? She did not verify my identity or anything to ensure I was me. She definite failed proper authentication and verification procedures. I told her the debt was not valid as I have told this company before and I am in process of disputing their removal from my credit report. Also the 2 accounts I have for them on my credit bureau are for {$0.00} and {$130.00}, not over {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : First off, this is not a company or agency writing this. This complaint is being submitted by XXXX XXXX XXXX. I am submitting a complaint against Amsher Collection Services , Inc . I disputed a letter that I received in the mail from them about a debt that I do not owe. I asked for verification of the debt. They did not send anything but another letter stating that they have verified it with the original debtor. They have not submitted written proof that I requested showing that this debt belongs to me, which it doesn't. I am not appreciative of them trying to collect a debt that doesn't belong to me. I am also requesting that they cease and desist all phone calls to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my 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 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management recently filed an case against me. They failed to provide debt verification info pertaining to debt owed and or amount. I have no relationship with midland or valid contract. They are sending mail luckily Ive retrieved from an old address I havent lived at in 2 years. They have violated debt verification letter failing to meet 30 day mark by pursuing attempt to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This car was totalled by another liable party XX/XX/20. 

My insurance sent them they pay off check XX/XX/20, we have a tracking number, person signed for and they still havent posted the check to my account! 

Theyve delayed my payments, but are charging me internet for their un acceptable business practices!! Three months??? To cash a check?

I cant close the loan until they post the payment. I am livid!

I HAVE CALLED SO MANY TIMES AND HAVE BEEN PUSHED  AROUND. - finally someone offered to open up a payment investigation. 

10 days later no update, no calls, nothing. 

Its comical how when financing companies need their money they will send people to collections. Well where do the responsible loanees get to hold the financial loan companies Accountable?

This cant be a one way street. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: AZ

Complaint narrative:
On multiple separate occasions, I have sent documentation and notification to Trans Union advising that information that is displayed on my personal credit profile is inaccurate and multiple items are fraud/identity theft items. 

I have attached a copy of the letter sent to Trans Union confirming to the credit reporting agency details regarding the discrepancies listed on my personal credit report. 

I have also, recently forwarded a copy of my police report detailing the identity theft items for their reference. 

It is costing me certified postage charges each time that I send a document/dispute request to Trans Union as this is the only way that I can verify that they are receiving my disputes and to prevent mail tagging from occurring. In my dispute letters, I am enclosing a copy of my valid photo ID along with a current bill to verify that it is me that is making the requests. 

Although I am following the proper protocol, I am getting absolutely no where in resolution with Trans Union, the only response that XXXX continue to receive is that somehow they are verifying the information to belong to me, but my requests to show proof is going ignored which confirms that the correct verification process is not being followed, because if it was, they would have known that the items do not belong to me and that I am a victim of identity theft and the accounts are fraudulent.

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My spiel ( thank you in advance ) : On XX/XX/2020, I signed up for a Banana Republic credit card. I am very cautious with my credit score and always ask about hard checks. I consented to a hard credit check  with PayPal Credit as they have a financing feature I can use at any store, anywhere. I plan to use this for furniture for my first apartment. I definitely did not consent to a hard check at Banana Republic, and was misinformed by the store salesman there. I worked a few different retail jobs, and I know how much there is to remember. I can definitely see the salesman not knowing or forgetting that the credit card was a hard check ( I asked ). I'm not sure that's something all managers would even tell their employees unless they asked. But I know I would not approve of a hard check for a store card that I've used only once. I don't have my car with me right now and so I ca n't drive to that mall, I have to take the train. 
Thank you for reading and any help you can offer.

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 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I tried to contact the company several times only to find 30-40 min hold wait times. I requested a scheduled callback when a rep was available and that I would not lose my place in line yet never received a callback.  My complaint is because for the statements of XXXX and XXXX I saw a charge for {$25.00} payoff quote. I never authorized the fees to be charged I never requested a payoff statement. I tried to use their IM chat and they stated that XXXX XXXX  had requested a payoff and that's what the fee was charged. I advised them that I while I gave authorization for XXXX to receive payoff information I never authorized the fee to be charged to my account. They told their was nothing they could do since the load has been paid off. I asked for a refund and they refused. This is a predatory practice and want the {$50.00} in fees refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent a letter to Convergent Outsourcing asking for verification of this debt on XX/XX/2020 and have not received a response from them, I have lived at my current address for over 6 years and have never had XXXX services ever, I can provide my monthly statements showing my cable and internet services have been with XXXX for the entire 6 years. I would like to see some proof such as a contract, drivers license, or signature for the account in question.

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 2020-09-24 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: CA

Complaint narrative:
I have disputed over and over the account listed under XXXX preffer it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked experian, XXXX, and XXXX to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.

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 2020-09-24 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 been in active communication with Experian Credit Reporting Agency via US Postal Service via certified mail. 

I have spent countless dollars in an attempt to get inaccurate/invalid information permanently removed from my personal credit profile. In order to be proficient in getting this ongoing issue resolved, I send my dispute requests along with a valid current photo ID and a current bill via Certified US mail as to not delay the process or my request and to prevent mail tagging back and fourth from happening with the credit reporting agency. 

In my latest communication with Experian, in an attempt to finally have this issue resolved, I am providing a copy of the identity theft letter that I sent to Experian, along with a valid photo ID and current bill and the actual Police Report to this correspondence from them to reference and remove the items that are fraudulently displayed on my personal credit 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 non-monetary relief
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
I have disputed over and over the account listed under XXXX  XXXX it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked XXXX XXXX, and equifax to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. SXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my 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