vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/2021 I noticed lots of errors listed on my Equifax credit report, so I called them about incorrect addresses listed along with credit inquiries I have no knowledge of. I spoke with someone at the company by the name of XXXX XXXX in the fraud department, she actually removed the inquiries from my credit report and gave me a confirmation number of XXXX. Equifax has yet to update the credit report nor mail me an updated copy after I have requested it several times. I honestly believe at this point they are just lying to there consumers to get them off there phone and continue to make money off them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Called Bank of America 2 times in last 2 weeks because bank texted me that my credit card had been approved. I did not apply for a credit card and told the bank not to issue the card. bank said they would not issue the card. this happened again a week later happened 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.

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 2021-06-08 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX2021. It's been over 40 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XXXX sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im 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 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no idea why these people ( Portfolio Recovery ) keep calling me. I have an excellent credit rating and am not in arrears with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I contacted Citizens One about refinancing my current mortgage. I was assigned to XXXX XXXX, the loan officer. I immediately submitted all documents as requested such as my taxes and financial statements and as Mr. XXXX said my documents were all satisfied and he will proceed with the refinancing. Nonetheless, it is now XX/XX/XXXX. I still don't have a closing date. I followed up with Mr. XXXX frequently and time after time he said it is in the working progress. Each time I contacted Mr. XXXX he stated that because of the pandemic, the paper work takes extra time. I had already paid for my appraisal back in XX/XX/XXXX and authorized second credit check. Still, no progress. In XX/XX/XXXX, I contacted XXXX XXXX, XXXX 's supervisor, to express my concern and frustration about the delay progress and I am running out of patience. He told me I have to wait like everyone else and again he blamed it on the pandemic. I contacted him numerous time later to check on the progress, he never return any of my calls. It is almost a year and my loan hasn't moved any further and the officer is ignoring me. I am an XXXX woman. My husband and I own a XXXX XXXX. We are struggling with the pandemic and therefore trying to refinance our mortgage to take some cash out to survive. With all the treatments XXXX and his superior, XXXX, are giving us fit the XXXX profiling. We work just as hard and the pandemic put us in great debt. Citizens One is also my current mortgage lender and we have never had even one late payment. The only reason we contacted them again because we want to stay with the same company. Is this how Citizens One treat their life long good customers? We are not the cause for the pandemic. And i do have all the text and email to prove that I was trying to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: NJ

Complaint narrative:
I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX Experian and XXXX have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX, Experian and XXXX have all my the fair credit reporting act. I want all items deleted.

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 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
My monthly loan payment was made on time via XXXX XXXX automatic electronic bill pay. See attached proof of payment. Payment was then returned by LoanDepot with absolutely no explanation. Customer service was completely useless and routed my calls to a collection department who were unable to answer any questions as to why my payment was returned. Late fees were assessed as well as false credit reporting for non-payment. Customer service was contacted multiple times and were completely useless, unable to provide any information as to why my payment was returned, wasting a few hours of my time over multiple attempts to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion previously to dispute an inaccurate address on my credit report. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Transunion is reporting an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never resided at this location and believe the apt number were just transposed.

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Target chose to ignore that on XX/XX/XXXX I paid the balance in full of {$98.00} in their XXXX, MD store on account # XXXX. Most of this bill was for their late fee on a previous minor bill. It did not seem to matter when I sent the payment in, it always cleared after their late fee was applied. So I elected to pay in person and stop payment on the check that was still in transit on XX/XX/XXXX. I requested that the Target account be closed since it was now a XXXX  balance. 

I was shocked when I got a bill in XXXX claiming I bounced a check on a XXXX balance account and that they needed {$28.00}. I have written every collector they have hired in the last 2 year as they continued to add late fees and interest to a {$28.00} " Return Payment Fee '' which was a Stop Payment actually. They did not need to get paid twice and I could ill afford that after paying the bill in full in person! I recently found out that they have attempted to ruin my FICO by posting a {$300.00} debt on my credit report. So on XX/XX/XXXX I sent another letter after talking to their representative XXXX. My most recent effort to resolve this directly was XX/XX/XXXX. I faxed a letter with my receipt from XX/XX/XXXX to XXXX as requested by their representative. I have been sending letters since XX/XX/XXXX to them. 

I'd appreciate you acknowledging that Target is a predator in the marketplace and refuses to right a wrong that is as clear as the receipt I've kept so long the ink has started to disintegrate. Their representative helped me recreate the numbers to prove my point. I have had my FICO impaired and had 2 refinance loans slip away due in part to their predatory business practices. 

In my XX/XX/XXXX letter I offered to settle the matter but they sent me to another collection agency and started the statements and interest again adding to the {$300.00} debt. Collection agency XXXX XXXX, XXXX now wants {$300.00} as of its letter dated XXXX. 

Seeking relief from this injustice as a XXXX balance account becomes large enough to place judgement against my home in my twilight years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, LoanCare , LLC partially paid the property taxes that were due to the county. LoanCare , LLC did not pay {$54.00} of the amount that was due. I noticed the incorrect payment amount and notified LoanCare , LLC on XX/XX/XXXX, of the error, via their online message service. I provided them with the delinquent bill as well as explained the error. A generic ticket was automatically generated when the message was submitted. The ticket number is XXXX. Since the submission of the explanation and bill, I haven't heard anything from LoanCare , LLC. I received no letter within 5 business days stating they received the information ; as a matter of fact, I still have not received a letter from them acknowledging they received the information as outlined in 12 C.F.R. 1024.35. I called customer support on XX/XX/XXXX and XX/XX/XXXX at XXXX, and neither time was the customer support agent able to provide an update on its status. The 30 business days deadline is approaching, and I have not recieved any communication from LoanCare , LLC. 
I have opened 2 more tickets ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ), providing the same information. We'll see if I get a response from either of those, but I highly doubt it. Based on the reviews and complaints I've seen about LoanCare , LLC on XXXX and other review sites, this seems to be standard practice for them ; horrible ( possibly shady ) service.

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 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I was made aware of the ability to check my credit report weekly for free due to the pandemic. I noticed a debt collection on my credit report. I immediately contacted the company on file. After contact with the company, I did not receive a 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is in response to XXXX XXXX response letter documents regarding complaint XXXX sent on XX/XX/XXXX attached where XXXX  pretends that it does not understand the nature of the claim filed where I, XXXX XXXX asserted that 1. I do not owe this debt and do not know who XXXX XXXX is and have never done business with this company. 
2. Requested that XXXX XXXX validates the claim of debt owed. 

However, instead of addressing my above assertion and request of proof of debt owed, XXXX XXXX decided to offer communication sent to me in XXXX and XXXX which were deemed perpetration of fraud since I did not recognize the company by name nor did any business with them. Moreover, XXXX XXXX claims that they purchased the so called debt from XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX and never did any business with such company. I checked today on XXXX XXXX XXXX website, the company does not offer consumer finance and only offers business finance. Thus, XXXX XXXX XXXX could not have offered any consumer finance to XXXX XXXX since XXXX XXXX is an individual consumer. 

XXXX XXXX knows full well that as a debt buyer they claim they are, in order for them to validate a debt purchased from XXXX XXXX XXXX, they need to provide a. Proof of debt assignment from XXXX XXXX XXXX. This does not exist. 
b. The original written debt agreement between XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX 's signature for the debt claimed. This does not exists. 
c. 7 statements and payments made by XXXX XXXX to XXXX XXXX XXXX as required by law. They are none. 

Without presenting any of the above documents, XXXX XXXX claim of debt owed is not valid and must be deleted from my consumer record with TransUnion. It is an act of abusive conduct that XXXX XXXX can maliciously add a debt that they can not prove is owed by me, yet added it to my credit file with TransUnion several years ago and just learned about last month when I ordered and received a copy of my credit report from TransUnion to see what is in the report. 

The US is country of law and the Fair Debt Collection Act must be adhered. It is unethical conduct and unethical business practice for any creditor or debt buyer or collection agency to claim a debt is owed without any legal proof and the consumer and credit reporting agency should somehow trust their word because they say so. 

Creditors, Collection Agencies and Debt Buyers are known to be abusive in their practices and have hurt consumers with no impunity which is why so many laws have been put in the books to curtail the abuses.

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