vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: NY

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, XXXX  and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by 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
Consumer complaint received 2020-09-28 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: NY

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, Equifax and XXXX  that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RENT DEBT AUTOMATED IS VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT BY CONTINUING TO REPORT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT THEY ARE TARNISHING MY GOOD NAME AND AFFECTING MY CREDIT WORTHINESS OVER AN ACCOUNT THEY HAVE NO RIGHTFUL USE TO AND THAT IS THE RESULT OF IDENTITY THEFT. IF THEY DO NOT REMOVE THIS ACCOUNT I WILL HAVE TO ESCALATE THE MATTER FURTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: AES/PHEAA
State: MA

Complaint narrative:
Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After successfully freezing my credit on XXXX  and XXXX, on XX/XX/2020 tried to create a MyEquifax account to get a credit report and freeze my credit. There was a computer problem when it came time to verify my account via email. I then had to call and in trying to complete the process was asked 4 questions supposedly from my credit report to verify my identity. None of the questions were relevant and the process was terminated. I called to find the next step and was directed to mail a letter of request and some ID to complete verification which I did on XX/XX/XXXX. XX/XX/XXXX I tried again to freeze my credit by phone and was again prompted to answer 4 questions. Again NONE of the questions were relevant and the process was terminated. I talked to an agent and they claimed that they did not receive my mail though it was sent to Equifax Attn : Security freeze dept XXXX XXXX XXXX XXXX GA XXXX They said I would have to send the information again. I asked what happened to the PERSONAL INFORMATION that was already mailed to them. They had assured me that when I sent it, it would be destroyed after verification. Now it has been lost, stolen, whatever and they have no responsibility in this process. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
My mortgage company, Citizens One Home Loans, is erroneously trying to collect late fees and have refused to remove them from my account. I have emailed, faxed, and sent certified letters explaining the amounts but the last response from them states " they are not in error ''. 

In XX/XX/XXXX, I entered into a repayment plan with Citizens One for three month arrearage due to an unemployment situation. The repayment plan amount included late fees for the previous months. I understood no late fees were to accrue once you were on a repayment plan. I did not fail to make the payments as agreed and, in fact, repaid the arrearage early, which included the late fees. The Repayment Plan was XX/XX/XXXX through XX/XX/XXXX but was paid in full in XX/XX/XXXX. The latest letter states they charged a late fee of {$53.00} from XXXX through XXXX ( while I was in a repayment agreement ) which would be {$260.00} however they have a charge of {$530.00}. 

Further, Citizens One, has incorrectly reported my 'past due ' as 3 over '120 ' to my credit report which is also incorrect. Part of this is also due to mishandling the sale of my FHA loan while I was already in the process of requesting loss mitigation assistance with previous company. I was 2 months behind when my first mortgager sold my loan to Citizens One which caused delays in paperwork ( or extended the time to process ). 

I have clear documentation on this issue and do not understand why they fail to properly adjust my records. The latest letter from Citizens One states that " the fees charged to the loan were a result of payments satisfied AFTER the grace period '' which is the XXXX of each month. Documents showing my payment transactions are provided along with other evidence and NONE were made after the grace period. 

I was clearly told there would be NO late fees accrued after I entered into a Repayment Plan. Nevertheless, even if they do charge late fees it is still invalid because I have already paid it as shown in my attached letters to them. It seems to me they are throwing anything they can just to see if it sticks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On the XXXX XX/XX/XXXX We purchased a flight ticket on XXXX for XXXX EUR  ( XXXX $ ). 
Later tickets were cancelled ( XXXX XXXX stopped operating its service ), merchant acknowledged it and we did no received service that we paid for. Months later we were provided a voucher for future service. We don't have any future intentions for travel with my family and we are not going to use this voucher within 12 months. My family spent extra XXXX $ for purchasing tickets from XXXX to get to final destination because XXXX could not provide customer service or voucher in time. 
We filed dispute with capital one credit card, but we were credited back, decision was based because voucher was provided from the merchant. 
We would like to get our money back because service was not provided in time as it was promised when we paid for tickets

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: PA

Complaint narrative:
LJ Ross and associates. Calling and hanging up on me multiple times per week. I do not have any debt that I am aware of. They won't stop calling. They keep calling and hanging up so I can't speak to anyone to ask them to stop calling. My credit rating is over 800 and I do not have any debt for them to collect. I don't know what their problem is as they won't let me know why they keep calling since nobody is ever there to speak to. I've had enough of these people and I know my rights. They are to stop calling me immediately or this will be harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: MA

Complaint narrative:
Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

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 2020-09-28 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: MA

Complaint narrative:
Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: MA

Complaint narrative:
Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

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 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I just realized that Medicredit sent a misrepresentation to validate a debt not due. They attached another patients consent form to an old bill. They used someone elses consent information to try to validate a debt. I contacted Medicredit and they confirmed that XXXX  sent them duplicates of this debt. I confirmed with XXXX XXXX and made the final {$25.00} payment and they confirmed I have a XXXX  balance. 
I have attached the debt that Medicredit sent for validity which is incorrect because its not my consent. If this is the consent, then this debt belongs to someone else because i am not the person listed on the consent that Medicredit provided.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: AR

Complaint narrative:
applied for unemployment on XXXX but never received us bank reliacard in the mail .I have called multiple times & told my card is on the way. 1st call I was told to wait to see if they get the card returned by mail to call back 7 to 10 days. 2nd time told address was updated & they will send new card. 3rd time address was never updated & card was never sent was told to call back in 5 days to verify my address. 4th time i called to find out a replacement card still has not been sent. been told 3 times a new card will be issued & sent out to find out that it was not ever sent at all.

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 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
was not aware of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hi TDRC/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation