vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-06-14 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

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 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi - I have several synchrony bank loans that I acquired to purchase furniture. However making my monthly payments is difficult because their phone system always has complications finding my account, when I go online it says I have to call because I have several accounts. When I call and the automated system doe snot find my account and I talk to their representative sometimes I am told I only have 2 accounts, sometimes they tell me I have 3 and sometimes that I have 4. 
I have the money to make my monthly payments. All I want is information from Synchrony Bank on what are the account numbers I have with them, how much I owe in each and what is my monthly payment and due date. FOR ALL MY ACCOUNTS. 
I am trying to pay my debt off, and this company seems to systematically make it hard for me to do so. They call me every day to my cell phone and when I answer they hang up or no one in there, I say hello multiple times and no one answers. 
PLease help me pay my debt. 

Thanks.

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 2020-06-14 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: MA

Complaint narrative:
After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.

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 2020-06-14 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: MA

Complaint narrative:
After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
On XXXX MoneyLion attempted to draft {$42.00} and some change for a Credit builder loan. When the pandemic hit due to the Covid-19 and the banks changed there operation hours I got an email from MoneyLion asking to update payment due to insufficient charges so I did. And they took {$19.00} out of the updated account on XX/XX/2020 and on XXXX XXXX they took {$42.00} and some change. So, on XXXX XXXX I get a credit alert sayin that MoneyLion reported 30 late on my account. I dont understand how and why when I updated my bank account immediately!!! And you took two charges out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Account XXXX XXXX is showing in my XXXX report as it is a recent charge off, lowering my score as if I have missed payments on it as recently as a few months ago. 

However this account was actually closed on XX/XX/2014. Theres is no activity on it for years. It is settled and paid a long, long time ago. 

If anything, this account shouldnt be on my report anymore at all, but certainly not displaying as if I have recent missed payments or negative activity. 

The other two credit bureaus dont have this issue, only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX which does not validated a copy of bill does not substantiate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I  DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I made a cash for keys settlement with the bank of Albuquerque through there attorney, me and a state anointed foreclosure prevention guide. This settlement was completed inXX/XX/XXXX. I have repeatedly tried to endure this information was processed at bank of Albuquerque and their attorneys office yet since XXXX of XXXX Im still being penalized in my credit report as owing a debt which I do not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I need your help to stop this deceptive practice and fraud from Office Depot, I had request to cancelled the service but the charged continually to add on to my account in my name. 
I paid my bill in timely manner and pay as agreed. For the service to start I must pay in advantage otherwise the service will not be provided. When I request for cancellation the charge should be stop, and not giving accused for back pay for fraud profits. I called and spoke to XXXX on XX/XX/2020, XXXX she insisted that I still owned Office Depot back in XXXX & XX/XX/2020. ( see attachment ) Office Depot continue to send me monthly bill with late charged and interest that I didnt owned. Please help me stop this deceptive practice and fraud that continue on, and on. 
I need your help, this type of fraud for profits must be stop, I am looking forward to hearing from you and thank you for your help and understanding. 
Sincerely,

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 monetary relief
Consumer complaint received 2020-06-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: NV

Complaint narrative:
If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.

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 2020-06-14 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: NV

Complaint narrative:
I have disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. XXXX XXXX XXXX continues to verify information that is flat out wrong and enough is enough. And Transunion continues to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.

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 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I receive collection notice from LVNV FUNDING LLC in which i have never done business the original creditors is listed has XXXX XXXX XXXX   which i have never done business has well i receive a letter from lvnv funding llc with copy of bill from XXXX XXXX XXXX which does not validated a copy of bill does not substantiate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX which does not validated a copy of bill does not substantiate deb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate deb

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX  XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Card, headquartered XXXX XXXX XXXX XXXX, XXXX, IL XXXX operates in interstate commerce as a debt collector for merchants within interstate commerce, and as such Discover Card/XXXX XXXX CEO fail to comply with the provisions of Fair Debt Collection Practices Act, 15 USC # 1692 -- 1692p. Discover Card does not comply with sections 808 & 809, Discover Card financial relation/ in essence conspiring with merchant XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX involving unauthorized charges of {$50.00} mo. XX/XX/2020 and following. DiscoverCard is similarly involved with other merchants and is not an unbiased third party regarding merchant debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: LA

Complaint narrative:
XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: LA

Complaint narrative:
XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-06-14 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In 2017 my husband and I applied for a mortgage with Huntington Bank. At the time we had no children, and stated such on at least two areas of our loan application. We were contacted by the bank and told that we must submit in writing that we do not have any children via a statement. We believed there must have been a mistake and contacted the bank in regards to this. We were told that there must be something in our application that would give the lender the impression that we did have children. This was impossible neither of us had any children and therefore no child related expenses. In discussion with colleagues over the last several years none of them were required to submit formal statements related to children on top of what was stated in their applications. We are concerned that this decision was made because we were XXXX American applicants. We asked for clarification, but were told this statement would be required to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On or about XX/XX/2020, Navy Federal Credit Union initiated a debit into my checking account in the amount of {$1700.00}. This debit was due to an Unauthorized Debit dispute denied by them. This dispute was denied in error. 

On or about XX/XX/2020, a company named XXXX initiated an unauthorized debit into my account in the amount of {$950.00}. Then, on XX/XX/2020, the same company initiated a debit in the amount of {$780.00}. These debits were unauthorized. XXXX had no authorization to debit my account. 

I submitted a dispute with Navy Federal Credit Union for both transactions, and a credit was placed in my account for a total of {$1700.00} at that time. 

When I inquired as to why Navy Federal Credit Union waited over 60 days to take the money back out of my account, I was told because my dispute were submitted untimely. I was told that since my account was a sole proprietor business account, I only had four hours to lodge an unauthorized debit dispute into my account. However, I had submitted timely requests to them upon finding out these debits were made out of my account. These disputes should not have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief