vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.

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 2020-12-29 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: RI

Complaint narrative:
****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TX

Complaint narrative:
I have Experian Credit Monitoring service and while checking my credit report. I noticed several things wrong with my credit report. That cause a drop in my credit score done by Experian. One is that they have ne for 21 charge-offs no one company reports 21 charge-offs. You can only get one charge-off per grantor of credit. I also, paid off my XXXX XXXX XXXX about two years ago. So, XXXX XXXX is no longer reporting anymore on the account. I was told that it was reported late that is why my credit score dropped.

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 2020-12-29 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: NV

Complaint narrative:
I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, XXXX  and TransUnion would receive it. According to the tracking information provided by USPS.com XXXX ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and TransUnion ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.

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 2020-12-29 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: NV

Complaint narrative:
I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, Equifax and XXXX would receive it. According to the tracking information provided by USPS.com Equifax ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and XXXX  ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: LEXISNEXIS
State: AL

Complaint narrative:
I requested to have my credit report frozen to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
The Law firm of XXXX XXXX XXXX in Michigan, repeatedly violated the FDCPA in collecting my debt. I tried to get the paperwork on the debt and it wasn't until they had to because they filed in small claims court that I received it even after repeated requests over 3 years. Over the three years they constantly used stall tactics on me by stating they had to contact the creditor on any arrangements. However the court paperwork showed that was false/fraudulent or at very least misrepresented the ownership of the debt. The court papers, as well as the original creditor, showed they owed the account outright for the entire time. I have the emails and the court papers showing the above to be true and indisputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I talked to a rep from Transunion and I had a freeze on my reports someone let XXXX  XXXX  seen my files. My credit was reduced by {$750.00}. And now Transunion can locate my files. A freeze is to protect me from idenity theft andTransunion is requesting identications and A billing statement XXXX  asked for same thing and no response .Mail could be lost. its been a month.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By this message I would like to ask you to recheck the information in my profile. I figured out the accounts that I do not recognize. I would like to clarify unknown accounts that appeared in my credit report. I think I am a victim of Identity theft so please check it and remove the accounts from my profile. Also please check my personal information as I believe somebody used my information. 

Thank you for understanding Looking forward for changes

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 2020-12-29 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:
Re : CFPB Nos. XXXX and XXXX  XXXX XXXX Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by XXXX  on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). XXXX XXXX  response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I have recently refinanced my mortgage loan and the previous servicer was SWBC Mortgage. In this process, I have experienced two main issues related to payments and escrow accounts.

The previous loan was paid in full to SWBC Mortgage as of XX/XX/XXXX. In anticipation of the upcoming pay-off, I canceled the " automatic payment '' feature on the account on XX/XX/XXXX. The payment was still automatically withdrawn from my bank account at the beginning of XX/XX/XXXX, despite the loan being paid in full and the request to discontinue automatic payments. When the withdrawal was still pending with my bank, I called SWBC and asked them to intervene and I was told there was nothing they could do, and that the funds would be returned to me ASAP.

After several weeks ( on XX/XX/XXXX ), when I had not received the refund for the mistakenly drafted payment, I called SWBC and asked when I could expect to receive it. I was told that this payment refund would be coupled with the escrow account settlement and that I should receive it within 20 business days from the payoff date of the loan, which would be Monday, XX/XX/XXXX.

Well today is XX/XX/XXXX and I have still not received the escrow settlement or the refunded payment. And so I called again today ; and I was told that the payment would likely arrive next week sometime.

To summarize, my complaint is that a payment was erroneously withdrawn and the remediation has taken far too long, and the timeframe for the escrow account settlement has exceeded the required 20 day window.

Thank you, XXXX 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 2020-12-29 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: TX

Complaint narrative:
Please be advised this item of XXXX XXXX XXXX was deleted from my equifax credit file back XX/XX/XXXX due to fraudulent activity. 
Now i have discovered that this item has been reinserted on my credit report as of XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611? ( a ) ( 5 ) ( B ) ( ii ), Equifax is required to notify me of the reinsertion in writing within 5 business days. I received no such notification. I am demanding that Equifax delete this item immediately. This is a very serious violation of the FCRA. 
Your help is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Paypal credit. Synchrony bank closed my account in XX/XX/2020, I had disputed over XXXX  Dollars of unauthorized charges and they never responded nor removed them, and continue to charge interest on them, Ive called several times only to be put on hold and transferred to fraud team who never picked up and after 20-30 minutes kept hanging up or disconnecting call.

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 2020-12-29 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: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
I requested to have my credit report frozen to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I requested to have my credit report frozen to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Re : CFPB Nos. XXXX and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by Ally on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). ALLY 's response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Freedom Mortgage account # XXXX opened XX/XX/XXXX, highest balance {$420000.00}. The late payment occurred due to a third-party error. ( See Attached proof ) and my medical condition that its been really difficult, especially by XX/XX/XXXX.

On XX/XX/XXXX, I received a payment confirmation from this third party company stating that my payment was successfully submitted. Beginning XX/XX/XXXX, I received a letter from the third-party company stating that they committed an error and my payment did not go through. Before this, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

All this happened along with my medical condition. I had XXXX XXXX diagnosis and I was under treatment and I didnt have a job. It was overwhelming. This was a situation that I could not control. Now I have a perfect record of on- time payments. 
As a courtesy, I am requesting that Freedom Mortgage do a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration. See attached : Medical proof

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is showing an incorrect principal balance and over charging me on monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am disputing charges in the amount of {$71.00} charged to my XXXX credit card for the following reasons : In XX/XX/XXXX I purchased three ( 3 ) XXXX  gift cards w/ my XXXX credit card. I subsequently tried to use the gift cards at a local XXXX  store in XX/XX/XXXX, but was told that due to the fact that XXXX stores were going out of business, the cards would not be accepted for use by XXXX stores. I initially sent correspondence to Comenity Bank disputing these charges on XX/XX/XXXX. I am enclosing copies of this correspondence and gift cards along with customer receipts showing each of the balances totaling {$71.00}. I paid out the valid XXXX  credit card debt I owed to Comenity Bankd and disputed the gift cards I purchased totaling {$71.00} due to the fact that I was unable to use them. I have written the XXXX credit card company, namely, Comenity Bank, on multiple occasions advising of my dispute and requesting a chargeback on my account. I have also requested that Comenity Bank refrain from accessing me w/ late fees, penalties, interest, or damaging my credit without good cause and without notifying me in writing. I received correspondence from Comenity Bank on several occasions advising me that they were investigating my dispute. The last correspondence I received from Comenity Bank is dated XX/XX/XXXX advising they are handling everything related to my XXXX credit card account and advising they do not have detailed transaction information in reference to my purchase. I provided this information to Comenity Bank on several occasions and again on XX/XX/XXXX ( most recent ). On XX/XX/XXXX I received a telephone call from a representative of Comenity Bank advising that I was overdue on my XXXX credit card payment and that if it wasn't paid it would be placed in collections which could negatively affect my credit. I informed the Comenity representative that the amount she was referencing was in dispute. The representative responded that the dispute was resolved and that I needed to pay on the account immediately. I have never received any documentation from Comenity Bank informing me that the dispute was resolved and that if I didn't pay it my credit would be damaged. Shortly after this telephone call I receive a text message from Comenity Bank advising that I needed to call them regarding my XXXX credit card. I have tried to resolve this dispute w/ Comenity Bank over the last six ( 6 ) months and have never received any explanation ( whether oral or written ) from Comenity Bank as to why I would owe money for goods I purchased, but never received. I am requesting assistance from CFPB in resolving my dispute w/ Comenity Bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation