vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had an account with bank of America and they are reporting to XXXX in accurate information account activity that is closed. which is still on the report and needs to be removed.

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 2018-10-31 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: DC

Complaint narrative:
I have previously sent my FTC Identity Theft Report to Equifax on XX/XX/2018 to block a fraudulent account reporting on my credit file. Equifax outright refused to block the fraudulent account stating that their company policy is to violate US Federal Law by opening an investigation instead of blocking within 4 business days as required, and I have requested the help of the CFPB to make sure Equifax complies with US Federal Law ... the FCRA statute is very clear as to what Equifax must do to comply. IF I HAVE AN FTC IDENTITY THEFT REPORT, EQUIFAX MUST HONOR MY REQUEST TO BLOCK THIS INFORMATION. I have enclosed my FTC Identity Theft Report, driver license, social security card, proof of residency, and FCRA 605B. I also attach a copy of my Equifax  credit report highlighting the fraudulent account that is the result of identity theft and does not relate to any activity I engaged in or authorized or benefited!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in the year XXXX, I applied for a US federal student grant to attend XXXX XXXXXXXX College. I did receive the financial aid funds! 9 years later in XXXX I receive a letter stating that I owe XXXX XXXX XXXX XXXX {$1100.00}. I was confused and started to analyze the reason behind it. In the mean time XXXX XXXX XXXX   unfairly reported to credit bureaus as if I am not paying back my student loan. Eventually I have sorted out the problem with the XXXX XXXX XXXX XXXX and contacted to 3 credit bureaus to delete the negative report from my credit file. XXXX and XXXX cleared the negative report instantly except this company called Equifax. It has been a year that I am dealing with this matter with this company. I have filled a dispute online, spoke with them over the phone and nothing seems to work. I keep getting customer service people from overseas and they do not understand the difference from a student loan or a grant! I am fed up and looking for an alternate solution THANKING YOU IN ADVANCE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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:
today, XX/XX/2018 Attempted to get my yearly credit reports from XXXX, Equifax, and XXXX on XXXX. No problem with XXXX but the other two refused saying insufficient info was given when they received the same info as XXXX. This is what I got from XXXX which is similar to which I got from Equifax : " Sorry, we are unable to verify your identity This is usually because your information has recently changed, you don't have enough credit history, or the information was entered incorrectly. If you believe you entered your information, incorrectly, click here to try again. '' However, the same identity information was given through the website ( XXXX ) to XXXX   which was accepted by XXXX, The other two, XXXX and Equafax asked further questions regarding matters that they claimed to be in my file. My answers to those questions apparently was wrong, Which means THERE MUST BE MATTERS IN MY FILE IN THOSE AGENCIES THAT I AM NOT AWARE OF! THAT IS THE EXACT REASON I SHOULD SEE MY FILE! 

Also, when I went on XXXX 's website to freeze my report all went well and it froze my report. 

The other received the same information on their websites and on the phone and again refused saying I did not give sufficient info to ID me, info that appeared on the respective reports, info which I am not aware of. This is not info regarding my identification, etc., which is the same info that XXXX   received. The telephone reps even knew my ID info from my telephone #. Each asked questions regarding debt, notes and vehicle purchases which do not appear on the XXXX   report and which I am not aware of, in order to be assured that I am who I am. THIS IS CRAZY! It puts the cart before the horse. 

IT WOULD SEEM THESE TWO AGENCIES ARE JUST PUTTING ROADBLOCKS UP TO DELAY OR CAUSE ME SO MUCH WORK THAT IT IS NOT WORTH THE TIME TO PURSUE MY RIGHT TO GET MY REPORT AND/OR FREEZE MY ACCOUNT! 

XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( My address since XXXX ), XXXX XXXX XXXX ( A telephone number for about the same amount of time. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX Account Number XXXX Balance {$1300.00} XXXX Account Number XXXX Balance {$6100.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$6500.00} U S DEPT OF ED/XXXX/XXXX Account Number XXXX Balance {$4500.00}

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 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC

Complaint narrative:
There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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:
Beginning in XX/XX/2018 I requested validation of debts showing on my credit report from Portfolio Recovery ( see attach letter. ) I never received any validation of the debt from either of these collection agencies but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently went online and established credit freezes with XXXX and XXXX without the slightest difficulty. Experian, instead, rejected my request on the basis of improper responses to ID questions -- e.g., former and current addresses, mortgages, etc. -- that had absolutely nothing to do with me or my identity.

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 2018-10-31 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 am a XXXX XXXX XXXX & XXXX XXXX Veteran and I went through the proper channels to get my student loan forgiven and discharged. As of XX/XX/XXXX, the student loan in the amount of {$140000.00} was permanently discharged and suspended. The other two credit reporting agencies XXXX  and XXXX both have removed the student loan from my credit report back in early XXXX because I presented them with proof that it was discharged and suspended, but Equifax credit reporting agency refuse to remove the student loan from theirs even after I have submitted the actual letter from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX proving that the loan is discharged and suspended. I have put in back to back disputes and re-investigations into this matter with Equifax and they keep coming back saying that the credit report is correct and the student loan is staying on my credit report. Equifax just will not remove this student loan from my credit report. This has lowered my credit score to the point where I can not obtain credit or purchase a home, potential creditors refuse me credit thinking that I am a high risk candidate and this is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX did not at anytime send me an invoice, but has instead reported on credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX Both of the incidents involved after care/ XXXX   XXXX. I lost my employment and had 0 insurance at the time and due to diagnosis of XXXX follow up care is mandatory. 

This coincides with present complaint ( XXXX-XXXX ) I filed against XXXX regarding their not honoring XXXX XXXX. In that case XXXX waited 2 years for me to return to work and then immediately filed a judgement against me. To date I have not received any information regarding that complaint nor have I been refunded {$9300.00} XXXX XXXX XXXX states since XXXX went back and disallowed the XXXX XXXX 2 years after the service then there policies state they will not honoring the XXXX XXXX either and given the date of service ( XX/XX/2016 ) their policy is to place for immediate collection and report on credit bureaus. 


The practice of waiting for 2-3 years and not honoring their own XXXX XXXX policies and randomly billing years after the fact is very underhanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I had an account with XXXX  XXXX XXXX and they are reporting to EWS in accurate information account activity that is closed. which is still on the report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I have leased two XXXX XXXX from XXXX XXXX, which was leased through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX I have cosigned one XXXX for my brother under account number XXXX I got shocked to receive default notice from TMCC in XXXX second week, that there is no payment has been submitted on this account. 
Upon investigation, I found out account number on this account was entered incorrectly, that why payments were not being made and bouncing back. 
It was fixed when found out. My credit has been reported for 2 late payments. 
How come lender never communicated with the person for 90 days. 
There was NO communication till XXXX first week, when we found out and cured. 
I think reporting adverse late payment history to credit bureau without even approaching borrower is not right practice. When the accounts get delinquent, Borrower/guarantee should have gotten a communication right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: The CMI Group, Inc.
State: SC

Complaint narrative:
This company is reporting that I owe a balance of {$710.00} and I do not. They continue to report on my credit and this information isnt mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
We paid off a loan at XXXX XXXX XXXX XXXX. The loan was paid by The Money Source. We were told by The Money Source that we would get out money from the Impound account after closing, which should had been around {$1300.00}. XXXX XXXX XXXX sent is a check for XXXX and some change and told us that they accredited the impound account to the payoff of the loan. We were never informed of this procedure. No signature took place or any information was given regarding this. What we are saying is we never agreed to do this with The Money Source or XXXX XXXX XXXX. The Money Source said that they did not know companies did this. On the Borrower 's Settlement Statement it shows the Homeowner 's Insurance {$850.00} and Property Taxes {$500.00} in the closing of {$170000.00} which was paid by the Money Source. The Money Source got the escrow account and has put it all on XXXX. XXXX. had no rights to take our Impound account and apply it to the closing of the loan. This was reason we had The Money Source to pay off the loan. My husband and I feel that both the companies are giving us the run around. We never received any signing documents stating this was going to happen. XXXX XXXX at XXXX XXXX XXXX is the loan officer and XXXX XXXX at the XXXX company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
i opened an auto loan with Bank of America and chose to consent to their electronic delivery process. Every thing was processed correctly but I never received the " Closing Documents '' as described in their electronic disclosure statement. 
https : //secure.bankofamerica.com/applynow/vl-electronic-disclosure.go After several calls to their customer service group ( over a 10 day period ), they finally agreed to fax the documents to me. They would not email them to me or send via email. I believe this is in direct conflict with their electronic disclosure agreement. Nowhere in their agreement does it require access to a fax machine which most people do not have access to. My only option was to have it faxed or rescind my consent to the electronic delivery process and have them mail the documents to me. My car registration was already 2 days overdue. I opted for them to fax the documents but that required me to have the documents sent to either a public place such as a XXXX/XXXX center. I think this process puts consumers information in danger.

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 2018-10-31 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:
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX  XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 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: TX

Complaint narrative:
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX  XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.

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 2018-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from Calvary Portfolio Services ( see attach letter. ) I never received any validation of the debt from this collection ageny but it continues to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to Calvary three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This company is showing that I owe {$230.00} and Im not aware of where this company or amount comes from. I have never had business with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation