vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i have ask XXXX, XXXX, EXPERIAN to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove

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 2020-09-29 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: NY

Complaint narrative:
I am a victim of identity theft, as previously notified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MA

Complaint narrative:
In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past 3/3/1/2years. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report.

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the XXXX for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the XXXX Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The XXXX will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, as previously notified

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 2020-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, as previously notified

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime closed my account and when I sent an email on XX/XX/2020 to ask why my account is closed, and how I could get my remaining funds, they send me the following reply : " At this time, for security reasons, Chime is unable to disclose further information about the closure of your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sold my condo on XX/XX/XXXX. Chase sent written notice that they own me XXXX due to escrow balance and monthly autopayment drafted after closing. I received a check for XXXX and cashed it on XX/XX/XXXX but the check bounced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MA

Complaint narrative:
In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past XXXX. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in 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 2020-09-29 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: MA

Complaint narrative:
In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past XXXXyears. This  error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in 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 2020-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have yet to get a answer from Experian about removing these accounts that i never open or signed for

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 2020-09-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have contacted Experian ( three different times XX/XX/XXXX ( dispute # XXXX, XX/XX/XXXX ( dispute # XXXX and XX/XX/XXXX ( dispute # XXXX ) ) about three accounts but for now this is about two of the three accounts ( XXXX XXXX XXXX XXXX XXXX that I was disputing and requesting " proof of validation and method of verification '' of both debts. After every dispute, I was informed that the account as " Verified to be accurate. '' On XX/XX/XXXX, I contacted Experian and spoke with XXXX and requested to have both accounts removed because despite three written requests, the unverified items still remain on my credit report and my credit scores kept dropping because of this. Ms. XXXX disconnected the call. I called Experian back again ( on XX/XX/XXXX ) and I spoke with XXXX XXXX she spelled her name for me ), I told her the exact same thing, and she told me that " Experian do not remove accounts and that it was my responsibility to get these two accounts verified. '' I ask XXXX " So, you are telling me that Experian will not remove any accounts that are not verifiable? '' She said that the accounts were verified, I then ask her, " Who verified these accounts? '' She said XXXX XXXX XXXX XXXX did, I ask if I could get the proof and she said, that Experian do not have the proof to share with me. I asked XXXX if I could speak with a supervisor and at first she told me that I could after she read me what she said was the LAW. During her reading she said that CDIA new LAWS states that " The 3 Major Credit Bureaus no longer will removed any unverified accounts from the consumer 's ' credit report! '' After listening, I once again asked to speak with a supervisor and she said that there was no one available to speak with. 
I have repeatedly ask for evidence to support their reporting, but yet again, Experian failed to provide me with " ANY VIABLE EVIDENCE SUBMITTED BY XXXX XXXX XXXX XXXX SUBSTANTIATING THEIR CLAIMS. '' I have also requested Experian 's method of verification, and Experian have not complied, which is an additional violation of the FAIR CREDIT REPORTING ACT 611 ( a ) ( 7 ). Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I do not understand why that I can not get these two UNVERIFIED ACCOUNTS ( that is lowering my credit score monthly ) removed from my credit report.

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
There are late charges on my account. I want TD Auto to explain why they are on my account. I submitted a request for someone to look into this from customer support, but they have not resolved the problem. I have had many issues with my account when I log in online. My online version seems to freeze and does not allow me to access my statements and other features online. I believe there might have been a data breach. I paid the balance I owed for XXXX in full. Somehow I am already being charged a fee for XX/XX/2020, and it is not even late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 XXXX to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting a Repossession and subsequent charge off that was not in accordance with the law. The following was asked for by XXXX XXXX XXXX XXXX and they never responded with the following ; I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506 EFFECT OF ERRORS OR OMISSIONS 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613 CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. They also changed the terms of my auto loan before the repossession without my consent and increased the monthly amount on the vehicle payment.

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 2020-09-29 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: Volvo Car Financial Services U.S., LLC
State: PA

Complaint narrative:
Volvo Car Financial Services has charged off an account that was never delinquent and in voluntary forbearance and covered by the reporting regulations within section 4021 of the CARES Act. 

The account was opened for " excess millage '' from a previous leased vehicle. The lease was returned in XX/XX/XXXX ( XX/XX/XXXX ) but the account stayed open to cover the above referenced charges. Volvo Car Financial Services, a company we have been doing business with for many years and continue to do so today, placed this account into a voluntary forbearance due to the Covid-19 crisis and then abruptly changed the accounts reported status to " Charged-Off '' in XXXX ( XX/XX/XXXX ). 

In XXXX ( XX/XX/XXXX ) when these changes were noticed we contacted Volvo Car Financial Services to inquire about the status change. We were told by Volvo Car Financial Services that they were not aware of any changes to credit reporting requirements within the CARES act and thus " had the freedom to charge-off and report any account they deemed delinquent ''. 

Again, this account was never reported as delinquent and was reported as " current '' and " paid as agreed '' from XX/XX/XXXX to the time of charge-off in XX/XX/XXXX. 

Also in XXXX ( XX/XX/XXXX ) a dispute was opened with XXXX to further attempt to rectify this situation. The results of the dispute found in favor of Volvo Car Financial Services and a reinvestigation was denied. We have since attempted to contact Volvo Car Financial Services multiple times and have been hung up on or transferred endlessly through a never ending stream of representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent in my XXXX payment ( on time ) of {$890.00} and noticed the payment hadn't posted. I received a notice from BOFA stating that they could not post my payment because it was XXXX cents short. I never received any notice that my payment amount had changed so I sent in my XXXX payment but only included XXXX cents of the XXXX cents owed. I checked my account and noticed that neither the XXXX nor the XXXX payment was posted and was showing a past due amount of XXXX cents. I went into my local BOFA branch and paid the XXXX cents and was told that the payments would be applied. Last week I received a notice stating that my account was past due notice that my account was past due XXXX XXXX dollars. I call customer care on XX/XX/20 and was told that they had changed their payment system and that they were behind on posting payments. Two days later my payments are still not posted and they have now reported this to the credit bureaus. Today is now XX/XX/20 and this problem has still yet to be resolved and another late notice was received.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
I contacted Equifax both by letter and using their inquiry dispute tool informing them of Inaccuracies with inquiries that are reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit for said inquiries. In both my letter and using their dispute tool I informed them that I did not authorize the listed creditors to pull my credit. I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. To which they aren't able to provide, because it doesn't exist. I didn't sign or consent in any way to those credit pulls. I was sent a generic investigation letter with a false resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.

Company response to consumer: Closed with explanation