vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 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: OH

Complaint narrative:
I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX  responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a new car loan with XXXX XXXX XXXX. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, XXXX WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a new car loan with XXXX XXXX XXXX. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, XXXX WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.

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 2020-05-31 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: MI

Complaint narrative:
on XXXX XXXX, My identity was used to purchase a cell phone at a XXXX in XXXX XXXX.I contacted XXXX XXXX XXXX fraud department and they confirmed it was fraud.I did file a police report with my local police department.I have tried many times to dipute this fraud hard inquiry on my equifax credit report and I get the same thing from them.Equifax says in there dispute results '' Inquiries are a factual record of file  access.If you believe this was unauthorized, please contact the creditor '' .I have demanded equifax to do a full dispute investigation and remove the XXXX XXXX XXXX hard inquiry but only to get the same dispute results.Because of this, my fico score is down and have a unauthorized/fraud inquiry on my Equifax report.If this CFPB complaint/dispute does not fix this, My next step is to sue equifax in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I would like to link my XXXX investing site to my checking account and it will not allow me to do so. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a credit card from Penfed when they sent me an ad saying I'd been pre-approved, However I was denied the card primarily because a credit-report from XXXX  shows a Serious Delinquency according to their letter of XX/XX/20 Ref No. XXXX. However the report is either incorrect and/or Penfed is incorrect because I've downloaded the report from several credit reporting outfits and there are no such delinquencies.

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 2020-05-31 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Have checked my report and there are XXXX accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I leased a XXXX  XXXX XXXX for 36 months with American Honda Finance. I made every monthly payment on time, never missed. When turning in the vehicle at the end of the lease I was unknowingly charged a vehicle lease return fee of {$240.00}. 
The vehicle lease return fee was never brought up to me while getting the vehicle with the agent at the dealership. The fee is mentioned in the very very small fine print on the lease agreement. It is barely readable. 
After returning the car we moved from XXXX FL to XXXX FL due to being affected by hurricane Irma. I did not receive any mail from Honda Finance regarding the charge, nor was I aware of any fee assessed. 
Couple of months later I notice my credit report has a charge off from American Honda Finance. They are still marking my account 30 days late. 
I called American Honda Finance to ask them to waive the lease return fee, due to the fact that we made every single monthly payment on time for the amount of the lease payments, and the fee was never brought up at the dealership, it was only mentioned in the very small fine print of the lease agreement. They declined. 
I am writing this dispute to ask that the {$240.00} lease return fee be waived, all late payment marks be removed, the charge off be removed, and the status updated to paid as agreed. 
The return fee is very unnecessary, and misleading which is why they practically have to hide it in the small fine print of the agreement. It has blemished my otherwise perfect credit report, and it is not an accurate indication of how I pay my bills. I am asking the bureau to assist us and monitor the resolution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
On XX/XX/2014 i got a payday loan it has not been paid. I have tried contacting the company but i was told it was closed down for good the company is no longer there, i tried to use the contact information i have on my XXXX account but the information belongs to a company name XXXX XXXX XXXX. At this point i dont know what steps i should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2020-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I would.lik to set up a way to load money for my granddaughter on a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not receiving verification of payments made, even though I have repeatedly requested such documentation. I continue to make my payments on time. The payments cleared my bank account. I have since close my account, but I have not received written verification. I would like to pay off this account. However, these basic requirements need to be met first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This complaint is regarding a XXXX XXXX XXXX bill submitted at the time we sold our residents in XX/XX/2019 where services were received and moved out of the state of XXXX XXXX   to XXXX. We did leave a forwarding address. We received a bill prior to moving which a partial payment was made. The next month, XX/XX/XXXX we received another bill by way of our forwarding address ( see attach copy ) which another partial payment was made and cleared XX/XX/XXXX. Although we did not received another bill in XX/XX/XXXX, we made another partial payment and was cleared XX/XX/XXXX. Our next notice regarding this bill was received XX/XX/XXXX via our mail forwarding address from CPA Credit Protection Association ( see attached ) stating that the balance was submitted to the credit bureaus for non collection. Upon receipt I contacted them and paid in full the balance. I also questioned why it was sent to credit bureaus when payments were being made and was informed that credit bureaus would be notified of payment. After this call I did receive a letter stating this, ( see attached ). Once I noticed my credit score was impacted due to this I contacted both XXXX and CPA to dispute it with no results. I have also attempted three times to have XXXX   correct the issue with all three results stating ( Verified ). 
My credit rating has always been in the 800 range and is now XXXX  because of this error. It also identifies that no payments were missed. 
I believe this has been wrongly reported since 1 ) I was making continued payments and they acknowledged such, 2 ) I never received prior notice ( s ) before XXXX that balance was going into collection.

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 2020-05-31 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: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX -NCTUE XXXX. XXXX XXXX XXXX, GA   XXXX XXXX XXXX XXXX On Saturday, XXXX, XXXX, NCTUE, knowingly Committed 4 different violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

This admission is attached to this complaint with the following confirmation numbers : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX acct # XXXX is reporting the debt after 7 years. 

On Sunday, XX/XX/2020, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, XXXX XXXX XXXX XXXX, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. 

I demand that NCTUE remove this inaccurate formation off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 Capital One Acknowledged receipt of my request to close my general credit card account. Unfortunately, despite repeated requests, they have refused to provide me with billing statements that itemize transactions and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: The Best Service Co.,Inc
State: NV

Complaint narrative:
I sent a letter to XXXX  on XX/XX/2020 asking for 2 items to be removed off my credit report due to them both being in regard to the same debt. The Best Service Company is the collection agency and XXXX XXXX is the original creditor. They are both reporting to all three bureaus and my understanding is both can not report at the same time, saying I owe them both. They responded on XXXX XXXX saying that they will not remove them because they meet FCRA requirements. I know this too be incorrect and should like them to remove both items as they reporting incorrectly in various ways such as different opening dates and DOLA dates the biggest being double jeopardy. I am requesting both items be removed immediately as I am in the market for a house and this is one of the major credit items that is hindering me.

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 2020-05-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my 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 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
I contacted the company and paid the debt in full but it did not show as paid in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: NM

Complaint narrative:
my account is constantly locked my debt card was canceled and with the current times i cant go in the bank to resolve these problems i call they say to go to my local branch i cant thers a corona virus epidemic going on

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 2020-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my 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 2020-05-31 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
Have checked my report and there are 2 accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I was inundated with threatening calls and USPS collection notices for a debt that had been charged off by XXXX XXXX  was now under a collection of NCB Management from XXXX, PA. They put it on my credit report, not as XXXX XXXX  but as a collection agent which is not authorized to collect anything in the State of Florida or for that matter, anywhere but in Pennsylvania. Having them do this to me I subsequently lost my employment because of this item, when I do not have any other negative marks on my credit. 

I notified them as pursuant to fair credit reporting act a listing of items that I wanted proof of and also informed them that they have to remove it from my credit report until legally resolved. 

This is pure harassment resulting in the loss of income, loss of a job, loss of dignity and I find out that what they are doing is against the law AND HARASSMENT OF A SENIOR CITIZEN which is against Federal Law. 

It is a violation of the Fair Credit Reporting Act It is a violation of The Fair Debt Collection Practices Act Defamation of Character Loss of Employment due to this specific negative item in credit report. 

They have not answered the legal complaint and as such their practices should be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I do not owe this debt. Once again I reached out for validation of this alleged debt of {$2400.00} on XX/XX/XXXX. I have a yet to receive a response. At this time I demand the alleged debt to be immediately removed from my credit reports as soon as possible. This is damaging to my reputation. I never got a letter allowing me the time to dispute this debt with them before they illegally attached this to my credit profile in XXXX. Once again I have asked for validation of this alleged debt. They have it listed on my report that it was " verified '' on XX/XX/XXXX. Which is not true. I have not received any sort of verification or validation and because they failed to respond within 30 days. I know this must be removed from my credit report.Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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