vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: PA

Complaint narrative:
i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/21, I requested my credit report and complete credit file from EXPERIAN. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. Experian has refused to send me upon request my complete credit file.

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 2021-09-22 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received an alert that Medical Data Systems on XXXX put a collection for {$75.00} on my credit report. I have never heard or dealt with this company.

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 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
I have been using Binance.US to trade cryptocurrency. For about 6 months or more, now that trying to withdraw USD, the app all of a sudden can't connect to my bank in any way. I have emailed them 5 times about it over this year, and have gotten no response at all. 

I want the money I am owed. They're just keeping it and not responding to the tickets that are being sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: AR

Complaint narrative:
ALL BUREAUS ARE REPROTING WRONG CURRENT ADDREESEES ESPECIALLY EXPERIAN. SEE ATTACHED

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I disputed inaccurate statement on my credit report. Experian shows a delinquent account with XXXX that I disputed. Per fair credit act the statement is inaccurate and should be removed. Shows balance XXXX payment of XXXX in XXXX with a balance of XXXX. The math is incorrect and inaccurate. Requested experian to remove they refused with no explanation.

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 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NC

Complaint narrative:
I recently checked my credit bureau scores and realized that Equifax was reporting my XXXX mortgage as Closed, has not reported since XX/XX/15, and was included in my bankruptcy. This is not correct and is having a severe effect on my scores and my ability to possibly refinance my home loan. 

I have attached a screenshot of the three bureaus. As you can see, XXXX and XXXX are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CBC Companies, Inc.
State: AR

Complaint narrative:
ALL BUREAUS ARE REPROTING WRONG CURRENT ADDREESEES ESPECIALLY XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/21, I requested my credit report and complete credit file from EQUIFAX. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. EQUIFAX has refused to send me upon request my complete credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: NJ

Complaint narrative:
So the report for XXXX is XXXX Ive been trying to dispute first progress for months and Ive asked the dispute representative today XX/XX/2021 what information are they sending to make you say its accurate and the only information they provided is the information that was a result of identity theft which is my name and my social which is really upsetting me as Ive sent several letters to them and even have my account on fraud alert and first progress keeps saying is accurate when its nit they made two duplicate accounts in my name and I want them gone, my name is incorrectly reported by then with a middle initial of XXXX when my initial isnt a XXXX The account has gotten taken off of XXXX and XXXX yet they kept trying to report to XXXX that it isnt fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
They sued me mid pandemic. Initial amount owed was {$1100.00}. I called to agree to {$990.00} @ $ XXXX/mo. I've made pmts in XXXX, XXXX, XXXX, XXXX & XXXX. But they always report to my credit that i didn't make my pmt and they report a higher amt than I actually owe. I currently owe {$590.00} but they reported that I owe {$770.00} for this month. I've tried to have this corrected directly with them. They have refused to let me speak to a supervisor after multiple requests. I finally filed a dispute with XXXX on XXXX for inaccurate payment history and inaccurate amount. I called today ( as a courtesy ) to let them know that I missed almost three weeks of work due to COVID19 and that I wasn't able to make my payment this month ( the dispute is still pending but I still want to pay them ). I spoke to XXXX XXXX on XX/XX/22 @ XXXX EST. He told me " he doesn't have to defer my payment unless I drop my dispute. '' His exact words! He tried to twist my arm to drop the dispute! I demanded a supervisor and spoke to XXXX XXXX @ XXXX. I wanted to report what the previous rep said to me and that I will not be able to make the payment this month due to COVID19. I clearly told her I did NOT wish to discuss the dispute. She argued with me for over 15 minutes about me dropping the dispute even though I said multiple times that I wont discus it with her. I then asked multiple times if our call was recorded. She replied multiple times that it " may be recorded. '' This company sued me mid pandemic, has been nothing but a hassle, reports inaccurate information to the credit bureaus, refuses to defer a payment due to COVID19 and is trying to twist my arm to drop a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I have received 3 letters via US mail from Transworld Systems Inc. requesting payment of {$60.00}. First statement XX/XX/21, second statement XX/XX/21 ( sorry this was tossed so I don't have exact date ), third statement XX/XX/21. 

The debtee listed is my doctor 's office, I called my dr office on XX/XX/21, XX/XX/21 and XX/XX/21 and they have no record of this debt. 

I spoke with TSI on XX/XX/21 and they have no record of this debt and said the referenced account number is not theirs. 

I filed a complaint with MA Attorney General 's office on XX/XX/21. 

I did a reverse lookup of the client phone number listed and this belongs to a MA resident. 

Interestingly, the po box listed is in lowercase, which seems unprofessional. 

Unfortunately, with the second notice my husband paid the bill, not realizing I was pursuing the legitimacy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I noticed my my balance not reflecting what I believed should be in the account. I went over my online bank statements provided by TCF Bank. I noticed a total of 8 overdraft fees spanning over 4 days ( XX/XX/XXXX, XXXX, XXXX ) that I could not understand. I contacted my local branch on XX/XX/XXXX. I made contact again on XX/XX/XXXX and received a call back from XXXX later that day. Over the next 2 days I spoke with XXXX and he refunded 3 overdraft fees and I conceded to 1 ( XXXX XXXX, XXXX ). I inquired about the 4 additional fees ( XXXX XXXX, XXXX ) and he stated he could not do any additional refunding. I asked to speak with his superior. XXXX contacted me back and I met with her on XX/XX/XXXX. She explained to me about authorization, which I was already aware. She also stated, more than once, maybe I should keep better records. I found that to be a disrespectful dig as they ( TCF ) would NEVER go by my personal accounting and only their own statements that they provided. I asked her to show me. She turned her computer screen and showed me what she said was some accounting that proved what she was saying. I asked her to print it out for me, so that Iay review the information. She refused. XXXX stated that it was an internal system that attempted to recreate the charges on account. I explained to her that if she couldn't provide me with a copy, I was unable to go by that information. I was going by the information that was provided to me, by them, i.e the online statements. And those statements DO NOT reflect what she is saying. She put a dispute in the system ( only after being threatened with contact to your company ) on XX/XX/XXXX and told me I would be contacted. I called XXXX again on XX/XX/XXXX letting her know I had still not been contacted. She told me they have so many days to call me, still not telling me what that timeline looked like. What TCF is telling me and what they have provided me in statements do not match.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has not communicated to me once via mail. All my requests for paperwork in writing have been denied. I walked into multiple branches and was sent away from each. The representatives of Capital One claimed that capital one does not allow people to apply for credit at any branch. 

When applying for the credit cards online capital one responds to me in a single email though I applied for multiple credit cards. Sending a single file they claim to be an adverse action letter, capital one alleges that information furnished without my consent ( and I have been actively trying to resolve this issue with the company ) is the basis for denying me credit. Capital one sent me this email three times in an attempt to respond to the other two applications. 

Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the organization. Capital One must satisfy this obligation by providing statements of reasons in writing as a matter of course to the consumer, applicants against whom adverse action is taken. Pursuant to 15 U.S. Code 1691 ( d ) ( 2 ), I, the affiant did not receive such and thus Capital One is in violation of 15 U.S. Code 1691 ( d ) as shown by Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
For those who don't know, PHH Mortgage is one in the same as fraudulent Ocwen Loan services. For years we have been trying to retain our property to no avail. We have heard every excuse on this planet from Ocwen and PHH as to why they couldn't approve the loan modification. PHH claims that the account arrears are to large for alone modification. If the consumer financial Protection would review the HAMP guidelines and the XXXX  XXXX  protocol for loan mod 's, you'll find that arrears what ever they are is irrelevant for a loan modification because that's where forbearance comes in depending on the appraisal value. I am attaching a copy of the RMA and other financials for you're review. Our combined monthly income is {$5800.00}. We clearly qualify for the XXXX XXXX standard loan modification. We are asking PHH to STOP the nonsense and the Unfair Business Practices before we filed a complaint for the XXXX district Federal Court. We also have extensive proof that PHH have engaged in fraud in connection with the foreclosure action and matter should be brought up to the XXXX  District Court of Florida. We will file a separate complaint in regards to the fraudulent foreclosure complaint and how Ocwen and PHH was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MD

Complaint narrative:
On XX/XX/2021 at XXXX, I submitted a dispute with Experian XXXX XXXX XXXX for inaccurate information contained on my report. Credit bureaus say it can take up to 30 days for a response. 
Unfortunately, I received an email that my dispute was complete at XXXX on XX/XX/2021. 
I do not understand how this is possible. Was my dispute even sent to XXXX XXXX for review? It hadn't even been 1 hour. 
I called Experian today at XXXX to get clarification on how this is possible, and the rep told me that the dispute had never been sent to XXXX XXXX and a supervisor would contact me in 72 hours. 
I am EXTREMELY concerned about this behavior by a credit Bureau. They are responsible for the livelihood of millions, yet they place inaccurate data on our reports and do not perform properly when consumers reach out.

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 2021-09-22 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: NJ

Complaint narrative:
Transunion refuses to remove duplicate account from XXXX financial. Received correspondence from XXXX that the account was removed but both still showing on file. This account from XXXX XXXX was included in bankruptcy. However, they can start by removing duplicate account and they refuse. Can you please assist!

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 2021-09-22 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: MS

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MD

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
The credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent .I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off immediately

Company response to consumer: Closed with explanation