vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: MA

Complaint narrative:
Experian, continue to not provided me with the proof as I have requested multiple times. I have requested from Experian proof that I was later for my XXXX for XXXX XXXX XXXX account. Experian continue to provide me with the proof that I was late for XXXX. Experian has violated the Fair Credit Reporting Act by not providing me with the proof I have requested multiple times with this subterfuge and inaccurate information for 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 2021-04-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
This past Summer I sent a secure electronic message to Navy Federal Credit Union through my online account requesting that the {$2800.00} balance transfer that I had initiated on XX/XX/XXXX from my XXXX XXXX Credit card be reversed, since I was disputing a substantial portion of that balance in the amount of {$1300.00} ( see CFPB Case # XXXX ). I was informed that this was not possible and that I should dispute any charges with the original card issuer. With the 0 % APR promotion that was used in connection with the transfer due to expire on XX/XX/XXXX and not having received the third stimulus check for {$1400.00} despite the fact that I receive direct deposit as a XXXX Beneficiary, I phoned XXXX today to confirm that there was no way to transfer the balance on my NavyFCU back to XXXX, only to be informed that because the transfer had been made more than a year prior, this was no longer an option ( this same NavyFCU Representative that I initially spoke to indicated that he had just received his stimulus check in the mail today, suggesting that mine may never arrive at all ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Comment Demanding {$2000.00} to settle a balance of {$11000.00} XXXX XXXX XXXX # XXXX Absolute Fraud! 

I have not had a XXXX XXXX Account since XXXX or XXXX My Credit score is VERY GOOD and There is nothing on my 3 Credit Scores that is Negative. 

Nor has there been anything for at least 17 years. 

XXXX  the Company and they seem to be a Predatory Fraudulent Company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CO

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.

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 2021-04-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
I sold my truck to a dealership and the dealership paid my lender, Toyota Financial, in full. Toyota Financial sent the release of lien to the dealership weeks ago. Toyota continues to report the vehicle to my credit report. I sold the car in XXXX. In XXXX, Toyota report it 30 days late. Last week, at the end of XXXX, Toyota reported it 60 days late. AFTER it has already received a full payoff and released their lien. I was never late on this payment once. Attached is my proof of vehicle sale in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has my date of birth wrong. I have sent in copies of my Driver 's license, SS card, passport, utility bill, via certified mail 3 times and once via regular mail I have been asked a 5th time to send in my DL. I can not do anything online as my DoB is wrong- I do not match. i have also requested where did they get this wrong information and why not corrected? no answer no correction, just a 5th request for DL. 
XX/XX/XXXX letter on error and copy of all documents requested. 
XX/XX/XXXX certified mail to equifax on errors and all requested documents XX/XX/XXXX certified mail to equifax on errors and all requested documents. 
XX/XX/XXXX certified mail to equifax on errors and a 4th copy of my DL and SS card XX/XX/XXXX A letter from equifax stating that results of their investigation to send in a copy of my DL to correct my DoB. I have proof that all 3 certified letters were received. 
I have no response as to where this misinformation or how determined as I requested. 
XXXX  & XXXX have all information correct. Only Equifax will not delete/ correct wrong information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I've received a letter from I.C Systems INC. stating that there is a debt collector trying to collect a debt from me in the amount of {$1500.00}. After doing some research to see if there are licensed in my state of Florida. I.C Systems are not licensed in the state of Florida. 

According to the FCCPA If the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation, which in this instance is each call or contact by a non-licensed debt collector. It is recommended at this point to contact an attorney who regularly handles these types of claims against debt collectors. 

I filed a complaint with Florida 's Office of Financial Regulation and with Florida 's attorney general to take legal action.

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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Transfer from XXXX to XXXX was stopped. Fiserv is currently holding {$500.00} from me. This money has to be returned to my XXXX account. XXXX is also known as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I refinanced my VA loan in XXXX. The servicing was transferred to New Rez/Shellpoint. For some reason, New Rez did not send my monthly condo insurance premiums to XXXX XXXX XXXX my longtime insurer ) until XXXX. I had not idea this was happening, or not happening I should say. By the time New Rez finally sent a check for the premium, XXXX XXXX had cancelled the policy, and now New Rez is claiming I owe them for expensive force-placed insurance. Another wrinkle : In XXXX, a water pipe burst inside my condo, causing tens of thousands of dollars in damage. The condo association policy covered much of the damage, but I owe a {$10000.00} deductible. XXXX XXXX is refusing to pay the claim since they claim a policy was not in effect at the time and New Rez has not responded to my requests that they pay the claim since they were at fault for a policy not being in effect. I would appreciate any help you can provide. I am happy to provide the address of my condo and the loan number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
On XX/XX/XXXX2021, I sent a Notice of Validation to the Fox Collection CenterXX/XX/XXXXto validate the information they claim I owned in the amount of {$350.00}. I requested a copy of my signatures on a HIPPA form, giving Fox Collection Center permission to review/access any of my medical information. Fox Collection Center responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. Not only did they submit the unverified/unvalidated information to the bureaus, they submitted the same collection on my account twice to XX/XX/XXXX and XX/XX/XXXX. So, the debt appears as two separate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
On Monday, XX/XX/2021, I was looking for a {$70000.00} Personal Loan to fund a renovation I am running in my house and I checked the rates with SoFi ( Social Finance , Inc. ) and they were attractive. They only pulled a soft credit with a credit bureau ; they pre approved me. 

Then, next step was to send an official application, when they would pulled my credit info from a bureau. In a given screen about immigration status they offered 3 options to be chosen from : XXXX, XXXX XXXX holder, Non-immigrant ( option that would limit the the loan to T {$35000.00} XXXX. I, then, on the same day XX/XX/XXXX, chatted with a customer support representative BEFORE SUBMITTING THE APPLICATION to understand what I should do as my situation is having an EAD/Advance Parole holder with a EB-5 Green Card application approved ( I-140 ) awaiting the card to be issued. I was informed by the agent that if I had the approval letter I could submit my application, as a green card holder. 
Note : I was logged in so they have that conversation store in their system. 

I proceed with the application and was approved for up to {$90000.00}. I ended up keeping a {$70000.00} request. Following, they requested me to send me my docs and after a lot of back and forth a agent calledXX/XX/XXXX. stated clearly that I had to submit an I-797 Form with my green card approval to be finally approved. I sent that and after more back and forth the agent XXXX XXXX denied the loan unless I fulfilled this absurd request to add a XXXX or XXXX XX/XX/XXXX holder to my application as a co-signer ( even to get less than {$35000.00}, the opposite of what they stated before ). 

I refused to do so as I earned a great credit as an individual, paying my bills and taxes diligently and I am the only responsible for my personal finances. Then, they denied my request, left me without the loan and with a credit score hurt by their hard inquiry - even though I presented all documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: RI

Complaint narrative:
I have been trying to dispute a medical debt that was never submitted to my insurance company. I have had the same insurance for over 23 years and have provided documentation two the debt collector however, the collection remains on my report. The date of service for the debt is XX/XX/XXXX however its reporting on my credit XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
A member of my household received a letter from a debt collector, identified as Afni. The letter stated that {$1100.00} was owed to XXXX XXXX XXXX XXXX no address, and no date on letter ). Afni offered to settle the debt for {$600.00}, along with standard jargon about responding in 30 days. The letter was addressed to our residence, but the name of the member was misspelled. There are two key problems. 1 ) A person of that spelling does not live in this household. 2 ) The person whose name is similar to that name has never had an account with XXXX XXXX XXXX. An Internet search of similar issues suggests that this company has a history of attempting to collect debt on false accounts. There exists the possibility that someone may have opened an account in this false name, but there is no way for us to verify that possibility. Several websites suggested that calling Afni was ill-advised. Our household sent a written letter of dispute to Afni within 30 days of receiving the initial letter. Afni responded with a follow-up letter, stating that the account is verified, but offered no further evidence of when and how this debt may have accumulated. They again listed XXXX XXXX XXXX, but this time included an address of XXXX. XXXX XXXX, XXXX, TX, XXXX. An Internet search of this address revealed a XX/XX/XXXX entry for a company called XXXXXX/XX/XXXX Theft of Identity. This provides further evidence that this debt is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to supply my free, weekly online credit report. I have no problem with the other 2 credit agencies, but Equifax will never send the free report. This has been going on for over a year. I do not trust them to submit a request by mail with the many personal items they are requiring. 
I would like to receive my free weekly online report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
For 3 years I've made payments to XXXXXX/XX/XXXX for a rent debt. This XX/XX/XXXX, I was finally able to settle the debt in full with them. Unbeknownst to me, another collection agency- National Credit Systems- was trying to collect the debt ( at the same time ) and reported the debt on my credit in XX/XX/XXXX. The paid debt was reported to the credit bureau and I sent a copy of the receipt to National Credit Systems on XX/XX/XXXX for them to completely remove this from my report as I had been paying Impact on an arrangement and had paid it off completely. XX/XX/XXXX update my credit file to the bureau within a week, but now, almost 2 months later, National Credit Systems is still showing a bad debt on my report. I've called over and over and they say they are updating it and never does, nor are they following up with me. Two creditors collecting the same debt is illegal, to my knowledge. And to report this as a bad debt 2 months after I paid it to the ACTUAL AGENCY HANDLING MY ACCOUNT is bad practice and affecting my ability to move and gain financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Affidavit of Truth was sent out to Sunrise Credit Services Inc, on XX/XX/2021. 

A response hasn't been sent. On XXXX XXXX a Notice of Default and Opportunity To Cure was sent 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