vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have reviewed my XXXX  credit bureau report on XX/XX/XXXX. The report shows a late payment was made on Bank of America Visa signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from Bank of America. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.

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 monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Concord finance Inc XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX put a lien on the title of a XXXX XXXX XXXX VIN # XXXX back on XX/XX/XXXX. The statue of limitations I believe have expired. I am requesting a notorized lien release ( DOR-4809 ) to title number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed my balance that was being reported to the credit bureau against Capital one credit card company in early XXXX. The credit bureau tried to verify my balance with Capitol one and they didn't respond at all. Two accounts I have with Capitol one were removed from my credit report causing my score to drop XXXX points. I contacted Capitol one and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XXXX XXXX the letter was sent. I am still waiting. I called Capitol one today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed my balance that was being reported to the credit bureau against XXXX XXXX credit card company in early XX/XX/2020. The credit bureau tried to verify my balance with XXXX XXXX and they didn't respond at all. Two accounts I have with XXXX XXXX were removed from my credit report causing my score to drop XXXX points. I contacted XXXX XXXX and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XX/XX/2020 the letter was sent. I am still waiting. I called XXXX XXXX today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from wells fargo bank, it was about wells fargo account by my name and my address on the letter, that account I did not open, it informs me about checks deposited to or cashed against the account suspected to be counterfeit. 
Wells fargo did identity deft, fraud, opened an account by my name, and deposited counterfeit ( fake ) check to that fake account. I called them immediately after I received the letter and told them that I did not do that, I asked the operator to tell me about this identity deft, fraud, and they told me that it was done online, I asked them to provide me about who did that or from which direction it is coming from, so I can do my part of security measures to avoid further happening or attempts of identity deft, fraud, by my name, they did not provide me anymore of how did that happened, this is a big concern for me, this can harm my financial status. I keep my documents in private, only I have access to them, nobody else has access to them, and my electronic information protected by a password.

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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: TX

Complaint narrative:
I retained copies of my credit reports in XXXX and noticed that Senex Services Corp placed a collection on my credit report in which they claimed that I owe {$320.00}. I immediately disputed it as have never done business with XXXX XXXX XXXX and I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX remove this item from my credit reports by sending a certified return receipt letter to XXXX. But XXXX has yet to remove this Item. I have maintained a careful record of my communications with Senex for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX not remove this account from all my credit reports. 
I have reminded XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of XXXX to remove this account from my credit report will result in a small claims action against XXXX XXXX XXXX in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection. 
2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress XXXX XXXX XXXX will be required to appear in a court venue local to me in Texas to defend themself. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: MN

Complaint narrative:
The following accounts listed on my Experian and XXXX XXXX credit report are accounts that was open fraudulently and are not my accounts : XXXX XXXX XXXX XXXX, {$14000.00}, XXXX XXXX XXXX XXXX, {$15000.00}, XXXX AZ XXXX, {$30000.00}, XXXX XXXX XXXX XXXX, {$3300.00}, and XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Experian and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020. XXXX XXXX XXXX XXXX, XXXX, administration has contacted the above creditors and has requested they also remove the fraudulent accounts from my credit report. I am a former employee of XXXX XXXX, XXXX who knows me very well and I have spoken to XXXX XXXX about this current situation. I been requesting for 2 years for these accounts to be deleted from my credit report and the fraudulent accounts hasnt been deleted from my credit report. XXXX XXXX is stepping in for me and taking action on this matter.

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 2020-06-13 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: CA

Complaint narrative:
I have reviewed my experian credit bureau report on XX/XX/XXXX. The report shows a late payment was made on XXXX XXXX XXXX XXXX signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and  ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from XXXX XXXX XXXX. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Experian supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.

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 2020-06-13 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 XX/XX/XXXX0f XX/XX/XXXX I set up a payment plan with XXXX XXXX credit card services. I was put on a payment plan of {$160.00} a month to pay back balancedI owed. Every month from XXXX to present day I have made my scheduled payments. In XX/XX/XXXX of XX/XX/XXXXI I check my credit report as usual and found that my score had dropped XXXX points because XXXX reported I late paying {$360.00} that I never was aware I had to pay since I had been paying the {$160.00} every month. I was never notified that I was late or owned more that the agreed amount. I disputed it with Experian and was told after investigation the could not give me any information and said I had to reach out to XXXX to discuss what proof they provided to confirm that I was late on payment. I provided Experian with proof of payment history. After a second dispute the credit report was unchanged and they have recent payments listed at {$0.00} but my balance is around {$2000.00} less than it was in XXXX. I never was asked to pay {$360.00} when I called in to make payments and never received any notices that I was also behind. Experian also had my account closed as of XXXX and it was closed in XXXX per XXXX in order to establish payment agreement.

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 2020-06-13 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: GA

Complaint narrative:
I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. 

I have been a victim of identity thief. I have requested certain documents from said company as outlined in the attached document. I have also attached my identity thief report filed with the police from XX/XX/2019. Please remove these enormous inquiries from my credit reports. My FCRA rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Bankruptcy filed XX/XX/2019 discharge XXXX XXXX.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Bankruptcy filed XX/XX/2019 discharge XX/XX/2019.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining 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 2020-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
Our house of 15 years was sold from under us! Our second mortgage, Statebridge, said that they'd work with us to prevent foreclosure ; jjust needed to submit their Loss Mitigation. Which we did! Regardless of their additional requests for documents, we did it! We have XXXX kids on XXXX different schools, and while their father, my husband, was recovering from a XXXX, and my eyes were worsening to XXXX   XXXX  ( XXXX XXXX ), we did it!! And I s/b finally receiving XXXX ( I have a phone hearing with XXXX XXXX next month on XX/XX/20 ). It is my understanding that Statebridge bought the first mortgage from XXXX XXXX and maybe it's because they wanted to foreclose on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 2020-06-13 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 2020-06-13 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: NJ

Complaint narrative:
THIS IS IN RESPONSE TO EQUIFAX RESPONSE FOR COMPLAINT # XXXX. MY COMPLAINT WAS CLEAR DOCUMENTS I SUBMITTED WERE CLEAR. AND DELETION OF OF ACCOUNT THAT IS REPORTING 3 DIFFERENT REPORTINGS TO 3 DIFFERENT BUREAU. THAT IS CONSIDERED INACCURATE AND FALSE REPORTING. SO AGAIN MY COMPLAINT IS YOU HAVE NOT DONE A PROPER INVESTIGATION BECAUSE THE FACTS BEAR OUT THAT THE ACCOUNT IS BEING REPORTED DIFFERENTLY BY THE FURNISHER 3 DIFFERENT WAYS. IT'S SIMPLE AND CLEAR THAT IT CAN NOT BE ACCURATE THEREFORE IT MUST BE DELETED AND THAT WAS NOT DONE. SO MY COMPLAINTS READS AGAIN AS FOLLOWS. On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX  - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX- {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-XXXX, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer, has had the amount of {$5700.00}, on my credit for the past 10 years. This amount which was supposed to be paid off by the GAP insurance company after a car accident deemed it total lost. After 6 months of the accident the charge appeared on my credit report ; I called Santander to ask why, they stated they never contacted GAP insurance provider to have the balance paid in full. I attempted various calls from the insurance company to Santander to no avail. I received no assistance from neither party. This has since been a derogatory mark in my credit report for the last 10 years, which is past the statue of limitations. The account is also showing incurrent information. This account is not opened, and there has been no activity in years, yet it states that its 120-140 days late. This account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NC

Complaint narrative:
I've disputed items that are not mine on my report and they have failed to respond accordingly. The following letter and items were sent out and I've included them in attachment.

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