vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
In XXXX of 2021 i Tried to get solar on my house I went through XXXX XXXX XXXX they had me do a loan with Mosaic I canceled XXXX with XXXX XXXX  after mosaic put a lien on my house Which I was told that they would only put a lien on the solar panels so they messed up my refinance of my house and to get the lien removed I had to pay {$250.00} I canceled with XXXX XXXX and do the paperwork I also told Mosaic I have canceled and I had told XXXX XXXX  as well it took them till XXXX And constant fighting to have them submit the paperwork to each other that I had closed the solar and wasnt continuing and the loan was not mine finally XX/XX/XXXX I got a letter from Mosaic saying my account was closed and that any money I had given was going to be paid back and since then I have gotten a letter from debt collector Emails saying that I owe money as well as a {$13000.00} loan being displayed on my credit report I tried to dispute it however Mosaic said that is up to date that I still owe I have called them multiple times and nothing changed however in their system and I quote the loan is closed. They are harassing me with a debt i do not owe.

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 2021-06-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Credit Cards.. Due to the pandemic, just like everyone else. I actually tried my best to settle. I was told it would show settled for lesser amount and have the 2 derogatory remarks removed on both cards. I feel that I should have just kept my $ and not even tried. I really need my credit report in general with all 3 credit bureaus to atleast show that I tried. I have settled all debt I have to atleast try my best. It's disappointing. I should have just done a Bankruptcy but I tried to redeem my credit and feel unsuccessful. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2021-06-05 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: NY

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: SC

Complaint narrative:
I paid a debt with the Law Office of Brett M Borland on XX/XX/2021. They were collecting on behalf of XXXX XXXX XXXX. Original creditor was : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the amount paid was {$1500.00}. They refuse to either report the debt as paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A collection was recently removed off my credit report and added back on. The collection agreed to remove it and provided me with a letter for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CL Holdings LLC
State: GA

Complaint narrative:
A collection was recently removed off my credit report and added back on. The collection agreed to remove it and provided me with a letter for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERIS BANCORP
State: SC

Complaint narrative:
For the past 16 months, Ameris Bank has engaged in a practice that enables merchants to draft my account without authorization even after I'd frozen my debit card. Ameris also delayed posting a deposit until after drafts or held drafts until my balance was deficient resulting in overdraft charges, which they will not refund. I'm told to contact the merchant but in about 8 or 10 merchants have not legitimate phone or contact information. And even after requesting a list of merchants that claimed preauthorization rights, I was denied that list as it's not indicated in my statement, then Ameris added additional OD charges for having an overdraft for less than a week. The bank had closed its branch during the worst if this last year and I was not allowed the chance to sort it out. Now, I have one if the disputed drafts pursuing me in collections after I had to close my account to stop charges, and Ameris says it has no record of the events leading to the unauthorized drafts. Ameris has exploited me knowing I have one main deposit ( SSA ) a month, and I have pleaded for them to stop merchants from drafting my account without my expressed intent. They've sent me threatening letters as to the status of my account that stems directly from erroneous, excessive OD charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: MS

Complaint narrative:
Note to Experian : You have my authorization to conduct an investigation into my complaint. My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT. 

This is my second attempt trying to resolve this matter through the CFPB. 

Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. 

On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 4. I have attached proof of these reporting errors along with USPS receivable documentation. Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.

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 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I submitted a dispute to Equifax disputing an incorrect bankruptcy they continue to report. I have disputed this inaccurate account with them several times. Consequently, I had to dispute with the furnisher of this inaccurate information XXXX XXXX XXXX. XXXX ultimately removed the inaccurate account from my report. I provided proof of this fact in my recent dispute with Equifax and they still refused to delete the account. They even state in the verification they just sent me as being verified with XXXX. The 30 day clock on which they have to delete this invalid bankruptcy and all accounts associated with it, ends on XX/XX/2021. They have essentially wasted almost half a month, by responding that this account is verified when it clearly has been removed. This can even be found in the last CFPB response from XXXX, stating the bankruptcy has been deleted/removed from my report. At this point in time Equifax clearly disregarding all rule of law, and they are also ignoring the information from the furnisher of the information they are reporting. I will file a suit against Equifax for damages if they do not resolve this issue by XX/XX/XXXX. I will not accept them restarting the clock when they are in clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.

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 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/21, I made a total cash deposit of XXXX to the ATM at Navy Federal Credit Union at the ATM in XXXX, GA on XXXX XXXX. This was around XXXX. I only received credit for XXXX. There is still XXXX outstanding that has yet to be credited to my account. I have a receipt that I will upload that states that they are encountering a problem returning your cast. Please contact your financial institution. I did just that, while I was at the atm. I filed a dispute and uploaded all of the receipts. They issued a provisional credit, however that was revoked out of my account on XX/XX/21. I called the fraud department. They stated that the particular department that handles that or that made the decision wasn't in. I decided to file a complaint. I am not giving XXXX of my hard earned money away. That XXXX isn't NFCU 's to keep. That is my money. Not only that, but they took money out of that account and now it is negative. I am not happy nor appreciative of this issue. I will be filing multiple complaints in order to get this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
AM Sher collection agency improperly report my credit report to the credit agency. I have contacted the company four years ago. That was a part of my student loan that is not in a payment program. I was a student at the University XXXX XXXX  XXXX XXXX & took a federal loan. The financial aid office improperly reports to the collection agency & they agreed to remove it. I do not understand why they reported again to the credit bureau in XX/XX/2021. This collection agency is manipulated & falsified my account intentionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Since 2019 I have called repeatedly to close my account with XXXX  XXXX and they refuse to stop drafting my account. ( 15 USC 1692f ) says this is a violation. 

Also there is a civil Liabialty ( remedy ) ( 15 USC 1692k ) Where there is in fact a remedy for my losses wages. 

SCRA Civil relief act says. That I am able to terminate any and all contracts due to me being a service member. 

After numerous attempts to communicate with my bank as well as XXXX  XXXX. I was advised by a military Jag Officer to file a complain here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
On my credit report a collection item shows from National Credit Adjusters out of XXXX, KS. I never received legal notice according to FDCPA laws and they need to remove this from my bureau. Additionally, by law I can sue this company for violating my rights for same. 

This collection agency also put on my credit file that the account was just opened XX/XX/2021 which is a lie and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have contacted CommonWealth Financial System ( collection agency ) 3 times explaining to the company they have mistaken identity. The three disputes were made on XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have never obtained any services from the company they are attempting to collect for ( XXXX XXXX XXXX XXXX ). I have also tried to contact the original company XXXX XXXX XXXX XXXX and the company does not exist. 
When contacting the Common Wealth via phone they refuse to discuss the matter unless I provide personal information via SSN and Birthday. 
My primary request to Common Wealth is to provide information of identity or any type of signed contract as they have the incorrect person. 

As previously stated I have never received services, agreed as a guarantor or received statements from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened up my Regions bank checking account in XXXX GA on XX/XX/2021 and everything was fine, the minute I went down south on a job assignment for the XXXX  for a few days and deposited XXXX $ into my Regions account yesterday afternoon on Friday XXXX, one of the employees fraudulently called in and posed as me and had my account frozen for NO reason. It was discrimination. They asked me what was my business in South Carolina and I told them I was on A XXXX XXXX XXXX and they waited 24 hours then froze the account Saturday morning XXXX. They faked a call from me to the help desk and had it frozen for no reason.

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 2021-06-05 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: IL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I haven't received a response yet. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days, so the items should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed some incorrect information. Currently XXXX XXXX company is reporting wrong and inaccurate information in which I want to be removed from my credit report. I feel that this account is adversely affecting my credit report and would like to get this checked out. As of now on my Transunion report XXXX is showing an incorrect last payment date of XX/XX/2019 when XXXX  is showing the date of XX/XX/2019. XXXX  is also showing a balance while Transunion is not which of course means that the information reporting is inaccurate and needs to be removed from each credit bureau. If in fact upon your investigation you see that my statement is accurate I would like to get the account removed from my report. 


I also want to file a complaint against XXXX XXXX in regards to my student loans. They are reporting late payments to the credit bureaus when in fact all of my student loans are being deferred. I too also would like to late payments to be removed from each credit report as they are also reporting false information.

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 2021-06-05 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: Nelnet, Inc.
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed some incorrect information. Currently XXXX XXXX company is reporting wrong and inaccurate information in which I want to be removed from my credit report. I feel that this account is adversely affecting my credit report and would like to get this checked out. As of now on my XXXX  report XXXX is showing an incorrect last payment date of XX/XX/2019 when XXXX  is showing the date of XX/XX/2019. XXXX  is also showing a balance while XXXX  is not which of course means that the information reporting is inaccurate and needs to be removed from each credit bureau. If in fact upon your investigation you see that my statement is accurate I would like to get the account removed from my report. 


I also want to file a complaint against Nelnet Inc in regards to my student loans. They are reporting late payments to the credit bureaus when in fact all of my student loans are being deferred. I too also would like to late payments to be removed from each credit report as they are also reporting false information.

Company response to consumer: Closed with explanation