vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed inaccurate information on my XXXX, experian and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.

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 2020-10-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed inaccurate information on my XXXX, XXXX  and equifax reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The inquiry occurred without my knowledge and willing approval.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
Received an email this morning from XXXX stating legal action will be taken for debt owed to XXXX XXXX XXXX. They had my personal info including name and SS number. I closed and paid all my dues to XXXX XXXX nearly 10 years ago. I know I do not owe them anything. I check my credit report weekly and have never seen anything pop up from XXXX XXXX or another collections agency. They didn't give any specifics to who they were and signed the end of the email as 'Sincerely, National Credit Adjustor '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: OH

Complaint narrative:
i sent letters out over 60 days ago and still haven't gotten a response back. I feel like they are ignoring my issues because I thought they had 30-45 days to respond.

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 2020-10-29 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Chrysler Capital is reporting erroneous late notation 's on my credit file. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the lates reported. I called back Chrysler to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the lates. The lates are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the lates. I was not late, the company promised to remove the lates and I need them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT MANAGEMENT LP has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted BB and T on roughly XX/XX/2020. In reference to atm issue. I am a 30 year XXXX. I quoted the Frank/Dodd act and the agent denied me access to supervision. Before the agent hung up on me ... With me KNOWING THE FEDERAL LAW AND QUOTING IT ... a supervisor on the corporate escalation department refused legal request for FIRST name and ID number. As I am a five year XXXX XXXX XXXX, I dont do well with a BANK LYING TO MY FACE WHEN I QUOTE FEDERAL LAW. Then on XX/XX/2020. I receive a what I would call an illiterate documented Certified letter. Although this letter was sent to my Dead Grandfather XXXX XXXX, I opened the letter to find out that they have reviewed my acct. as and I dont have millions of dollars deposited into my account. They have TAKEN RETALIATION AND CLOSED MY ACCOUNT, all with no notification, no mention of their blatant violation of us law and callous attack. I Returned their letter as it was not signed, therefore not legal. And on XX/XX/2020. I withdrew all of my funds and left XXXX to keep it active. This was a pure calculated, callous action, as obviously BBT doesnt train accurately or they just dont give a XXXX about federal law. I want retribution for their arrogance and retaliation and blantant offense on someone who knows more than theyre so called customer liar service. Please ENFORCE THE LAW. SO DO SOME DUE DILIGENCE. Listen to my recordings making LEGAL REQUESTS AND BEING DENIED BECAUSE IF EMPLOYEES dont like to lose control of a conversation, THEY VIOLATE THE LAW. DO SOMETHING PLEASE OR ADVISE WHOM I MAY SPEAK TOO. To get ACTION, not words. Thank you in advance for your time.

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 2020-10-29 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2020-10-30 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: OH

Complaint narrative:
Experian is using the purpose of credit reporting to provide own business profits without tending to customer needs or authentic credit derivability. 

The information present on the report is never updated and showed incorrect amounts and balances. Moreover, it does not report all of the accounts. This seriously affects the credit ratio and provides a defamation to the rights of consumers. 

Please check into their calculation formulas. Their formulas never match any of other bureaus and include " Experian Boost '' to unfavourable add more credit which in fact is another " liar '' that it does not reflect in real score. 

This matter needs to be reflected to AG 's office and other Banking monitoring fraud alerts.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
After deciding to check my account balance I noticed some unauthorized purchases and immediately brought them to the company 's attention to file a dispute after waiting for the dispute results to be determined first thing I get was an email stating my dispute had been denied followed by another email telling me that my account had been suspended due to member violations 22d. I attempted to contact the company find out the reasoning behind this thing is how none of my actions could be the cause and resulting in this sort of dramatic action taken. I do not have access to the website I do not have access to the app upon calling customer service reps all I am told is I need to write a letter to a PO box and that is all the information I am given. Completely unsatisfied with that answer I returned a phone call back to customer service and requested to speak to a floor supervisor they representative told me they would inform me exactly the same information that I had already been informed and I immediately told them that did not matter I wish to speak to the supervisor on duty. Eventually the supervisor did accept my phone call and as told they would do told me the only information I was able to get from them was a PO box . Understandably I write as I was I told them this was completely unacceptable and my funds and access to them needed to be returned immediately and that writing a letter to a PO box was not any way for a financial company to handle a dispute from a customer of theirs for 5 years. The supervisor did tell me that they would flag my account and ask for it to be reviewed for the funds to be released and that I could call back in two business days to find out if it had been accepted or not when I did so define two days later nothing had changed and it began the entire run around process again. Now I did write a letter to said PO box and have mailed it off my issue is why do I not have access to any of my funds. I am unable to take bills I am unable to get food from my home I am unable to do anything at all. There is no human Representatives that you are able to talk to no live person only the option to write a letter to a PO box in hopes that your funds may or may not be returned to where they belong. 
this is not the first time this has been an issue with this company after researching online I have included other publications from other customers about the exact same answer the same company in the same 22d reference this has got to stop or American Express should remove their name from this company and it's affiliates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I applied for & requested forbearance related to Covid-19. In XX/XX/2020 I requested an extension due to unemployment related to the COVID-19 pandemic. Rushmore states they offer forbearance in 90 day increments & that it is possible to request additional 90 days and that I would be contacted within 10 days regarding the matter. However, what I received next was a certified letter stating my home was in foreclosure with a sale date already set for XX/XX/2020. Thats one of my complaints. The other is my home was in foreclosure with a sale date of XX/XX/2020. But Rushmore cancelled/ withdrew that foreclosure/sale date then the pandemic hit & as I previously said I feel they put it into foreclosure wrongfully due to Cares Act and their forbearance policy related to Covid 19. But I also feel it was wrongfully put into foreclosure because they withdrew the foreclosure in XX/XX/2020 and I live in the state of Ga and according to XXXX. XXXX Ga code XXXX. XXXX the withdrawal should have reinstated the indebtedness on the terms & conditions existing prior to the acceleration and furthermore if they were to choose to foreclose at a later time there were certain rules they should have followed, certain notices I should have received & if I applied for forbearance I did not violate the contract or miss 120 days of payments which by law is the amount a mortgagor must be behind on before foreclosure process can begin. Thank you for your time and attention to this unjust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: OH

Complaint narrative:
I sent letters out over 60 days ago and still haven't gotten a response from anyone. These clowns have been past there 30-45 day timeframe. I feel like they are ignoring my letters.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.

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 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXX XXXX appeared on my Transunion Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted Transunion to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry ( XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXX XXXX in order to get the hard inquiry removed from my credit report. I then contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my Transunion credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXX XXXX could do, as no information was available at that time. I requested credit freezes with Transunion, XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXX XXXX  again on XX/XX/2020 at ( XXXX ) XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXX XXXX XXXX lending partner, XXXX, and was subsequently connected to XXXX at ( XXXX ) XXXX. As I write this, I have been on hold with XXXX for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither XXXX nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and XXXX and XXXX XXXX are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am a veteran and the only one working is my wife and my mother in law which her name also appears on mortgage and on title. As all of us have been affected by COVID19 in addition i have XXXX  XXXX from the time i was in the XXXX and i have a letter from the XXXX XXXX doctor which confirms this. We have attempted to work with Selene Finance for over two years and they refuse to help and now this year is when they knowing that we were affected with the pandemic financially they went ahead as place our house for sale. This company Selene Finance ) refuses to call or help in any way instead they have set up a sale date now during this difficult time. we have submitted a complete file with the little income that my wife is making and the social security income which is what my mother in law receives. Selene continues to delay the process with our attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX has emailed the attorneys XXXX XXXX legal many times and each time they are back and forth without a care that we may lose our home. We need this reviewed by CFPB please we need help. Also my loan belonged to XXXX XXXX however for the sale date the attorney made a change to remove my loan from FHA XXXX XXXX to avoid helping us for COVID19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I sold my car to XXXX on XX/XX/XXXX, XXXX sent a payment in full to Ally on XX/XX/XXXX which they cashed. They did not apply it to my account to pay off the car as it was intended, instead they pocketed the money and claimed there was an issue with the check even though XXXX and I had evidence of payment received and processed. 

I called Ally 3 times a week and talked to someone whos was always outsourced and never on-shore, they kept giving me conflict of information and now, my credit is showing 30+ Days late when I already paid the car completely off 2 months ago! 

This is the tracking number for the {$22.00}, XXX check I sent out : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX bank is reporting a debt collection that 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