vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
Experian has failed to investigate or respond to an initial dispute within its 30-day timeframe regulation. In addition, they have continued to utilize stall tactics to avoid addressing the issues with the items identified in the original and follow-up dispute. I have sent several copies of my SSC, Valid ID, and utility as a means of identifying myself with the dispute. At this point, I would like the incorrect, inaccurate, and unverified items on my Experian credit report to be DELETED. This has become ridiculous and a hassle and I need this matter to be resolved immediately! I have also attached identification to this complaint and my previous complaint and nothing has been done! According to the Fair Credit Reporting Act, According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' However, I have already sent the required identification proving that I am representing myself and need the INACCURATE, INCORRECT, ERRONEOUS, and UNVERIFIED items originally disputed ( XXXX XXXX and XXXX accounts ) REMOVED/DELETED! I will be forced to take further legal actions if this is not accomplished.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a with CAPITAL ONE / SAKS F customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: IL

Complaint narrative:
Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: IL

Complaint narrative:
Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?

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 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from SOUTHWEST CREDIT SYSTEM Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter ( attached letter ). They did not reply to my initial letter SOUTHWEST CREDIT SYSTEM they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC  about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals XXXX Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) SWC System and the credit bureaus reinsert this account which was deleted from my credit report without notifying me in writing 5 business days Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. We know that SOUTHWEST CREDIT SYSTEM are still violating FDCPA, such as using false or misleading information in an effort to collect a debt and sharing information about delinquent debts with unauthorized third parties. If SOUTHWEST CREDIT SYSTEM and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. Are I will proceed with legal matter from FCRA Attorney who has already seen major violation on this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, Bank Of America, on XXXX. XXXX, XXXX, XX/XX/XXXX and on XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I received a call on XXXX at XXXX XXXX  from XXXX that they were trying to verify my address to send me a packet from XXXX XXXX XXXX. I informed caller that I didnt know anything about this so she told me to call XXXX and provide them with a reference number XXXX. When I called and provided the reference number I was told that this was in regard to a collection of an account opened in XXXX and charged off in XXXX and I owe over XXXX. But that I could settle for over XXXX. When I disputed the charge and asked what it was about, the rep told me that he would see me in court. I have no idea what charge this could even be that would be that old. It concerned me because they had my full ssn and drivers license number, address, and work phone. The normal statement about this call being to collect a debt was not read to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was XXXX XXXX scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm Kramer & Frank from a XXXX XXXX XXXX saying my wages will be garnished for this debt from XXXX XXXX. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
I am in the process of building my credit to purchase a new home in the midst of the pandemic as a single mother. I have been working deligently on my credit for months and was highly upset to wake up this morning to see that this company has flagged my credit bureau accounts ( XXXX, XXXX, and XXXX  ) as having an account in collections which has resulted in a 90pt drop to my credit scores! I have never done business with this company and have no knowledge of the account they are accusing me of having or company they are allegedly collecting on behalf of. I haven't received any correspondence ( be it email, mail, phone calls ) about said account and am highly upset that this has been unfairly placed on my credit report. This type of predatory behavior HAS TO STOP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: TX

Complaint narrative:
Per XXXX, Experian, and XXXX  they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.

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 2020-12-16 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: Regional Management Corporation
State: TN

Complaint narrative:
Regional Finance Corp. after charging off an account it alleges belongs to me has continued for the past 3 years to Increase and report the total Balance @ {$2500.00}, by {$69.00} each month from XX/XX/XXXX to present. *They report no Actual Payment Amount, nor Scheduled Payment Amount listed on credit report ; My credit scores have been somewhat consistent for the past few months actually going up, even with charge off, however on XX/XX/XXXX there was a major drop of 32 points due to RMC Balance Increase on my credit report. RMC has financially strapped me via Charge Off, financially gain by write-off debt to IRS and again financially gained with loss via government Pandemic Reliefs. Not only is RMC reporting Account Balance information incorrect ( loan balance, payment amount ), but also Account status incorrect ( showing charged off account, but reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was emailed and invited to open a Citi Elevate High-Yield Checking Account with the following terms : Earn a cash bonus OF {$200.00} How to earn your cash bonus : Open a new Citi ElevateSM High-Yield Checking Account by XX/XX/2020. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. 


On XX/XX/XXXX, I opened the account, setup the checking account as an outside account at XXXX Bank ( including verifying with username/password pair ) and initiated a {$5000.00} transfer. 

On XX/XX/XXXX, I received notice from XXXX XXXX that the ACH transfer rejected. XXXX stated that Citi rejected it. Citi told me to just 'try again '. 

On XX/XX/XXXX, I setup XXXX XXXX  as an outside account on Citi 's website. I verified my XXXX account using my username/password pair. I then initiated a {$5000.00} transfer from XXXX to Citi. 

On XX/XX/XXXX, I was called by Citibank who said I needed to verify my XXXX account to complete the transfer despite having already verified through their website. They then called XXXX with me on the phone and expected me to answer my XXXX XXXX security questions with them listening. I objected and told Citi to close my account. 

In both transfer attempts, the {$5000.00} was withdrawn from my XXXX account. In fact, as of this writing, I have not received my {$5000.00} back from my attempt to initiate the transfer at Citi.

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 2020-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the XXXX data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello, I am a Senior citizen in XXXX County Maryland. 

My problem is not that I cant make my mortgage payment but that Wells Fargo will not allow me to make it! 
I was on their Covid relief sense XX/XX/2020, now I want to return to Making my normal mortgage payments they wont let me. They will only accept the entire amount for all the missed Covid relief months before I can pay the current month. 

I have been trying to make a current payment sense XXXX and only get a run around. They demand documents, I send Them the documents and then they just ask for more documents. It is never ending. They treat me as I were applying for A new loan, I am not, I already have a loan. I have been corresponding with Wells Fargo for 3 months now and am getting nowhere. 

Sincerely, XXXX XXXX Sent from Mail for 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 2020-12-16 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: CA

Complaint narrative:
I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.

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 2020-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On my credit file its has inaccurate information that I have not every submit. It shows a name I never approved for use on my personal information. It is not my legal name. It should not appear on my personal records at all. 

Also known as 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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I was a Bank of America customer for almost 13 years, and after fraudulent activity caused an unused checking account to be closed, Bank of America reported the account to XXXX as " account abuse ''. I attempted to resolve this with multiple points of contact at Bank of America via XXXX, Email, Phone, and Personal E-mail. Today XX/XX/20, I was told by XXXX XXXX of the Client Care Executive Response team that despite the fraudulent activity, they would not remove the report from XXXX even if I agreed to pay to outstanding balance. All of this because I had moved and was not made aware of the closure when this occurred. I understand that I bear a certain amount of responsibility for not ensuring the account was closed prior to this, but they will not even attempt to come to a compromise. They think it is more important to prevent me from opening an account at any other bank than recovering their lost funds which makes no sense to me. Is there ANYTHING you can do to prevent the absolute miscarriage of justice from standing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In my reports a closed account with huge amount of missed payments. American Express is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA American Express has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST HERITAGE CREDIT LLC
State: SC

Complaint narrative:
My loan was sent to court through XXXX county SC. It was disposed on XXXX. Today XXXX the store in XXXX SC contacted me to collect the debit. Isn't this illegal?

Company response to consumer: Closed with explanation