vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: MI

Complaint narrative:
I am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
Account : XXXX XXXX Bank XXXX XXXX XXXX. XXXX # XXXX. XXXX Bank # XXXX. XXXX Bank 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 non-monetary relief
Consumer complaint received 2022-08-12 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: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2022-08-12 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: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I set up automatic monthly payments for a little more than my regular payment when we first got our vehicle, intending for the extra to be applied to principal. This is an option on the auto enrollment form. My regular payment is {$700.00} and I pay {$750.00} per month. This month I received a letter from PNC saying that I was paid ahead and wouldn't be receiving a statement for XXXX. I called the phone number provided and they said they would take last month 's payment of {$750.00} and apply it to principal which would roll my next payment due date back to XXXX and my auto withdrawal would resume. I agreed to this, but when I inquired about how the extra I pay every month could be applied to principal moving forward and not to the next payment due, I was told that was not possible to set up. I intended to be reducing my principal every month and thought when I enrolled in auto payments this is what would happen. When I complained the phone went dead .... there was literally no response. I feel mislead and that I am being penalized for wanting to prepay my loan a little at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a Bank of America credit card with XXXX XXXX XXXX XXXX logo, I believe VISA. 
I never applied for this. 
Bank of America was called and said they see this application was made and will delete it and for me to destroy the card. 
Which I did. 
How can this happen when my XXXX Credit Reporting company has been frozen, by me, for the last few years? 

Thanks for the assistance, good weekend. 

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 non-monetary relief
Consumer complaint received 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I got paid for my XXXX XXXX claim and as soon as I got paid someone did an unauthorized atm withdrawal without my debit card and took all my money that I need to put food on my table. Ive never let anybody use my debit card and has always been safe in my wallet with all my other debit/credit cards so someone did debit card fraud on my account without using my card. Ive only ever used the debit card at the Bank of America located in XXXX ca to withdrawal the money and transfer over it to my other bank but when i went to do that on XX/XX/XXXX the money was already gone I really needed that money but Bank of America says it will take 90 days to investigate but I dont have 90 days I need my money right now

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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: WA

Complaint narrative:
In XX/XX/XXXX, we booked a XXXX hotel through XXXX for a stay in XX/XX/XXXX. We paid in full at this time. We stayed at the hotel and after our trip we were charged {$1700.00}. We should not have been charged anything at this point as we had already paid in full. I called XXXX and had them investigate and they found no record of this transaction anywhere in their system. I have spent the last 12 months trying to work with US Bank to resolve this charge and they have been entirely unhelpful. Numerous times they told us they have sent out paperwork for us to fill out and return. We never received anything in the mail from them. Finally in XX/XX/XXXX, I found out what paperwork they needed and immediately sent it in. I called a week later to check that they got it, and it was confirmed that they had received the paperwork. Then next thing I hear back is in XX/XX/XXXX claiming that too much time has passed to resolve this charge. Meaning that they sat on this case, while possessing everything they needed to resolve it, for three months and did nothing with it.

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 2022-08-12 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: NJ

Complaint narrative:
I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per Experian reps.i was told they will not be doing a reinvestigation into this dispute. Experian told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX, XXXX, EXPERIAN have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently 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 2022-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collection Specialists, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX received a statement from XXXX XXXX 's office- XXXX XXXX Interventions for a procedure he performed. Bill was {$500.00} On XX/XX/XXXX I spoke to XXXX in the billing office. She told me the office would be accepting the payment already received from my insurance and that I was not responsible for the charge. 

On XX/XX/XXXX I receive a letter from Healthcare Collection Specialists ( HCS ) saying I owe {$1200.00}. 

On XX/XX/XXXX I respond via certified mail to inform the company that I had spoke to the office in XXXX and was told the matter was resolved. In addition I had no bills indication how the amount went from {$500.00} to now {$1200.00} so as far as I was concerned this was not my debt ( Copies attached for your reference ). As of today, XX/XX/XXXX, I have received no response form HCS. 

This morning I received an alert that a negative comment was placed on my XXXX credit report ; which I am disputing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted XXXX Transunion and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted Equifax XXXX and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Shellpoint servicers # ( XXXX ) XXXX I'm am currently a XXXX veteran with XXXX XXXX. After Covid-19 forbearance my loan was placed in a modification with a company called XXXX # XXXX. I was supposed to pay 3 trial payments of {$1100.00} in which I actually made at least 5 payments on 2021 They we're supposed to send my final modification papers but they did not send them instead they sold my loan while I was in the middle of my modification to acompany called Shellpoint. Shellpoint sent a statement requesting that I pay them an inflated amount of money. I wrote them a debt dispute letter to which they sent me the same letter just saying they were my servicer and I owed " x '' amount of money. I then went back and sent them papers showing my old loan amount and that I had actually been in Covid forbearance and then modification. They sent me papers asking me to pay them {$1200.00} or so dollars which was more than my agreed amount with XXXX XXXX and saying that I had to start trial payments with them all over again. Which was ridiculous seeing that I had already completed these. They sent me papers as well saying that my estanged spouse who is not on my mortgage loan ( is on title ) had to sign the modification with me in front of a notary. 
I explained that he was XXXX  to myself and to my children and somewhere out XXXX and I do not have an address for him nor feel for my safety that I need to bein my room with him. Their agent told me, " well you need to find him and be in the same room with him in front of a notary and sign and send us the papers '' .I told them that I could not do that and I though it was shameful that they would want to put my life in harns way. I attempted several times to have someone call me and left messages but I never got a call back. Finally I called them again and was told not to submit any workout paperwork to them because it would be denied and that they would no longer accept money from me unless it was the total {$40.00} something XXXX from being in Covid-19 forbearance. I received a letter saying they were going to foreclose on my property to which I sent a debt dispute letter to the law company called. They send me some papers from something I supposedly signed with XXXX bank years ago. I don't know what that had to do with Shellpoint or XXXX.They foreclosed recently and denied a seller that wanted to buy my home. Now they want to also give mean eviction on my credit plus the foreclosure. It's a nightmare. I have XXXX kids with 2 being XXXX. Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
EQUIFAX Validate this account that you stated verified, you Equifax have not responded to this as you claimed on CFPB complaint XXXX XXXX XXXX  so you know I will be filing with the TX attorney Gen, FTC, because I see that the CFPB lets you go around anything the consumer needs VALIDATE this account that you verified Your name, your employee ID #, contact information Whom you talked their name, their employee ID # what was said on both parties IN DETAIL the time and date, anyone else you had contact with their names contact information employee ID # what was said in detail copy of original contract with my signature on it who they may have sold the account with my signature on the sale a copy of the sales contract. under15 U.S.C.1602 { f } my social security Number was used in a transaction and you state that the above named company is the original creditor FALSE my ssi card number is a credit card look it up that makes myself the original creditor and have full control under the above U.S.C . code making the account you are reporting a fraud XXXX XXXX XXXX IS A DEBTOR under15 U.S.C1692e { 2 } read it!, validate this debt

Company response to consumer: Closed with explanation