vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX never late How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from XXXX/XXXX  from dates : XX/XX/XXXX, with Transunion. XXXX kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/2020 complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from Citizens Bank, with XXXX. Citizens kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: IL

Complaint narrative:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX  XXXX never late XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Please refer to Complaint numbers XXXX and XXXX. 

This is a follow up to the complaint numbers listed above. I have one additional document to submit that substaniates check number XXXX, sumitted to XXXX XXXX XXXX, XXXX, on XX/XX/2020 was written, signed and the information on the bottom, top and throughtout the check is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX not late XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: The McHughes Law Firm, LLC
State: TX

Complaint narrative:
I was contacted by the State of XXXX  that the State of XXXX  has a hold on my driver 's license. ( XXXX  pulled my information this year and said I will lose my XXXX  State Drivers License because of this judgment in XXXX. I have not lived in XXXX  for 10 years. I called the state of XXXX  and they said they do not have the paperwork but there is a judgment against me and can not release or reinstate my drivers license until I pay this debt. I was told by the State of XXXX  to contact the Hughes Law Firm  with file # XXXX. I then call the law firm and spoke with XXXX XXXX ( XXXX ) they said they had my file and I needed to put down {$2500.00} and pay {$500.00} a month for the judgment. I then contacted XXXX with XXXX XXXX because I didn't have time to deal with it. XXXX requested the files from XXXX XXXX with the McHughes Law Firm  and he said he doesn't have the paperwork and she could get it from the courthouse. XXXX then asked if she could get a copy from them showing that Hughes Law Firm  is the representative on file for the judgment against me. XXXX XXXX stated they do not have any paperwork to give and I needed to pay the balance. 

To this date I have no documentation on this judgment and I've lived in XXXX  for 10 years and all of the sudden I have a judgment that no one can show me proof but want me to pay it to reinstate my license.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: MD

Complaint narrative:
Experian has allowed a fraudulent account on my credit report, from XXXX, for {$140.00}. The account is not mine. I have no knowledge of this account. I have reported this to Experian. I am asking Experian to remove the fraudulent account 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 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX or XXXX we purchased a XXXX XXXX XXXX for my son. The vehicle has since been paid off. In XXXX my son was XXXX. His daughter is now XXXX and would like the car for herself. I lost the pink slip in a fire and the only item I could locate was an old registration. The registration indicates that Wells Fargo is still the lien holder, as a result I am unable to transfer the title to my granddaughter.

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 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2020 XXXX XXXX  pnc bank was not able to connect with my XXXX  account, preventing transfer of funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off XXXX  XXXX account acct # XXXX to Portfolio Recovery Assoicates LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the portfolio receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more  months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear  grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Portfolio America Asset Management, LLC
State: TX

Complaint narrative:
This company keeps showing up on credit report. I have no knowledge of this creditor, I need help, its obvious its a fraud account. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My name is Ms XXXX XXXX XXXX and my number is XXXX. 



There are 10 transactions for {$190.00} each that was made on my account that needs to be investigated because I DO NOT know this individual. 

I have been trying to get in touch with someone through PayPal about these charges before they reached my bank. The transactions seem to appear after XXXX in the morning when I'm in bed. I did not lend out my debit card nor authorized ten ( 10 ) transactions back to back for the same amount. This is not anything that is normal on my account and I can not reach a live person for assistance. I have tried and still can not get anyone on the phone to handle this issue which began early Friday morning. 

This fraudulent activity could have been caught if someone was available to assist me at the time that I caught the transactions. I would like to have the individual charged for stealing from my account but I don't know where to start and that is why I'm here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$15000.00}, {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
My mortgage company is refusing to work with me on a forbearance or payment deferral due to the government shut down and stay at home orders which prevented me from earning an income. It is privately funded to they do not have to comply with the cares act but should have a moral obligation to work with their borrowers who have been impacted by this pandemic and forced to shut down their businesses and prevented from earning an income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, a written request was faxed to Reverse Mortgage Solutions for them to send my insurance payment premium of {$970.00} to the insurance company. The funds were to be withdrawn from my XXXX XXXX XXXX, which currently has over {$1000.00} - more than enough to cover the premium. 

On XX/XX/XXXX, I received an email from a representative who was responsible for processing insurance request and it stated that she had been laid off the day before and suggested that I resend the fax, as no one might not have seen the initial fax due to her termination. 

On XX/XX/XXXX, instead of faxing the 2nd request, I emailed to XXXX. 

As of today XX/XX/XXXX, the insurance company has NOT received my payment and my grace period has expired along with the insurance policy. 

The request I sent in XXXX was processed but the request sent in XXXX was not.

Company response to consumer: Closed with explanation