vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: Carter-Young, Inc.
State: GA

Complaint narrative:
For months Since XXXX so now 4 months I have been disputing these errors on my credit report however the companies reposes are nothing short of XXXX. I am requesting according to the laws on credit reporting that they prove validate and verify these findings yet they do not PROVE IT yet they say and claim they have been verified. At this point it is well passed them not proving these items are mine its a matter of them breaking the law and I ask if you can please help me. 

You will see in the letter where I call them out for breaking the law. 

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$3600.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THIS IS NOT A DUPLICATE/NEXT STEP IS STATE ATTORNEY THIS IS RIDICULOUS!!!!! I am the one filing this dispute what are you all talking about!!!! 
I have attached the errors On XX/XX/2020 I sent in a dispute to Experian for XXXX acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation. Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried to access my yearly credit report from Equifax. They stated on record the answer of my personal questions were incorrect I guess and then I submitted request directly providing proof and still could not get access to my report. I am currently working on improving my score and they are one of the road blocks Please see their attached response of which I already submitted sufficient information to obtain my records. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
ON XX/XX/2020, I noticed a debt for {$10000.00} on my credit report for an auto loan. 

After disputing the debt online due to not being given properly dispute information, or validation info XXXX. 

After the debt was still verified by XXXX and listed again on my credit report the next month, I made initial contact with the creditor on XX/XX/2020 requesting to have the debt validated. I had not received an written contact info about the debtor how to dispute it. 

I did not receive a debt validation rights letter at any point in writing after the initial contact from NCB Management on XX/XX/XXXX or XX/XX/2020. Today is XX/XX/2020. 

The creditor has continued collection efforts during this entire period without properly following the FDCPA guidelines and it has adversely affected my credit recently. After suffering multiple violations of my FDCPA rights, this debt needs to be removed immediately. 

All of our calls and interactions were recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.

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 2020-09-14 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: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX  that AES ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per AES 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, AES, reports they show ZERO late entries and have no idea why XXXX  report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.

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 2020-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
For months Since XXXX so now 4 months I have been disputing these errors on my credit report however the companies reposes are nothing short of XXXX. I am requesting according to the laws on credit reporting that they prove validate and verify these findings yet they do not PROVE IT yet they say and claim they have been verified. At this point it is well passed them not proving these items are mine its a matter of them breaking the law and I ask if you can please help me. 

You will see in the letter where I call them out for breaking the law. 

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$3600.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Premier Holdings
State: ME

Complaint narrative:
Mr XXXX from Premier Holdings LLC contacted me and told me that I owe a debt from over 6 years ago for over 800 dollars!, He advised me that I was not allowed to call him and started yelling in my ear saying that I would be arrested or face criminal charges, he wouldnt let me get a word in to ask questions and then started using profanity and threatened to just keep calling my employer! He called me multiple times supposedly and said I refused to return his calls. This call happened on XX/XX/2020 at XXXX AM, after doing research I also did research and found thousands of complaints on the XXXX  website against this guy for yelling, screaming and harassing people

Company response to consumer: Untimely response
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
We were having trouble paying the mortgage before this last time and was kind of forced to sign a contract that doubled the monthly payment and add a balloon payment if we fell behind again. When Covid hit we were behind one month. I called to let Selene Finance know what was going on. I was told to just keep making the payment with the late fees included until we could catch up. So we did that for the next six months until my wife lost her job because of Covid. I called Selene Finance to ask for help they said we would be fine as long we didn't get behind two months and if we did we could just make the double payment and foreclosure wound not start. I lost my job next but my wife started a new job. I called and asked if we could do a modification after I heard that some changes had been made because of Covid. I was told that they were not a bank and that my loan was owned by investors and they only offered certain packages. One being a forbearance plan that would again double my payment. At this point, I started to research Selene and talking to just one person, when she would call me back. I started to ask who the investors were and I never got an answer. Shortly after this on XX/XX/20 I was told that they were going to send me an application for loss mitigation. I started work again and I was not able to communicate with Selene because of my hours but my wife was in contact. She filled out all the paperwork and sent everything in the last thing I heard from the lady was we needed to fill out a couple more things. We never could get back in touch with the lady we were working with. but my wife said she spoke with someone who said they have a special forbearance that came up. It would suspend payments until XX/XX/20 then we would have to pay for six months. It was the same plan and the modification was never spoken of by them again. We were sent another contract to sign and send back. But we have reached out to you first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
please help me with these credited loans sharks I took a {$400.00} dollar 's and a pirate added to the tennis ticket XXXX  office and added interest to me and surcharges for the next amounts of money to be {$1100.00}. thank you for your attention to this point

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 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX   and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XXXX XX/XX/XXXX my car was hit a total loss I was told by the dealer if payoff early then the price drop within the 36 months. Well I only had it almost 4 months bought in XX/XX/XXXX which can with a XXXX security to fix it with secure one somehow this was supposed to be 2 different contract but it wasn't it was with Westlake Financial so as this was settled with the insurance company XXXX the company was paid off XXXX plus XXXX down and the XXXX for the months which was XXXX which add to XXXX plus the XXXX on mechanical insurance they keep which not in the contract why they kept it i call they hang up in my face several time. I ask for management never get. They tell me nobody there and most of all it a total loss and still adding interest rate on a car i have no position of .and in the contract it's doesn't show on a total loss they can take the XXXX dollar it states after a year or XXXX mile which I didn't use also so they didn't follow the contract and still adding to my account makes my credit low and didn't put was paid 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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX Late Charges, {$160.00} Since XXXX, been charged late fees, we pay our mortgage bill on time Our Mortgage is under Bank of America, for almost a year now the Bank have been charging us fees and late fees but we pay our monthly payments on time. When we try to address the issue with the bank, they keep saying they will get back but never and when we call we get officers behaving like telemarketers and dont help but keep you on the phone until you gave up and the charges continue to be posted in out monthly bill.

Please assist us to settle this grave issue which is affecting us especially at this COVID 19 time with very limited resources. 

Your Humble XXXX 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 2020-09-14 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: PA

Complaint narrative:
I was charged late fees for the month of XX/XX/XXXX and XX/XX/XXXX however the bills for XX/XX/XXXX and XX/XX/XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XX/XX/XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.

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