vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 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: OH

Complaint narrative:
On XX/XX/2020, I disputed items on my Transunion credit report ( see attached letters and certified receipts ). On XX/XX/2020, I received dispute results from Transunion. Two items were deleted as requested, a phone number was added, a address remained, and information was updated. However, Transunion did not provide me with their method of verification as requested on XX/XX/2020. On XX/XX/2020, I sent another letter demanding to see verifiable proof with my signature on it ( see attached proof ). Under FCRA 611 ( a ) ( 7 ), Transunion was suppose to provide me a description of the procedure used by there agency in providing all information to the creditor associated with my earlier dispute on XX/XX/2020 in which Transunion failed to do. Based on FCRA 611 ( a ) ( 2 ) ( B ), Transunion were required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. On XX/XX/2020, Transunion wrote a letter stating they have verified the information through the data furnisher, but failed to disclosed who the data furnisher was as requested initially on XX/XX/2020. I have yet to hear from them regarding the other disputes in question.

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 2020-11-08 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: CO

Complaint narrative:
There is a glitch in my credit file at Equifax. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use equifax and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my Equifax credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the Equifax guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to equifax for the last couple of years. Its not fair to have my life on hold because equifax will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? Equifax should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault equifax cant fix the glitch in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: CO

Complaint narrative:
There is a glitch in my credit file at XXXX. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use XXXX and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my XXXX credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the XXXX guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to XXXX for the last couple of years. Its not fair to have my life on hold because XXXX will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? XXXX should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault XXXX cant fix the glitch in my file.

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 2020-11-08 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: FL

Complaint narrative:
This has been an ongoing dispute since XXXX where XXXX XXXX has attempted to defraud me out of money. They not only refuse to provide any documentation that any money is owed, but Equifax refuses to provide any documentation as well. The disputed issue is now 7 years old and is required by law to be removed from my credit report. To stop the removal the date of the dispute has been fraudulently changed by Equifax to XXXX. Both other credit bureaus have removed the fraudulent information. 
Your bureau has investigated this before and had it removed, as you found there was no basis for XXXX Claim. I an asking it to be removed again for like the 3rd or forth time. This is clearly a violation of the Fair Credit Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from PayPal XX/XX/XXXX. Second inquiry is from XXXX XXXX XX/XX/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 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The original complaint filed against XXXX XXXX and XXXX XXXX Solutions COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt XXXX XXXX and XXXX XXXX XXXX as of XX/XX/2020 has not allowed me to validated or verify the debt they claim I owed and stated to the CFPB all collection will cease until it has been, as of XX/XX/2020 this has not happened. This debt was disputed with equifax and it still being reported by them as a collection debt when all collection has been ceased ... 
The Fair Credit Reporting Act ( FCRA ) gives Americans the right to an accurate and complete credit report. This information I have found to be, incomplete, or inaccurate information on my credit report, I am and have disputed it with the original creditor and the credit agency listed above and demanding it to be removed ASAP copy of the original creditor response to the CFPB is enclosed and of record ... 

According to the FCRA, inaccurate, incomplete, or unverifiable information must be removed. 


EQUIFAX reported by emails around XX/XX/2020 and reported The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # - XXXX The results are : We have verified that this item has been reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX CREDIT FILE : XX/XX/2020 Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Credit Plus Inc
State: PA

Complaint narrative:
I noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from XXXX XX/XX/XXXX. Second inquiry is from Credit plus XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC
State: MS

Complaint narrative:
XX/XX/2020 started process of purchasing manufactured home from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They refuse to give us the cost of the home we chose. We were told that they couldn't give us a price until we have been approved for financing. XXXX XXXX XXXX, XXXX Sales person XXXX XXXX requested many financial documents from us, which we provided. Then another person from XXXX XXXX XXXX XXXX requested the same documents. Then we got requests for the same documents from XXXX XXXX AmCap  Mortgage, Ltd. XX/XX/2020 we put down a deposit of {$1000.00} went over options, were sent a list of options we chose that was incorrect, and were told things that come standard were optional extra upgrades. We felt we were getting the run around and contacted another XXXX XXXX dealer in another state. We were given the name of someone higher up that may be able to help us XXXX XXXX who has been putting us off. XX/XX/2020 we paid an assessor fee of {$820.00}. Another person from AmCap contacted us XXXX XXXX and asked for all the documents again including current statements. XX/XX/2020 we asked XXXX XXXX for an update ; his response " I believe the lender is working with the appraiser on some corrections. I don't have an eta for completion ; but, I would think they are nearly done ... '' To date we have had no communication whatsoever from any individuals/entities associated with these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I started the process of refinancing my in XXXX of 2020. It is now XXXX. Every time I ask for an update they tell they are really backed up and will take a few more weeks.They can not give me a closing date. I asked for my application to be refunded and they said they would not. They took my money, provided no service and will not refund. They are holding me and my refinance process hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX I took out a Student loan for {$4600.00} and after I graduated I started repaying this loans out XXXX and after a year or so I was unable to manage the payments long story short on XX/XX/XXXX I ended up paying in total {$10000.00}, or more I dont have records for XXXX of payments, the Student Loan it ended up with INTEREST and FED LOAN SERVICES want me to pay another {$15000.00} in interest fees, this has affected my Credit and I Disagree in the handling of this Loan that started in XXXX for {$4600.00}, this economy back then was very hard to maintain jobs, paying my bills, and a family, I Paid this Student loan in XXXX plus interest and now interest continues this amount of {$15000.00} is an All interest amount, I am sadly deepened that the Government ( USA ) can and do this to citizens, ( students ) they dont have no regards as to this Economy which now is just as bad TODAY AND IN THE PAST, this is just another form of discrimination and its the Government ( USA ) that allows this to go on. This has affected my Credit, score, and Life, I feel taken advantage and dissatisfied for this is worse than loan sharks. I did the best I could during those times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: MD

Complaint narrative:
I've sent numerous letters to Equifax in and effort to fix my credit report. After not responding for several months and after my initial CFPB complaint have still not conducted the investigation not corrected/removed the inaccurate information from my report. This has been going on for over 120 days and I've sent most of the letters certified. Receipts were included in my CFPB complaint but apparently didn't help. To make matters worse I received a letter from Equifax ( I assume as a response to the compaint ) only addressing an account that I did not even dispute with their company and accounts I am actually disputing are still not showing as in dispute status nor have they been removed. This is extremely frustrating. What is the point of having a consumer protection bureau if they aren't protecting the consumer? Just sending my complaint to Equifax isn't working ... they're ignoring my right to dispute inaccurate information on my report and you guys are forcing them to look into it. I apologize for contacting you again but this whole ordeal has been extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: MS

Complaint narrative:
On XX/XX/2020 I received collection alerts from two major credit bureaus, specifically XXXX  and XXXX, that alleged that I owed a debt to AssetCare , LLC in the amount of {$2100.00}. Prior to my request for this company to verify that this debt is valid, I have never been in contact in any capacity with them nor the company that they allege to represent. 

They originally had 5 days to send me valid information that proved this debt belonged to me but instead they frivolously and unlawfully place this item on my XXXX  and XXXX  credit reports causing embarrassment, damaging my reputation in terms of my profession. 

I reached out to the company on XX/XX/2020 and have yet to hear from them as they have ignored my initial request for them to provide me with very specific and crucial information that will adjudge their misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020 my New Mexico unemployment insurance funds were deposited into my paypal account for a total of XXXX XXXX Paypal then limited my account after one transfer of funds to my brother. no other transactions were made. aftyer meeting there proofs of bank, social security, statement from credit card companies and state ids they optioned to close my account for good and hold my money for 180 days. even though no other transaction were made, i have been insulted and suffered financially because of this. i even had my states unemployment office call paypal to confirm account validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
Unactivated my reliacard so I cant use my unemployment benefits. I have done everything I was asked to do. I sent in 3 separate faxes proving who I am based on they're request and my account remains inactive. They have told me it was an address change that caused this but they sent my card to the wrong address and it was returned to first time causing a major delay in receiving my card so they requested a different address and now I cant use my card because of that. I've spoke with numerous people. XXXX and XXXX were the last I spoke with and continue to get no where. This is hurting not just me but my children as well.

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 2020-11-08 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: TX

Complaint narrative:
This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX, Equifax, and XXXX  and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX  has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX  and confirmed the account was paid off, closed, and never late. 

Equifax did respond to my dispute with what seemed like a summary of the correct the information. And on my XXXX XXXX report, the late payment was gone. But then, the next month, it was right back on there. 

Please fix it - permanently this time! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
i received a response from fay servciing want to comment and then add new items. I have no entitlement. but i know there are legal criteria to do property inspections that a bank has to meet before they can just do them. that was not done in my case. i received no communication in fact in XXXX i sent a certified letter fay received stating that i am in the home there is and will be no need to do inspections. I will dispute any and all fees. 
Next, I have asked especially now during the pandemic where there should be and will be laws to protect me from this, i asked for more time to submit 1099 income to complete my review. I am told they may file for foreclosure on XXXX consistent with their right possibly even during these times but certainly not consistent with reasonableness and truly wanting to : help : '' I ask you NOT to assess fees, or file foreclosure on XXXX but otherwise to wait until XXXX at which time i can show another XXXX of income. I will fight any and all fees. lawyers etc. How can this happen during a pendemic where people are XXXX and poeple are jobless? How can i be held to pay all arrears now? why is there no deferment option? i am writing to Governor today as well. Please do not file now. PLEASE. wait til i can submit more income.

Company response to consumer: Closed with explanation