vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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:
Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and XXXX  BOTH conveniently stated that they only received one letter. ONE LETTER!!

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I have tried to settle this with speedy cash but they do not give me options. They then send this email threatening a case against me and to press charges for 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I have been trying to dispute a charge on my credit card for approximately 10 days with this credit card company. This charge has caused my credit to be over the limit & created a high usage credit limit alert from my credit bureau report. I have tried to contact this credit card company numerous times only be hung up on after waiting for 30 minutes to 1hour increments at a time. I was told it takes 7 days to receive a credit back for the disputed charge when a call back is received & when I finally received a call back the general customer service number was left for me to call that has a rediculous amount of hold time & it seems as if I'm never going to get this issue resolved. I even called at XXXX & still was on hold for 45 min never to speak to anyone. 

Also, shortly, before this incident I called & requested to have my name changed due to a divorce I called customer service & told them that I think that I threw the card away that they sent me. In response, they sent me a card with a new card number without my knowledge. The representative did not tell me a new card number was being sent. Which could have caused a number of things if I did not look or get the new account in time so I added the auto pay back & made a payment I'm not sure what happened but my payment was rejected & it says the information was not entered correctly & they charged me a {$39.00} return check fee & returned my payment. & just a suggestion maybe they should add a double payment box where you enter your payment account information twice because it seems as though there is always a reason to re enter/ re set up auto pay for every little change to the account. With this in mind, now I have, a unauthorized charge, a returned payment, a {$39.00} returned check fee & im still over the limit as well as the balance is accumulating interest & reporting as high credit usage. Also, if I decide to make a payment due to the possible clerical error they will hold my payment for 7 days. This, I am unable to speak to anyone in regards to this issue but continue to wait for long amounts of time & then to be transferred.

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 2021-07-19 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: T.S. Holdings
State: TX

Complaint narrative:
I.Q. DATA INTERNATIO is a company reporting that I have NOT paid off {$1200.00} on my credit. I have paid this company, but they are asking me for a total of {$9000.00} to get it taken off of my credit because of another account that is not on my credit. I tried to contact them to have what was on my credit taken off, but they demand a larger amount than what is being reported on my account. I have the payment latter stating that I have PAID IN FULL. But they still will not remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XXXX I submitted a CFPB complaint against Barclay Bank. Barclay 's promised to refund/waive the {$29.00} fee. This fee incurred due to one of my monthly auto-payment being deleted without my knowledge. The bank credited my card however to date has failed to refund the {$29.00} back to the same bank account where the funds originally came from. I provided feedback back to the bank that the funds needed to go back to the bank. They were unresponsive.

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 2021-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Card for individual was opened at XXXX XXXX XXXX  on XX/XX/2021 with a {$500.00} limit. 

I was unaware of this identity theft until months later I checked my XXXX XXXX  account and saw a 200 point drop in my score. Clearly I live in another state from this banks location and have no emails in my personal or work emails relating to XXXX XXXX XXXX. 

Since this became a revolving credit card debt issue there is a {$650.00} balance. I urge to you please open a fraud/identity theft investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXX XXXX, XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXXXXXX XXXX XXXXXXXX. has violated my rights as a consumer and Im requesting legal action to remove this account 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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NE

Complaint narrative:
Fedloan has consistently been inaccurate about my student loans/XXXX and XXXX  since XXXX. They seem to have ignored the fact that I have been working for the State of Nebraska government since XXXX and have never left. They didn't qualify my employment for numerous years since I graduate in XXXX. They have also been incredibly inconsistent with payments amounts when my salary has rarely changed more than a few dollars an hour over these years. All of XXXX appears to be labeled as a not certified employer, XXXX shows only a few payments when I paid every month. XXXX seems to be missing entirely from their record of my payments. XXXX only shows half of the year. XXXX and XXXX is shockingly all accounted for BUT not all the months show up as qualifying payments that go for my XXXX. They even try to say that I had multiple years on forbearance and this is simply not true. Now they are showing AGAIN that my employer is not certified yet, I sent in the form in XXXX and they still haven't gotten back to me on that and it's almost XXXX. I truly feel that with my payments and being enrolled in the XXXX since XXXX, I should almost be done with the program yet they have my account listed as having only 38 payments!!! that is completely absurd and U truly feel as though I'm being ripped off and being stolen from and taken advantage of. Now with XXXX approaching and still not hearing anything from them after repeated attempts to contact them about my account, I feel I have had enough and that it's time to have the authorities look into this situation. I have a huge amount of student debt that just gets higher every single year. I'll never be able to pay it off or retire if they are allowed to continue this type of predatory business practice with me and my account. Please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
Frivolous and misrepresentation of informations sent to three credit bureaus causing me financial injury and economic harm. The information reported by Coast Professional inc to three credit bureaus for {$47000.00} is at 40 % as delinquent is in accurate and violation of Federal Truth In Lending Act and FTC Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I made a complaint. You told me to give the company a chance to fix the problem. 
I received a request for me to sign a second mortgage on my house. A house I have had for 15 months. I only took nine months forbearance. All I should owe is the escrow. XXXX at the most. They are saying I have to sign second mortgage for XXXX or lose my home. How this is a scam! 
I need help. I have a lawyer, but the phone numbers are changed. I can not afford to pay a whole lot of money. Help me get my mortgage straightened out. PLEASE!!!

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 2021-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My VA loan was refinanced in XX/XX/2021. Freedom Mortgage Corporation was the holder when the loan was paid in full. Escrow reimbursement was listed as mailed to me on XXXX XX/XX/2021. When I did not receive the check after 3 weeks I called Freedom Mortgage and was told that I could not have the check cancelled until a month has passed. After XXXX XX/XX/2021 I called again and asked that the check be cancelled and mailed out again. I was told there was a 10 day waiting period before the check can be mailed. It has been over two months since I closed on my refinance and there is {$6500.00} that has yet to be paid to me. If I am expected to wire funds to cover an escrow amount for a mortgage company I would expect a timely reimbursement. If not, I expect to be compensated in interest at my previous mortgage rate.

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 2021-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are numerous amounts of inquiries that I did not authorize on my credit report including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX  has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of XXXX violations multiple times via regular mail and via electronically. XXXX has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a XXXX representative was able to locate my consumer file in their database. XXXX also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

XXXX  was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : The XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory / Collection / Charge-off XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory Chapter XXXX & XXXX Bankruptcy Public Records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account Name : NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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