vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: NC

Complaint narrative:
I pulled my Experian credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/2020 I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, 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 2020-09-11 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:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have been contacted by, to date, 8 different collection agencies who are attempting to collect a debt on behalf of XXXX XXXX. The problem is that I DO NOT and have NEVER had an account with XXXX   XXXX. All of these agencies have investigated this and determined that I did not, in fact, have an account with XXXX XXXX and that my identity may have been used to establish this account and have closed their files and returned the account back to XXXX XXXX. XXXX XXXX ignores the investigation findings and then sends the account to a different collection agency and the process starts all over again. 

Currently, I am receiving calls and letters from 2 completely different collections agencies, at the same time, both stating they are working for XXXX XXXX and they are the proper one to be handling this account. Both have been advised this is not my account and that I DO NOT nor have I ever had an account with Dish Network. How is it even legal for two completely different collection agencies to be trying to collect the exact same fraudulent debt at the exact same time? 

I have gone online to XXXX XXXX 's site and completed the identity affidavit numerous times, which they keep telling me will bring a resolution once and for all, but that only seems to get this fraudulent debt sent to another collection agency and the process starts all over again. 

I am attaching the letters from both current collection agencies as proof there are in fact 2 different agencies attempting to collect this fraudulent debt at the same exact time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

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 2020-09-11 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: FL

Complaint narrative:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Municipal Collections of America Inc.
State: IA

Complaint narrative:
On XX/XX/2020 at XXXX, XXXX XXXX XXXX MCOA called me about a debt collection. They could not provide me with my address and told me they had been sending letters to a different address. I told XXXX to not contact me further over the phone. I followed up the conversation by emailing their information line which was provided to me over the phone and told them to not continue soliciting me over the phone but instead mail any future communication. On XX/XX/2020 at XXXX, XXXX XXXX from MCOA called me about this debt collection. When I asked them what MCOA stood for, they disconnected the line. I then called the number back and informed them of my prior request to not be communicated with and confirmed that they were not calling to inform me they were ending communication with me or pursuing legal action. They have also conducted multiple back-to-back phone calls and when I attempt to screen them with my phone which allows for a transcription, they disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, {$2800.00} was charged to my Citi credit card by XXXX GA. Although I was a XXXX customer, I was a customer in Illinois and this was not my normal monthly billing amount of approximately {$250.00}. I disputed this charge with Citi and it was removed. 

On XX/XX/XXXX, {$3200.00} was charged to my Citi credit card. Again this was the fraudulent XXXX GA charge, however Citi only temporarily reversed the charge and informed me that this was a " real '' XXXX bill. I believe that being a real XXXX customer gave them that conclusion. Although I have on two separate occasions supplied them with my billing history from XXXX showing this was not my account, they continue to insist that the activity is real. I have called countless times to discuss this with both Citi and XXXX over the following 14 months to follow up with any requests from Citi. I was told several times that " investigators '' were " looking into '' the dispute and that they have concluded it was a real charge. 

On XX/XX/XXXX, I was informed that the name on the XXXX bill provided to Citi to substantiate the charge was " XXXX XXXX '' ( spelling was not provided ) and the address was in Louisiana ( again my real billing/home address is XXXX ). It is worth noting that I have been asking for this information repeatedly and was promised it would be sent. It never was and only supplied to me over the phone this one time. After this revelation, Citi apologized for the issue and stated that the charge would be removed in 7-10 days. I followed up on XX/XX/XXXX and XX/XX/XXXX to inquire as to the status. 

During the XX/XX/XXXX call Citi to report this to the FTC which brought me 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 monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My Capital One credit card was frozen. My payment was due XXXX XXXX, 2020. I made a payment today, XXXX XXXX. The lateness of my payment is my fault. However, when I called the automated service to make that payment, the automated voice said nothing about my account having been suspended. In fact, the automated voice told me I had {$6400.00} available for purchases. Okay, I thought. I made my payment. It was confirmed, and I hung up. However, when I later tried to make a purchase that same day, the card was declined. I called the company 's automated service again. I got the same info : account balance, amount available for purchases. Nothing about a suspension. 

A customer service rep subsequently told me the account had been frozen because the account was three days late, and that it wouldn't be unfrozen until XXXX XXXX. eastern time the next day when the payment I had made with an automated check from my local bank checking account posted. When I asked why the automated service says I had {$6400.00} available for purchases when in fact I did not, the rep had no explanation. 

Capital One needs to upgrade their automated service. Getting declined by a vendor is embarrassing, especially when the credit card company 's automated service says I have credit available for purchases and says nothing about the account being frozen. How am I supposed to know? The automated service is lying to its customers and misleading them, in my case, into thinking it's okay to use the card. This is deception. Furthermore, when you make an automated payment, it's not instant. It won't post until midnight, and then it's another eight hours until the account is updated and the freeze is lifted. This long time delay is unacceptable. No matter how hard I tried, Capital One kept giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.

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 2020-09-11 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: NY

Complaint narrative:
I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and 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 2020-09-11 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: NY

Complaint narrative:
i was at the end of lease on my XXXX XXXX is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in XX/XX/2018 i had five payments that were late. i went to XXXX  XXXX  in XXXX  XXXX ny and the manager a got a print out of the thirty six month schedule, not one payment was late. i sent copies of the true documentation to XXXX XXXX  and experian. not one thing has been done to correct this false and agregeous action by either agency or corporation. 
this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.XXXX  reports are not the same months as experians.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that experian is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions

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 2020-09-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2020 I telephoned Equifax to lift a freeze on my account in order to have my new mortgage company obtain my credit information in order to refinance my mortgage. The detailed process took at least 39 minutes and I was assured the freeze was in place until XX/XX/2020 and given a confirmation number. 
My mortgage company was unable to get my information from Equifax and I tried several times on XX/XX/XXXX to get someone to confirm my account was no longer frozen. 
I was on the phone with them for hours and ultimately they were unable to help me even by using my previous confirmation number. 
Many times I called and was told their systems were down. 
Given their recent data breach, they are obviously being extra careful but from what I see on line, their inefficiency is making it impossible for people to conduct business. 
Both XXXX  and XXXX  were easy and efficient and lifted my freeze immediately. 
Because of the mess at this company, I may not be able to get my mortgage refinanced as they demand reports from all 3 companies.

Please consider putting Equifax out of business and finding another company. that can provide efficient and trust-worthy information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was laid off in XXXX from the events industry - an industry that is still not allowed to open as per mandates from state and local governments. I have lost over {$100000.00} in expected income so far this year. 
I have been in regular communication with Citibank since this lay off and have kept my account current until XXXX, when additional relief expired from the federal government. As state unemployment is not enough to cover expenses, I contacted Citi and signed up for a two-month deferral of payment due to COVID. 
I have now passed that two month period and have received a notice my account is past due and I owe {$2200.00} minimum. I contacted Citi ( XX/XX/2020 ) to find out what I could do to keep the account current and make a reasonable payment - again I am out of work and not allowed to work as per the government. 
I was told I had two options : 1 ) a " catch-up '' program I could enroll in, where I could make $ XXXX/month payments for 6 months and then resume full payments. Interest and late fees would still accrue. 
OR 2 ) a negotiated payment program with reduced APR and no late fees, but that would close the account. 

I asked to sign up for the catch up program and was transferred to another agent. Upon speaking to that agent, they told me something completely different - ultimately my only option was to pay $ 2200+ to bring the account current, or close the account and go with the second option. 

I am just trying to keep this account current and work with Citi during this time. It won't last forever and work will return. Instead, Citi has decided that ruining my credit or driving me to bankruptcy are the only two options. 

Again, I am willing to make payments that I can afford right now until this gets worked out - either the government gets their act together, or I am able to get back to work - also contingent on the government. With these type of options from a major bank, I don't know what they expect people to do?

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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX  account with XXXX balance & showing collection status was included in bankruptcy filed XX/XX/XXXX & XXXX in XX/XX/XXXX. I have disputed with you previously, and after months of waiting and going around about this issue, you found in my favor & updated it to included in bankruptcy & zero balance. The very next month the entry showed a balance and collections status again & I disputed again. You deleted the entry completely. I was just notified yesterday that another dispute was opened for the account but I never requested a dispute, so I called and asked you to delete the disputes because my credit report was fine with your bureau and looked correct. You assured me the disputes were deleted, but this morning when I checked my report you have processed the dispute that I didnt initiate and as a result the account is showing up on my credit again and it is showing in collection status with an XXXX balance again?! I called & talked to a rep who said he can update it back to included in bankruptcy again but I need someone to make this account stop coming back and tanking my credit every month. Please delete or block this account from being able to be added back or changed and please block any disputes from being able to be initiated unless I call and request myself. This was fixed and now I am back to square one again. These are old accounts that have no reason to be edited at this point once they are corrected. I have attached a copy of the previous dispute where you deleted the entry and a copy of the recent dispute that I did not initiate where you added it back.

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