vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: ERC
State: NE

Complaint narrative:
A collection account was removed from my credit report from Enhanced Recovery Company. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with CashNet was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.

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 2020-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have 75 or 76 qualifying payments on all of my student loans for public loan forgiveness. I submitted a certification form on XX/XX/XXXX. After that form was reviewed all loans were updated to state that my qualifying payments were either 75 or 76. In XXXX of XXXX I received notification that my qualifying payments on loan series 9 was now only 70, however no reason was given. When I called and spoke with my lender Fed loan they stated that there were 3 educational forebearances on that account despite the fact that I XXXX  in XX/XX/XXXX and had not enrolled in XXXX XXXX   school since then ( I did enroll in XXXX credit hours of XXXX XXXX in XX/XX/XXXX ). I was assured this would be corrected. Since that time every time I check my account the qualifying payments on loan series 9 varies from as low as 64. Every single time I check my account the number of qualifying payments changes on that loan. Sometimes it is 64, sometimes 70 but has never returned to 75. I have been notified the educational forbearance has been removed but the counts have not been corrected. I have emailed FedLoan multiple times and have called multiple times yet this has not been corrected. I have been told I need to wait for a formal recount which previously took over a year for me to get. I have gotten no responses regarding rectification despite multiple emails. My qualifying payments should not change weekly and should be corrected to 75 as I have always paid all of my loans on time and not selected one loan to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery continues to report a fraudulent account on my credit report and continues its refusal to correct this matter. I have made a previous complaint with the CFPB complaint number XXXX and provided supporting documents regarding my claim along with proof of delivery via USPS certified mail. The attachments include my letter to Portfolio recovery disputing the alleged debt along with a copy of a completed FTC ID theft report and police report. Portfolio recovery responded to my complaint by denying any receipt of a completed FTC fraud Affidavit and police report even after providing delivery confirmation. Portfolio recovery also denied changing the account number for purpose of deceiving the credit bureau into reporting a blocked collection account, yet the collection is still being reported on my credit bureau report with a different account number other than the original disputed account number which was blocked on my credit report per [ 15 U.S.C. 1681c2 ]. 

THIS COMPLAINT INCLUDES ATTACHED COPIES OF MY FTC FRAUD AFFIDAVIT AND POLICE REPORT ALONG WITH THE DISPUTE LETTER TO PORTFOLIO RECOVERY AND PROOF OF DELIVERY VIA USPS CERTIFIED MAIL ARTICLE # XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery is not being truthful in its response to my previous complaint and did infact receive these items and sign for them. Please review attachments to verify my claim before accepting portfolio recovery 's denial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.

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 2020-05-27 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: CA

Complaint narrative:
I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

XXXX  XXXX XXXX  or First Financial Asset Management Account # XXXX XXXX  First Financial Asset Management Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
on XX/XX/2020, I was aware of the fraud I was involved in by sending money through my XXXX XXXX account ( Zelle ) to another Zelle account. The payment made was for a lease on a house. The total amount was XXXX. The house was a fraud and the people never gave me my money back. I have their account number and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
Company states the debt is from XXXX from an emergency room visit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on Equifax # XXXX ; There is a account on XXXX I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 compliant will serve as notice to Equifax that a lawsuit will be filed against you. On XXXX, XXXX, 2020. I requested Equifax to please research and investigate a problem on my credit report involving an account : XXXX XXXX # XXXX This account above is listed on my credit report as fraudulent and does not belong to me! Equifax sent me a letter 30 days later that arrived to me on XX/XX/2020 saying that " Equifax has verified - XXXX/XXXX  XXXX # XXXX - account belongs to me. '' I send out another letter on XX/XX/2020 to Equifax for the method that Equifax used to determine its findings. As per the FCRA, I requested for Equifax to send me this information within 15 days based on the information it used from the previous 30 day investigation. 

Equifax still has 15 days to send me these finds per the FCRA from the date received. Per the XXXX Tracking ID : XXXX from Certified mail with return receipt, this letter was **DELIVERED & SIGNED, XX/XX/2020 XXXX pm, XXXX , GA, XXXX. 

Equifax has until XX/XX/2020 to send this request per the FCRA. 

Today, XX/XX/2020 I received a letter from Equifax stating that they could not match my information per Category 1 ) IDENTIFICATION, and I needed to send my social security card in with ID. 

On XX/XX/XXXX, and XX/XX/XXXX, a drivers license along with my social security card was submitted with my requests. 

Equifax is showing that they WILL NOT investigate my request per the law as this information was already sent. THIS IS A VIOLATION. 

All correspondence from Equifax has been recorded, and will be used in my lawsuit against Equifax for violating my rights under the FCRA. 

Equifax this is my FINAL request for you to DELETE this fraudulent account that does not belong to me by XX/XX/2020 or send me the information that Equifax used to verify this fraudulent account by XX/XX/2020 or a lawsuit will be filed against you! 

Attached files will show all letters send by me that INCLUDES my drivers license and SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
My wife and I bank through Simple Bank, which has BBVA USA as the parent bank. On Wednesday, XX/XX/XXXX, my wife and I noticed that our debit cards were either declining or saying that the cards were not authorized. We had attempted to use the debit cards attached to our joint checking account. I tried to relocate money to my personal account to see if it was an issue with the joint account. I could not relocate money using either the app or through the web browser. I had called into Simple Customer Support and asked what was going on. I was at that point told that BBVA had suspended our account because they suspected we were victims of unemployment fraud ( My wife and I are currently receiving partial unemployment ). There was no notification issued to us. During the phone call, I was told that the issue would be resolved by the next day ( XX/XX/XXXX ) and someone would reach out to us. I called on XX/XX/XXXX because I hadn't received any updates and was then notified there was no updates for me. I called again on XX/XX/XXXX and was told there were still no updates for me. Today, XX/XX/XXXX, I called and was told there was STILL no update for me. Because my account is suspended, I have XXXX access to my money, bills can not be pulled ( I had authorized two utilities to be pulled prior to the account being suspended ), and unemployment/paychecks can not be deposited. We have a few XXXX dollars in savings in this account so money shouldn't be an issue for my wife and I, but now we are going on a week with XXXX access to this money. My wife and I need to eat and we need to put gas in our vehicles in order to get to work. We are not victims of fraud and this issue should have been able to be resolved much sooner. We have not been given any updates regarding how the investigation is going or when it will be resolved. I have made attempts to have Simple Bank temporarily unsuspend our account or have them manually move some of my money into my personal account ( which is not suspended ) so I at least have some form of access to money. I was told that they can not do that. All communication has been via phone and I don't have any phone recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion keeps reporting an account in collections that was settled in XXXX. The creditor has sent letters and they do not delete it. I have the letter they have provided. I have sent the letter with multiple attempts to get it updated with he right information

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 2020-05-27 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. XXXX bank did not apply my payment correctly. They also did not pay the insurance that year. XXXX bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames XXXX bank. I contacted XXXX and the state that I have complain with sml or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. XXXX. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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:
2nd request, and as per credit bureau my documents weren't received, I am resending my FTC and identification

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on XXXX  # XXXX ; There is a account on TransUnion I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.

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 2020-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I put in my complaint on XX/XX/2020 to Experian about the mistakes on my credit that I never got any results from when I sent it. I gave a copy of my ID to prove it's me and still they said they don't think it was me. This was after they said a week earlier that they would investigate. It is me and they are trying not fix the mistakes on my credit. I have right to dispute these things. I am sending everything again including what they said to my complaint.

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 2020-05-27 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: MO

Complaint narrative:
After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of EDXXXX XXXX {$6000.00} 5 ) Dept of EDXXXX XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 )  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