vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
XXXX XXXX SOLD TO XXXX XXXXL THE XXXX XXXX  ON XX/XX/XXXX XXXX DELINQUENCY WAS XX/XX/XXXX SEE EQUIFAX REPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TN

Complaint narrative:
ALL CREDIT SYSTEMS HAVE FAILED ME THEY HAVE NOT REMOVED THESE ACCOUNTS FROM MY REPORTS

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 2020-08-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
ALL CREDIT SYSTEMS HAVE FAILED ME THEY HAVE NOT REMOVED THESE ACCOUNTS FROM MY REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TN

Complaint narrative:
ALL CREDIT SYSTEMS HAVE FAILED ME THEY HAVE NOT REMOVED THESE ACCOUNTS FROM MY REPORTS

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  XXXX reports. If you do not immediately remove these inaccurate and incomplete accounts in XXXX business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, XXXX & Transunion for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. 5 collection accounts on transunion.

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 2020-08-24 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: TN

Complaint narrative:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.

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 2020-08-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a dispute of false account # XXXX. Please explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX-XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, XX/XX/XXXX ) is not my address. My address is in XX/XX/XXXX and previous address in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had been checking my account balance at the atm machine around me throughout the day. When I got home I checked again and it gave me a message its was unable to verify my account so I chose the option to be connected with an agent and he told me I wasnt able to check anything on my card because I had ordered a new card I told the agent that I didnt authorize that and how was that done he said online I then told him I did sign up for an account and have been trying to get access to log on but have been unsuccessful so it was not me who ordered the card and to cancel what was ordered cause I still have my card and I dont need a new one and he then told me nothing can be done about it cause the new card was sent already. And thats when the unauthorized transfers happened on my account. I filed a dispute on XX/XX/XXXX and the date keeps changing every time I call and everything thats told to me also. BofA agents has not done anything for me Ive spoke with agents, supervisors, managers, and every department there is but am still getting no where with my claim I have tried to resolve this matter and I get nothing but the run around from BofA they do nothing but put me on hold and tell me its gon na be handled and taken care of just so I can get off the phone and find out the next time I call they havent done nothing but taken notes. Please help me resolve this matter because I need my money back from BofA ... .they should have a copy of all my conversations with them recorded and they know they are doing nothing for 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 monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2020, I realized by the time I got off work that I had lost my debit card and that there was a transaction of a temporary credit adjustment to my account of {$2100.00}. I was at work the entire day of XX/XX/XXXX. I then logged onto my online banking app and saw that there were various amounts of money taken out of my account at local XXXX 's around town. One transaction was {$300.00}, another was {$500.00} and the final amount was {$1100.00}. I then canceled my debit card, ordered a new one, and changed my pin to ensure my safety. I then proceeded to call about trying to get the dispute off of my account just so no further actions could be done. My bank then proceeded to cancel the claim and start a new one with further investigation. I since then have sent a FAX of my clock in and clock out times at work on the day of XX/XX/XXXX so that they can see that the time those transactions were made, I was however at work and could not have made them. I am currently going to go to the local XXXX 's and request camera footage of the person who used my card so that I can further speed up the process and get all of the negative dispute out of my account.

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CarMax, Inc.
State: MS

Complaint narrative:
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The company received a Notice and Demand to Validate Debt Claim on XX/XX/2020,  according to the tracking info on the Notice. As of XX/XX/2020, no response has been received and the company is well over the 30 days alotted in the Notice and Demand to Validate the Debt. A Fiduciary Appointment was mailed and received by the company on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TN

Complaint narrative:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TN

Complaint narrative:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.

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 2020-08-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed the accounts # XXXX and # XXXX with Portfolio Recovery Associates collection agency multiple times but the issue is still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is now my THIRD complaint. There should only be ONE name on my credit report. XXXX XXXX. ONE address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Having other names and addresses make fraud more likley since I would not receive mail there.

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 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Estate of XXXX XXXX XXXX -- -We sent CeLink the attached package on XX/XX/20. They have now cancelled out the entire short sale file stating their value expired XX/XX/20. We sent the file to them AFTER the value expired yet they are refusing to order a new value unless we RESUBMIT AGAIN THE ENTIRE FILE? -- -- -- -- -- Do they not understand how this short sale process works? -- -- - It seems as though CeLink is up to their fraudulent ways again. When is this going to stop?? We have to file a CFPB Complaint ON EVERY FILE WE HAVE WITH CELINK DUE TO THEIR INCOMPETENCE AND FRAUD. 

-- -- -- -- I want the valuation ordered -- - AS PER USUAL IN A SHORT SALE -- -and for this purposeful DEFRAUDING AND INCOMPETENCE from CeLink to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a threatening phone call from someone claiming they were a collection for a personal loan that I had with XXXX. They called me, and several relatives and threatened legal action and a call to my supervisor at work if I did not respond that day. I called them back at XXXX and asked the name of their company to which they claim to be National based out of XXXX Georgia, they would not give me an address. They forced me to make a payment that day and to enter into an agreement to pay them bi-weekly in the amount of {$480.00}, if I did not agree they would proceed with legal proceedings and I would be responsible for {$15000.00} instead of {$7300.00}. When I asked for a written validation notice stating they are the owners of the debt they told me to call back in a day as they are a proceedings office not a debt collector and they needed time to get me the letter. Then when I called back on XX/XX/XXXX they said that they can not give me anything in writing until I pay in full due to " specific performance law ''. When I asked for written proof or a statement I was asked " well why did you agree to it and it was your responsibility to pay ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has a fraud alert on my credit report without my phone number. This is causing me harm in getting extended credit when an organization is using this private credit reporting company as a verification point of my credit background. 

Furthermore, I have sent notifications to remove this as it was not an alert that I asked for or wanted on my credit reporting monitoring that this private company participates in. 

Upon my last demand to remove this erroneous fraud alert and or rectify their error of not having my phone number attached to my report so as to ensure organizations wanting to verify my identity can do so - I was met with a letter from TransUnion demanding a " proof request to remove fraud alert '' They are asking me to send them personal information of my current address, social security number, and date of birth but have provided no way to do this that protects my identity and this information - they are requiring that this is sent via the mail where any of this information in tandem could cause a breach of my personal information. 

My doctor 's office has to hold standards for privacy why wouldn't a private company that is holding my hostage of their interpretation of my credit not also be held to standards to keep my personal information private and provide acceptable options to send this information ( via portal, online, application ) to ensure it is held securely. 

Lastly, they want a payment of {$9.00} to remove this fraud alert from my credit report that they placed incorrectly. I want this removed immediately PERIOD - if they want further verification and/or validation of my identity they need to provide me a secure link, portal or option that does NOT require me to send my address, social security, and date of birth via the mail system - that is NOT secure.

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 2020-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I called Navient to ask for a PAY OFF BALANCE. I was talking to Navient. They indicated a false balance and said I was eligible to just pay 4 lump sum payments and have the rest forgiven. I followed their procedure, made 2 of the 4 payments, then receive a letter from the US Dept of Education with correct balance information and how this company enrolled my into a Income driven IDR consolidation that is incomplete. The company that serviced the consolidation is a fraud entity called XXXX XXXX XXXX XXXX, XXXX. I call them to get an email of the contract they set up with me. They digitally put my signature on a contract that I would have never signed. The language is beyond misleading and does not make sense. I call them, they reiterate false information about how the balance will be forgiven. I tell them to cancel. I call my bank to cancel my debit card. I am now seeking to be placed on the class action lawsuit. I have lost {$1400.00} from this misleading information process. I wanted to pay off my balance, and trusted the agent in what she was telling me. The phone call took place in XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I got an email from what appears to be Chase Online on XX/XX/2020. The email says I owe them {$120.00}. I never signed up for a Chase credit card. I think this is a phishing scam or I'm a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 2020-08-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Today, I was checking my credit report on XXXX XXXX and noticed that Equifax has lowered my credit score by 97 points, lowering my credit from good to fair. There was no reason given why my score was lowered and there was nothing new or added recently. Equifax has done this in the past as well and raised my score when are questioned. 

Equifax has 3 closed accounts on my credit report that are all over 10 years old including 2 XXXX XXXX credit cards and a XXXXXXXX XXXX credit card. Under the Fair Credit Reporting Act, these accounts should have been removed after 10 years. XXXX  has none of these accounts listed on my credit report and XXXX has 1 XXXXXXXX XXXX account listed. These accounts should not be listed on my Equifax credit report and is not only, negatively affecting my credit score, but is against the law as well. 

I have tried to dispute this information with Equifax, however it does not appear in their items to dispute. Again, that is also against the law. A consumer has the right to dispute items on their credit report. I also have a letter from XXXXXXXX XXXX, which states they have not been reporting this account to any credit reporting agencies, so who is reporting this informTion, because it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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:
Its been over 60 days and no sign of investigation on false accounts! Unknown. All identity verification submitted. Account Information and Numbers invalid

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