vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XX/XX/2020/ and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX IXXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-12-02 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: TX

Complaint narrative:
I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX  university ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.

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 2020-12-02 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-12-02 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: VA

Complaint narrative:
I previously submitted complaint XXXX and received and email from Bank of America requesting a call from me to verify my identity. I have called three times and had to leave a voicemail each time. Their voicemail states I will hear back from them or their colleague within 24-48 hours. I have yet to receive a return call. This is a pressing matter and I have followed their instructions. They demand that I call them by XX/XX/2020 but yet they can not return my call. 

I want the courtesy of a return call. My next actions are to contact the OCC, the XXXX and my state 's Attorney General 's Office. 

I want the fraud protection I am promised and deserve. I did NOT participate with the merchants involved with the 72 charges in my claim.

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 2020-12-02 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
My XXXX VISA card was charged on XX/XX/2020, {$880.00}, {$500.00}, {$600.00}, {$600.00}, and refunded {$880.00}, by VENMO. I dont have a VENMO account, so they wont tell me anything. My Credit Union wont deal with it because VISA wont give them more than two months of statements. VISA wtold me my credit union deal with it. Everyone is passing the buck and not taking seriously a {$1700.00} theft from a senior citizen. I need government intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: SC

Complaint narrative:
my complaint is not just about the change of amount to pay but the horrid customer service and how many times I have reached out to them. I took a XXXX dollar loan out mud summer with spotloan, It was being taken out on a day oppisite of my pay day week. I asked to have it taken out the same day but next week for convenience of it being on a payday since it wouldnt of been easy for me to pay that week. So I received an email back saying yes it was changed to the day I requested and it was not. It was actually changed to 2 weeks from then, which I originally did not complain about since I didn't have the money I just decided to pay it from my next check i paid and paid for 3 more months ans my balance never went down i received an email saying my loan was extendesd. I understand fees and interest especially with a loan like this ... but my balance went from XXXX to XXXX ans now will not be paid off until XX/XX/2021, i called. The guy explained to me since I moved my day my loan was extended XXXX dollars! And it wasn't even on a payday which he could not move for me unless I wanted it extended more. I have paid and paid on this.loan. I pay twice a month on this loan and my balance still to this day is XXXX and I have spoke with them to try and work with me and there is nothing they can do i paid for 3 months in a row.. these past 3 months and my loan is still at XXXX I honestly believe it won't be paid off in XXXX i believe it doesn't go down. I also just requested this week for it to be moved to a pay date once again for convenience i got no.email back until they said it was moved to XX/XX/XXXX i stated in multiple emails ans I have proof i did not want it changed of it extemded the loan I callled today since it is suppost to be taken out tomorrow ams the girl could not tell me of it will be pulled out tomorrow or XX/XX/XXXX i am livid with this company and I feel like I'm drowning

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation

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 2020-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX  XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Had 2 more calls about collecting a debt from chase, I have no accounts of any kind with chase nor will I ever. 
They are rude XXXX XXXX XXXX voicemail on this one said they would come to my house and arrest me.

Voicemail transcription : House __ you get arrested please press one to connect are concerned officer to resolve this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: AP

Complaint narrative:
I already had a case with the CFPB board. It was number XXXX and I was dealing with Wells Fargo. They have not been able to get a check to me since XXXX of 2019 way before Covid 19 hit began. The kicker is that your company was involved and they sent me a check and it BOUNCED and now I have to pay a {$20.00} for their incompetence and they still have NOT paid me. This is the craziest thing to me that a XXXX dollar company can not ensure that a check is given to me. I even contacted their representative AGAIN and crickets. NO ONE takes responsibility at this company.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?

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 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies.

I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I have a medical debt ( amount of $ 330+ ) that was transferred to this collection company, TCS . An individual by the name of XXXX XXXX. They called me on XX/XX/XXXX to attempt to collect the debt. I informed them at that time that this debt will be included in a bankruptcy. I provided them with my lawyer 's information as I have retained a lawyer, but still in the process of filing bankruptcy. XXXX then called me again today, XX/XX/XXXX, trying to collect the debt saying that he called my lawyer, who told them that I haven't filed yet. XXXX tells me that in order for it to be included he needs case numbers and a bunch of other information. I told him that I don't know when it will be filed, but he said that he'll call me again in 2 weeks. Regardless of if I filed it or not, I have retained my lawyer, and all communication should go through them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Good evening, I am in the process of applying for Standalone Partial Claim with my mortgage company due to COVID. I was told by Shellpoint that I do not qualify for this because of a missed payment in XXXX That payment was NEVER missed, Shellpoint said I did not owe for the month of XXXX. I have been trying to get my account into investigations since XXXX, and I have written documentation since XXXX the escalation department refuses to respond. They continuously show lack of professionalism. On XX/XX/XXXX that will be 60 days they have not responded to claim. I really need them to investigate my account and listen to every single phone call I made to show that it was an error of their part, and that I did not miss the XXXX payment, and they continuously told me I did not owe. 
I need them to do this so I can qualify for the Standalone Partial Claim and not loose my house. I will be attaching documentation proving that the escalation is failing to fix my account. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2020, at approximately XXXX XXXX, a gentleman named XXXX XXXX from Midland Credit Management called my employer, XXXX XXXX XXXX  XXXX XXXX, asking to speak with me but refused to state where he was calling from. He called from XXXX XXXX XXXX XXXX. A reverse phone lookup reflected it is from Midland Credit Management. I returned the call from my cell and a recording answered saying that this line is being investigated for fraudulent practices. 
On XX/XX/2020, at approximately XXXX XXXX, a woman called my employer AGAIN ( from phone number XXXX ) and refused to leave her name but stated she was calling from " Midland ''. 
I am not allowed to receive personal calls at work. They need to stop harassing my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have no knowledge of these accounts and was never given an opportunity to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020, XXXX notified me about a hard inquiry made on my credit from Capitol One-Cabelas. The inquiry was made on XX/XX/2020. I did not authorize nor request this, nor did I give permission for anyone else to do so on my behalf. On XX/XX/2020, I contacted all three credit bureaus to report the fraud, request a dispute to have this fraudulent request removed from my credit file, and place a freeze from future credit inquiries. I also contacted Capitol One on XX/XX/2020 to inform them of the fraudulent inquiry created on my behalf and to request a letter of deletion so the credit bureaus could remove this fraudulent information from my credit history. I spoke with an agent in Capitol One 's fraud protection department named XXXX at XXXX. She closed the fraudulent account. She also stated it would take 60-90 days for a fraud adjuster to complete an investigation and for them to notify the three credit bureaus to remove the fraudulent hard inquiry from my credit file. She could not provide me with a case number for me to follow up and ensure this fraudulent information will be removed from my credit history. She also said I would need to send them two forms of government-issued ID to provide me with a copy of the statement application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.

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 2020-12-02 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: NY

Complaint narrative:
There was an error on my credit file with XXXX XXXX XXXX. I disputed it with Trans Union. They deleted it from my credit. Now Trans Union just put it back on my credit

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