vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
First, XXXX XXXX submitted a hard inquiry on my credit report for a mortgage pre-qualification. There was no offer of loan, and no loan was obtained. The pre-qualification was only going to be a soft inquiry, as confirmed by the bank when we spoke via phone. However, they incorrectly submitted a hard inquiry on my account ( through Equifax ). 

Second, XXXX XXXX XXXX XXXX was the lender we used for our home purchase. We authorized a hard inquiry on XX/XX/XXXX for the mortgage underwriting process. They were going to use a soft inquiry before closing to confirm no changes had taken place. However, Equifax shows a hard inquiry requested from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX insists they only requested a soft inquiry, XXXX XXXX ( credit check company ) confirmed on their end that only soft inquiries were provided on XX/XX/XXXX and XX/XX/XXXX. Equifax still reports them as hard inquiries. Equifax stated I needed a confirmation letter from the lender ( XXXX XXXX XXXX ) to confirm the credit pulls should only be soft inquiries. I obtained such letter and submitted it to Equifax with a formal complaint. Equifax denied the complaint stating the information on my report was accurate, despite me providing the exact evidence they themselves had instructed me to provide to them to resolve this dispute. And here we are! One mortgage loan, 4 hard inquiries on my credit. I have 3 companies ( Equifax, XXXX XXXX XXXX XXXX, and XXXX XXXX ) all pointing fingers at each other, but I am stuck outside the loop with these unauthorized inquiries that are having a negative impact on my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: AP

Complaint narrative:
XXXX University in XXXX, AL is charging me tution for the Fall semester 2018. I was unaware that my veteran benefits had ran out and once I received notification from the VA, I dropped the classes in XX/XX/2018 and VA confirmed the drop notice. I verified that with the VA to make sure, they were late sending out notifications on benefits that year. 

I have tried to explain this to XXXX. If anything I owe it should be the late drop fee but they are charging me full tution and bunch of finance charges. The debt went from {$4000.00} something to over {$8000.00} sent from a law office. I really believe I am being taking advantage of as a veteran. 

Please help and advise in this matter. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER has flagged your account as Collections on XX/XX/2020. 

Source : Not known XXXX Company : CAINE & WEINER Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/2020 Balance : {$250.00} I have contacted this collection company and disputed on my credit file. The original creditor was XXXX XXXX. I have spoken to XXXX told nothing was owed when my policy ended. But continue calls from the collection company stating it doesnt matter if XXXX stated debt was paid collection agency can still collect. This company is causing my credit to drop for XXXX that I do not owe. Please help me. How do people get help if collection companies can put anything on their credit and harassing you over and over. They call telling you how they can mess up your credit if you try dispute something on your credit report. I have 2 credit collection agency who continue to remove the same item and reinsert it at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CA

Complaint narrative:
i sent XXXX, Transunion a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.

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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
Please see attached Letter Dated XX/XX/2020 Regarding CFPB Complaint Nom XXXX To Attorney XXXX XXXX Senior Vice President & Counsel First Horizon Bank Email sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the afternoon of XX/XX/XXXX, I transferred money from my Chase checking account to make a payment to my Chase credit card. As of XXXXXXXX XXXX XX/XX/XXXX, the payment is showing " pending '' in my checking account and my credit card account has not received the payment. 

This is one bank! There's no reason for the transfer to remain pending for an entire day. The funds have been removed from my account but not received by the credit department. So where is this money? 

Further, my credit card incurs interests cost for this time in which there is higher balance on the card. A balance which would be lower if the payment had reached the credit department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Services, Inc.
State: IL

Complaint narrative:
Someone got a hospital bill in my name without my Knowledge ; I am a victim of Identity Theft ; I files a FTC Report and disputed this with the creditor and credit bureaus and this item remain on my credit report and the credit still insist that I owe this amount money to this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ascendium Education Group
State: GA

Complaint narrative:
Based on the statue of limitations. XXXX  aka AES aka XXXX is showing up as a negative impact on my credit report. Ive hired credit repair attorney XXXX XXXX and I would like this student loan removed from my credit. Its renewing itself and the date is showing up as unknown. Please contact me at XXXX or XXXX XXXX needs to be removed too. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CO

Complaint narrative:
Around XX/XX/2019 I was in XXXX for a month and had to go to the XXXX XXXX Hospital. I saw a nurse and got an XXXX and that was all. I signed documentation for free health Insurance and medical bill coverage because I was not a resident and under the age of 21. I submitted it to the front desk at the hospital and she said I was good to go. A year later I was put into collections for XXXX $ under CRME FINANCIAL SERVICES they did not disclose any account information to dispute it or to pay it off. When I called the collections agency he told me I am being charged for an XXXX and to see a doctor. However, I only saw a nurse and got an XXXX  Plus I signed documents for free medical and financial Assistance for the medical bills and was given no information about an account or remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC
State: TX

Complaint narrative:
I Filed a complaint against vericred solutions with CFPB on XX/XX/2020 requesting 7 documents.Vericred did not send the following 5 documents. 
1.proof that they own this debt. 
2.proof that they have the right to collect this debt in my state. 
3.proof that they carry a bond. 
4.proof have they access the outstanding debt. 
5.payment history from the original creditor. 
Under the fair debt collections practice act I am allowed to request verification from third party collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
I have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I sent them a certified letter stating not to call me they just called today And a certified letter to verify my debt which them have not done to date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Despite open disputes between XX/XX/XXXX and XX/XX/XXXX written and certified documentation has been forwarded to all three credit bureaus about a past creditor, ( Macy 's ) department store revolving charge account who reports a past due charged off amount of {$4400.00}. My attempt to amicably resolve this issue has failed ; in accordance with the Fair Credit Reporting Act section 616 and  section 617 if the items are unverified, they are required to be deleted immediately. According to FCRA, physical verification of the original signed consumer contract is a requirement before credit reporting consequently I have demanded to see their verifiable proof, ( an original consumer contract with my signature on it ) the creditor has refused to furnish appropriate debt validation ( see attachment ). XX/XX/XXXX, I spoke to a manager and Macys 's  representative listed on my bureau report file who verified Macy 's original creditor is XXXX, XXXX XXXX XXXX XXXX and the account was sold in XX/XX/XXXX and no further collection activity is optional. Despite my repeated request to date I have not received any " verifiable proof '' of this debt from the original creditor or collection agency. Because the account is sold any creditor ( s ) is obligated to adhere to the same statues described above to avoid violating my rights as a consumer.

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 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
My boyfriend received a call from XXXX XXXX at Atlantic Recovery Solutions on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
I Am A victim of Identity Theft.. My information was stolen and used for many accounts to get car and loans without my knowledge. I spoke with the credit bureaus and disputed this items numerous of time and they still remain on my credit report. This items are stopping me from getting the house that I need for my family. The Items still remain on my EXPERIAN.

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 2020-08-26 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: AR

Complaint narrative:
I have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX  is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.

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 2020-08-26 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: TX

Complaint narrative:
Transunion has continued to report an account on my credit report after I have disputed it numerous times. I have written them to let them know that tin addition to the reporting debt being inaccurate, the company in question, XXXX XXXX XXXX is NOT licensed to collect the debt in my state.

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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have sent various letters to request an explanation as to why Elan Financial has closed my account. My account was always paid up to date and never late. I went through their customer service and they said that the decision was made based on a letter where I advised them that taking action against me due to age, religion, sexual preference and nationality is illegal. The company didn't respond just advised that they had decided to close the account. This action has harmed me due to closing a account that I had always paid in time and was one of my longest used cards. 
I should not be discriminated based on the factors they provided and never responded to the fact that I placed a complaint with CFPB. They actually verbally told me that they will make me pay the price for complaining to your organization and they did so by closing my account to hurt 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 2020-08-26 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: IL

Complaint narrative:
These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-26 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: IL

Complaint narrative:
These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TX

Complaint narrative:
I apologize for the delay in my payments.the financial stress have caused me to fall behind in my payments.as your records indicate I have been a excellent customer with a good payment history until the economy to a dive.i enjoy being a loyal customer and would greatly appreciate it if you give me another chance by deleting the 90 day late payments on XXXX,120 day late payments on XXXX late payments on XXXX120 late payment on XXXX120 day late payments on XXXX120 late payments on XXXX120 late payments on XXXX120 late payments on XXXXthank you for taking the time to read my letter.

Company response to consumer: Closed with explanation