vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: NY

Complaint narrative:
I tried today XX/XX/2021 to submit a dispute again over the internet with experian in regards to 2 credit inquires that are to be removed off my experian credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXX that was also done 2 years ago. These 2 inquires should be removed.

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 2021-01-26 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: DC

Complaint narrative:
I have asked these companies to move these things off of my credit report. I did not live in XXXX XXXX I only lived in Washington DC

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 2021-01-26 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. Exeter lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. Exeter agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: AL

Complaint narrative:
These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.

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 2021-01-26 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: OneMain Finance Corporation
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL SERVIC Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank did not adhere to my requested invoice/remedies as they have violated me under the Fair Debt Collection Practices and Truth in Lending. I have resent documentation giving them an opportunity to cure this invoice yet again. I am a federally protected consumer and Discover Bank has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NY

Complaint narrative:
I tried today XX/XX/2021 to submit a dispute again over the internet with XXXX  in regards to 2 credit inquires that are to be removed off my XXXX  credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXXXXXX  that was also done 2 years ago. These 2 inquires should be removed.

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 2021-01-26 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: NY

Complaint narrative:
I tried today XX/XX/2021 to submit a dispute again over the internet with XXXX  in regards to 2 credit inquires that are to be removed off my XXXX  credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXX that was also done 2 years ago. These 2 inquires should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect
State: PA

Complaint narrative:
Account paid In full only late 2 times in 4 years agency wont remove inaccurate negative items nor update account as paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX2021 a {$2100.00} order was placed using my account and store credit card. Best Buy cancelled the order and told me to change my account password. This does not resolve the fact that my credit card number is compromised. I also have no information to help me determine if this is an isolated incident, either for Best Buy, or myself.

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 2021-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The following addresses are incorrect/invalid with Equifax : XXXX XXXX XXXX XXXX  XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Please remove, please send an updated report once this is done as required by FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I requested a forbearance on/around XX/XX/XXXX due to the impact on my employment incident to COVID-19. On XXXX XX/XX/XXXX, I recorded my phone call with a supervisor of PennyMac, my lender, refusing to assist me with forbearance-related questions because I would not provide answers to additional questions. My understanding of the CARES Act is that I only need to attest that I am experiencing a hardship due to COVID-19. I relayed this to the supervisor, but she stated the lender required additional information. I threatened to take legal action and report PennyMac 's violation, but this did not deter PennyMac 's behavior. The supervisor made it clear that the forbearance was optional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX i paid off Capital one auto loan, XXXX XXXX XXXX purchase from XXXX XXXX, XXXX XXXX, CA. Never got reported. 
I used my previous name ( Legally changed ). Never shows up on my reports. I told them to change it that time. 

Previous Name : XXXX XXXX ( Changed in XXXX ) Current Name : XXXX XXXX I should have all my past showing in my report under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
Whenever I'm late on my payment which may be one to two weeks. XXXX 's home plus has employees call four to five times a day seven days a week. Even after speaking to someone about my account and when I will be in to pay. XXXX 's home plus repeatedly has employees call four to five times a day seven days a week I have all the calls documented. A lot of the calls they will sit on my voicemail breathing coughing after a voicemail message has already played for them to leave a message and they don't. Right now is a very stressful time. Due to covid-19. And unemployment insurance not paying out in a timely manner. This is harassment beyond mental distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: VA

Complaint narrative:
I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: VA

Complaint narrative:
I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident

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 2021-01-26 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: TX

Complaint narrative:
The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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:
Was never late on my XXXX XXXX XXXX XXXX XXXX, the buyers bank was the issue and I shouldn't be shunned for it ; considering I received a letter from buyers bank explaining the situation ... Problem never fixed despite substantial proof on my side. 

XXXX XXXX XXXX needs to be addressed and verified and validated and no knowledge of whats going on there as you'll see in my letter ( s ) addressed to the bearus ; something needs to be scoped out before it reflect on my public report! 

I'm disputing multiple items and DEMAND to be TREATED FAIRLY under the law and per my rights as a consumer! 

I AM PROVIDING MY REAL-ID and do not want to be sent a letter describing they can't look at anything due to no Social Security Card ; that's provided to the DMV in order to receive the REAL-ID

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 2021-01-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 AMERICAN EXPRESS Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 SANTANDER/ROADLOANS.COM Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have applied for a vehicle loan and I was already approved. I'm moving forward to crest an account with bank of america and make payments, but I am not given information as to why I can't make my payments online or access my account without given a reason and asked to call. I have given a call but I keep getting out on hold, transferred to other departments and being hang up without a solution to my issue. I am afraid this will impact my credit score and the company might black list me or put me under a criminal warning list when it is on fact not an issue created on my end.

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 2021-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ceannate
State: FL

Complaint narrative:
The company keep calling me and harrasing me. I submitted a previous complaint and they said they were gon na cease and desist all communications with me but they are still harrasing me. STOP HARRASING PEOPLE THAT DONT OWE YOUR COMANY ANYTHING. YOU ARE A THIRD PARTY TRYING TO COLLECT A DEBT THAT IT WAS ALREADY FILED AS A BAD DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX. 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Escrow issues with the Money Source mortgage. 

XXXX county taxes were due XX/XX/2020. Called in Mid XXXX to ensure they have the plan to pay before XX/XX/XXXX. There was a county tax disbursement on XX/XX/XXXX. County did not get the payment. Followed up multiple times with The Money Source, and finally they made another disbursement on XX/XX/XXXX for the same amount. Eventually County records got updated by XX/XX/XXXX, but my Mortgage balance was showing {$4700.00} as escrow advance as the tax amount was deducted 2 times. I was going through a refinance and was getting an incorrect payoff amount from the money source. After multiple followup, they still do not have the double disbursement settled and my refinance ended up with a higher loan amount. My monthly payment is higher by XXXX $ due to this and overall i will end up paying XXXX $ in interest plus the tax amount {$4700.00} overall loss to me not to mention the emotional turmoil of endless calls and the refinance stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting 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 2021-01-26 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: TN

Complaint narrative:
Equifax, XXXX, and XXXX have violated several federal and state laws regarding my right as a consumer to privacy.

Company response to consumer: Closed with explanation