vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: MA

Complaint narrative:
I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, XXXX, and Equifax reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, Equifax, or XXXX they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my Experian, XXXX, and XXXX  reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, XXXX, or Experian they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: LA

Complaint narrative:
i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-09 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} DEPTEDXXXX XXXX {$280.00} DEPTEDXXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020, I used Fifth Third Bank 's mobile deposit platform to deposit a check written by me from my own personal business on an account at another institution. This check was placed on hold to the tune of {$1000.00}, which to me is a substantial amount of money, and will prohibit me from using my account until the hold is released. Bank manager XXXX explained that the bank conducts this type of behavior " all the time '' when mobile deposits are made. Federal Reserve Reg CC allows for certain reasons to place holds on deposits, and requires banks to notify consumers if a hold is placed. I have received NO notice of the hold through mail, email, or telephone. NO reason was provided for the hold being placed even after I called Fifth Third and asked for an explanation. They have been holding my account hostage for 6 days now. That's plenty of time to get me a letter in the mail explaining why they placed a hold. My account is not new, the deposit was not over {$5000.00}, the account is not repeatedly overdrawn, I can PROVE collectibility on the check so there is no reasonable doubt thereof, and this is not a redeposited check. As far as I can tell, there is NO valid reason for the hold to have been placed, which means the bank is operating outside Reg CC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gragil Associates, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc will not let me connect with XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, Transunion, and XXXX  reports however. In the case of Transunion, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my Transunion account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of Transunion they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by Transunion, XXXX, or XXXX   they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Carrington Mortgage Service ( CMS ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines CMS is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am set up for a two-installment, automatic payment to pay my balance in full each month. This month I wanted to pay only on the due date, so I cancelled the mid-month payment. I went to change the due-date payment to the full balance instead of half, but it already showed the full balance, so I did nothing. When my payment came out of my checking account, it was only half. At this point I was willing to accept this was probably my error. To avoid interest, I made a one-time payment of the remaining balance. Yesterday, I noticed the payment had not been deducted from my bank account. After much research, I figured out that the payment was taken from an old, closed account. At this point, I was still willing to assume it was my error. I went to schedule a 1-time payment again, but noticed the old, closed bank account wasn't listed as an account to choose from, so I could not have made the error and am no longer willing to take responsibility for this. I did not trust making another payment online, so I paid through the automated phone system, using my account and routing number ( not the saved 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 monetary relief
Consumer complaint received 2020-06-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Usaa and XXXX credit bureau once were in business together. Right now they usaa federal savings bank credit card department falsifying charges amount owed etc on credit report. Right now they have added a refund as a credit of XXXX $ against my account balance instead of refunding it Calling doesnt work they just put me on hold they have also taken away my right to dispute the charge again since there have been no other purchases with the XXXX XXXX XXXX XXXXXXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: LA

Complaint narrative:
i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help

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 2020-06-09 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: LA

Complaint narrative:
i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
Hello, My name is XXXX, I have received an email twice one from XXXX and one from XXXX, which i have never request a loan to this speedycash! Please help me with this scam collecting company! They using speedycash Business logo to get money from me!! My identity has been stolen and This is not my debt and I have never get money from this place!! 
They should Stop harass me on treating me on take legal action against me! 
Thank you so much! 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Kohl 's is reporting inaccurate information to the credit bureaus. They are stating that my payment for the month of XX/XX/2019 was late. I contacted Kohl 's on the day after because I got a notification that the payment was late and that a late fee was applied to my account. I contacted Kohl 's and the representative waived the late fee and explained that it is possible that my payment posted late because it was drafted from my bank account late. I asked the representative if this would be reported to the credit bureau and the representative said that it shouldn't. Now I have been disputing this since XXXX of this year and Kohl 's still chooses not to remove the inaccurate information. I have since paid the account off and they are still reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/NAVIENT XXXX not mine DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized CERTIFIED XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized FACTUAL DATA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.

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 2020-06-09 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I previously opened a dispute with Wells Fargo regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and one in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, Wells Fargo replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I sent a payment via check which was cashed by the credit card company on XX/XX/2020 but never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized CRTFD CRDT XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.

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