vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
I disputed a collections account ( XXXXXXXX XXXX XXXX  ) with Transunion on or about XX/XX/21. I called them on XX/XX/21 to check the status of the dispute and they stated it was still in process. I called them on XX/XX/21 and they now state the dispute was never made.

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 2021-09-16 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: MD

Complaint narrative:
I have been disputing incorrect names and addresses with Equifax for over the past year and they are still reporting this erroneous information still. I have asked them to remove all names and address that's not associated with me and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CT

Complaint narrative:
On XX/XX/XXXX I disputed XXXX  XXXX fraud account with TransUnion by certified mail with supporting documents requesting XXXX  XXXX account / fraud inquiriy be removed immediately from my consumer file. On XX/XX/XXXX XXXX  XXXX  forwarded by electronic information to TransUnion account as fraud. I followed up XX/XX/XXXX with TransUnion spent over 1 hour back n forth with transunion supervisor " XXXX XXXX '' continued to tell me even though I followed all necessary steps TransUnion will not remove fraud inquiry from my consumer file and he eventually disconnected call.. TransUnion continues to violate FCRA guidelines XXXX 

I've copied and pasted statement from TransUnion website steps to follow remove fraud inquiriy which I did. 

" Send a letter to each credit reporting agency requesting removal of the fraudulent inquiry Include a copy of your FTC Identity Theft Report with your letterIf you are requesting deletion of an inquiry from your TransUnion credit report, send your letter to the address below : TransUnion XXXX XXXX XXXX XXXX, PA XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: MN

Complaint narrative:
I have been disputing this account for many months, and I'm very displeased about it. National Credit Management still hasn't sent me anything in the mail, their first FCRA and FDCPA violations. They have refused to respond to my mail, their second. They have continued to report the disputed account to the Credit Bureaus, their third. They are flagrantly violating federal laws, they are still reporting this inaccurate account, and they have failed to notify the consumer in any way! DO YOUR JOB! FINE THEM!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IN

Complaint narrative:
On or about the 1st day of XXXX, XXXX, I began the process of " Payment is Pending Manual Review '' with Fed Loan serving regarding payments made during XXXX when I was under a different payment plan. I paid over the Standard Repayment plan and should be eligible for the TEPSLF expanded program. Now, over a year later, it is still showing under I have called several times in the last year to check the status of this manual review. I also completed a FOIA to the Federal Student Loan Government site and received record of those payments. I attempted to provide that information to My Fed Loans to expedite the process, and they did not want that information. Now, My Fed Loans is ending their contract with the government and PSLF program. If these payments are accepted, I will be finished with PSLF or the TEPSLF program sometime in the Summer XXXX. I am VERY concerned that with the new servicer, I will be unable to get a status check on this, and I will just have to continue making payments when I should be completed. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am co-owner of a vehicle that I did a voluntary repossession on. The other owner is currently incarcerated. I was told by more than one agent at the finance company that I could do a voluntary repossession. The finance company took possession of the vehicle on XX/XX/21. The day before the car was to go up for auction ( XX/XX/21 ) the finance company released the vehicle to someone other than myself or the other owner. They will not tell me who the vehicle was released to and They are still holding me responsible for this loan.

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 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: VA

Complaint narrative:
Company name : JFQ Lending Dates : XX/XX/2021 and several more before this Amount : {$2200.00} of " Available Funds '' History : We've recently purchased a home with mortgage loan from another company. Never have we contacted " JFQ Lending '' before. 

XX/XX/2021 : called company to stop sending false statement in order to refinance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX XXXX I applied for a checking account online with Wells Fargo and they sent me an email stating that it was approved. Then I made a direct deposit from my employer and the paydate was on XX/XX/2021. Then I received a letter stating that they were closing my account. They stated that it was because of a previous account. However I don't owe them anything as I have been through a Chapter XXXX Bankruptcy. I filed in XX/XX/2021 in XXXX NE case number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This company, Midland Credit, has been calling repeatedly and sometimes twice a day regarding a collection account that is XXXX years old and can no longer be collected. 

Phone number is XXXX. They have also been calling my husband and he was not even involved in this collection. Dates XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice and they also called my husband. 

I asked them to please stop calling and have also disputed collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I sent a certified letter to Enhanced Recovery XXXX XXXX XXXX XXXX Fl XXXX on XXXX XXXX. The letter is requesting written validation of this debt they say I owe. I have received no written communication from the company. I have received several harassing phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
XXXX XXXX. {$430.00} I contacted this company with proof of the violations taking place along with a invoice to pay for violations. 15 usc 1692c -communication not allowed by debts collector. 15 usc 1602 I am the original creditor 18 usc 08 the government agreed to assume all liabilities that arise under transaction using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated XXXX and Eqifax needs to change it. They do not want to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: MD

Complaint narrative:
I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX & TransUnion from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under XXXX & TransUnion. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.

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 2021-09-16 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: MD

Complaint narrative:
I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My BBVA credit card was charged a {$99.00} annual fee for the upcoming year. I immediately called to close my account and was told the annual fee would be waived since I am no longer keeping the card. A month later, I received a statement still showing the annual fee plus a late fee and interest charges. I am baffled that a credit card company would close an account and still try to charge the annual fee. No other U.S. credit card company operates like this. This is incredibly deceptive and unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I receive XXXX calls A day from XXXX. I shut my card off and have canceled my accounts because I am currently not working and can not pay. I let them know this and told them as soon as I receive financial stability I would pay the bill. They continue to call. I asked them not to call me anymore that I would contact them as soon as I could make a payment. They continue to call. Aggressively at that. I just received a call and I let them know again please stop calling. They then refused and continued to ask me for info and payment. I asked several times for her to not call. She refused. I hung up on her and she proceeded to send me a text message. This is crazy! They were the ones who put me in debt in the first place by over drafting m account by {$7.00} dollars for identity protection then charged me {$30.00} for the over draft. Then proceeded to charge me after I was told several times it would be taken off. I now have. {$400.00} bill with them just in over draft charges that they initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA

Complaint narrative:
This plumbing company tried to bill me for 4 hours to unclog a main line in a 3 family I XXXX They were not able to unclog and said I need to hire them to excavate and do a XXXX repair. They said they tried everything. I asked them to use a blow bag. They did not. They asked me to go get a shop vacume so they could try to XXXX out the blockage. When I returned with the vacume he did not try to XXXX out the clog. It was clear to me that I was getting upcharged to do a repair I didn't need.. I had to put my tenants in hotels for the night. The following day another plumbing company used a blow bag and quickly cleared the line. It took less than an hour and about {$300.00}. Do I need to file a 93A complaint for 3x damages?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Turning Point Solutions LLC
State: CO

Complaint narrative:
I'm receiving calls before XXXX MST from Advanced Capital Solutions , the call has been received at XXXX MST, also a voicemail has been left, Advanced Capital Solutions has my phone as XXXX and Address as XXXX, CO XXXX , Reference Number : XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, the consumer, have notified as communicated to the company XXXX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to CAPITAL ONE ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on Capital One for sending in the documentation to the XXXX reporting company. I am sending this complaint because the XXXX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.

Company response to consumer: Closed with non-monetary relief