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

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX  years old. 
You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT  : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX. XXXX XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax   and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical Revenue Services has been contacting my employer regarding a medical debt. I do not know why they would contact my employer. When I answered the phone the lady was extremely rude and pushy, when I told her not to call this number and I couldnt talk she would not stop pushing me to give her my information. I believe they have also been contacting family members.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
Select Portfolio Servicing ( SPS ) keeps adding unjustified " Fees and Other Charges '' to my mortgage account. When I ask what the fees are SPS say that they are for attorney fees, and things. I have paid said attorney fees over and over again. We were in court months and months ago and all fees were paid. The account was up to date. Suddenly " Fees and Other Charges '' in the amount  {$900.00} showed up on my XX/XX/2020 statement. When I logged into the Select Portfolio Servicing web portal the " Fees and Other Charges '' shows as " Fees and Advances '' and the amount is now {$930.00} and not {$900.00}. Now the total due is {$930.00} ... the EXACT same amount as my monthly payments. When I called and asked about the {$930.00} charge ... .I was again told that it was for attorney fees, inspection ( no inspection was ever done. ), and " stuff ''. 

As a minority I feel that this is a further attempt to keep my account in a less than favorable standing so that " Fees and Other Changes '' can be added at will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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:
Me and my twin sister were hanging out one weekend years ago on XXXX XXXX  my twin had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud

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 2020-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
1. On XX/XX/XXXX, I borrowed {$420.00} from XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to William Rush and Associates ( amount unknown ) 3. Williams Rush reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay 1/2 of the debt in order to reverse the 61 points decreased from my credit score. I  stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7.  The attached documents show I paid a total of {$580.00} to XXXX XXXX. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE ACCOUNTS. I ORIGINALLY SENT IN MY DISPUTE LETTERS ON XX/XX/XXXX, TODAY IS XX/XX/XXXX AND THE COMPANY HAS FAILED TO RESPOND OR REMOVE INACCURATE ITEMS.

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 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: WI

Complaint narrative:
I recently received this Collection attempt from American Coradius Intl llc,  and dispute this collection in its entity XXXX XXXX  # XXXX amount {$1000.00} reference number XXXX as an ongoing fraud filed/ID theft XX/XX/XXXX. XXXX recovery. I called them and disputed this ID theft and following up with CFPB. As best I am able to discern it is an on going attempt to collect monies I have no idea of it. I moved to XXXX, XXXX XX/XX/XXXX, I stopped living in FL at that time any debts prior I do not recall ever seeing and I am surprised when this showed collection attempt came. I have been XXXX since XX/XX/XXXX per SSA My wallet went missing in XXXX when i moved out of the country i vigorously deny any association of any use of XXXX or XXXX XXXX   with this referenced account. Further I wish to have them not to report this credit bureaus as uncollected debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 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 on 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 the 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 2020-09-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 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 on 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 the 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 2020-09-09 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: TX

Complaint narrative:
Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services  from them to improve my FICO score. 

Please help me to correct my FICO Credit Score. 

Thanks

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 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: IL

Complaint narrative:
I made a XXXX over the phone. I was told that was the payoff amount. Looked on line it was asking for {$13.00} dollars more. I paid it because I want to get rid of this company that only care about interest and not the principal. I was told I would receive a letter in my email that the loan was paid off in full within 24 to 48 hours and all three credit bureaus will receive confirmation that the loan was paid off in full. It has now been 72 hours. I just want my letter so I won't have to deal with this Fraud unprofessional money hungry company ever again.

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

Complaint narrative:
This is a follow up of complaint XXXX on XX/XX/XXXX and was responded to on XX/XX/XXXX asking for identification information rather than a resolution even though the information was given in the original complaint. It seems like these complaints are not even read and just submitted electronically because the same incorrect information is responded as correct. 
This letter was faxed on XX/XX/XXXX to Equifax and it was just submitted as another dispute to be " verified '' instead of actually looking at the OBVIOUS incorrect information which should be removed immediately. This has been sent in countless time and actually needs to be handled correctly. This is a violation of my rights and causing me unjust harm. This is completely INACCURATE reporting and all that happens is a dispute is submitted and comes back verified when it is not possible. These EIGHT accounts all from the US Department of Education were consolidated into new accounts in XXXX of XXXX and have has a XXXX balance since that time frame. After that the student loans were discharged due to XXXX and XXXX XXXX in XX/XX/XXXX. Beginning in XXXX these EIGHT accounts all identified as XXXX that were closed with a XXXX balance started reporting negative information as a collection account and multiple times as 120 days past due which is Impossible at this point since they were discharged and have a XXXX balance. At this time these EIGHT accounts need to be DELETED immediately due to continuous INACCURATE information and they have been discharged and should be removed anyway as or credit bureaus have already. Do not simple send a request to US Department of Education as they have stated they are not reporting it late. Look at the evidence on file. In previous disputes the documentation of the XXXX discharge has been sent and you can see by your own records when the account was reported CLOSED with a XXXX balance so it obviously is INACCURATE and needs to be DELETED per FCRA for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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:
Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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:
Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX  my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud

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 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Pacific Lending LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I was approved for a personal loan with Pacifica Finance. They stated that the loan would be deposited, in full based on my application, by XXXX that evening. 

Since then, theyve made several inquiries to my bank and done multiple verification to ensure that, on my behalf, everything is being done correctlyon their behalf, things have been lagging severely. 

In the last few days, their employees have resorted to name calling and asking me to pay them prior to fund delivery rather than ensuring that the funds are delivered as promised with no obligation to me at all as the loan agreement has been signed as of XXXX. The only thing thats been amended in that agreement is my banking information because they inquired about verifying my debit card on my XXXX XXXX XXXX account which caused strange transactions shortly aftermy account was then flagged immediately after. 

The new account given has been verified and meets the criteria for deposit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I received a payoff quote from BMW Financial Services to payoff my lease on XXXX in the amount of {$51000.00} good through XXXX. The vehicle was sold to the dealer on XXXX. To confirm the figures, they requested a new payoff. They received a payoff in the amount of {$51000.00} good through XXXX. The lease was paid off a few days later on XXXX well within the time frame of the original payoff I received. BMW is now telling me, there is no overage and the payoff I originally received is voided as a new payoff was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello, I have XXXX XXXX XXXX from Barclays bank. I filed for dispute with XXXX XXXX transaction for {$140.00}. Case # XXXX in XX/XX/2020. 
XXXX XXXX subsidy XXXX XXXX sold tickets in XX/XX/2020 with term that allowed 50 % refund for ticket price and 100 % for additional service ( seats and baggage ). They canceled flight in XXXX and I requested refund. Refund was denied base on new term by airline : " refund will be available 60 days after company resume normal operation ''. 
After that I asked credit card to start dispute base on original term. It must be XXXX Euros. 
Credit card open dispute and on XX/XX/2020 they send letter that credit could not be issue without supportive documents. I got letter one week later and contact credit card about the way of sending  information. Credit card dispute page not providing this option. 
During my phone conversation with Customer Service, I was told that dispute closed and Dispute department work like " on call service ''. 
I sent regular mail with documentation for review. It was delivered on XX/XX/2020. On XX/XX/XXXX credit card denied dispute and issue credit. They recommended to resubmit request before XX/XX/2020. This is day of my flight. I called to them on XX/XX/2020 and was told that dispute closed again. 
Still, no Dispute Department personal available and i have to refile again. 
None of the letter state that dispute was closed. 
This is complete fail by credit card to follow their term and condition for dispute, denying service that they have to provide and protect customers.

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 2020-09-09 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Have a Costco Visa credit card with Citibank. 
Paid {$9500.00} via ACH ( done many times previously ... generally only way paid ) initiated through Citi website. 
Payment was initiated XX/XX/2020 Payment was taken out of my XXXX account on XX/XX/2020 Called Citi on XXXX and was told payment had not posted yet Called Citi on XXXX and spent over an hour to be told that payment would not be released until the XXXX of XXXX ... nearly two weeks after payment was made.

Have NEVER had a late payment Have made numerous other payments this way Was told the amount caused issue Have other cards with Citi and have made larger payments from same checking account using same process with no issues. And no returned payments or other issues.

I think it is criminal to hold the amounts for two weeks with ACH being credited next day. 

Would like to get some 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 2020-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One account XXXX was closed without notice. I was not called or emailed about account. 

My checking account was hacked and my account was closed. So my payments that I had submitted did not go through but no one from Cap One contacted me to verify anything.

Company response to consumer: Closed with explanation