vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my Experian and XXXX  credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party ( XXXX XXXX ), who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with 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 2021-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: AR

Complaint narrative:
AXOS BANK will not issue a payoff. The payoff was requested on XX/XX/XXXX. Today is XX/XX/XXXX ( 13 business days later ) and we still do not have the payoff. They stated 10 business days to produce the payoff but now we've had to extend the rate lock on our loan, which is costing money along with each day we do not close. To make matters even worse is there is NO avenue of obtaining a payoff online logging into the Axos account online. Calls have been made to their servicing department with no return call and never able to speak to anyone. Emails have been sent to Axos Bank 's wholesale contacts and they claim to have no ability to obtain a payoff or contact anyone in the servicing department. We were supposed to close LAST Monday on XX/XX/XXXX. This is criminal that a servicing department can with no accountability hold payoffs, have no online ability to produce one, or can wait 10 business days ( or longer like this ) to produce a payoff. There should be penalties on servicing companies outside of 48 hours of not getting a payoff when one is not available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Credit Collection/USA showing on credit report # XXXX I recently found out regarding this collection is still on my credit report. I disputed this account several months ago when I first saw it on my credit monitoring because I thought it was fraud, ID theft or another error on their part. I always pay my bills on time and I have good insurance so I assumed by disputing it that it was corrected but it is still reporting with all 3 credit bureaus. If I had received a bill I would have surely paid it easily which is why I thought it was fraud, ID theft or another error on their part-I NEVER received a bill. I always pay my bills on time which is reflective of my credit but I just applied for a mortgage and just found out that this debt is still showing on my credit. My lender notified me that this is impacting my ability to obtain a mortgage. Again If I would have received a bill or notice I would have gladly paid the {$83.00}

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 2021-03-11 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: NY

Complaint narrative:
On XX/XX/2021 in attempting to purchase credit monitoring services from Experian.com and XXXX I was given an error message which stated that '' Experian does not have any record of my credit history. '' I called and spoke to a representative that escalated the issue as she was not seeing the reason for this. She stated it would take 24-48 hours for me to get a response on the issue. When I was not given any notification in my Experian app about this I called back and was told by a rep ( outsourced outside of the US ) I asked for a US Rep but was not given one. The rep gave me instructions on troubleshooting the issue. when that did not work he asked me to send an email to XXXX. I asked him to confirm he received the email and he said he did and I will be given a response that they are working on this issue. This email contained my person information. Today I called Experian and spoke to a representative name XXXX ( a US representative ) who basically berated me and told me I spelled the email wrong because they never received the email. He was rude, unprofessional and condescending. I spent about 20 minutes begging to speak to a supervisor and he would not transfer until he spoke his piece. He told me that it would take anywhere from 24 hours to a month for them to respond and I needed to get the right email from him ( which I declined since he tried to imply I can't spell ), I wanted to his supervisor to get the correct information. After about 30 of insults from XXXX I was transferred to his supervisor XXXX which I confirmed by asking is she was indeed a supervisor. She informed me of the issue and transferred me to the dispute department to rectify. before we disconnected she informed me that she was putting in notations and to mention to the dispute rep to look for XXXX XXXX notes to fix the issue I spoke to the dispute rep and there are no notes in the account from XXXX. The issue was not resolved.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
Hello, I need XXXX  XXXX, Factual Data, Certified Credit Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX  and XXXX  already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have filed a dispute with Transunion XXXX/XXXXXXXX and the company is failing to honor the identity theft account under the 605B which is a FCRA violation. The other two credit bureaus have already removed the information.

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 2021-03-11 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: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
I am filing a complaint against XXXX for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. Tidewater Motor Credit should have been removed off of my credit in XX/XX/XXXX. I have contacted Tidewater Motor Credit directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for XXXX XXXX has been very rude and will not even try to help me resolve this issue. The last time I called Tidewater I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that XXXX was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both XXXX and Tidewater Motor Credit. XXXX did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Mediation Recovery Center
State: TX

Complaint narrative:
I keep getting call after call, numerous times a day and from different phone numbers, threats if I do not pay this amount they will come arrest me and will have a warrant sent out. I've blocked any numbers that are not recognized and I had my voicemail turned off so they would quit leaving me threating messages. I don't owe anyone for any loans, I haven't taking out any loans, my bank account has been compromised around 13 times and I have to keep changing my bank account numbers just so these sorry XXXX scammers don't take my hard earned money. I now have received a letter offering a one time payment or alternative options if I can not pay the one time payment. I don't owe them anything. Here 's the information I received in the mail : Mediation Recovery Center Website : XXXX : XXXX Toll-Free XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Account Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX I was notified by the Veterans Affair US Treasury Dept. that a direct deposit of {$110000.00} was sent to my XXXX Netspend XXXX checking account. The deposit did not post. I have called Netspend by phone everyday. I have emailed them also.In addition to my emails, I forwarded the email from the Veterans Affair government office on Friday, XX/XX/XXXX to Netspend as additional documentation per their request. On Saturday, XX/XX/XXXX Netspend responded with an email to me claiming that the documents sent were " illegible and insufficient. '' " Kindly refer to the information below regarding the documents we need to verify your pending direct deposit. 
There is a pending direct deposit on your account ; however, the amount of the deposit exceeds the maximum value of your card account which is {$15000.00}. Therefore, this deposit requires additional review and may be declined. '' On Monday, XX/XX/XXXX I emailed Netspend again and requested that they post the money to my account and to contact me if there is a problem. Unfortunately, as of XX/XX/XXXX Netspend continues to hold my deposit hostage and keeps giving me the run around as to why the funds have yet to be released. Whenever I ask to speak to a manager, I am kept on hold for over an hour. Moreover, they refuse to give any corporate contact information by stating " they are not allowed to give that information out. '' My frustration level and XXXX XXXX is dangerously high. I have XXXX and other health problems that require a caretaker. My caretaker needs to be paid and I can't do it, because Netspend will not release my money. How dare they treat and disrespect a XXXX veteran like this? I have complied with everything they have asked of me in order to release the pending deposit. This is not the first time Netspend has done this to me regarding a large deposit from the VA. They made me jump through hoops once before and I believe they are demonstrating racism and discriminating against me. I submitted valid and legitimate documents i.e., copy of social security card, drivers license and they still won't release the money. At the onset of this problem with Netspend I called the VA 's office and we had a conference call with Netspend. They made no attempt to resolve the problem even with the VA representative. Needless to say, countless complaints have been filed against Netspend with the 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 2021-03-11 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: AES/PHEAA
State: PR

Complaint narrative:
Since XX/XX/2020, I have filled 3 times a dispute asking for a removal of remarks of delinquency reported by FEDLOAN SERVICING. Each time XXXX sends a letter with the resolution in my favor and an updated report. The problem is 30 days later the remarks appear again in my report. XXXX says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from FedLoan when the loans were under forbearance. I have disputed this with FedLoan without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Credit Consulting Services, Inc.
State: UT

Complaint narrative:
Credit Consulting Services is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Credit Consulting Services about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is a collections account on my credit report by Portfolio Recover Associates ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*

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 2021-03-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have called Experian 4 times on the morning of XX/XX/2021. Before I even have the chance to explain anything I am sent to another department that is all self-automated and does not allow me to request to have disputes removed. 

Each time, I ask to speak with the department that REMOVES Credit Disputes. For some reason, my student loans are reporting in Dispute ( which i am not disputing them, i am actually making payments XXXX On the XXXX call at XXXX XXXX XXXX XXXX, the woman who answered the phone refused to connect me to someone. When I asked why, she said " disconnecting phone call now '' and then hung up the phone. 

I am a mortgage broker that helps clients with credit as well. When I see examples of how Experian handles these situations with myself, it makes sense that so many consumers are severely damaged by the lack of empathy, professionalism, and honesty that they receive. 

As the CFPB you have a responsibility to hold them accountable, the longer you wait, the more you are hurting our American consumers. 

Thank you, XXXX XXXX XXXX : XXXX XXXX ID : 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 non-monetary relief
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
there is a inaccurate collections account from XXXX XXXX on my credit. 

it is unverifiable and needs to be deleted.

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