vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
account information inaccurate which in is violation in FCRA 609 XXXX : account XXXX XXXX XXXX date opened XX/XX/2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
XXXX : reports that i was current with payment XX/XX/2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX XXXX, Equifax have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX, Experian, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.

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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Constant phone calls, multiple times per day. We do not know these people and have not charged anything with them. A credit card was applied for, but nothing was supposed to be charged ( paid at point of sale, not charged ). Been harassment ever since. One of the companies that try to get someone to to " sign up for discount '' we have never even received a card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems claimed to have ownership of a debt collection from XXXX. When I expressed concerns to them about this, they refused to provide proof. I had just paid off my debt to XXXX via XXXX XXXX ( who provided proper verification ) and XXXX themselves confirmed XXXX was the proper collection agency in charge of collecting the debt. When IC Systems was again contacted in regards to validity of account, they implied I was paying money to a fraudulent company ( referencing XXXX ) and needed to still pay them the full amount of {$1800.00}. I have since received a letter of fulfillment from XXXX XXXX and have again confirmed with XXXX that this debt has been settled properly and in full. I would like IC Systems to remove this debt as I have asked multiple times and this is negatively affecting my credit.

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 2020-10-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXXfor their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
td bank XXXX XXXX XXXX..I 'm apply online td bank XXXX credit I'm working this bank almost 3 years I'm proof all personal information bank account documents salary documents I'm sent td personalfitloans.com and they don't accept my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMI Equity Mortgage, Inc.
State: PR

Complaint narrative:
Applied for FHA mortgage in XXXX, 2020. Submitted all paperwork for complete application. Lender 's appraiser did a poor job and sent an appraisal with math errors in XXXX, 2020. Lender had all of our paperwork, including credit report, this entire time ( over 90 days ). When we pointed out the appraiser 's  errors and asked for a correction, lender denied our mortgage based on credit reports which they had since XXXX. It was a retaliatory denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 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: WI

Complaint narrative:
My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them XX/XX/XXXXTRANS UNION & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted XX/XX/XXXX XX/XX/XXXX & transunion only XX/XX/XXXX removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XX/XX/XXXX just got over i paid them for 2 years score worst then they removed items only there back on there

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX my account was locked and got told to upload my information like i.d social security pay stub proof of address so i did. is now the XXXX of XXXX and customer service as well as supervisor just been giving me the run-around telling me to re upload that they haven't received it. I had even did my i.d and selfie to the actual website Im a single mom of XXXX i need my account unlock to access my money from Texas unemployment. I got rent to pay little mouths to feed

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 2020-10-16 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have requested help on this issue several times. XX/XX/XXXX is especially negligent in verifying this account. Comenity Bank has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XXXX/XXXX/2019 informing me by Comenity Bank that my account was closed and sold to XXXX XXXX XXXX at that time. Yet Comenity continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: GA

Complaint narrative:
account information inaccurate which in is violation in FCRA XXXX XX/XX/XXXX : account XXXX XXXX XXXX date opened XXXX 2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
TRANSUNION : reports that i was current with payment XXXX 2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies

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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
Dealing with usbankreliacard. There was money uploaded to my card on XXXX/XXXX/2020. I can not access that money. Have called to find out what the problem is approximately 7 times. At least three of those times I was told to upload documentation as to who I am. Each of those times I was directed to different places. On XXXX/XXXX/2020 I last loaded drivers license information. I checked to make sure it got to the place it was supposed to and was in my account file. I was told by one person I would have everything verified within a week. Another told me 48 hours. I just went to talk with someone and they hung up on me. Very frustrated at this point.

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 2020-10-16 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient removed 5 accounts ( on XX/XX/2020 ) that were closed from my XXXX  credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted XXXX  and they stated that Navient requested to have them removed. I then contacted Navient and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I received a notice from XXXX XXXX that a new collections was added to my credit report. I have been trying to fix my credit for two years, so I watch it carefully. I had to XXXX the name of the collections agency to find a way to contact them and I had no account number or idea where this debt came from. I called asking for clarification and they said they would mail it out, I did not receive it. I filed a complaint with the XXXX  that I never received a notice before they reported this to the credit bureaus and the company finally responded saying they had sent out a notice and attached a pdf of that notice. When reviewing it to see what it was, I see that they are missing part of my address, so the initial letter never even made it to me. They claim they never received it back as undeliverable, but I can not explain that. I am guessing it went to someone else in my complex, as they did not include my apartment number, so nobody would have any way of knowing who it belongs to. I simply wanted clarification and if it is mine, I should have a chance to pay it off before it negatively affects my credit, as it has. I am trying to purchase a home and this was a devastating hit to my credit. If it is mine, I absolutely will make arrangements to pay it, but it should not be on my credit report until I have the chance to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I obtained a copy of my credit report and noticed accounts I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal used my checking account instead of my XXXX card ending in XXXX to pay my XXXX invoice. This was never authorized. Please credit my checking account and charge my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, XXXX XXXX reported the debt and was showing the same debt of {$3400.00} was unpaid. I contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted XXXX XXXX and their representative outright bullied me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to Experian and XXXX. XXXX  is currently working and investigating the dispute. Experian however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by the name of XXXX in XXXX XXXX who refused to give her last name, stated that Experian verified the debt with XXXX and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 360 Credit Consulting
State: GA

Complaint narrative:
I was referred to 360 Credit Consulting from a Mortgage lender. The credit company reached out to me and explained their services and I signed on with them in agreement that they would help me repair my credit. After 5 months of paying for credit repair nothing was completed on my file by 360 credit consulting. My credit score only increased because of me paying my bills on time or paying them off. I never received any phone calls or instruction from 360 credit consulting as promised. I paid the company {$500.00} for absolutely nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation