vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CA

Complaint narrative:
on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Experian. I have no knowledge of this account. Experian stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.

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 2020-07-21 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: MI

Complaint narrative:
The XXXX XXXX  company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from 2015 which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. XXXX XXXX  and experin are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to expetian to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and experian to pay for the damages for my pain and suffering. I spoke to Experian and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.

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 2020-07-21 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: CA

Complaint narrative:
on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Equifax. I have no knowledge of this account. Equifax stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
National Credit Adjusters is attempting to collect a debt for XXXX XXXX. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt for SunUp Financial. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I proactively inquired about a Home Mortgage Loan Modification with Wells Fargo when I was laid off from my job. The company used deceptive predatory practices, preying on my situation likely the result of a proven greed driven culture I was unaware of at the time. 

I had not been late on my payments prior to calling the company. I worked closely with home preservation specialists through a long, arduous process and they guided me to be late a number of months in order to qualify for the program. They also enticed me on numerous recorded phone conversations that I would be eligible for a payment program with an interest rate about 2-3 % less than my XXXX  % interest rate. 

Unfortunately, when it came time to complete the loan modification process, I was told my interest rate would remain the same alluding that my credit was an issue for brokers to take the loan. This was disconcerting because nonpayment of the loan was supposed to be a given by the nature of the modification program. I found myself entrapped in situation where my credit was already ruined, and my loan then extended to a 40-year note. Instead of getting the interest rate reduction and the help I was led to believe would occur, I was bilked.

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 2020-07-21 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX communicates with Experian of closed credit card account, payment never received, in fact, FICO score decreases XXXX to XXXX. 
I make complaint with CFPB plus CFPB informed my complaint will be forwarded to a bank. 

XXXX XXXX XXXX has corrected the mistakes, however, the FiCO score is increased to XXXX. 
My FICO score decreases per XXXX XXXX XXXX  error, in fact, my FICO score has not increased and should have not decreased.. 

XXXX XXXX XXXX  has corrected the mistakes reported to Experian, therefore, my FICO score needs to be at the appropriate score or increase to XXXX the emotional credit worthiness damage committed and Small Business Administration made a hard inquiry plus obtained a credit report with the negative credit worthiness of closed account, payment never received and made me look like a risky borrower. 

Experian need to increase my FICO score. 


I am extremely upset l, in fact, victim of identity theft. 

Please inform Experian to increase my FICO score to the appropriate score.

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 2020-07-21 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: I.C. System, Inc.
State: MI

Complaint narrative:
The IC systems company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from XXXX  which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. IC systems and XXXX are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to XXXX  to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and XXXX  to pay for the damages for my pain and suffering. I spoke to XXXX and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.

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 2020-07-21 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: ERC
State: FL

Complaint narrative:
Enhanced Recovery is reporting an account from XXXX on my XXXX and XXXX Consumer reports incorrectly. I have sent them correspondence to which they have totally ignored. 
They are showing an opening date of the alleged account as XX/XX/XXXX. This is an impossibility. I have resided at my current address since XX/XX/XXXX. An address where all of the bills are in my husband 's name. 
This is a blatant attempt to re-age old debt to keep the statue of limitations alive. 
They are also reporting the date of last activity as XX/XX/XXXX, yet they claim the account was not opened until XX/XX/XXXX. This is yet another total impossibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX XX/XX/2020 a sale of three Tahitian pearl necklaces was made by my online shop. This amounted to approximately {$2800.00}. Some of the funds were withdrawn by me leaving a total of {$220000.00} in the Paypal account. 

Suddenly the balance was frozen for 180 days by Paypal. A telephone call to their customer service on about XXXX XXXX resulted in a rude and abrupt lady telling me that Paypal was parting ways with me. I was given no reasonable explanation why the account was limited or the funds frozen other than to infer that I was busy with fraudulent activity. The rude person refused to give me more details. 

I submitted all the details/documents they requested from then on. My appeals were refused, On XXXX XX/XX/2020 the 180 frozen days expired. I was requested by Paypal to submit all my personal details/documents again. I did. I have the XXXX XXXX XXXX XXXX ID Document. It is perfectly legal and valid in XXXX XXXX as is the new XXXX XXXXXXXX which is now being issued. But Paypal is not accepting my ID Document. So my funds are not being released.They send computer generated emails which offer no explanation as to why my ID document is not being accepted or any solution to the problem. 

This matter is most frustrating and I'm sure not in line with any financial practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: GreenSky, LLC
State: GA

Complaint narrative:
Green Sky is false reporting to the credit agency that my account is still open and I that I have a balance. I do not have a balance with this company and this account is paying in full they keep reporting to the credit agency like i've only made one XXXX payment which is not true the account is paid in full and should reflect that. I filed several disputes and they keep lieing to the credit agency. They need to fix or face legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I disputed this alleged XXXX account with Convergent Outsourcing on a few separate occasions. All that was sent to me was a copy of a final bill. This does not prove anything regarding the validity of this debt per the FCRA and FDCPA. I have sent numerous letters and the company will not respond. 
The information across XXXX and XXXX vastly differs in certain areas like the date of last activity, status, date reported, etc. 
I provided undeniable evidence to the company who has not responded and refuses to correct the mistakes.

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 2020-07-21 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: VA

Complaint narrative:
I have officially filed complaint with the Federal Reserve - Minn against multiple Creditors ; Equifax, XXXX and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: VA

Complaint narrative:
I have officially filed complaint with the Federal Reserve - XXXX against multiple Creditors ; XXXX, Experian and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.

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 2020-07-21 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: PA

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2020-07-21 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: PA

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2020-07-21 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: PA

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020, I wrote experian a letter regarding inaccurate information that I requested be removed. I got no reply for more than 45 days and sent a follow up letter. Under the Fair Credit Reporting Act they are in violation of the law. By law, they must correct or remove the inaccurate information that I put in the letter. I have attached proof of my identity, and the two letters that I sent Experian.

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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Will not let me link my bank account for online services ( I.e. XXXX, XXXX )

Company response to consumer: Closed with explanation