vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: MOHELA
State: NJ

Complaint narrative:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: FL

Complaint narrative:
I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.

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 2020-10-01 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: FL

Complaint narrative:
I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: FL

Complaint narrative:
I had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: FL

Complaint narrative:
I had an account with XXXX XXXX Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.

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 2020-10-01 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM # : XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am unable to unfreeze my credit report with equifax. Online, the system will not accept my log in or password and when I call I am either disconnected or told the system is down and they are unable to acccess my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: MA

Complaint narrative:
I rent office space in XXXX, MA from XXXX, and have used XXXX for approx 5 years. I recently received fraud-filled notices that I owed {$5300.00}. ( Email subject line, " Case File : XXXX XXXX XXXX XXXX. [ redacted ] Balance : {$5300.00} '' ) These emails surfaced twice when I owed no more than a single month 's rent -- approx {$500.00}. The emails are sent to me from a debt collection agency in XXXX, and the content of the emails is threatening and filled with fraudulent claims. Specifically, the collection agency states if I overnight a check for {$900.00} my debt will be forgiven, but I don't owe anything like {$900.00}, so demanding payment in this amount to alleviate the debt amounts to extortion. Furthermore no one has reached out to me to discuss this matter, as claimed in the email sent. I have called and emailed XXXX on numerous occasions and received NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Dear Sir I received a letter in the mail from this company called Velocity Investments LLC, and XXXX  XXXX XXXX for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX XXXX XXXX XXXX  for 17 years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the department. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the government offer credit monitoring for employees. This letter I received in the mail from them on XX/XX/2020.

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 2020-10-01 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: MO

Complaint narrative:
I have made many attempts to resolve an issue with my credit reports from XXXX, XXXX, and Transunion. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.

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 2020-10-01 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: MO

Complaint narrative:
I have made many attempts to resolve an issue with my credit reports from XXXX, Experian, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.

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 2020-10-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I've had an auto pay agreement with Chase bank to pay an outstanding credit card balance for over a year. Every month, {$100.00} has been approved for Chase to automatically extract payment from my XXXX XXXX   checking account. 
In XXXX 2020, the payment did not go through. I received no notification to that effect from Chase.. Then in XXXX of 2020, again, the payment did not go through. 
Multiple attempts to contact Chase bank have failed, due to an automated phone system that does not give any option to talk to a real person. 
I am unable to access my account with Chase online because I lost my username and password, due to a computer crash. I no longer have the credit card because I threw it away so I would not use it again. I don't get paper statements, only electronic, and they never include the account number, so I can't do anything online without the account number. I only have the last 4 digits of the old credit card, which does not give me access. 
I have written a letter, to be mailed, explaining the problem and I feel that they are now guilty of breach of contract with me under the auto pay agreement with them. They have my checking account number and routing number of my account at XXXX XXXX, which has never changed. XXXX did issue me a new debit card back in XXXX 2020, which I did not think affected the Chase agreement at all. The main problem is no means of contacting a person regarding this account. No help without the account number for their automated phone system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: NV

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and 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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90-120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NJ

Complaint narrative:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX   student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-01 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: NJ

Complaint narrative:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NJ

Complaint narrative:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please 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 the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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