vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: NC

Complaint narrative:
On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and Experian are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XX/XX/2020 and they have failed to respond 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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I was furloughed back in XXXX and haven't really had a need to use my standard bank account at bank of the west due to unemployment benefits being on prepaid government card. I am just getting back to work next week and wanted to set up my direct deposit to find out they charged me {$270.00} in overdraft fees even though I don't have any transactions that put the account into the negative whatsoever to make those fees valid. When I called they said the account has been sent to collections and there's nothing they can do. I don't want this to affect me trying to purchase a home and a charged off bank account is as serious as it gets.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the XXXX  data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX 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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed an inquiry dispute letter to Transunion but Transunion did not investigate the disputed inquiries listed on my dispute letter. Instead, Transunion sent me a letter explaining what inquiries are. Transunion is being negligent and malpractice because they are breaking laws set to protect consumers under the Fair Credit Reporting Act.

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 2020-12-29 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: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XX/XX/XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XX/XX/XXXX Shows that I have one late payment XX/XX/XXXX, XX/XX/XXXX reporting 31 late payments. 
XX/XX/XXXX showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my XX/XX/XXXX reported unchanged. How when nothing was validated? 

XXXX XXXX XXXXXX/XX/XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with XX/XX/XXXX. That this will remain unchanged. I never reported this account with XX/XX/XXXX or XX/XX/XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked XX/XX/XXXX to help me verify this debt. How could XX/XX/XXXX allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which XX/XX/XXXX contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I noticed my card was missing on XX/XX/2020 I checked my account and attempted to dispute 4 unauthorized transactions, after attempting the 1st one I realized I didn't understand the wording and I would have to call and wait on the line to get helped, I did and filed the claim but apparently only for the remaining 3 transactions, I did notify the representative of my attempt thru the mobile app and that I wanted to include that too but apparently she didn't do so. Now the " temporary credit '' has been removed from my account and Chase is telling me they can't do anything about it! So I'm just supposed to be liable for unauthorized purchases made while my card was lost!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XX/XX/2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XX/XX/2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, TOYOTA MOTOR CREDIT CO add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 I placed an order for jewelry from XXXX XXXX the group owner of XX/XX/XXXX on XXXX. It is now the end of XXXX and I have yet to receive my order. I tried numerous times to call her and she ignores me. I then placed a claim with my bank Wells Fargo but they sent me a letter stating I can only dispute the charges 60days after and they would not help at all. They closed my claim. I just want My money back as XXXX XXXX and XX/XX/XXXX ( XXXX XXXX XXXX is a total Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: AZ

Complaint narrative:
XXXX is using an unsigned promissory note that was created long after the original and the terms and conditions changed namely the interest rate charged. Transunion doesn't seem to really investigate at all just take the word of a company that is being sued by California, New York and Massachusets over their incompetent and fraudulent business practices. I know the CFPB does not have oversight over XXXX but it does over the three credit bureaus. Perhaps the CFPB could take the fight to the credit bureaus to keep XXXX from ruining the tens of thousands of lives that they have ruined. Transunion violates the FCRA by not verifying the debt at all just taking a fraudulent companies word for it. I am including the promissory note that has an electronic signature but no electronic consent attached. If you look at the promissory note there is no verification of who signed it, no e-mail address. How would they have even gotten my electronic consent without my e-mail anyway to send it to me or my ID. The note clearly shows in the right margin that it was created long after the loan. The interest rate was more than tripled. This loan should be paid off and the balance is all fraudulent charges. The electronic record and consent should be verified Transunion in their 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 2020-12-29 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: IL

Complaint narrative:
I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
Certified Credit & Collection set me a bill for debt I do not owe. They received this from another debt agency that claimed I owe this debt. I verified that no debt was owed and all my bills were paid. In Certified Credit & Collection 's letter they stated that if I respond within 30 days and dispute the debt, they would send proof of debt. I disputed the debt and received no proof of debt. Instead, they sent me a second letter asking for payment of this debt I do not owe. 

Attached are their two letters and my responses to their letters.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
This company has repeatedly harassed me over a debt but refuses to tell me what the debt is. All debts were discharged by a bankruptcy 2 years ago. This company calls me from multiple numbers, numerous times a day. They only call using automated system and this is harassment. I havent received any mail from this company and attempts to contact them to get them to stop or find out more information has failed. They say they are with Edward Sloan Associates. 

They call from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just 3 of the numbers they call from. Theyve called from over 50 different numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Company Name : Amerihome My mortgage is currently in forbearance under the CARES act, since XXXX. 

This company calls my cell phone every day at various times, leaving messages that only request a call back. I called them once, waiting on hold for approximately 40 minutes, only to receive a lecture about my options once the forbearance expires ... options which, I might point out, are listed on the monthly mailings I get about it. 

I have been out of the country, roaming for two months at this point. I contacted the company via their web portal in a good faith effort to figure out what it is they want. I told them multiple times, via their web portal, that I am unable to call them due to the expense of making calls while roaming. They then informed me that they have removed my number from receiving automated calls. However, nobody at the company has actually answered my " what do you want '' questions and issues mostly just get closed, aside from the most recent " we removed your number from automated calls '' reply. I still do not know what they want, nor am I willing to spend $ XXXXminute to wait on hold with this company while I'm abroad. 

Yesterday, I received an email requesting that I update my contact information. I signed into their web portal to update it, and now the automated calls have started again. Based on past experience, I imagine that the voice messages will continue building up at various times during the day until I return to the US, open several tickets on their web portal asking what they want ( which they *never* answer ), or enter a bogus phone number into their system ( which I have just done in an effort to stop the calls ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
My lender is asking for 2019 Tax Returns which I already explained to them that I do not have them because I am only receiving SSI. They keep on asking for a document that does not exist and holding up the approval for foreclosure assistance because of 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 2020-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the Equifax data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
On XX/XX/2020 I sent a debt validation letter to Rhodes , Kelly & Associates Inc. They failed to validate the debt by sending a bill back as proof.

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 2020-12-29 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: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry Portfolio has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. Fair Collections & Outsourcing XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted Fair Collections & Outsourcing XXXX XXXX/ and the Original Creditor and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the XXXX and FTC! This is unacceptable!

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