vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXXXXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3XXXXXXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX  Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit 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 2020-12-17 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: SC

Complaint narrative:
I have submitted Everything I am supposed to submit 3 times. XXXX  has taken care of everything but Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
SN Servicing Corporation has informed me that XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX is the current holder of the note and the mortgage. 

I am requesting that you provide me an electronic copy of my pay-off letter to reflect charges as of XX/XX/21 The property address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please send the electronic copy of my pay-off letter back to me via the CFPB website with your response. The sooner I get the electronic copy of the pay-off letter the better. 

Right now I have a party very interested in the property and don't want to loose them. 

I have attached the letter from SN Servicing Company Please act ASAP Thank-You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

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 2020-12-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have sent the first complaint to Macy 's and Bloomingdale 's. I receive a letter from your company thru the CFBP. XXXX XXXX has her name on the bottom of the letter. I have made several attempts to call her during office business hours at the provided number of XXXX ext.XXXX. I have been unable to get in touch and unable to proceed with leaving a voicemail. 

The current date today is XX/XX/2020. I would like a response from XXXX XXXX with the appropriate phone number and fax. 

XXXX XXXX can now respond to the letter that I'm have attached for your viewing.

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 2020-12-17 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.

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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: TX

Complaint narrative:
on XX/XX/2020 at XXXX XXXX central time, I received a call to my desk phone. The caller id was XXXX. I picked it up and it was a debt collection company. There was an automated greeting saying they were for XXXX XXXX and they would come to my place of business, and serve me. I clicked the option to pick to a rep. I asked them to please do not call my place of employment because I'm not allowed to have personal calls. 
The rep told " they would not stop calling my place of business until I paid them ''. I told him that was not right and I have the right to tell them to call XXXX XXXX. The rep told me " they will continue to call me everyday until I pay them '', he then said ' and if you do not pay, you will be sued in XXXX XXXX courts ''. I again asked him to remove my work phone and he declined. I let me know my work phone was being recorded and he said ' he didn't care because his phone was being recorded and calls to my job would not stop ' he hung up on me at that time. 

I have a copy of the recorded call. 
The company was IC System - XXXX XXXX XXXX XXXX - website is https : //www.icsystem.comXXXX

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Theres three inquiries on my credit report that I knows nothing about. XXXX XXXX XXXX on XX/XX/20 and XX/XX/20 Ive never tried to open up any accounts with this company. Also XXXX XX/XX/20 I already have an account with them so why would I apply for a next account with them

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 2020-12-17 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit 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 2020-12-17 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: NC

Complaint narrative:
Hi, I submitted a dispute with Experian re : 3 accounts. The three accounts are with XXXX, XXXX and XXXX XXXX. All these accounts I asked for a Method of Verification as to how they came to the conclusion that these accounts are mine. 

I sent documentation with certified return receipts and asked for an investigation within the proper timeframe as per the FCRA. 

I have sent several letters and have NOT received any Method of Verification since I have been asking which began in XXXX, 2020. I am tired of this and it is hurting my credit rating. I need these to be removed Immediately as I have followed all the proper protocols as described in the FCRA.

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 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I mailed a first-class dispute letter to The Best Service Company on XX/XX/2020. I did not get a response. I mailed a certified mail receipt requested letter on XX/XX/2020, and I also did not get a response. I mailed the letters to the address that is listed on my credit reports. 

I am an unaccompanied XXXX youth that is participating in a XXXX XXXX XXXX effort named XXXX XXXX. XXXX XXXX provides unaccompanied XXXX  youth with a housing subsidy, workforce training, and job opportunities as well as financial education and coaching. I had a very challenging time obtaining housing due to my credit and The Best Service Company was a big reason for that impact. 

I do not feel it is fair that I and my financial coach have tried two times to contact The Best Service Company and they have not responded. I called to confirm their address and they have not responded.

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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding Portfolio Recovery Associates, XXXX ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, XXXX. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
In mid XX/XX/2020 I began a refinance of a property I own in XXXX with Loan Depot The agent who has an office only 4 doors down on the Peninsula of XXXX XXXX was helpful to get the re-finance started. 

Not long after that problems started as they constantly asked the same questions. 

Since then it has been a descending nightmare I know they are busy and " everyone is refinancing '' however it has now been 9 months and this still has not gone through. I have tried to work up to higher management positions, however I am still getting the same run around. Its back and forth with the same documentation and its always " Close to approval ''. 

Now over 9 months of my time wasted with over 400 emails back and forth. 

I can appreciate things are busy, but no one is getting back to me. 

The service is abysmal and they are holding me hostage because of all of the time I've already invested in this process. 

This re-finance is for only XXXX and the property is worth a XXXX. 

It should be a very easy discussion and decision. 

I am desperate for someone to take an hour out of their day and pick up the phone and coordinate this between me and an underwriter. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX could not find the time to pick up the issue and run with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
I have received correspondence from Company CBE and received several telephone calls related to a previously disputed account with XXXX/XXXX. CBE Company indicates that they received the file in their office 45 days ago and was bought from XXXX XXXX. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name - XXXX XXXX. I provided CBE with my current information and asked for them to validate the debt and to send me any documents via mail, which I have not received. Instead, they reported this fraudulent debt to all 3 credit agencies, which has resulted in my ability to obtain additional credit. I want this account validated, via a signature page, and sent to me within 15 days. I have disputed the debt with all 3 credit bureau 's. I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from CBE if they can not validate via a signature page and want this fraudulent account removed immediately from all credit bureau 's. 

This account is not mine and was opened in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have over XXXX in my account and literally haven't been able to touch none of it the card company us bank relia card the customer service team is hands down the worst known to history of XXXX  I can't buy XXXX it's blocked I tried to get milk blocked wait 24 hours everyday can't take all the money at once I mean I'm so upset I don't know what to do nobody helps all they do is hang up cause they think that's easier then helping the problem

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 2020-12-17 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: Sequoia Financial Services
State: CA

Complaint narrative:
On XX/XX/2020, SEQUOIA FINANCIAL SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA SEQUOIA FINANCIAL SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.

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 2020-12-17 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: NY

Complaint narrative:
I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.

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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit 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 2020-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have requested an investigation on XX/XX/XXXX in regards to my account with Capital One Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation