vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Portfolio Recovery Association Account No. XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CARD Corporation
State: TX

Complaint narrative:
Check was cashed on line and money sent to card.com on XX/XX/2020 but its nowXXXX and havent received my money yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Every time I answer the phone usually at XXXX the woman screams my name. It's very startling. She continues to yell over the phone at me talking to me as if she knows me or is someone I know. She doesn't make it clear she works for a debt collector right away. Her tone and volume of voice are very threatening and she sounds angry. Screaming into the mic at me the second I pick up the phone is harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, Transunion has me a XXXX and XXXX  has me at XXXX. Even my bank which I have a credit card with is showing XXXX at Transunion. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on Transunion score. I sent this letter on XXXX to XXXX XXXX : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my Transunion score is XXXX. 

I have XXXX collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX  None of my credit cards are over limit I will be contacting Transunion, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a credit card with XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX XXXX provides cardholders with online account management services ; these online account management services allows cardholders to, among other things, view balances, transactions, make payments and view the cardholder 's credit score. When I log into my account on XXXX XXXX 's website, my credit score is shown on the home page. XXXX XXXX 's website states that the credit score provided is " powered by Experian. '' XXXX XXXX 's website also states : " The score provided is your XXXX XXXX credit score. The XXXX display is intended for educational purposes only. The credit file used to create the XXXX is continously [ sic ] updated and the XXXX may not reflect the most current data on your credit file. To request a copy of your Experian credit report, please visit : XXXX XXXX XXXX. For more information on XXXX, please visit : XXXX XXXX XXXX. '' First, XXXX XXXX lists my credit score ( which XXXX XXXX states it receives from Experian ) as XXXX. Experian on the other hand, reports my credit score as XXXX. In addition, XXXX XXXX states that the credit score it  provides ( which is powered by Experian ) is the " XXXX XXXX XXXX XXXX. '' An Experian representative, however, informed me that Experian 's credit scores are based on the FICO 8 model. 

When I told a XXXX  XXXX representative about these discrepancies ( on XX/XX/2020 XXXX, I was told there was nothing XXXX XXXX could do about the issue, and because XXXX  XXXX provides my credit score at no cost to me, XXXX XXXX did not have to correct any inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit 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: VA

Complaint narrative:
I had an account with ic collections agency for circa {$260.00}. I saw that the original creditor was XXXX and they informed me the amount was {$340.00}. So I paid them on XX/XX/XXXX. I disputed the amount both with the company and the 3 bureaus. Both XXXX and XXXX updated it to XXXX $ while XXXX correctly knocked the debt for inaccuracies off. I have since disputed every month with both bureaus, and the collections agency, and they report this collections is somehow valid and active. 
I've disputed with the company with the receipt only to be ignored. The agency has shown inaccuracies in the dates, failure to communicate, inaccuracies in their reported amounts, and failure to acknowledge my receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: MO

Complaint narrative:
I continue to ask for proof of debt ; some sort of letter that can be mailed to me to prove this is legit and not a scam. The company has said they have sent out many letters and emails- i haven't received one. The lady XXXX offered to email me a letter of correspondence ; but i've yet to receive it. The company clearly has my correct address, yet I haven't received any collection letters. Foster and Monroe are reporting on my XXXX credit report ; however, I still never received any correspondence about this debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I had two collection accounts with a collection agency ( XXXX XXXX XXXX ), I contacted the collection agency and negotiated a " Pay for Delete '' agreement with them. I paid both accounts in full with XXXX XXXX XXXX ( Collection Agency ). After payment was posted on both accounts, they provided documentation that the account was now satisfied and Paid in Full, they also provided a statement in the same letter stating that the accounts in question would be removed from my credit profile. I submitted a dispute with Experian, XXXX, and XXXX to speed up the process of getting the accounts removed from my credit profile. Experian received and acknowledged the dispute and promptly removed one of the collection accounts from my credit profile, but did not remove the second account that was placed by the same company ( XXXX XXXX XXXX ) and provided the same documentation but did not remove the account from my credit profile. I have disputed the account twice online and once via phone, I have submitted the documentation several times stating that this account should be removed from my credit profile but Experian just updates the information after they have already removed XXXX account with the exact same documentation that was provided, and will not remove the second account. This needs to be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Hi im dealing with identity theft as im written this complaint I need this debt verified. With National. Credit Adjust. In XXXX KS. For XXXX plus. Im on social security and folks are.crimes and getting away with if i owe them i need to see the promissary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased a new truck from XXXX XXXX XXXX in XXXX XXXX Florida on XX/XX/2020. They financed it through GM Financial with the first payment of due on XX/XX/2020.It was a 84 month loan. I didn't hear anything from them about where to send the payment, account number or any communications at all. On XX/XX/2020 I contacted their customer service for information and was told I wasn't in their books at all. Not with vehicle vin #, SS #, or name. They did contact the dealer and was made aware I did purchase the vehicle. I was to receive a call back that afternoon about what had to be done. I didn't receive a call and didn't receive a call on the XXXX. I called their customer service again on the XXXX and went through the same routine, not in the system. This time I was told the paperwork from the dealer had been sent to them but they didn't have it. I was to get a call back that afternoon on the status of my problem. No call again, so I called them again on the XXXX, went through the same no account drill. I told them my payment date would have to be mover out because there was no way I could make the payment on time. I was told I had to make the payment to the dealer. I asked for an e-mail explaining what I had to do and where I was to send the payment. I am still waiting on that e-mail. On the XXXX, I called the dealer to get the information as to where I was to send the payment. They asked for me to bring them cash but I refused. It is about 50 miles one way from my house to the dealer. I mailed the check the morning of the XXXX. On the XXXX I received a call from the salesman who sold me the car informing me GM Financial had lost the paperwork and I needed to come in and sign a new contract with all of the same information. I told him the next free day I had was Friday the XXXX. We agreed on that and I continued my tasks for that day. On the XXXX the salesman called me back telling me GM Financial had found the paperwork and I didn't have to come in. I kept checking my bank account looking for the check to clear but never found it. I called the dealership this morning, the XXXX, and they did have the check and would deposit it today. He also informed me that they had made the payment earlier and that check was to reimburse them although it was GM Financial who instructed me to send it to the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I called Bank of America to make a mortgage payment since there was no way to split it online. I wanted to send {$1000.00} from XXXX XXXX and the remainder they took over the phone to equal {$1700.00}, the same amount I pay every month. Nothing has posted to my mortgage, the amount sent from XXXX XXXX XXXX {$1000.00} was electronically delivered on XX/XX/XXXX and they can not find it. Bank of America has had all the information they requested for weeks now. Their wait times on the phone exceed 1 1/2 hours at times. None of my emails have been answered. Many  promises for calls back from supervisors and no one follows up. I have spent over 30 hours on the phone trying to resolve this since XX/XX/XXXX. 

Today I made a second payment of {$1000.00} to protect my account while they are still trying to locate my first payment. I was told this payment made today, XX/XX/20 will forward to my XXXX amount due once they locate the original payment they received on XX/XX/XXXX. I was also told by making this 2nd payment today, I am currently not late, even though my account indicates I am.

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 monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Company : PayPal Amount : {$95.00} Purchase was returned. The seller acknowledged the receipt of the returned package. Sent all relevant information and PayPal still did not refund the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing erroneous information on my credit file since XX/XX/20 that haven't been fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc.
State: OH

Complaint narrative:
Current Balance is being challenged as the XXXX is trying to collect more than the amount owed. We have been back and forth several times in an effort to resolve the true amount. The billing office of the XXXX do not keep proper records and seems to be very confused on what the total amount owed, since they have been collecting from 2 insurance companies and I have been personally making payments which were not properly recorded. Also the total amount quoted for my son 's XXXX was {$2000.00} with 9 months given as the timeframe to complete the procedure. The timeframe was extended to 3 years and the price kept increasing. The only reason, I was able to get the XXXX off my son 's XXXX  was because we were relocating out of state and then they held my XXXX XXXX and would not allow him to leave until I paid {$500.00} over the phone. 

SAVIT Collection agency is demanding that pay another {$470.00}. On XX/XX/XXXX I received an email with my receipt which had a balance due of {$470.00}. On XX/XX/XXXX I paid another {$400.00} via check # XXXX, however, SAVIT is demanding {$470.00} and is refusing to acknowledge that I paid {$400.00} on XX/XX/XXXX while I'm disputing the balance of {$75.00}. 

On XX/XX/XXXX I attempted to resolve the issue with the XXXX XXXX through XXXX  XXXX XXXX but SAVIT again has refused to remove the incorrect data from my credit file and is demanding that I pay an additional {$470.00}.

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