vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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:
I had an XXXX loan  for a XXXX  that I put $ XXXX down and XXXX  sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX  has corrected the mistake. I've made several attempts with XXXX  and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex Inc never sent me a letter of the debt owed. 
When i called and spoke to someone they refused to give me what is on file or send that copy of the bill they sent back in XX/XX/2020. 
That is because they never sent anything to my address. 

The person on the phone said they will only send me paid letter. 
By NJ state law they are supposed to tell us what is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
I had an XXXX loan for a XXXX that I put $ XXXX down and XXXX sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX has corrected the mistake. I've made several attempts with XXXX and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me

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 2021-02-04 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: FL

Complaint narrative:
There is an account that I paid and the collection agency agreed to remove XXXX / XXXX XXXX # XXXX your company has not removed and only updated the settlement payment which is NOT accurate and was NOT what was agreed upon. 

Please remove this remark ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 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: American Credit Acceptance, LLC
State: MO

Complaint narrative:
After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : American Credit Acceptance they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: MS SERVICES LLC
State: MO

Complaint narrative:
After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. 
MS Collection Services- they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I made my monthly payment dated XX/XX/XXXX to Consumer Portfolio Services Inc with address XXXX XXXX XXXX, California XXXX in the amount of {$290.00}. 
Today, XXXX  XX/XX/XXXX Consumer Portfolio Services REPOSSESSED the Vehicle. I would like to request an investigation related to Financial Practices of Consumer Portfolio Services Inc. Company always not in compliance with the LAW. Last year of XXXX mandatory lockdown effective XX/XX/XXXX Congress passed CARES Act Law. All offices are closed for period of 70 days. Cares Act prohibits banks, lending and financial institutions not to foreclose real estate, repossession of vehicle and collections of fines and penalties due to Covid-19 lockdown. My vehicle was repossessed XX/XX/XXXX first time by Consumer Portfolio Services Inc. such practices was illegal in violation of Cares Act. 
I am looking forward for the prosecution of Consumer Portfolio Services with officers XXXX XXXX XXXX XXXX XXXX XXXX, Supervisor, XXXX XXXX, XXXX XXXX violation of CARES Act, Telephone Consumer Protection Act ( TCPA ). 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Per the CARES Act. The XXXX has announced that it will extend the moratorium until XX/XX/XXXX, XXXXCOVID-19 negatively affected me and could not pay rent. The company was informed.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account that I paid and the collection agency agreed to remove XXXX / XXXX XXXX # XXXX your company has not removed and only updated the settlement payment which is NOT accurate and was NOT what was agreed upon. 

Please remove this remark ASAP

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 2021-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE AUTO FINANCE XXXX Date Opened XX/XX/15 Balance {$4000.00} Late 30 Days As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I contacted the company in XXXX to get them off my credit ask to send proof of bill thu XXXX XXXX company then sends me bill from XXXX XXXX XXXXnvoice date was dated XX/XX/2019, saying I owe it on invoice there no address of referring doctor just say name of what I think is a XXXX office and 2nd floor there no street name that. Also they have not sent no document of me signing anything I will like them to get this off my credit. Also when I go on quest website there no record of it I also attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, we completed the closing signing of legal documents on the refinancing of our mortgage to a lower rate. Before we started the signing, we gave the fiduciary agent our closing cost payment of {$110.00} via check # XXXX. 

On XX/XX/2021 we were notified that our closing cost was not paid at the time of closing by the title company, XXXX via secure email. I responded back with an email stating to their representative that we gave the funds of {$110.00} via check # XXXX to their fiduciary agent. 

I notified our Wells Fargo closing agent of the situation above via email and by phone on XX/XX/2021 of the situation. He, our Wells Fargo closing agent, filed a complaint with the executive office at Wells Fargo - complaint # XXXX. To date, a month later, XXXX states they have not found our paperwork. We received a letter from Wells Fargo that our rate lock would expire on XX/XX/2021. 

All of our sensitive personal information, checking account, SS # 's, Drivers Licenses, Credit reports, were included in the legal documents lost by the fiduciary agent from the title company. Legal documents executed by my husband and I along with the check paid at the time of our signing the legal documents have been lost! It's been a month now and we still don't know who has our information. Wells Fargo, as well as XXXX continue to be lax in moving to rectify this situation. We need to resign the paperwork and Wells Fargo needs to honor the contract or cancel our current mortgage. It is because of the Wells Fargo agent who stated, " I can't tell you who do choose but this company, XXXX the most reputable of the three ''.

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AL

Complaint narrative:
I obtained copies of all three of my credit reports and observed a collection account on my credit report from ERC for an XXXX XXXX XXXX bill which I do not ever recall having an XXXX XXXX XXXX  account ever. 

A certified letter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Company ( ERC ) on XX/XX/XXXX, please see the attached letter where I requested documentation to support that this was, in fact, my collection account as I do not recall ever having an account with XXXX XXXX XXXX  I received a response letter, also attached from ERC on XX/XX/XXXX stating in paragraphs 5 & 6 : Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of this notice, the debt will be assumed to be valid by us. 

If you notify our office below in writing within the thirty-day period that the debt, or any portion thereof is disputed, we will obtain verification of the debt or a copy of any judgment that may be of record against you. We will mail the verification or copy of the judgment to you. 

I followed up with another certified letter, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, also attached, again requesting validation that this debt belongs to me. Again, they sent me a letter dated XX/XX/XXXX only to state that this debt remains unpaid. ERC still has not provided any documentation to prove that this debt belongs to me even after their own letter states that if I request the supporting documentation, it will be mailed to me. I requested proof that this debt belongs to me on two separate occasions with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
AMERICAN HONDA FINANCE XXXX Date Opened XX/XX/17 Balance {$23000.00} Late 60 Days As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real. Kindly produce me with a copy with the contract settled or voice chat where I authorized billing me in this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX Someone has purchased with my debit card XXXX XXXX tickets and groceries from a XXXX. Totaling almost {$1300.00} I called the bank when my purchase was denied and found out I had unauthorized transactions. I disputed them with my bank on the XXXX when I found out and on XX/XX/XXXX Bank of America denied my claim of fraudulent acts to my account. 2 x {$35.00}. for overdraft fees XXXX XXXX {$19.00} XXXX XXXX XXXX {$230.00} x XXXX XXXX {$430.00} XXXX  XXXX {$250.00} and {$27.00}. Bank of America is not backing their Guarantee and promise saying the activity in question was posted correctly! That's not even possible. The purchases were made in another state first off and I never made these purchases. I've been a good loyal customer for years and now I can't trust them at all. I work hard for my money. I need that money 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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP

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 2021-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: GA

Complaint narrative:
I have contacted Experian a total of three times to dispute inaccurate reporting on my credit report by my student loan servicer. 

The dates I have contacted Experian to file a dispute are : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The disputes in XX/XX/XXXX and XX/XX/XXXX were initiated by me through the Experian XXXX app. The XX/XX/XXXX dispute was taken over the phone by a dispute specialist. 

Each of the three disputes have consistently presented the same narrative : my account is being reported as 90 days late during a period of Income Based Repayment with a payment amount of {$0.00} due. 

I have submitted statements to Experian as part of the XX/XX/XXXX and XX/XX/XXXX disputes which reflect that no payment was due during the alleged 90-day delinquency in XX/XX/XXXX. 

I was unable to upload new evidence to the Experian consumer upload site because the files were too big on the first attempt. This caused the website to display an error message on further attempted uploads and also for any other sessions. 

The results from all of my disputes return with no change being made. The reason is because my student loan servicer has certified to Experian that the information is correct and as a result would remain. 

This is a boilerplate response and I do not feel that individual human attention has been given to my dispute. If that were the case, Experian could clearly see that it is not possible for my student loan account to be delinquent when no payment has been due multiple years prior to and after XX/XX/XXXX. 


I am aware of my rights if I disagree with the results. However, the remedies that are listed on my report are not available. I can not submit a statement of disagreement to be listed on my report nor have I been able to obtain the method and details of how the investigation was conducted. 

This is the ONLY delinquency on my report and as a result, my score and credit file are suffering. This impedes my ability to obtain credit which is causing me to suffer a loss. 

Experian should stop acting in favor of the student loan servicer and instead conduct investigation in a neutral format as they are legally obligated to do.

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 2021-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been and still am being charged interest on federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP

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 2021-02-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting that I have a serious delinquency on my consumer credit report and this is incorrect. I have never paid late on any of my accounts and this false information has dragged my score down for years and resulted in me paying higher insurance premiums and paying higher interest rates. I also believe that I have been denied access to credit because Equifax is incorrectly reporting that I've paid on an account late. I have disputed this negative remark with XXXX and XXXX and they have removed the negative remark. Unfortunately the negative remark still shows in my equifax report

Company response to consumer: Closed with explanation