vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My complete and correct spelling of my name is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX DateOpened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened:06/01/2017 Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX BalanceOwed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was made false promises by the XXXX  XXXX XXXX, was never able to advance my career with degree I received, and the university was found guilty of defrauding students like me. 

The university made all the arrangements for my loans to pay for school, and after I graduated I ended having to defer my loans for several years because I could not make the payments. 

My federal loans were arranged through Navient, and Navient sent me advertisements to consolidate my loans under the pretense that it would save me money and reduce my payments. 

Shortly after I agreed to the consolidation, I found out that the over $ XXXX in loans from XXXX  XXXX XXXX were eligible for forgiveness because the school had been found guilty of fraud. 

When I applied for the debt to be discharged, I was told that I was not eligible because the solicited consolidation from Navient had changed the status of my loan from federal to private. 

I do not believe that this was a coincidence. I feel it was a predatory lending practice done to disqualify me from debt forgiveness. 

I was never directly informed that my loans would no longer be federal loans and that I would no longer be eligible for the protections associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
After reviewing my account I've made a payment in the amount of {$240.00} on XX/XX/2021. I'm aware that the transactions afterwards is fraudulent from Card # : XXXX. These transactions were unauthorized and someone has obtained my card information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any such credit card purchases appearing on my account. Around the time this fraudulent activity occured I was incarcerated ( imprisonment ) So I am not liable. I'm disputing all charges that occured after XX/XX/2021 and requesting a charge back of my funds sent back to my credit card immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 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: CT

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I called and spoke to a representative at Account Control Technology to settle an account that I had with them. Upon coming up with an agreement we settled the account for the amount of {$2000.00}. After doing so I had requested a settlement letter and was assured that I will receive one in 5-7 business days. It is now XXXX and I have yet to receive the letter ; it is affecting my credit and approval for a mortgage loan. Once again, on XX/XX/2021, I had called Account Control Technology to explain that I have never received the settlement letter. I was referred to XXXX XXXX, the school that I had previously attended, and told that it was the school 's problem, not theirs. After that conversation, I had contacted the school immediately after to which they said they could not provide the letter since the account was paid to the collection agency, not them ; which I had already known but wanted to get that confirmation from XXXX. I had called Account Control Technology a third time on XX/XX/2021, and spoke to a representative by the name of XXXX XXXX and then a man who claimed to be the supervisor by the name of XXXX XXXX ( he did not want to disclose his last name when I asked for it ). I had told them what was explained to me by XXXX and they continued to say " the company can not provide a letter stating a settlement '' and that it was " out of their hands. '' They continued to refer me to XXXX to solve the problem, which is not possible considering the amount that I had paid was to the collection agency and not the school itself. This account is still showing up on my credit report and has not been removed, despite the account being settled.

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 2021-11-11 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: PA

Complaint narrative:
Have reached out numerous times to provide proof that that this debt is mine as it is not accurate. Please see attached information sent to company reporting information on my credit report. They have failed to provide the proof that is being requested.

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 2021-11-11 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: The Outsource Group, Inc
State: MO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Over 7 years I have disputed this fraudulent account with Bank of America. They have refused to remove it from my credit report. 

I have submitted everything they requested : the police report, affidavit, soc card, drivers license, letter from my bank. 

I have called several times with in the last 3 months and was told that this inaccurate information would be removed and I would receive a confirmation letter. *NEVER* received any letter and it is still showing up 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 2021-11-11 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: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I made a pay day loan a a couple of years ago, which went unpaid when I was laid off due to Covid. 

When I got my finances back in order, I repaid the debt that was outstanding. I can provide documents if needed. 

However, weeks after I was paid off, suddenly another payment was taken out of my bank account after the fact I had already paid the debt. I called them to resolve it, and they asserted that I was still owing them. I called my bank to stop payment, and I figured they would stop trying to overcollect. 

Later on, a collections account appears on my credit report from them, and the derogatory mark was reported not once, but now twice the original. 

Ive been in credit repair and disputed them and asked them not to call, I do not owe them this debt, and they are falsely reporting data to extort from me. 
To this day ; they are still calling me. I am reporting them in hopes that they can be corrected and to desist their harassment. 
I also would like to request that they be fined and to pay for the financial hardship their false reporting has done to my credit score, and my sense of well being with their repeated calls. 
They need to stop. Extorting people who have the least means to pay them. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
EOS CCA is attempting to collect on a account that dont belong to me. I was resently notified by my credit monitoring service that I have a collection account that just appear on my credit file. I am not the rightful owner of this inaccurate and illegal account. I have never live at the address associated with this account. It is showing a address XXXX XXXX XXXX XXXX XXXX Massachusetts. This is the same inaccurate and illegal account another collection company XXXX XXXX XXXX XXXX attempted to collect on. I file a complaint with the CFPB on XX/XX/XXXX of last year and had this exact inaccurate and illegal account remove. These collection company just move these inaccurate and illegal account from one collection company to another placing them on customer credit reporting Hoping someone that doesnt own the account just pay. These collection company know that this is unlawful and violate the Fair Credit Reporting Act requirements. 


I am providing proof documentation of my State issued drive license as proof of my address for the past 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with Experian on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Receivables LLC
State: CA

Complaint narrative:
Today as of XX/XX/2021 I received a threatening call from a credit agency representing XXXX XXXX. This is a collection agency that I previously had a payment plan with. I missed my payment last month because we had to cancel our bank card due to fraud in our account. I attempted to explain to him that I do not have a new bank card yet and we are only using cash. He became aggressive and extremely rude. I explained to him that we have suffered a hardship from Covid and we are using national debt relief to consolidate our debt. He then insulted me and said that XXXX is a fraudulent company and he continued to cut me off saying that they are going to proceed to sue my husband. I said to him that it is against the law and your continuous Robo calls are aggressive and excessive. He became very agitated and started to yell saying tell your husband to get a lawyer and you do not you deserve to work with our company. He threatened me to prepare for a lawsuit. I told him if you were nice and respectful to me I was going to work out a payment plan with you. He again raised his voice at me and said get a lawyer and then he hung up. He has been calling me the last month excessively at least 10 times a day along with holidays, early mornings, Sundays, and late at night. 
His number is XXXX Its called Lakeside on my contact In XXXX New York

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I have new mortgage with Wells Fargo. I am planning to pay more towards principal and bring the LTV down to 80 % but Wells Fargo won't waive my escrow account until 24 months later. 

The initial escrow account was around XXXX for 11months of property tax prepaid. My escrow account is over XXXX in only 2months. They're over-collecting money in my escrow account without any interest. I'd rather just to pay LTV down and manage the property tax and insurance payment myself.

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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
I sent a letter to RMC of America specifically asking them to verify debt with breakdown of fees including any and all collection cost and medical charges. I ask for a copy of my signature with the provider of service to release medical information. I was told that they could not validate because the place of service has been closed for years. RMC of America is a place of business and DO NOT have proof of validation. They are violating FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a letter from Capital One XX/XX/XXXX, XXXX saying they were closing my account because of inactivity. The problem with this is that there were a number of reward points associated with this account. And this closing letter was the first communication I had from them saying they were doing this. I never received a warning letter or a letter saying if something wasn't charged to the account that the points would be forfeited and the account closed. I called Capital One on XXXX different occasions after I got the letter and talked with XXXX different people, none of whom were able to resolve this for me. I asked to speak with a supervisor repeatedly and was never allowed to do that. I asked if the account could be re-opened or the points could be transferred to another account that I still have there, and was told no repeatedly. The last person I spoke with said she'd 'write a letter ' to appeal the decision and call me with the results. She called today and said they would do nothing to help me. The points are gone, the account will not be re-opened, and points can not be transferred. This is just like them taking money out of my pocket with no warning or ramifications. It's just not right and they're not willing to fix it. Please help. Thank you.

Company response to consumer: Closed with explanation