vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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 LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE 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 2020-10-26 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 LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE 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 2020-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed for California Unemployment Benefits online in XX/XX/2020. I did not receive my Bank of America ( BofA ) issued debit card and thought there was an issue with my claim. I was finally able to reach an EDD representative on XX/XX/2020 and was told my claim was active and advised to call BofA about getting a card sent to me. 

On XX/XX/2020 I spoke with a BofA representative who located my account and informed me that the initial card was fraudulently activated and used and she proceeded to close that card and issue me a new one. The rep also reset my online banking credentials and PIN so that I could access my account online. I was told to contact the claims department to file a dispute for the unauthorized charges made to my account. On XX/XX/2020 I filed the disputes. I was told BofA would issue a provisional credit and mail me more claim information in the next 7 -10 business days.

After receiving my card, I created a login for online access and didn't see any credits applied to my account. I called the claims department back on XX/XX/2020 and a rep told me there was some kind of system error affecting many accounts and that she would need to " escalate '' my claim. Again I was told I'd receive credit within 10 business days. On XX/XX/2020 I still hadn't received any credit so I called the claims department again and was told because of a banking holiday on XX/XX/2020 the tenth business day was XX/XX/2020 and the credit would be applied then. XX/XX/2020 still no credit. I called the claims department again on XX/XX/2020 and was told no time-frame could be given.

I have not received any correspondence from BofA regarding my disputes. My claim with EDD is in good standing. Federal Law and BofA 's cardholder agreement establishes my right to receive provisional credit for unauthorized transactions within 10 business days while the bank investigates my claim. In this context, Bank of America is violating this right by failing to issue credits to my account for these fraudulent transactions.

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 2020-10-26 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by Navient contradicting their claims yet they refuse to correct the erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
This debt collector has appeared on my credit report, however, this is not my medical debt as I have never received a XXXX nor owe any type of medical debt. Furthermore, I have never received any type of correspondence from this debt collector as I do not owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: FL

Complaint narrative:
On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.

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 2020-10-26 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: TX

Complaint narrative:
There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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:
There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.

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 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had a credit card with XXXX XXXX  ( XXXX ). The store closed. The credit card I had was written off in XX/XX/2015for an amount not more than {$400.00}. Portfolio Recovery has had this account in their system since XX/XX/2015. They have continued to refuse to provide me with detailed, itemized statements showing I purchased items totaling {$11000.00}. They will only provide a statement showing the balance but not how I obtained that amount. I have been disputing this through the credit reporting agencies since XX/XX/2015. 

I demand itemized, detailed, line by line statements showing my purchases totaling {$11000.00}. This company produces fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed an alleged debt with Portfolio Recovery Associates to all three credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus provide verification of validated on the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of the alleged debt -a calculation of the alleged balance -documentation that shows I agreed to pay this debt -the agreement that grants them the authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 Portfolio Recovery Associates mailed a letter back providing on 2 out of the 5 items requested during the validation letter. The collection company only provided an explanation of the alleged debt and the calculation of the balance. However, they did not include documentation that I agreed to pay this debt, the agreement that grants them authority to collect on the debt or a copy of their state license including the license number. By not providing all of the requested information, they are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent Equifax several letters but I can not get them to fix their errors. Ive sent dispute letters about account errors and about my personal information they are incorrectly reporting but hey just keep verifying them. Im not really sure how they are verifying any of this information because Equifax is not even reporting my correct birth year. Equifax is reporting my birth year as XXXX but my year of birth is XXXX. I have tried numerous times to have them correct that information but they just keep verifying their information is correct? I only have one year of birth and I am pretty sure of what it is, in fact I have legal documents showing my year of birth, and I have also provided those legal documents to Equifax, multiple times. I have also reported a misspelled name Equifax has on my report as well as they are reporting numerous addresses that do not belong to me, but they continue to fail to remove those addresses. These addresses do not belong to me, are not correct and are not deliverable to me, therefor these addresses are not reportable as per the FCRA and need to be deleted. They are putting my information at risk, especially during a national pandemic when fraud had increased significantly. I am also confused how Equifax has verified the disputes I have sent when they can not even verify my correct personal information, as basic as my year of birth? Both XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Account # XXXX have been reaged to appear as newer accounts, as recent as XXXX and XXXX of XXXX when these accounts are TWO and THREE years old, respectively. Both accounts are also reporting past due balances ( when a collection account is, by default, past due ) and reporting the past due balances are in violation. ( See Attachments ) I am really confused why Equifax is reporting these accounts in such error as if they are intentionally trying to damage my credit even more and preventing me from even getting credit by failing to report MY correct information? I feel my only option is to retain a lawyer, it seems reporting my basic information should be extremely simple, especially after I have provided them with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
My wife and I were going through XXXX XXXX to have a home built. The process with them has been great, the problem weve had is with their preferred lender HomeBridge. The sale of our existing home and moving was based around an expected closing date of the XXXX of XXXX. The next day, Friday the XXXX of XXXX we were told by the loan officer and his staff that the closing was Monday now the XXXX of XXXX, and we would need an additional {$7000.00} at closing. The additional funds at closing was due to a clerical error on the loan officers part, admitting that they failed to give the appraiser paperwork for an upgrade on the house. This caused the appraiser to fall short on his appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
I purchased a XXXX XXXX XXXX  through sensible auto lending and was paying weekly until the last payment. I was not notified that the last payment cant be processed by the card they had on file they require a different form for the last payment. In XX/XX/XXXX I was denied a loan for a car stating that I had defaulted on my loan and the car was repossed. The car was actually totaled in XXXX and I continued paying. 
When I reached out to the company they kept giving me excuses of why they couldnt allow me to speak to a supervisor. After over a year of no one calling me back or sending me a copy of this last bill I disputed the false claims of the payments being late and that it was not repossed and also now that instead of providing me the information I requested to pay of the debt they told me to continue disputing it with XXXX and wait until it falls off my credit report. They refused to put the person that confirmed the information has been correct on the phone and when a customer service representative finally got on the phone after 3 hours today she after 7 attempts put a supervisor on the phone that disputed the information I was providing. 
I have been trying to resolve this since XXXX of XXXX and at every attempt I was refused the corporate office number or to speak to the person confirming the accuracy of the information on XXXX. You would think after over a year or calling I wouldnt be spoken to as if I was bothering the supervisor when Ive waited over a year to speak to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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:
XXXXXXXX XXXX  Transunion received its second complaint in regards to incorrect reporting on my credit file. Transunion has failed to comply with 15 USC Section 1681n and 1671o. 
XXXX Account XXXX and others. Transunion was notified that all XXXX XXXX are XXXX XXXX  of Texas, PA account associated with the XXXX XXXX and were paid by the XXXX. Under the XXXX XXXX XXXX XXXX of 2018 " Prohibiting medical debt that should have been paid by the XXXX to be reported as part of a veteran 's credit history. Yet Transunion continues to report these XXXX. accounts under my name and my credit report. 
XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Transunion continues to ignore the court order and reports this account as charged-off. 
XXXX XXXX Acct XXXX Transunion has the letter from XXXX XXXX  that they were unable to properly identify me as the holder of the account. A police report, a criminal identy theft case was filed with XXXX XXXX XXXX as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. 
XXXX XXXX  A police report, a criminal identy theft case was filed with XXXX XXXX XXXX  as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX said it can not verify the account due to the police report and the identity theft.This is the same account as XXXX XXXX, just resold. 
XXXX XXXX XXXX. 
The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Transunion falsely claims the account was verified. 

Rather than remove the items Transunion wants my dispute to confirm to its automated system rather than actually verify the information.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Called chase to ask for assistance. Won't enroll me in hardship program unless I'm employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

Midland credit management said I owe {$15000.00} to an old ( XXXX XXXX XXXX? Does not say what type loan. From original creditor, XXXX? I have never had a load from XXXX nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I submitted all application materials within 48 hours of request, oftentimes within 24 hours or sooner. I was told I would close on our refinance by the first week of XXXX. I received no updates. The first week of XXXX I reached out several times. Sometimes they told me to submit more materials ( some of which I already submitted ), and other times they told me nothing else was needed. One of the items they claimed they were pending is the required questionnaire completed by my HOA. I contacted my HOA and they submitted the questionnaire almost a full month earlier, but AmeriSave lost the questionnaire because they changed my loan processor without warning and it was sent to the old loan processor. I finally received my initial closing disclosure with a new closing date of XX/XX/XXXX. I received no instructions for closing day, so I reached out on XX/XX/XXXX and XX/XX/XXXX several times and could not reach my loan officer or loan processor until the end of the day on XX/XX/XXXX. They told me the underwriters were still reviewing materials and I can not close on XX/XX/XXXX. Had I not been proactive and not contacting my loan officer or loan processor, I would not know the status of my refinance application and what to expect. I still do not know what to expect, but I suspect that they are delaying my closing until after my new rate lock of XX/XX/XXXX expires or after the general election when interest rates are likely to increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation