vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: IN

Complaint narrative:
I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just a lot of things done without my consent. 

I sent this request days ago, and your stating this isn't me this is me letting you know about MY CREDIT REPORT. Quit responding back saying this isn't me and you'll update me. I want this investigated with proof or deleted. Im attaching once again my FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt from XXXX XXXX. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- Gurstel does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian and XXXX report incorrect dates on my credit bureau report for Chapter XXXX Bankruptcy. Information should have been removed XXXX. Experian and XXXX  are verifying information through a 3rd party company and not the Court. I have contacted the court and they have told me that they Do Not verify bankruptcies for credit reporting agencies.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently sent out a letter on XX/XX/2020 to Equifax to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my understanding, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX my mortgage company sent me a loan installment statement with a payment amount equal to two monthly payments ( double payment amount ). I called to inform them that I have never missed a payment and the Statement was incorrect. The customer service representative said they must not have processed my XXXX payment and that I would receive a corrected, up to date statement in XXXX. I received my XXXX statement and it still showed that I was behind on a payment ( statement showed that 2 payments were due ). I called the Mortgage company again and a different Customer service Rep. said she looked into it and their system showed that I was behind on a payment that I missed in XX/XX/XXXX. After pleading with her to thoroughly recheck her information because I have never missed a Mortgage payment in my life she refused then transferred me to the Escalation services department. The representative in that department said her system showed that I had missed a payment one year ago also. After I ended the conversation I immediately went to my computer to check my bank records, finding a copy of the check they cashed in XX/XX/XXXX. The check also had my account number written on the front. I called them right back to inform them of my information and that representative found the payment in her system but I was told they will send the matter to their Audit and Research dept. to investigate. She said they would send me notice in the mail of the outcome within 7 days. They never sent any thing in the mail, so I called them to get updates, about 3 weeks later and several phone calls they said they found my XX/XX/XXXX payment. It was not cleared up until XXXX. The next month in XXXX when I received my mortgage installment and additional {$270.00} was added to my monthly payment, again I called the Mortgage Provider and the Customer Service Rep.said it was a mistake on my account and a corrected statement would be sent to me within 5 days. I never received the corrected statement so I paid the correct amount, hoping that they would correct the mistake. It is now XXXX and I received another statement that is {$270.00} more than my payment should be. I called the Mortgage Servicer again asking for a correction also an explanation of why this is happening. I was transferred to the Escalation Services Dept. and given no answer but was told my account would be sent to Auditing and Research to investigate. I have been going through Installment Payment problems with this institution since XXXX it is now XXXX, I don't know how this affects my paying off my mortgage. Am I being penalized in anyway because of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a delinquent account for the company below : Capital One XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my paid in full statement. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Over the past year I have used direct deposits from PNC Bank to pay for my rent on XXXX. However, as I entered a new year of my lease, XXXX says that PNC 's policy changed and no longer will link to the avail account, keeping me from directly paying my landlord through the rent payment platform. This issue was uncovered XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my Pnc business account with XXXX XXXX. But it will not let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I have sent two letters to Experian regarding innaccurate information with my two forms of Identification. One letter on XX/XX/2020 and one letter on XX/XX/2020. They are in violation of the fair credit reporting act 611 ( a ). They are violating my rights because they are saying I'm not the one who sent the information just because I know 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 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have no relationship with Comenity Bank. 

Their automated caller is ringing my phone which increasing frequency from 5 different numbers. The recording says the status of a Wayfare account has changed and asks if this is ( person ) Press 1 if yes and Press 2 if no. If I press 2 the system hangs up. I don't know the person they are asking for and have never had a Wayfare card, or an account at Comenity Bank. 

The calls are increasing frequency '' XX/XX/XXXX 1 call XX/XX/XXXX 2 calls XX/XX/XXXX 1 call XX/XX/XXXX 1 call XX/XX/XXXX 4 calls XX/XX/XXXX 4 calls Numbers used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The system won't give me the option of talking to a person. The increasing frequency is abusive and unfair. The use of multiple numbers is designed to defeat call blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NVR INC.
State: NC

Complaint narrative:
NVR Mortgage at XXXX XXXX in XXXX North Carolina, the company are holding the keys to my home. The closing has been recorded, the money has been wired and they are refusing to answer my calls. XXXX in the office stated I just dont want to have nothing to do with this they are holding the keys because of my color. They have showed complete racism toward me. They purposely made this experience difficult for me. I have documentation to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that XXXX XXXX should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from XXXX XXXX to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Starting on the XXXX of XX/XX/2019, I fell victim to fraudulent Crypto Currency companies named XXXX ( the Companies ).  Money was transferred from my account to the Companies via credit card for a total amount of XXXX GBP utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: PA

Complaint narrative:
I recently sent out a letter on XX/XX/2020 to Experian to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.

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 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I refinanced my existing mortgage with a separate bank. Upon closing with my new bank, I paid my loan in full at US Bank and Mortgage. Nearly four weeks later, they sent me an escrow check with my remaining escrow balance. However, on the balance I noticed they retained approximately {$240.00} to pay mortgage insurance! Why would they keep {$240.00} to pay mortgage insurance on a mortgage that I have just paid off. More troubling, is that this was done with no explanation whatsoever. I had to comb oover my statement to uncover the discrepancy. 

Upon calling US Bank, they informed me that I am paying for previous months and because I paid closed on XX/XX/XXXX, I am required to pay for the entire month of XXXX. This makes no sense, particularly where my mortgage insurance was not paid from my Escrow account on the first or 2nd of the month. This might seem like a small amount of money but {$240.00} goes a long way in my house and for my family. 

At a time where money is tight during the pandemic, I find this conduct egregious and I can't even imagine how many other consumers are subject to this type of predatory behavior. If my mortgage is discharged, I should be getting my ENTIRE ESCROW BALANCE returned. US BANK should not be allowed to retain money to make future mortgage insurance payments on a discharged mortgage.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I requested how the information in my report was validated and LexisNexis refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
So, on are about XXXX thru XXXX of XXXX, I tried responding to paying down some credit card debt with U.S.A.A and had made payment arrangements. I spoke with several agents in the Credit card dept. Talked with XXXX from member debt solution I.D . XXXX regarding my XXXX XXXX XXXX. 

In addition set up automatic payment plans with confirmation I.D . numbers as follows : XXXX, XXXX, XXXX. Spoke with agent XXXX on XXXX, spoke with XXXX on XXXX, XXXX from member hardship I.D . XXXX whom had a negative attitude. 

Essentially, other additional months ensued before some actions were taken because at the time of said arrangements, I believed they were in motion, much to my chagrin arrangements were not honored two months later. This resulted in several expensive fees on credit card accounts however one account remained in an arranged payment status, which is why it was baffling that, U.S.A.A did not answer my many request to alleviate these problems. 

Furthermore U.S.A.A continued to charge fees and place negative remarks on credit report, and since outsourced to collections with XXXX XXXX XXXX of which I have disputed with C.F.P.B and gotten a response in lieu of Covid-19 and inability to get a appropriate determination with U.S.A.A on how this problem got worse

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