vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: GA

Complaint narrative:
Equifax is illegally and dishonestly stating they are unable to locate a credit file for me with the same identification Ive used for XXXX years my social security number and card and my valid and legible drivers license. I have since XXXX attempted to have them remove inaccurate and misleading credit information with dispute letters and the proper identification they are still lying that they cant locate a file for me. Im tired of this and now Im going to also file a complaint with my states attorney general and contact a lawyer to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have tried to contact SE Toyota Financing by mail regarding my account and the late payments being took of my credit reports. During the past few years I've had to take care of my family and members who had severe illness and caused me to fall behind on some of my payments. This will help me out tremendously with my financial situation for myself and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
InXX/XX/2019 an exchange was done in store by sales worker that was an even exchange. I never heard anything from this credit card company until XX/XX/2019 when they were reported a late balance owed. After reviewing my account with a customer service rep in XX/XX/2019 they verbally agreed a mistake was made with billing and fees occurred over the entire year of XX/XX/2019without me ever being notified. They assure me they fixed the issue. Then in XX/XX/XXXX I got another email about a balance. This time they were not helpful when I called. The XXXX cent difference in the incorrect exchange got added to my account not until XX/XX/19 listed as a LATE FEE. Then every month the company added Late Fee 's and Interest Charges to the account without notifying me. Statement history shows past due balances for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and yet none of these Past Due payments were ever sent to credit bureaus or myself until XX/XX/2019 ( all statements will be attached ) They agreed that this was all their error and never fixed the issue. I have tried to dispute with credit bureaus and they are not updating my files and this is damaging my credit for something that was company error. I feel they should not have any late payments on my credit history as they had not ever notified me of these illegal charges and they owe me the money I paid to close the account in good standing because they were reporting negatively to the credit bureaus and damaging my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Please review to make sure that application for payment plan change or whatever the proper term is correct. I am not sure if I was eligible to have the plan changed. I reviewed the application documents or whatever again at a later date. 

Also, I think I didn't receive statement ( s ) for whatever reason. I have been at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX since like XX/XX/18. 

I can't attach anything because I don't have a laptop, desktop, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
XXXX was terminated in XX/XX/2019, and had no contract with my company. My credit card company agreed to review my case with XXXX and determined my company did not owe XXXX about {$250.00} since I HAD GIVEN NOTICE TO TERMINATE XXXX XXXX properly. I was previously on an auto-pay to my credit card company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: FL

Complaint narrative:
I had a previous complaint XXXX and the company placed it on my credit without my knowledge and did damage to my personal and professional life I might never recover from. Their response was that they would mark as a dispute. I checked my credit today and that did not happen. On all three credit report they were marked as open collections and I had to go and dispute them. They did not take the steps that they said they would do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Problem with personal statement of dispute
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS has maliciously reported incorrect information on my credit report. I disputed with documentation of the loan letter closing statement and they are reporting a charge off as of XX/XX/XXXX when this was closed out XXXX. I had a XXXX daughter with XXXX XXXX  XXXX and my husband walked out. It is horrendous that this company can get away with reporting this incorrect information! Loan number was XXXX property address XXXX XXXX XXXX XXXX XXXX fl XXXX. Why can't I sue them for errors like this and hold them accountable!!!! Where are my rights? You call then and get the run around. This is on my XXXX  credit report and XXXX XXXX   finally updated the correct information. My name is 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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was working in XXXX while my resident in XXXX XXXX FL, when the virus outbreak started I had to break my lease and move back home, the apartment owner didn't care about the virus and ask for {$3400.00} for breaking the lease, I couldn't afford that since I'm still out work, didn't get any government help and don't know when i can get back to work. the debt make it's way to National Credit system , INC, they start immediately calling sending letter treating me, my first action was to send a register mail asking for ACCOUNT VALIDATION REQUEST, they ignored that and keep sending mail and calling, I'm not sure what is my right at this point and how to move forward, I apricate same help and direction on this matter. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, Capital One threatened to sue XXXX XXXX, over an alleged credit card account. OnXX/XX/XXXX Debt Collector, XXXX, XXXX, XXXX  XXXX, filed a lawsuit as a courtesy to Capital One, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XX/XX/XXXXXXXX XXXX, responded to lawsuit, via facsimile, at XXXX  ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX  XXXX XXXX XXXX XXXX, because the validation notice is not a pleading. As of today,XX/XX/XXXX, neither Capital One, or XXXX, XXXX, XXXX  XXXX, have responded to the debt validation request within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XXXX my credit score dropped a 100 points for no reason, I disputed this with the cfpb and it was corrected, within a week. Now in XXXX it dropped 105 points. Transunion have repeatedly done this to me over the last three years. I'm not for sure what is going on, either they purposely are doing this for their on own personal gain or there is fraud going on with my transuinon account. I have articles showing how Transunion has done this to many people.

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 2020-06-02 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: IA

Complaint narrative:
Without any notice I had an entry on my credit report from MIDWEST RECOVERY SYSTEMS, LLC. I called them to ask about it and explained that I have never received a statement in the mail either from the original client ( XXXX  Hospital ) or MIDWEST RECOVERY SYSTEMS. The person I spoke to was very rude and continued to speak over me to the point I got frustrated and had to continue to raise my voice just to be heard. This is apparently a collector for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both of which have very incompetent. 
-- - She just continued to tell me the bill is 3 years past due even after explaining to her that I never knew I owed anything. This is ridiculous circular logic that gets nowhere. 
-- - She indicated they called many times but never received an answer so filed on my credit report. I once again argued that I never received anything in the mail regarding this. I explained that in America citizens are neither required to have a phone nor answer all of the spam, scams, and junk calls they get. MY phone is for my use calling people and receiving calls from existing business contacts not random people 20 times a day. I further explained that the USPS is protected and is the form of contact that MUST be used for financial/billing issues but she continued to ignore my very valid arguments and ask how I would be paying the debt. 
-- - It is not fair to expect people to answer their phones. This company needs shutdown or update their practices to prevent this type of bullying. I NEVER had a chance to correct the issue before having my credit impacted. This issue has cause a LOT of stress and frustration and even lost sleep all because they can not mail a letter. Because of their ridiculous tactics I have now spent well over two hours on the phone, on the web, pulling my credit report just so I knew who to call, etc, when this VERY easily could have been resolved in about two minutes by a letter in the mail with a payment web address.

People should not have to go through this process ( Approaching two hours I had to take off work to address this ) without even being notified of debt all because the provider billing is incompetent. I ALWAYS pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my account through PNC to the XXXX  app and I have been unable to do so multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: GA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee  looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXXXX not mine INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX/XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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