vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}

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 2020-09-01 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: FL

Complaint narrative:
I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, XXXX, XXXX, and Transunion. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.

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 2020-09-01 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: FL

Complaint narrative:
I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, XXXX, Equifax, and XXXX. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Harvard Collection Services. I requested a validation on XX/XX/2020 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has it been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CA

Complaint narrative:
The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy 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 2020-09-01 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: CA

Complaint narrative:
The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Alerted XXXX  XXXX XXXX and Wells Fargo we have been scammed from a client of Wells Fargo for our closing money/down payment for our home we were purchasing. The fraud person was pretending to be sellers attorney asking for the payment through wire transfer to not delay the closing due to the corona virus pandemic and money was sent via wire transfer on ( XX/XX/2020 ) the money was sent and the day of closing ( XX/XX/2020 ) we found out it was a fraud/scammer! Now XXXX  and Wells Fargo are not doing a better job of returning my funds back from this scammer! I can provide more documentation if 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 2020-09-01 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: CL Holdings LLC
State: CA

Complaint narrative:
i have sent dispute letters to XXXX and after i did they sold my debt to someonesle. i have also file disputes with jefferson capital systems and yet to hear from them. Im sick of them ignoring my request to resolve my credit issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank for Lowes did not send paper statement for XXXX. Called 3 times to try to correct and requested paper statement but did not receive. Made on line payment, received 2 emails stating payment received, then received phone message to call them. Spoke to 3 people who insisted payment was NSF but the problem was it was not posted to the correct account. Unable to find a person to let me finish a sentence to correct this. Have perfect credit, made a payment when one was not due and now being harassed about it.

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 2020-09-01 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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:
XXXX XXXX Account XXXX is showing as closed. Account is not closed. Account is active. 
Previously addressed with Transunion on XX/XX/XXXX and XX/XX/XXXX. 
Information is still incorrect. 
I have attached copy of XXXX statement dated XX/XX/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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: AK

Complaint narrative:
I have a successful dispute, I have spent the last 2.5 months trying to get this resolved with Apple/Goldman and even after getting their email that my dispute was successful, they refuse to credit my account. The item I ordered was being shipped to a bad address. I notified Apple before it was shipped and they said they would cancel the order and I would have to reorder the item because they said they where unable to update the shipping address. I was told the item would be returned to Apple. So, I reordered the item and it was sent to the correct address. Apple did not cancel the order. It was delivered to the bad address. I was sick paying for both items. They finally resolved my dispute but yet they have not and will not credit me and are still charging me for the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: FL

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/2020 explaining how I sent a letter on XX/XX/2020 to this company regarding inaccurate and unknown things on my credit report. I also sent a follow up letter to the company on XX/XX/2020 right before filing the complaint with the CFPB. The company has been given over 60 days to comply and they STILL have been ignoring me. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

On top of all that, the company replied to the CFPB complaint within 3 days stating that " your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' and then marked the complaint as closed. This happened even though I sent all of my complaints by mail with copies of my drivers license and passport and a proof of address ( utility bill ). 

How can an arbitrary response like that close the dispute with nothing being resolved?? This is a stall tactic from this company and I will not be taken advantage of anymore. 

It has been over 60 days so the items in question should be deleted promptly from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person, yet this company doesn't seem to care about my rights as explained in the FCRA.

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 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
On Monday, XX/XX/XXXX, I was contacted via phone by a representative from this financial institution. The representative on the phone asked for XXXX XXXX. She proceeded to say that she was calling in reference to a check that I cashed from my account. I asked again where she was calling from and she stated the place of her business. I said I am unaware of what account you are talking about. She proceeds to say we are calling about a check that was sent you at XXXX and gives me my previous address. She never asked me for my address. I responded by informing her that I have not lived at that address for about 17 months. She said did you cash a check into your account for {$600.00}. I again explained that I have no idea what she is talking about, I do not have an account with their financial agency. She asks again am I, XXXX XXXX? I said yes I am. She then discloses my prior address again. I sternly explain, I did not cash a check and I no longer live at that address. She says is your DOB and discloses my DOB information, followed by is your Social Security Number and discloses my entire SSN. I said ma'am where are you getting all of my sensitive personal information. She proceeds to say that they will need to make a police report if I did not sign this check. At this time, she places me on hold and the manager comes to the line and says that I can come into the business and verify the check. The signature does not match and the manager says that I should not file a police report! I asked the manager how someone could cash a check with my name and no identification was needed. She said she did not know. I know that when dealing with sensitive information, especially through a financial institution, sensitive information is never to be disclosed. I feel as though this company broke a breech of privacy and personal information. I did contact the local police and make a police report, I also reported this to the post office as this was a check that was mailed. I have an investigation started with the mobile banking app for the account that the check was deposited into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In summary, I purchased a flight that was changed once by me then cancelled due to COVID. The travel agency I purchased it from has declined to give me the refund or flight credit I am rightfully due. My bank, Chase, has failed to protect me from this non-delivery of services and failed to resolve my dispute. They say that " too much time has elapsed ''. This is a case of non-delivery of services purchased. Furthur the travel agency is found to be very difficult and stealing refunds from people - I'd expect my credit card and my bank to protect me. Full timelines are in my evidence which was also submitted to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
My complaint is in regards to the unprofessional conduct that I received from SN Servicing by XXXX XXXX the account manager handling my account. I have spoken to her on several occasions about my account and each time she has been rude, argumentative, evasive, and refuse to provide me with information regarding my account ( encounter dates XX/XX/2020, XXXX and XX/XX/2020 ). Her unprofessional conduct towards me has been a barrier to me getting pertinent information on my loan ( i.e. mortgage payment information, property tax information, overpayment of property tax info., and property tax refund info. and a new escrow analysis ). Each time I have tried to talk to her about my mortgage payment, and property taxes she has refused to allow me to speak. She has rudely over-talked me, interrupted me and have hung the phone up on me or put me on hold while I am speaking without returning to the phone. I also emailed Ms. XXXX regarding my concerns on XX/XX/2020, after I was given her email address by her supervisor, MsXXXX XXXX. When I asked Ms. XXXX today ( XXXX ) why she did not respond to my email sent to her on XXXX, she lied and said she did not receive the email even though she noted on XX/XX/XXXX in my account that she had received the email. I have spoken to her supervisor XXXX XXXX on each occasion that Ms. XXXX was rude and unprofessional to me, and I was assured each time by Ms. XXXX that Ms. XXXX behavior would improve, and that I needed to talk to Ms. XXXX directly because she is the person handling my loan. On today, XXXX I spoke with Ms. XXXX again in an attempt to get an update on my mortgage payments and property tax payments and she refused to allow me to complete my questions, and again she was extremely rude and cut me off by putting me on hold while I was speaking. While she kept me on hold for about 10 minutes I contacted SN Servicing on another line to report her conduct and I was able to speak to the supervisor XXXX XXXX, about the matter. Ms. XXXX response to my complaint was that she was not on the call so she does not know what happened and told me to write a complaint to the legal department. I would like to be able to get professional, appropriate, and timely responses from SN Servicing in regards to my loan. I would like a new escrow analysis, and an accounting of the funds that were paid for property taxes as well as to have SN Servicing request the refund that is due from the District of Columbia resulting from an over-payment of taxes. However, to date I have been barred from getting timely pertinent information about my loan and these actions by SN servicing is threatening to drive my loan into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Colony Brands, Inc.
State: AL

Complaint narrative:
I am not sure what is going on with Ginny 's. I have had an account with this company for over seven years and has never been late with a payment. In fact, I have always paid this account in full when ordering items. I have tried to be civil and correct this problem with Ginny 's to no avail. What happened is Ginny 's billing system, where I purchased an item and never received a billing statement until I received a notice from XXXX  that my credit score had dropped due to Ginny 's reporting a 30-day late. I immediately contacted Ginny 's and paid the small amount over the phone. This is dirty pool!!!!! I advised the phone tech to check my payment record where I have never paid late. Why is Ginny 's mistake been reported as a 30-day late and such a small amount? If you want to bill a customer, why not send out a bill via online or through the mail -- in which Ginny 's never did in this instance. Did not even receive a reminder -- nothing.

Company response to consumer: Closed with explanation