vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
Middle aged white man, come onto my property, taking pictures and looking around. 
Observed person on property ; Went to front door and asked " how can I help you? '' Middle aged, white man, in blue jeans and baseball hat asked, " from your mortgage company ''. " Who's your mortgage company? '' Person would not identify himself, and in response to my questioning, put a document on my porch and walked away, disgruntled ; saying he was from my mortgage company, but would not say the name of the mortgage company. Instead he questioned me " do you live here? '' " whats your mortgage company? ". 

I began recording on my cell phone and spoke to him further. I wished him health for working for a corporation trying to undermine homeownership. 

He responded with " XXXX XXXX XXXX ''. Repeatedly calling me " XXXX XXXX XXXX '' as he got in his car and drove away. 

Specialized Loan Servicing sent a representative to my house, who then used hate speech, for no apparent reason when confronted by me. 

Corporately supported racism and hate crime targeting a single, XXXX woman.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
On my XXXX  credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked XXXX to remove these and they refuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I noticed on my credit report that this company added a collection debt on my 3 credit bureau credit reports. I sent them a debt validation letter within 30 days on XX/XX/2021. They have not gotten back to me and have not verified the debt. Due to this, the item must be removed from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I, XXXX XXXX have contacted XXXX on multiple occasions to make them aware of false information on my credit report. Ive asked for these inquiries to be removed, being that I have no recollection of inquiring with any of the companies listed below nor did I authorize these inquiries. 

- XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like these removed immediately as you are recording to my credit false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
I just reviewed my XXXX credit file and found out that there is a collection account on my credit file. The name of the collection agency is DNF ASSOCIATES .Account was opened on XX/XX/2020. The dollar amount is {$2000.00}. I believe this Collection is a result of identity theft. I am including the police report with the city of XXXX that I filed that my account at XXXX XXXX XXXX was compromised my mail was compromised in my social security card was Stolen.This collection company has never reached out to me By law I have 30 days to respond back to any correspondent that send to my address. 
I would like DNF Associates to reach out to me regarding this collection. I have opened a dispute with TransUnion. DNF Associates is in violation of fair debt collection Act I have never signed any contract with dnf Associates. I have never done any business with them and I never received anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
I've sent several documents to Professional Collection Services asking them for documents to validate this alleged debt. They received the documents on XX/XX/2021. It has been well over 30 days and they still haven't sent any documents of this debt that they ASSUME I owe. I'm asking CFPB TO HAVE PROFESSIONAL COLLECTION SERVICES REMOVE THIS COLLECTION FROM MY CONSUMER REPORT BECAUSE THEY ARE IN VIOLATION! 

Professional Collection Services state there was no response from the validation notice they sent out or numerous phone calls. 
15 USC 1692g ( c ) Admission of Liability ; The failure of a consumer to dispute the validation of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
Professional Collection Service doesn't have the right to say the debt is valid. You can ASSUME. Only I can validate any alleged debt. 

Professional Collection Services reported this alleged debt to the credit bureau. 
15 USC 1681 My credit/consumer report is my reputation. If a bad debt has been furnished to any consumer reporting agency, my reputation has in fact been ruined. Professional Collection Services reported bad debt to my consumer report. This is a violation. 

Professional Collection Services stated I owe an alleged debt that they can't seem to give proper and correct documents that I requested. You called in an attempt to collect a debt. Professional Collection Services is in violation. 
15 USC 1692b ( 2 ) not state that such consumer owe any debt. 

Professional Collection Services stated I didn't respond to any of their contact attempts. 
15 USC 1692a. communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
Professional Collection Service called me at an unusual time they are in fact a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has opened an account on my credit of {$1900.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good name. Im a XXXX XXXX, 100 %. Im not rich. I was recently still denied a new checking account because after contacting both companies no repair has been made. Ive now been constantly battling identity theft since 2001. Its disheartening and exhausting. Please compel this corporation to remove the negative reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted TransUnion on multiple occasions to try to address some inaccuracies on my credit profile. There are multiple inquiries that I do not recognize nor did I give consent to any of the companies to run my profile. The inquiries will be listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not only did I not authorize these inquiries, its inaccurate as I have no accounts with these companies. I want the inaccuracies removed immediately as you are to only report accurate 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 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I have created the account on XXXX and they have deactivated my account without any notice or reason. I have received the attached email then my account is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
As previously notified, I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I've been an upstanding JCPenney customer for years with a credit limit of {$700.00} and I've always paid my bill on time and my purchases have always stayed at XXXX XXXX of my limit or less. I just found out that they reduced my limit from XXXX to XXXX because my credit score dropped due to an inquiry. They are the only one of my merchants to do this and I have an excellent record for paying all of my bills on time. I called JCPenney to discuss this and I even spoke to a manager but they said there was nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
I'M HAVING AN ISSUE WITH TRANSUNION VIOLATING MY CONSUMER LAWS. THEY ARE NOT FOLLOWING THE LAW. 


1. XXXX Account XXXX : XXXX RE : Reinvestigation/ Dispute inaccurate information on my credit report. 

To whom it may concern, I recently disputed this account due to inaccuracy and validation of this account, not only has this account not truly been validated according to 15 USC 1681 Truth in lending nor by Section 609 ( a ) ( 1 ) ( A ).

1. I also wanted to inform you that since, XX/XX/XXXX, through XXXX XXXX, all federal backed student loans have been placed in administrative forbearance due to the COVID-19 pandemic. This means that there should be NO derogatory remarks reporting on my consumer credit report. XXXX Account Number : XXXX This account has been inaccurately reporting negative remarks from XX/XX/XXXX -XXXX XXXXXXXX. This is clearly inaccurate from the photos I am sending as well. PLEASE REMOVE IMMEDIATELY. The investigation must be completed 15 days after receiving this request pursuant to 15 U.S.C 1681i ( 7 ).

Pursuant to 1681 U.S. C. 1681e ( b )., whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I sent in my check for my mortgage payment inXX/XX/XXXX There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
For the last XXXX or XXXX months in a daily basis I get phone calls from XXXX XXXX from many different phone numbers. Some times I get as many as 3-4 calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
For the last XXXX or XXXX months in a daily basis I get phone calls from Portfolio Recovery from many different phone numbers. Some times I get as many as XXXX calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I sent in my check for my mortgage payment in XX/XX/2021. There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
enterprise has opened an account on my credit of {$490.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I have received a letter informing me my account has been closed and the only reason listed is excessive credit reporting agency inquiries. I have over 14 years of clean credit no missed payments and pay over the minimum. They should not have closed my account due do 90 % of the inquiries were my car shopping. I have over XXXX in open credit and on way a risk, their unwarranted action has hurt my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX has opened an account on my credit of {$550.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation