vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: TX

Complaint narrative:
I allegedly had A loan with A company by the name of XXXX XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and XXXX and XXXX  has --. I reached out to XXXX at XXXX  XXXX XXXX  and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX  branch number XXXX at XXXX XXXX who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX  the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact XXXX XXXX to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TX

Complaint narrative:
I allegedly had A loan with A company by the name of XXXX  XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and Experian and XXXX  has --. I reached out to XXXX at XXXX  XXXX r and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX branch number XXXX at XXXX  XXXX  who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX  has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to world finance the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact world finance to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!

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 2020-11-03 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:
In mid XXXX, I filed a dispute with Transunion for a negative item on my credit report. The negative item was from a collection company called XXXX. I mailed in documents from the original creditor showing that the debt did not belong to me. It shows someone with the same name, but different middle initial and a different mailing/residence address. 

I have previously disputed this item with Transunion 6 months ago and it took them well over 45 days, which by law they would automatically have to delete the negative item, which they did not. On top of that, I asked them to send me documentation on how they verified the item showing it belongs to me and they stated they do not have any evidence that the debt belongs to me, but that the collection agency stated it did, so they take their word for it. I find this very disturbing as anyone can state that you or I owe a debt without any proof and Transunion will just take their word for it and report negative information on our credit reports.

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 2020-11-03 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: VA

Complaint narrative:
Experian explain to me why you are using stall tactics instead of abiding by the guidelines set forth by the FCRA? 

You know XXXX well its me, XXXX XXXX disputing the errors on my credit report and not a credit repair agency. How dare you call the CFPB a credit repair agency!? Thats audacious! 

Ive already sent in a copy of my ID and proof of address therefore I will NOT be sending them again, so stop stalling. Furthermore this isnt a request for a new investigation, Im asking for proof of my prior investigation WHICH proof of ID isnt required as it was submitted with the initial dispute. 

So again, why are you continuing to report accounts that are in non-compliance with 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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hi, During the CV-19, I was temporarily applied for forbearance with the mortgage company MyloanCare from XXXX to XXXX. My monthly mortgage is {$1400.00} x 3 = {$4400.00} deferral to the end of my loan. The company mess-up was so bad that they show on my statement that the total amount is {$16000.00}. I called every week since XXXX. They promised to review my accounts. Until today, they still not corrected even they admitted on the call with me that is a mistake. It is so stressful and I am about to XXXX. I need to file this complaint as I believe others may run into the same situation. Please help to review the company accounts as I think they are not honest to the clients. 

thank you so much and looking to hear from you, Myloan 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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/2020 {$3800.00} XXXX was transferred from XXXX XXXX XXXX checking ) to TD bank ( checking ). A review of my account on Monday XX/XX/2020 and observed the {$3800.00} in my checking account. On Tuesday XX/XX/2020 the {$3800.00} was removed from my account. Subsequent telephone calls with TD bank representatives indicated no transfer or a deposit of {$3800.00} was debited to my TD bank account. XXXX XXXX  provided a transaction number and verified the TD bank account number. I have spent several days inquiring about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Esperian XX/XX/20 - Inability to conatact a person I am in the process of refinancing my home and several rentals. I needed to unfreeze my account at Experian so that the mortgage company could access my credit report. On the afternoon of XX/XX/20 I accessed Experian 's systems and received a confirmation that the account was unblocked. The next day I received an email that indicated that Experian had blocked a request for information from a mortgage company. I tried to call several numbers for help and in each case was given 2 alternatives in each of which did not give the option to talk to person to clarify the situation. 

My concern is that time is of the essence in this situation and they should always give the option of talking to a person. Please note that companies that depend on sales customer support are always very responsive when calling unless they are in the process of going out of business. 

I will be sending a copy of this compplaint to the CEO of Experian in XXXX XXXX CA

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: CA

Complaint narrative:
The credit card company is still trying to collect on the debit after they sent me a 1099-C and it was reported on my taxes as income. However, they are still trying to collect on this debt and reporting it as open and late every month on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a charge on my credit card from Experian EXP Pay CC {$110.00} XXXX XXXX, 2020. This is not an authorized charge. It has no phone number on the charge and I do not have a statement to help contact the company. When I attempted to call a number i found from researching Experian numbers to dispute this charge, the answering service is all automated and you go around in circles starting with you must enter your 9 digit Social Security #. I called before XXXX XXXX and I refused to type my SS # so I called back at lunch with the same process. Trying to get an answer then at XXXX I finally gave in and typed my SS # then they requested my date of birth, your numbers on your street address and your zip code then it replied that wasn't enough and I had 2 choice of which neither were what I needed. XXXX and XXXX. I just need HELP contacting this company and they need to not be asking for all this personal information. I do not mind writing, emailing or calling but this company gives you the run around and does not have an easy solution to get your money back for a charge.

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 2020-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE NOW DISPUTED THIS ACCOUNT 5 OR MORE TIMES NOW XX/XX/XXXX XXXX XXXX OR TRANSUNION HAS YET TO PROVIDE ANY CONTRACT OR PROOF THAT THIS ACCOUNT BELONGS TO ME REMOVE THIS ACCOUNT FROM MY CREDIT I NEVER APPILED FOR 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 explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
My ex husband fraudulently opened an account in my name in which I have him listed. I am divorced from him as a result. The accounts listed are not my accounts, and I did not authorize these companies to run my credit. I am not a credit repair company nor am I a mortgage company. Please remove them as I am trying to buy a house and I have stellar credit beyond what is listed.

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 2020-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I have used both Avio Credit and Speedy Cash in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
My ex husband fraudulently opened an account in my name in which I have him listed. I am divorced from him as a result. The accounts listed are not my accounts, and I did not authorize these companies to run my credit. I am not a credit repair company nor am I a mortgage company. Please remove them as I am trying to buy a house and I have stellar credit beyond what is listed.

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
i was a [ plying for hsbc credit card acount and did not have all my information and came back with all my information to apply hsbc co refused to allow me to finish my application and still refuses to let me finish my application with all my information i obtain.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
I am constantly ignored for weeks by staff assigned to my home loan, I am update at best once a week on status of my loan, I am lied to by the loan offer on closing date an required paper and etc. I leave constant email, voicemails, and text messages and I never get any kind of replied only when I file a complain with customer service do I get a reply. I was yelled at by one of the loan team for filing complaints than she basically called me a liar. I am XXXX XXXX XXXX and I have to report to my new duty station on XX/XX/XXXX. Me and my family are homeless right now because the mortgage company told us they would close on the XXXX and than the XXXX of XXXX, and told use we be closed before our current lease was up so we where good to move but they lied and there for we are homeless right now. It is XXXX XX/XX/2020, we spent all our money waiting in a hotel for them to close cause they keep promising they will close that week than the next and the next and I'm still being ignored, lied to and insulted by this company I am about to lose the house I'm trying to buy because they do not do their part and constantly lie about need paper and the statues of the loan. I want some kind of responsible and respect and apology form them for this has uprooted me and my families life made us XX/XX/XXXX and all I get is lie and insults form them. There is absolute no respect for a customer or people who serve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: SC

Complaint narrative:
I called XXXX XXXX corporation for a pay to delete a account of of my credit and the agreed but its still on there reporting as closed payed account they said If i pay they will delete it off of my credit and send a letter of Deletion also ask eqifax delete the account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I allegedly had A loan with A company by the name of XXXX XXXX in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to Transunion they have the last activity date for the account as XX/XX/XXXX and XXXX  and Transunion has --. I reached out to XXXX at XXXX XXXX r and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX XXXX branch number XXXX at world finance who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that transunion has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact world finance to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!

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 2020-11-03 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: CA

Complaint narrative:
XXXX has sent a 1099-C which was reported on my tax return. The debt was cancelled and it's still be reported every month as negative. I have asked for an investigation and they come back as verified as accurate. Obviously, it's not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX and absoule recoveries these account are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
I received unauthorized charges on my credit card account and reported it to the credit card company in XX/XX/XXXX. The total amount of charges were over the amount of {$710.00}. The account was closed and placed under a 90 day investigation. After the 90 day investigation ended, the credit card company did not resolve the charges in my behalf and proceeded to charge back the unauthorized charges to my credit card account. I've contacted the credit card company to appeal the charges on several occasions. Furthermore, I've contacted this credit card company on XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. However, I was continuously treated with hostility in regards to resolving the unauthorized charges including mailed and faxed affidavit forms from this credit card company.

Company response to consumer: Closed with explanation