vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.

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 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint on XX/XX/XXXX in regards to an issue I have been having with Bank of America due to money that they owe me I only have until the XXXX of XXXX to claim the money before it is forfeited over to the state however I have contacted them as well as filed a complaint with you which should have stopped my time although Bank of America indicating different they responded to the complaint I last filed on XX/XX/XXXX indicating that they would have a resolution by the XXXX of XXXX which has now passed and that they would contact me at the updated contact information provided however they failed to do so and are giving me nothing but the runaround and refusing to pay me the money thats owed to me so Im filing another complaint hoping that this time this one gets me somewhere

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 2020-05-16 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: AZ

Complaint narrative:
These are not my accounts, or addresses on my credit file. Additionally, I didn't authorize these companies to pull my credit. Please remove 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 2020-05-16 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:
Experian and XXXX Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. Experian ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction 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 2020-05-16 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: NV

Complaint narrative:
I have requested the METHOD OF VERIFICATION multiple times with XXXX  and Transunion concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, and Transunion used as proof to verify the bankruptcy. XXXX, and Transunion has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX  and Transunion investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX XXXX, AND TRANSUNION whom all are third party agencies. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this investigation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I will be sending a copy of this letter to the CEO of XXXX and Transunion. I will not accept any more template responses from XXXX  and TRANSUNION!

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 2020-05-16 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: AZ

Complaint narrative:
These are not my accounts, or addresses on my credit file. Additionally, I didn't authorize these companies to pull my credit. Please remove 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 2020-05-16 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: LA

Complaint narrative:
I lost my billfold at XXXX in 2010 and i recently reviewed my credit report and noticed someone using my personal info i have tried to dispute the accounts several times with credit agencies no response to help

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 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed a complaint about a month ago in regards to this matter I as well have contacted the company on numerous occasions however I havent gotten anywhere So Im filing this complaint again in hopes that This time I will get some type of resolution this complaint is in regards to money that was in my account and was fraudulently taken out of my account and I was never provided the credit back for the money that was stolen from me because they said that the claim wasnt in my favor however they still have yet to show me proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I filed a dispute through Experian with the Dept of Defense. The item is nearing 7 years and I requested removal. 

On XX/XX/XXXX I received a message from Experian regarding an update to my dispute. The update was them adding a date of removal as XXXX. 

It's my understanding that the item remains 7 years from date of the last payment activity and that the consumer can not change that date. 

How can they add an incorrect removal date.

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 2020-05-16 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: Scratch Financial, Inc.
State: TX

Complaint narrative:
I opened an account with Scratch Financial in XX/XX/XXXX. I have paid the monthly payments on time to-date. Their reporting of my account to credit bureaus showed I had only made two payments in XX/XX/XXXX and XX/XX/XXXX, which made my credit score diminish because it showed a high balance in XX/XX/XXXX and payments not made. 

I called Scratch Financial 7 times to correct the problem. I also filed a dispute with XXXX   and they contacted Scratch Financial. Scratch Financial had 30 days to reply and they did not, so, they were deleted from my account and my credit score decreased by 32 points on the day XXXX removed Scratch Financial from my credit file. I need Scratch Financial to correct the error, but they have not to-date, and I have been dealing with them for the past 3 months to correct their mistake of not reporting my loan account status monthly. Their lack of reporting correctly has already cost me a loan. My credit score dropped XX/XX/XXXX and has been -38 points ever since. 

Hopefully you can do something. I am building my credit and I have worked hard to pay these XXXX on time to grow my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA keeps correcting the balance I owe them on my credit report then putting it back on my credit report. They have been doing this for years when the debt has been paid in full. They are still reporting it as a current debt and keep refreshing it like it is a new debt. I want the debt removed from my credit report and I want USAA blocked from reporting on it ever again as I do not do business with them for this very reason and have no intentions of ever returning as a customer again after this poor management of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: FL

Complaint narrative:
In XXXX XXXX, XXXX submitted an incomplete remark regarding a " loan modification '', but did not indicate that it pertained to XXXX, causing my account to be flagged as a Loan Modification which dropped my score XXXX points. This submission of " historical data should NOT have had any affect on my score. This incomplete remark that XXXX submitted has caused me a lot of headache as I have had to fight them to take responsibility. I have attached proof that after XXXX XXXX  submitted the " Loan Modification '' remarks it dropped my score XXXX  points of which I have not recovered.

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 2020-05-16 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: MS

Complaint narrative:
Yes I have been saticefied with the actions of credit bureau when comes to my credit. I have submited Identity Theft Reports to bureau 's and there are still Addresses and accounts that they refuse to take off and it is affecting my ability to get credit. And I'm looking to buy a property in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: LA

Complaint narrative:
I lost my billfold at XXXX in 2010 and i recently reviewed my credit report and noticed someone using my personal info i have tried to dispute the accounts several times with credit agencies no response to help

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 2020-05-16 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: TX

Complaint narrative:
I am writing this due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: WA

Complaint narrative:
Late payments showing on my credit report.i set up autopay there's no way im gon na be late for payments.two of my checking account was linked for loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have contacted Harvest Associates to inform them that they are reporting an inaccurate medical collection on my credit file. I also believe that any company that has given Harvest Associates any information concerning any medical information about me is in complete violation of HIPPA and so is Harvest Associates because I have never given any company permission to share my medical information. Not only that I am a victim of identity theft and do believe that this account is a I direct result of such. I have never done business with Harvest Associates and have never had any obligation that suggest I owe any monies to Harvest or any company that they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Doctor bills from XXXX due to XXXX XXXX Im not about to pay and the had XXXX for possible XXXX XXXX. 

I was also in the hospital XX/XX/XXXX thru XX/XX/XXXX for XXXX and Im not able to pay hospital bills.

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 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recently submitted a complaint with cfpb against Atlantic Credit and Finance. That complaint was closed because they said the debt was recalled and to reach out to Midland Funding LLC, even tough Atlantic Credit and Finance is a subsidiary of Midland. Now I am making a formal complaint with Midland Funding LLC. 

In XX/XX/XXXX, I received a collection notice from Atlantic Credit & Finance Incorporated, attempting to collect a {$17000.00} debt. I had no knowledge of my rights to verify collection debt with Atlantic Credit & Finance Incorporated before giving them access to my bank account to auto-debit the monthly payments. 

On XXXX XXXX, I tried to contact them with my NY Department of Consumer Affairs financial counselor, waited on hold for 15 mins before being directed to a voicemail. Again, on XX/XX/XXXX I conducted another three way call and attempted to contact Atlantic Credit & Finance by phone and got no response. I left a voicemail, but never received a call back. I then proceeded to their website and attempted to contact them via their inquiry portal and was able to submit my inquiry but never heard back. On XX/XX/XXXX, I received a notice that Atlantic Credit & Finance Incorporated transferred the debt to Midland Credit Management/ Midland Funding , who reported the debt on XX/XX/XXXX at {$16000.00}. On XX/XX/XXXX, I received a new notice stating that I was on a payment plan and that my new balance owed is {$5600.00}. I never spoke with Midland Credit Management/ Midland Funding to speak about a payment plan, nor did I provide them with any information regarding my checking or savings account for this payment plan. On XX/XX/XXXX, an ACH-debit from my checking in the name of " Midland Funding LLC '' was successfully able to withdraw from my checking account. Since then, I have contacted my bank and placed stop payments on both " Atlantic Credit and Finance '' and " Midland funding LLC ''. 

The original creditor is XXXX XXXX. This debt does not appear on my credit report : the debit, my payments towards that debt, or any mention of Midland Funding or any of its subsidiaries ( Atlantic credit and finance ). In total, there has been a debit of {$2000.00} from my personal checking account as referenced from my personal accounts and the " Recent Payments '' section on their most recent account statement under the name " Midland Credit Management '' ( please see attachments XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
About a year and a half ago I took a loan of XXXX dollars and its paid every 2 weeks but because most of the payment goes to interest it never goes to the bill I am still paying almost 2 years in and the interest rate must be illegal and payment every 2 weeks is at least XXXX to XXXX dollars which is crazy something needs to be done with speedycash

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of fraud where my debit card got stolen and had chargers on the account. When I called the bank they said they werent fraudulent. When I looked at the place Of the transactions they were no where need my address. After this the bank closed my account took the XXXX and said we are no longer able to maintain your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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:
XXXX  and Transunion Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. XXXX ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction 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 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I have reached out to Concentric Receivables about an alleged medical bill that does not belong to me. I am a victim of identity theft and have asked this company to provide proof that this debt does belong to me yet that have failed to do so. I do believe that this debt is a result of identity theft. I also know that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization so I am confused as to how and why this company would have anything about me anyway. I am more than sure that I have never had an obligation to pay Concentric Receivables any monies. I also do know that any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. this company failed to even allow me to validate this account that I am more than sure is an account that is a direct result of identity theft.

Company response to consumer: Closed with explanation