vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from 1st Franklin Financial. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity Theft and I've sent a letter last XXXX it's almost 30 days now but I Haven't received any response yet. I was so stressed and always thinking about how to solve this issue. I need 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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reported negative inquiries on my consumer credit report from other companies. Equifax obtained information from someone else and took information from someone else without my knowledge. 
Under the U.S. Code 15 1681 ( b ) - Permissible purposes of consumer reports its against the laws and a violation. I did not give my written consent or permission to Equifax to report those inquiries to my consumers credit report. No consent is identity theft and identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The Bank Of America Credit card shows open and that I have missed payments monthly. However, it closed over 3 years ago and a payment plan was put into place for this card. I would like all the missed payments removed and corrected on the balance.

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 2021-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, an application for a loan modification was submitted to XXXX and to the servicers law firm via email, with all requested supporting documentation attached. 

On XX/XX/XXXX, a letter was sent to my lawyer through my servicers lawyer saying that I needed to provide my most recent Tax Returns. On XXXX XXXX, I submitted those XXXX tax returns through my lawyers office who emailed them to XXXX and their counsel. A delivery receipt was obtained. 

My lawyer received an email from the servicers lawyer on XX/XX/XXXX, saying that they could not access what had been sent to another staff person at their firm and noted that the servicers notes indicated that the XXXX Tax Returns were still marked as missing. My lawyer responded promptly to the servicers firm, attaching the XXXX Tax Returns again and explaining that they had been submitted to the servicer well before the deadline, on XX/XX/XXXX. 

Today I received a letter from my servicer dated XX/XX/XXXX saying that the review of my loan modification application had been closed because they had not received the requested missing documentation. My lawyer disputed this with the law firm, and they told him since my tax returns were e-filed, the digital pin and verification signatures at the back of the returns were not acceptable. No one ever told me this. They just treated me like I didn't send them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion has reported information from companies and posted it to my consumers credit report. I did NOT give TransUnion my written consent or permission to do so. No consent is identity theft! TransUnion obtained information from someone else and took information from someone else without my knowledge, which is against U.S.Code 15 1681 ( b ). Identity Fraud.

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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone else bounced a check on my chase bank account for XXXX I had to pay for it and now have no idea how to get my SSI payments anymore because I'm banned and I don't have any id, they got my wallet. I also have a stimulus check I can't cash right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from World Acceptance Bank. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX ran my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: XOOM CORPORATION
State: PA

Complaint narrative:
Repeated phone calls for payment method that was sent back by this company saying I now owe a balance. Ive been utilizing this method for many years now this has never happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from CitiGroup. I have no banking relationship with this company and theyve pulled my credit on 4 separate occasions without my permission on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
we have a mortgage with BBVA Back in XX/XX/XXXX we went to the Bank and asked to do a Deferral for thee months. The Bank issued a Forbearance on the loan, that was XX/XX/XXXX, we maid our payments on time, never missed a payment, XX/XX/XXXX XXXX we Requested a payoff of the loan, we were in the process of a Re-finance,, we are Requesting a payoff of the Forbearance, as of to date we have had no Response from the Bank. XX/XX/XXXX we asked for payoff of Forbearance XX/XX/XXXX no correspondence with the bank we try to call and are re-routed to the country of XXXX, cant understand there language. we also Also back in XX/XX/XXXX they Requested we Pay Three month Escrow XXXX, XXXX XXXX paid {$970.00} All we want to do is pay off the Forbearance, not the Mortgage, Hope you can help us with this situation, we have had nothing but problems with this Bank we started with them back XXXX when we wanted a construction loan, What a Night Mare, the have gone from BBVA COMPASS Bank to BBVA Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
1-XXXX XXXX put me in a collection without my knowledge, but when I paid the just to avoid negative impact on my record I asked for it to be removed the first time they said in few weeks XXXX and it never was removed and today, XX/XX/2021 they tell me they will not remove it even it was paid in full. 

2-XXXX  and Equifax are not telling me any updates about fraud charges for hospitals that were no accurate, I have been in this dilemma for 4 years, every time is the same problem. 

3- My information was compromised according to the Equifax breach and there is information that shouldn't be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I sent a check for a total of {$7500.00} on XX/XX/XXXX through Capital One Bank 's courier service to a contractor for a partial payment of permitted work that was being done on my house. When I met with the contractor a few days later, he told me that he had not received the money or any deliveries from XXXX, Capital One 's courier. I immediately called Capital One bank and told them the situation. They said that they could not do anything about the issue for 120 days and that I should contact the shipping agency, which I did. They said the check was delivered. When I called back to Capital One, they sent me an affidavit to sign and made it seem that the issue would be resolved shortly. Well, it has been over six months, and every time that I call I receive a different answer about what is going on with the check. There has been no transparency and/or resolve to solve this problem. Since then to avoid problems with the contractor, I paid them the remaining balance out of my other checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
this company trying to collect money from me and i told them its identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The ARS Account Resolution that is listed on my report is inaccurate. There is no address and I have never heard of the company much less ever had an attempt to contact. There is no address or phone number for them either.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from OneMain Financial. I have no banking relationship with this company and theyve pulled my credit without my permission on the date of XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Stop checks from the companies from others in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a dispute to XXXX XXXX in the middle of XXXX because I have late payments on my credit score from the beginning of the covid pandemic. Those late payments were not suppose to hit my credit report. XXXX XXXX had a relief program at the during the first 10 months of the year in which I signed a document stating that the months would go towards the end of the loan-term period. However, I am still seeing the late payments from the deferred period and this is impacting my payment history.

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 2021-09-02 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
There are many errors on THREE different accounts for Midland Credit Management. One of the accounts is past 7 years and should be taken off my report. The other two accounts have a few errors with balances and open/close dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The report on Comenity Capital/ XXXX XXXX XXXX  is highly inaccurate and has errors. The balance is wrong. It should be XXXX  out.

Company response to consumer: Closed with explanation