vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX To whom it may concern, Re : Filing a complaint against Sagestream LLC for not complying to place requested security freeze on my credit report since XXXX of 2020. 

I am filing complaint against Sagestream LLC for not placing a freeze on my report as requested. 
This company was notified to place a freeze on my personal report numerous of times since XXXX, then XXXX, XXXX, XXXX and XXXX and as yet to comply. 
Each time they have been giving ridiculous excuses upon excuses as to why my freeze letter containing unfreeze pin has not reached my mailing address provided. 
First excuse was the agent spoken to did not completed the request Second excuse was it was sent to me and it should of been received maybe due to covid the mail service is a little slower. 
Third excuse was that they sent it to a wrong address, which is untrue because to have a freeze place you have to verify all identification on file including address. 
The four time they said address was corrected and you should receive information by mail within 10 business days nothing was received. 
The fifth time called I requested to speak to management and I was told by a representative by the name XXXX who I've spoken to in numerous occasions whom as been sometimes unprofessional told me XXXX was unavailable at this time and he will be returning my call soon, still no response. 
Please assist me in getting this matter resolved. 
Under the Fair Credit Reporting Act it is my right to place a security freeze on my report and this company has not yet complied to my request, instead have been using it to defame my character. 
Thank you for your time on this matter and I hope to hear from you soon. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We are a family of XXXX. My husband lost 2 jobs due to the pandemic and was told he did not qualify for unemployment because they were per diem jobs. This was a significant loss of income for us, but I still had my income from my job. We thought we would be able to pay all of our bills from my income, but our mortgage payment for XXXX went 30 days past due. We did not and have not since requested any type of payment deferment for our mortgage, and continue to pay on time. Bank of America 's statements sent to us all state " We're here to help. '' We requested Bank of America work with us this one time and give us an accommodation by reporting our mortgage as current. The late reporting for one payment dropped my credit score 70 points. We are a family of XXXX working hard to meet all of our obligations with the loss of 2 jobs during a global pandemic. We have been paying our mortgage and other bills and only asked Bank of America for this one time accommodation due to the pandemic. They denied our request. This drop in credit score is causing financial difficulty for our family. We understand we have a contract with Bank of America and that this is their normal policy, however given the circumstances we believe a one time consideration would not be an unreasonable request during such challenging times.

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 2020-10-27 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: TX

Complaint narrative:
I received an alert from Experian a few weeks ago that a collection item was added to my report but when I try to file a dispute online I receive a response telling me that I must call them ( Experian ) to dispute but when I call them, no one answers. Every number they provide is automated and no one ever picks up the call which is very frustrating and Im being denied credit because of the error on 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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person

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 2020-10-27 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: NY

Complaint narrative:
There are inaccurate accounts, addresses, and names listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MI

Complaint narrative:
After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Equifax has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX the XXXX, also have included a photo copy of my Michigan state identification, and social security card so Equifax can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I reviewed my XXXX  credit file and noticed an inquiry dated XX/XX/XXXX performed by a company named XXXX. My employer uses this search company and I suspected that an employee had performed an unauthorized credit personal information search. I researched XXXX and found out it is part of the LexisNexis company and proceeded to contact them by phone. I spoke with a representative who advised me the would look into the situation and I proceeded to file an inquiry with them ( LexisNexis Consumer Number XXXX ). On XX/XX/XXXX, I received a response from LexisNexis advising me that they had completed their investigation and had been unable to locate any inquiry on XX/XX/XXXX ( Attached ). I did not immediately realize LexisNexis was citing the wrong date. Several weeks later I contacted LexisNexis to advise them of the incorrect date. The customer service representative looked up my Consumer Number and advised they would investigate the correct date. After several months, I once again contacted LexisNexis for a response. I was given the runaround but that I would receive a written response. Another several weeks went by and again I called LexisNexis and given more excuses. This time, however, they did provide a written response, dated XX/XX/XXXX, stating that in response to my inquiry they had contacted XXXX, XXXX  and XXXX  for a response and not received one from any of those companies. Neither of those companies had anything thing to do with my inquiry ( with the exception XXXX  who was merely reporting the inquiry ). Those companies did not initiate the inquiries, their own subsidiary XXXX was used by their own client for the unauthorized inquiry. 

I have also contacted my employer regarding the unauthorized inquiry but they have stated they have no record of an entry regarding a report on me on that date in their logbook. Of course the individual who did the unauthorized inquiry would likely not have entered it into the logbook, which does not speak very highly of their internal controls. 

I need LexisNexis to confirm who requested the unauthorized inquiry of my information through their subsidiary XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
Everyday around XXXX Arizona pst time UPSTART loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX  my time! But they always do! I have The screen shots of missed calls to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Called to get understanding of the debt was advise that I JUST NEED TO PAY WHAT I OWE BECAUSE I KNOE I OWR IT! Then when I asked for breakdown of the account advise I should have gotten the letter if I didnt then that my fault! Asked for validation letter but one never came and also asked for move out statement providing proof of amount owed via email and by phone never received it! Also asked for a settlement and was advise THEY DONT DO SETTLEMENTS Procollect is aggressive and abusive and goes against FDCPA Regulations and UDAAP 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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management sued me without ever sending me a letter to my current address with notice that I could dispute this debt. A default was entered fraudulently due to a motion for extension of time that Midland did not notify the Court was being filed. I am now waiting for my court hearing on a motion to set aside judgment. This debt was a SECURED account that I received years ago after foreclosure and bankruptcy, and I told the original creditor to apply the security deposit and close the account. The original creditor subsequently sold this debt to various debt buyers, and it ended up with Midland. The address on the Summons was an old address, and Midland did not bother to have their process server give them the new address and send me the required advance notice. They have sued me for hundreds above the credit limit. I asked twice for the contract and statements and I have been ignored by their attorney. It remains to be seen if the Court will overturn the judgment and give me time to answer. If they do not have the original documentation, then they came to court fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My mortgage was included in a chapter XXXX bankruptcy that was discharged XX/XX/2020. The Trustee 's office sent the final payment in XXXX and I began making payments in XXXX. I noticed Quicken Loans was not applying the payments to my loan and that the funds were sitting in some partial payment unapplied account. 

The first time I called Quicken Loans they said they would only speak with my attorney because I am in bankruptcy. I informed them that the bankruptcy had been discharged and sent them the discharge document that they claim they did not receive. I was told it would take 90 days to process. When the 90 days was up and I saw no change, I contacted them again and sent a print out of all of the payments that were sent to them through the trustees office which totaled {$65000.00}. I asked them why the payments had not been applied to the account and was told the trustees office did not tell them how to apply the funds. 

I even sent a letter requesting that my account be corrected and that I also wanted a detailed print out of all my payments and credits for the last 5 years because there seems to be errors not only on my billing statement, but my credit report, and my annual tax statement. It has been over three months and I have not received a response. This year I have received 3 different tax statements from Quicken Loans, all incorrect. 

I received my XXXX billing statement today and it shows that I owe {$13000.00}. It also shows an unapplied balance of {$22000.00}. When I first started questioning the errors on my account in XXXX the unapplied balance was {$6000.00}. This means its been almost 2 years since they have applied payments to my account. 

I have even requested to speak to the bankruptcy department only to be told that I am not allowed to speak to them. 

My credit report is also showing a past due balance even though they have received full payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/20 a number called my father who I haven't spoken to in years and told him I was in trouble and had a pending case against me. Then she called my mother and identified herself as XXXX XXXX. She then became interrogating my mother asking if we live together and telling her I was in trouble as well. This number has only called me once and should not be contacting my family telling them I am in serious trouble. Once I called the number she gave my mother, it was a preceding office stating the cash store filed 3 charges against me. The cash store is also stating I owe them XXXX when I really owe them XXXX. I do not agree with their communication tactics as I haven't received anything, but 1 phone call which was this morning, XX/XX/20, and for them to harass my family is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CA

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the Experian and the XXXX  reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both Experian and XXXX  still shows it. XXXX did remove it. Even though XXXX of XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I called the number that was in the letter, The telephone answering services has no options to speak to rep. There was no programmed option to cancel the card. However I spoke the option of cancelling and the card was closed. 

However this credit card was opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
XXXX around XXXX Arizona pst time XXXX loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX my time! But they always do! I have The screen shots of missed calls to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting inaccurate information on my credit profile, the inaccurate information in question is the addresses of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX. these address are not my address and I have never lived at any of or affiliated with any of these listed addresses. I have attach a copy of my Michigan state drivers license, with my correct address, and my social security card so that Experian can successfully identify me and know I authorized this claim. some of these address may be the result of identity theft, so I will also attach a copy of my identity theft report. the address on my state id is the only address that I recognize and is my correct address.

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 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-10-27 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the CREDITCD/FBT partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
Good morning, I received a phone call from an unknown number at XXXX XXXX  on XX/XX/XXXX. There was a voicemail issued to me from a young lady from XXXX XXXX stating that I will be summoned with paperwork to my address & that paperwork will be issued to my verified place of employment. The number was ( XXXX XXXX XXXX as a call back & the reference number was # XXXX. 

I called back to XXXX, XXXX XXXX XXXX and was connected to representative ( paralegal? ) XXXX XXXX. XXXX XXXX was rude & told me I was wasting his time by insulting his intelligence, and he also told me that I obviously dont understand how credit works when I notified him that I do not recall having this account. I notified him that I disagree with the allegations that this is my account. His aggression was not necessary. Apparently, the ring purchased had a {$520.00} balance for {$190.00} ring. I notified XXXX XXXX that I do not recall having this account. Apparently the last payment was made in XX/XX/XXXX. On XX/XX/XXXX the account was opened. Payments were made on the account. I have no idea who this creditor is but I will surely be reaching out to Kay Jewelers directly regarding this matter. Threatening to send me to a court that may or may not be open due to COVID makes no sense. He did offer me a settlement and also offered $ XXXX {$150.00} payments per month. And when I commenced to telling him that I was not claiming the account, he commenced to screaming, insults, and abuse. 

Best, XXXX XXXX  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation