vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
Crown Asset Management and their XXXX XXXX XXXX XXXXXXXX have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX Accounts that Crown Asset management and XXXXXXXX XXXX XXXX have tried to collect on : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
MEDICREDIT INC. a collection agency, has placed several damaging remarks on my credit report ... I have no knowledge of these alleged debts. They attempting to collect for : XXXX XXXX XXXX 3 different amounts, {$510.00}, {$550.00} and {$2200.00} I never received any written notice of this alleged debt nor did I received notice of my right to dispute or request validation of this debt ... a debt that this agency has already reported as valid when in fact it is not. 

The notice serves as my formal complaint pursuant to the FAIR CREDIT REPORTINT ACT and FAIR CREDIT BILLING ACT. 

This agency has clearly violated my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MO

Complaint narrative:
XXXX  Senior Personal Lines Underwriter XXXX XXXX notified my XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. They have sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or over a dozen phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' their false information without having the opportunity to see what information on me they are selling and without being able to get a copy of my credit report after 6 solid months of trying to do so. Here are the dates on which we contacted them by phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to them requesting credit report and insurance score : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft. I have attached report showing the accounts and inquiries that are inaccurate. I have contacted Equifax on multiple occasions, yet Equifax has not removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing items on my credit report, for over 60 days, XXXX, today is XXXX, with no responses. TransUnion is stalling and by law, they can not do this. Please remove all items that I have attached from my credit 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 2021-01-29 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 have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 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 2021-01-29 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 have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
XXXX XXXX Business account is reporting negative information to my personal credit account. I am not the person liable for this business account.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP
State: IA

Complaint narrative:
I noticed I had a credit inquiry from a US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/2020 I do not recognize this bank or why they would inquire about my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted

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 2021-01-29 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: TX

Complaint narrative:
The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
IN XXXX, I became divorced from XXXX XXXX, who holds a mortgage at LOAN CARE. The divorce decree requires that I refinance this property into my name. The property title has been quit claimed and in my name since XXXX. I am now in the process of doing a refinance, and I can not obtain pertaint information to finish my refinance. 
The contact with my ex husband is EXTREMELY limited. I can not get any information from him. I have faxed my documents to them in XXXX in reference to a fire and insurance claim, so they KNOW that I am the owner and have seen these documents. 
I can not speak with anyone there. No one picks the phone. I constantly need my ex husbands information which I do not have. 
I must obtain a 12 month mortgage payment history, mortgage statements, and a payoff. How can I fulfill the divorce decree requests if this lender does not cooperate with me. I have been the paying the mortgage for years. Please help me.

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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was received an offer from XXXX XXXX XXXX XXXX on behalf of Capital One Bank to pay off the debt in full in order to have the account removed from my credit report. i have attached a copy of the correspondence from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating the account will be removed within 30 days however, the account balance was paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: LA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.

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 2021-01-29 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: LA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
Greetings to all and I pray that all is well during these trying times. I've had an issue with multiple accounts appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/XXXX for {$270.00}, XX/XX/XXXX for {$2500.00}, XX/XX/XXXX for {$6600.00}, XX/XX/XXXX for {$2400.00}, Collections XX/XX/XXXX for {$67.00}. I reached out to XXXX, XXXX, and Transunion in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to XXXX, XXXX, and Transunion explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing these accounts from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.

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 2021-01-29 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: GA

Complaint narrative:
Greetings to all and I pray that all is well during these trying times. I've had an issue with multiple accounts appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/XXXX for {$270.00}, XX/XX/XXXX for {$2500.00}, XX/XX/XXXX for {$6600.00}, XX/XX/XXXX for {$2400.00}, Collections XX/XX/XXXX for {$67.00}. I reached out to XXXX, Equifax, and XXXX  in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to XXXX, Equifax, and XXXX  explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing these accounts from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX inquiry is currently being reported inaccuratly on my Equifax consumer report. This is a violation of FCRA rules sec. 1681 XXXX XXXX reports with no permissable cause, no loan or credit has been award. 

I did not give permission to creditor to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ

Complaint narrative:
XXXX XXXX XXXX and their Attorneys Rausch and Sturm have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX  XXXX  that XXXX XXXX XXXX and Rasuch and Sturm have tried to collect on : 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 2021-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We are a small business, who applied for a SBA/PPP Loan last year via Citibank. After much back and forth, we were approved. however the process allowed a lot to be desired. As such, we decided to use a different lender for this years SBA/PPP loan. 

Attempting to fill out forms for the new round of SBA/PPP loan requires for us to submit our SBA Loan Application number.

Contacting our account manager, or branch directory, and at least 5 other people in Citibank and their branch we usually do business at in XXXX, NY. Noone is able to give us the SBA Loan application number, this is just a 10 digit number and is suppose to be available to us. 

They have actively refused to supply this loan number to us, and in a fashion to lock us into citibank only services. 

Multiple calls, and emails have been recorded requesting this information. 
The lastest round of email sent to citibank requesting this information has been ignored as usual. 
XX/XX/2021 XXXX, sent to XXXX, XXXX XX/XX/2021 XXXX sent to XXXX, XXXX, XXXX, XXXX. 
also has gone ignored. 

It is illegal to now give us the SBA Loan application number, and they are actively sabotaging our right to apply for a SBA/PPP loan with a different lender. 

I required your intervention as soon as possible. We literally just require a 10 digit number from them. We went as far to logging into their citibanks own forgiveness website, and we were greeted with a masked number. SBA / etrans number is : XXXX. In essence its been 2 weeks fighting citibank to give us this 10 digit number.

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 2021-01-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL

Complaint narrative:
Back on XXXX my mother XXXX XXXX XXXX passed away. In XXXX we were served foreclosure documents on this property. At the time the property had been through a fire and the reverse mortgage lender was willing to accept {$40000.00} to settle the debt on the house. I also have a copy of that appraisal the ( Reverse Mortgage Lender ) did at the time that advised me of what they wanted on the property. Even though the payout amount they wanted was fair at the time I could not get a loan because of the condition of the home. So I was left with the hard choice of having to file for bankruptcy in XX/XX/XXXX in order to save my home. The lender Reverse Mortgage Funding LLC agreed to be part of my foreclosure process in order to help me reorganize my debt. That meant a lot to me and gave me hope of saving my home. So I begin making bankruptcy payments in XXXX and everything was well until XXXX XXXX when the Reverse Mortgage Funding LLC said they made a mistake because they assume that I was the husband to XXXX XXXX XXXX and now wanted to get removed off the bankruptcy and start the foreclosure process again. I was told this information from my bankruptcy attorney. As you can imagine I was shock and totally blindsided by this information. So the Lender 's Attorney and my Bankruptcy Attorney was trying to come up with a plan to add me to the original Reverse Mortgage Loan. However, the Reverse Mortgage Lender said they could not add me to the loan. Also, this is not what I wanted to begin with because I had already taken of this debt by filing bankruptcy and having them included in my monthly payments. However, I was told that the Reverse Mortgage Lender plans on removing themselves from the bankruptcy and filing foreclosure documents against me and the estate. This is troubling because they are trying to go back on their word since originally agreeing to be part of the bankruptcy puts me in a bad position because I trusted them to follow what they agreed upon back in 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