vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re ; Unauthorized hard inquiries on EXPERIAN I have a concern with several unauthorized hard inquiries reporting unfairly. Experian received my 2nd unauthorized hard inquiries on XX/XX/XXXX at XXXX XXXX  via usps certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian has not even initiated an investigation, this is my 2nd attempt to EXPERIAN. 
I demand they investigate these unauthorized hard inquiries and send me results. 

The following unauthorized hard inquiries need to be investigated and deleted immediately per FCRA federal law 604. 

Creditor : XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX Please comply with my request

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 2021-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted A dispute with experian on XX/XX/XXXX. I disputed several items. I just received a notification that my dispute is complete. But when I checked it it appears that experian only disputed one item. I demand that they investigate all the items on my letter because its their job! According to the fair credit reporting act they have 30 days to investigate. They failed to do so and I demand that all the items be removed as soon as possible.

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 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX and XXXX XXXX we were charged with over {$5000.00} for items from XXXX we did not purchase. We called XXXX and gave them the order numbers supplied by Bank of AmericaXXXX XXXX Credit Card. XXXX had no record of us purchasing these items plus we have never used the BOA credit card for XXXX purchases. We have a XXXX bank credit card for XXXX purchases. 

We filed a complaint with BOA and they absolved us of the charges in a letter dated XXXX XXXX XXXX But then on XXXX XXXX, XXXX BOA sent us letters and put the charges back on our account, We then reopened the fraud claim and they have denied it. We requested proof that the purchases were delivered. BOA refused, We don't not what else to do.

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 2021-03-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over XXXX days and I havent received any investigation results.

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have amsher collection reporting to XXXX credit bureaus that are not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
1.The purported debt collectors have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in 15 USC-1692 ( d ) 806. Their language and conduct violates the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and business etiquette.

2.The purported debt collectors failed to provide VALID CERTIFIED STATEMENT OF ACCOUNTING 15 USC-1692 ( g ) 809 ( b ) ( UCC ARTICLE 9 ) upon several requests and demands for valid certified statements of accounting and violates my rights as a consumer. The law requires that ALL DEBT COLLECTION ACTIVITIES MUST CEASE until such debt is validated and or verified FCO representatives are obligated by law to act in good faith but have yet to show any good faith efforts. I am backed by the FULL FAITH AND CREDIT of the United States, public law 93-224 so there could be no honest claim that any I owe any debt to this debt collector. 

3. WITHIN 7 DAYS OF THIS NOTICE TO AGENT IS NOTICE TO PRINCIPLE, the purported debt collector must immediately PERMANENTLY REMOVE AND DELETE the harmful and fraudulent accounts being reported to all credit bureaus to which the debt collector is currently reporting.

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 2021-03-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tirelessly contacted the bank. Ive even contacted Experian but Experian still has inaccurate information on my report. XXXX XXXX tells me they cant see back to XXXX and cant remove the late payments. But I can see back to XXXX through my statements. 
Ive told them I have proof of payment via transfer directly to credit card & yet on Experian this XXXX and XXXX days late as of today it has not been removed. 
This is harmful and is becoming seemingly malicious.

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX, Pressler & Pressler attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt XXXX envelope from Pressler, Felt, Warshaw LLP. 

XX/XX/XXXX I received a certified mail package From XXXX XXXX XXXX, Pressler, and XXXX XXXX of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

XXXX XXXX XXXX remained XXXX, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that 1 ) this debt was paid by bank levy, 2 ) Pressler and XXXX XXXX have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: OR

Complaint narrative:
We closed on our loan with Finance of America in XXXX. Our first payment was due XXXX XXXX On XX/XX/XXXX, we decided to make a principal curtailment payment in the amount of {$1400.00}. Before making the payment, I called Finance of America to make sure the account was set up and ready to accept the payment. I offered to pay over the phone through a representative to avoid any mis-allocations of the funds. The customer service representative informed me that if I did that she would charge me a fee. Therefore, I requested that notes be made in the account stating that I would be sending in a principal curtailment payment electronically. The same day, XX/XX/XXXX, I made an electronic payment on which I indicated that the funds were for principal curtailment. 

Finance of America processed the funds on XX/XX/XXXX. In spite of my best efforts at communication, part of the funds were applied to XXXX 's payment instead of reducing the principle as requested. I received a statement stating that no payment was due until XXXX. I was surprised. On XX/XX/XXXX, I called Finance of America and requested the funds be allocated according to my wishes. Please recall no payment was due until XXXX first. This time the representative informed me that until I made XXXX 's payment, they could not make a principle curtailment payment. I made a second payment on XX/XX/XXXX in order for them to process said principal curtailment. A ticket was created and sent to the 'appropriate ' department. 

I followed up with Finance of America on XX/XX/XXXX or XXXX to see if the issue was resolved. I was informed that they would be completing the ticket on XX/XX/XXXX. 
Today, XXXX XXXX I received a statement from Finance of America stating that no payment was due until XXXX XXXX. Thus indicating that all my attempts at having funds allocated appropriately were in vain. I tried to call customer service and requested to speak with a manager, before the transfer, I requested that if the call dropped to please call me back. I also contacted our loan officer, who is trying to be very helpful and gave us the information needed to contact you. As of this writing, no-one from Finance of America customer service nor the servicing department has called me back. 

We are not happy with how they have handled a new customer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX I paid off Comenity Bank - XXXX account - to a XXXX balance and have NEVER used their card ever again. I had both called the bank and wrote them a letter that the account had been paid in full and would no longer be used because I didn't agree any longer with their interest being charged. I thought that was the endd of it until last week. 

I was checking my credit report and discovered that as of XX/XX/XXXX this bank had norified the credit bureaus that the account had been closed - thus I received a XXXX point drop in my credit rating because of a CLOSED account. 

This account was PAID OFF IN FULL, not closed by the bank. This MUST be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
Today, XX/XX/21, I start receiving calls from this collection company to call them about debt they have purchased. I didn't return the call due to not having any bills in collections. When I got home and checked my mail, I received a letter from XXXX XXXX XXXX Mitchell D. Bluhm & Associates , LLC XXXX claiming that I have a medical bill in collections from XXXX XXXX. This is incorrect. First, all bills from this hospital have been paid over two years ago and second, I now work for this hospital and was never informed of any past due debts. 
I want this company charged with harassment and trying to scam me out of {$2200.00}. If possible, I want this amount as compensation to me for this notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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:
I have reviewed my credit reports from Equifax, XXXX and XXXX and have found the following fraudulent inquiries on my credit report : Fraudulent Inquiries Under Equifax XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXXl

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have a home loan through XXXX bank. On XX/XX/2021 I was informed that XXXX will be handling the servicing of my mortgage with further details to come. On XX/XX/XXXX the loan was transferred. I was told I could go to the website and get all details about the new set up. However, I was unable to access the website and I am still unable to access the website. I was informed over the phone that the reason is that I live overseas and the website is blocked. 
This is more than a minor inconvenience as XXXX XXXX has designed customer interaction with their product to be through the website. Going forward I do not know how I will be able to get information about my loan and ensure payments have processed. 
There is a phone number that can be dialed but there are long wait times and I have to pay long distance charges. Additionally, as I live overseas the time zone differences make placing a call challenging. 
I was told that this is done for security reasons but I do not understand why that is because I can access all of my other financial institutions from overseas. I do not see how this is sustainable for me in the long term and as this is a mortgage I do not see where I have an alternative as it is not easy to switch this over to some other company. I feel that I am at risk of having problems with this mortgage if I can not access the website. When I initially engaged with this product I did have overseas access and I no longer have that access. I would have never selected a mortgage that did not allow me to access it from overseas.

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 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

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 2021-03-02 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: GA

Complaint narrative:
I did not authorize these companies to make any inquiry and view my credit report. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NV

Complaint narrative:
These accounts listed aren't mine. Not sure why they are there. My name isn't even right, and there are some addresses I have never lived at. 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 2021-03-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These accounts listed aren't mine. Not sure why they are there. My name isn't even right, and there are some addresses I have never lived at. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint reporting credit services. All my personal data was accepted, but did not get an email or to print it. I need my XXXX free credit reports XXXX. 

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Company response to consumer: Closed with explanation