vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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: IL

Complaint narrative:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: OH

Complaint narrative:
XXXX XXXX XXXX disputes the debt because he made his contractual obligation to pay this account in full prior to the expiration date of a sales promotion based on information from your representative. XXXX XXXX XXXX overnighted the payment as instructed. KLARNA INC is attempting to extort additional fees and interest based on {$25.00} which they claim he was short in his payment ; however, the payment amount was verified by a representative and through no fault of Mr. XXXX he paid the amount instructed that was owed. 

Purchased electric scooter online. Financed with Klarna Inc XXXX. XXXX XXXX XXXX, OH XXXX 12 months same as cash. Account # XXXX Product was paid in full and company is now demanding interest and late fees for payment that was made. 

Four ( 4 ) Fair Debt Collection Letters have been sent and no response or verification of the debt by any of the parties. 

They continue to harass and send letters. All letters were sent by certified mail and verification they were received. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AR

Complaint narrative:
XXXX is reporting the account with COMENITYBANK/VICTORIA inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Nelnet, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have my saving account with synchrony and then my husband had deposited his paycheck in there but I didnt add him yet they called me and I explained it and apply for a joint account but now they restricted my account for the last 30 days and Im trying to pay my house its really been hard for 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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a loan for my business and tried to receive my funds and my account was frozen and locked..cant access my funds or anything at capital one bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Regarding XXXX, XXXX PHH Mortgage Services, Mtg. Loan No. XXXX. I applied for and received an initial COVID19 forebearance, although I never got behind on my mortgage during this initial period of 3 month XXXX or XX/XX/XXXX. After the first period expired, because we were still under pandemic and few people had gotten shots in XX/XX/XXXX a representative of PHH Mortgage Services called me and extended the courtesy of extending another 90 day period of Covid19 forebearance of which I went through the steps and accepted. I paid XXXX 's payment late because knowing I had the forebearance and nothing would report negatively on my credit bureau, I was about 45 days instead of under 30 days paying this payment. I got caught up on outstanding debts in XXXX and paid XXXX 's payment around XX/XX/XXXX or XXXX and then paid XX/XX/XXXX payment around XX/XX/XXXX which my account reflects this and show a due dated of XX/XX/XXXX. When I checked my credit PHH has reported my mortgage payment delinquent for XX/XX/XXXX. I called them and advised them they offered and I accepted the COVID19 forbearance for new 90 day period and they were not supposed to show my account delinquent. They then advised me I was NOT under XXXX forbearance. I asked them " how could this be? '' when they called me and we took care of putting the forbearance on my account per their discretion. They were rude and put me on hold and never came back to the phone. I am very upset about this reporting especially because they extended the " olive branch '' and offered me another forbearance just in case I needed it and now they have not put it on my file and have wrecked my credit bureau file. I need this fixed and I also need a complete payment history of this loan form XXXX through current because something is wrong. This loan is over 18 years old and the balance is up not down. the principle balance started at {$52000.00}. and is currently {$54000.00}. I don't understand. I know I had a medical hardship, and I struggled for a while, but payments were being made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Nearly a month after closing the account BMO Harris sent a cashiers check to me. I tried to cash this check at two locations that deal with cashing checks. Both of these places said the check could not be verified even after calling BMOHarris. 
I then tried to deposit this online to my bank they replied that they could not cash this check and that I should check with the person that issued the check. 
BMOHarris people have not called me back and I have called at least three different people. I was told Id be called back within an hour and that never happened. 
Once I wrote on the back of the check that it was for electronic deposit to my bank, no other check-cashing service will touch this check now.

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 2021-05-25 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: VA

Complaint narrative:
Multiple accounts on my report that are not mine

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 2021-05-25 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: VA

Complaint narrative:
Multiple accounts on my report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NJ

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted the documents on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: National Credit Adjusters, LLC
State: AR

Complaint narrative:
XXXX is reporting the account with NATIONAL CREDIT ADJUST inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Choice Money Transfer, Inc.
State: NJ

Complaint narrative:
I had to transfer money for an emergency situation. So, I seared in Web and found ''Choice Money Transfer, a member of Small World Financial Services Group ''. 
I created my profile and did my first transaction for {$1000.00} on XX/XX/2021, without any issues and they did not ask me for any documents. On XX/XX/2021 for second transaction, this transaction got me problems, I transferred {$1200.00} and they did not ask me for any documents till they debit money from my bank account. Later on, they started sending me emails for proofs on income and asked me to fill compliance form. The form is mentioned that 'It showed be filled for transactions over {$2500.00} ', despite that, I filled all my details and I shared all my documents ( I sent my personal confidential information 's ). After that, they took a day to process, but still they are not ready to validate my transaction. 
From the time I started the transaction, I called their customer service for more than 10 times and sent over 8 emails. I went into serious XXXX and confused state. 
Till then, they were not ready to complete my transaction, finally, they cancelled my transaction. 
They debited money from my bank the next minute I submitted my transaction. But, the refund process takes 3-5 business days. I can not accept this, If they are not ready to process the transaction, they should refund immediately. How will this is fair solution, During this 5 days time, I have to undergo lots of pressure and XXXX and my emergency situation had worsen. I am worried that, they can misuse my personal details in one or other way. This organization rules are not open and transparent to customers. Customer care executives are not ready to transfer customer calls to next higher level officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We refinanced our home with another lender. When we closed the current lender Mr. Cooper and new lender XXXX XXXX both paid the XX/XX/2021 taxes. XXXX paid the taxes because the lender stated they paid them on XX/XX/2021. The county did not have any record of the funds. Since this was not paid, XXXX paid them. I contacted the county of XXXX and was advised the payment that was received was from the new lender, XXXX XXXX. The funds from Mr. Cooper were not received until XX/XX/2021. Since the taxes had already been paid they rejected the payment and sent it back to the Mr. Cooper. I then called Mr. Cooper on XX/XX/2021 and was told they would send the refund within 2 weeks. It was not received. I emailed them on XXXX XXXX through their website and was provided incorrect information. I then emailed again on XX/XX/2021 to the complaint department to receive a letter stating they will respond on XX/XX/2021. 
They have held my escrow refund since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX. XXXX, XXXX wont give me break down or signatures regarding these collections

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 2021-05-25 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: OH

Complaint narrative:
I have sent several letters to XXXX, XXXX and equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not know who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office. Please DELETE these unauthorized inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
Experience, XXXX and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.

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 2021-05-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. XXXX and XXXX bith removed this public record for being inaccurate and unverified but yet experian refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove it.

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