vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 2021-08-27 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: NY

Complaint narrative:
I was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank is reporting late payments. I never recall having late payments. They should report current, on-time payments. Please delete late payment marks on my credit report as it is incorrect, false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: MA

Complaint narrative:
Experian continue to violate the FCRA requirements with my dispute with XXXX XXXX account XXXX. This account has been Re-Aged from XXXX to XXXX. Re-aged account is a serious violation of the Fair Credit Reporting Act requirements by Experian. This violation by Experian is causing harm and injury to me preventing me from obtain financing.

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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IA

Complaint narrative:
On Friday XXXX XX/XX/XXXX, I received a letter that said my wages would be garnished. There was a default judgement in a Michigan court XXXX XXXX XXXX. I have not been a Michigan resident since XXXX XX/XX/XXXX. I do not owe this debt, or have ever had a XXXX XXXX, or applied for one. As stated in the documents received, this debt is from XXXX. This debt would be beyond the statute of limitations. I believe that the debt collector fraudulently used the courts to gain money from something, that wasn't owed and was beyond the statutes of limitations. I would ask for your help in preventing me from being a victim of unscrupulous Debt Collectors. I would also ask the criminal charges be pursued against a company that would operate in this way. 
I was also told by the attorney 's in Iowa that I would have to find an attorney in Michigan to handle this and there was nothing they could do for me. I feel as though this unethical debt collection company has roadblocked me for every option of disputing this debt. The judge who has acted on this order without reason is in the XXXX district judicial court of the state of Michigan and the attorney who filed for this unethical debt collection is XXXX XXXX. I feel as though the venue violates US Codes : 15USC Sub-chapter 5-1692i.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Received letter from LVNV/Resurgent stating in XXXX of XX/XX/2021. I responded and asked for validation and they sent a letter stating they were not going to investigate and I sent another letter in XXXX of XX/XX/2021informing them that their response was a violation of my consumer rights and that they didn't send the information that I requested and I haven't heard from them since then. I asked them to remove the alleged collection from my credit report while they validated the alleged debt but they didn't. I am including a copy of the letter I sent on XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
" Midland credit management '' as they like to call themselves keep calling me saying that I owe them over {$700.00}. I have never ever worked with this company and frequent attempts to make them stop calling me has failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We tried to do a loan modification in XXXX. We went back and forth with freedom mortgage to get a loan modification for 3 years. They're was always an issue of the documents being expired. We started to send in updated documents once in review but never had anything resolved. We even did a bankruptcy that became costly because the monthly mortgage kept going up. When that fell through we did a forbearance that expires XX/XX/XXXX. We will have to go through the same process again to get a loan modification that never goes through. By them putting off the approval for modification, fees are constantly adding to the principal. 4 years of late fees have accumulated causing the debt to go up to about XXXX in late fees.

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 2021-08-28 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: MA

Complaint narrative:
Equifax continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by Equifax. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by Equifax. This violation Re-aged account and inconsistent reporting by Equifax has injury and harm my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I have attempted to contact XXXX  several times about having an account re moved from my credit my insurance company has contacted them also on a recorded line were they agreed to have this account removed from my credit report.. the reporting collection company keep stating that they have not received anything from the. XXXX XXXX To remove it XXXX  stated they can not give me a copy of the letter because it is internal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax constantly obstructs managing a security freeze of my Equifax credit report. Unlike XXXX and XXXX who allow 7x24 online access to manage my security freeze, Equifax only permits a phone call to XXXX during weekdays between XXXX XXXX. and XXXX XXXX. ( ET ), Monday to Friday. I work during those days, so I am unable to contact Equifax by phone and unable to temporarily lift my credit freeze. Equifax she limited hours and contact method prevent me from applying for new credit and banking services. Please require Equifax to have other methods and weekend hours for managing a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have made several complaints about this company LVNV Funding or Resurgent Capitol Services for a {$1000.00} debt that they keep attempting to collect without providing proper validation materials that I have requested.

For the 3rd time, I have sent a certified mail piece requesting the debt be validated with proof of I am the person they are attempting to collect from. The failed to respond within the 30 days provided from the date of receipt of the certified mail piece, HOWEVER, they continue to report the debt on all three credit bureau? Isn't that against the FDCP law?

I have my certified mail pieces with signed USPS certified return receipts. They are still after 2 complaints reporting this debt, causing me to be denied housing and loans. Now even after going thru the mailbox, written, 30 day validation process, they STILL HAVE NOT produced any of the documents requested or validation. The credit reporting companies prey on XXXX people like this daily. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/21 I was approved for a Goldman Sachs Apple MasterCard. On XX/XX/21 I used the cards Iphone apple-pay feature at XXXX/XXXX  for a gasoline purchase at the pump. The charge for {$66.00} appeared on my account and then later it disappeared. I called Goldman Sachs Bank to inquire why and was told it must not have processed properly an that it was up to me if I chased down the merchant to get it corrected. I pointed out this is not fair. The issue is the apple pay feature and I got my {$66.00} in gas so the merchant should get paid. The customer service rep said it isn't their problem and it happens all the time. So Goldman Sachs and Apple are cheating merchants and doing this at a time when these merchants can't afford to be cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: MA

Complaint narrative:
XXXX continue to violate the FCRA with Freedomplus account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.

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 2021-08-28 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: MA

Complaint narrative:
XXXX continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.

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 2021-08-28 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: DISCOVER BANK
State: IL

Complaint narrative:
I have a DISCOVER ( xxxxxxxxxxxx XXXX ) account reporting on my credit report that is a fraudulent account and is not mine. After sending correspondence letters to discover asking them to verify the accounts i received a letter of deletion from in XX/XX/2020 not knowing that they had created new account numbers and reinserted this account on my credit report they have done this several times now after not being able to verify this account please review my credit reports to see this information i also filled a FTC report and sent it to them which they refuse to acknowledge. Also they have different account balances owed on my credit reports please remove these account with inaccurate information and review the reports for this incorrect information. This account is reporting as negative and is stopping me from getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Repeated calls multiple times a week at times. Repeated calls late at night. This company is straight up harassing me. I have emailed them and repeatedly told them to stop calling and they don't

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: CAC Financial Corp
State: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Hello, PHH Mortgage has only paid me half of what is owed now that I've refinance my loan. The company received the payoff amount from the broker, but I had already made my XXXX payment, as well as extra payments throughout the year, I am owed the difference. Their customer service is incredibly difficult to reach. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Just received BofAs response of XX/XX/XXXX to my CFPB complaint which is filled with half truths. At the beginning if the pandemic in XX/XX/XXXX I was told I could defer my mortgage payments and they would be tacked on to the end of mortgage loan. Not true. I was supposed to pay in a lump sum which I did to avoid confusion and BofA twisting of the facts. 

There was an error on my billpay ON ONE MORTGAGE PAYMENT in XX/XX/XXXX which I took care of immediately. They claim I was in default for two weeks. LIES. It was a bank error ONE MONTH and it was immediately corrected.

Bank of America may be trying to appear woke but its a predatory agency. And they LIE. This correspondence is testimony. 

So what that XXXX XXXX  XXXX XXXX  reduced my loan balance back in XXXX. Despite my industry professional experience, I was a XXXX returning grad student in film XXXX to teach at the university setting and was making a portfolio film at that time with great sacrifice. I have awarded films six! Plus my prior awarded TV credits dating back years. Im a member of the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX ( XXXX  ). 

All I wanted was a refi. Ive lived here for forty years and have a XXXX  score of XXXX. 

The bank discriminates and lies!!!

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 2021-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My account with Coinbase was drained of all its money.I reached out to them several times but they keep stonewalling me.The first case number I opened with them was Case # XXXX which was not resolved and they decided to close it.The next case number I opened with them is Case # XXXX.Apart from acknowleging and giving it a case number nothing is being done.I cant reach them by phone.Only Email and they are not responding with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation