vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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:
Hello, I am a recent victim of identity theft and after consulting with my legal team and contacting the CRAs, I was told to file an FTC report. I went to my local police department also and they said that is out of their jurisdiction so I was not able to get a police report but I did get an FTC report which is attached down below. I also have different addresses and employers on my report as well. I have already mailed each CRA as well via certified mail and provide each CRA the full authorization to investigate and block these account at once.

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services, LLC states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I booked a one night stay through XXXX  with my cash app card. When I got to the hotel they had no rooms available. XXXX did not refund the {$66.00} I spent in for the room. 

I had to wait till the transaction actually posted or completed to file a dispute and now on XX/XX/XXXX cash app is talking about they don't have enough info. They want me to contact the merchant to obtain something in writing from them. I have refused as I thought this was there job as part of the dispute process. And they have not returned my funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
Yeterday ( XX/XX/21 ), I signed up for XXXX. XXXX uses XXXX for background checks. Today ( XX/XX/21 ), I received my report, and there is false information on it. I know for a fact I have a perfect driving record, I am not a XXXX XXXX, and I have not committed any federal crime. I believe information from a XXXX XXXX  with my same name in TN is coming up on my report. He is XXXX years older than 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 2021-10-15 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: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Online Information Services Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have this account on my credit when I never applied for the card, theres no phone for me to call and see when this account was opened or anything. So therefore someone opened a account in my name and i never knew about it until it came up on my credit. I had no knowledge of this at all or when it was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 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: CREDIT ACCEPTANCE CORPORATION
State: NH

Complaint narrative:
2016 account was closed! I did a voluntary repossession and report says involuntary! Also account has been closed and company ( credit acceptance ) has added {$10000.00} to bill in the last year or two. I tried to settle for a few thousand a couple of years ago! That's when I found out that they had added {$10000.00} to the account that has been closed. And also that they are claiming it to be an involuntary repossession. All three bureaus say different things!

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 2021-10-15 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: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added by someone that has stolen information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PA

Complaint narrative:
I saw my credit reports on XX/XX/ for just regular follow up. i saw one account that i never open myself. and it's open in XXXXXXXX XXXX by someone. i suspect fraud by using my personal information. I contact Experian and filed dispute. THE Account Name is 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 2021-10-15 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: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added by someone that has stolen information. THIS IS FRAUD.

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 2021-10-15 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: GA

Complaint narrative:
Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from XXXX, Transunion and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.

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 2021-10-15 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint 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 2021-10-15 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE INFORMATION SERVICES violated my consumer rights under the Fair Debt Collections Practices Act. I'm not sure where ONLINE INFORMATION SERVICES received information that I, XXXX, consumer in natural person reported identity theft or fraud. 
I am refusing the debt. ONLINE INFORMATION SERVICES violated Title 15 usc 1692 ( b ). They violated 15 USC 1692 ( c ) ( a ) ( 1 ). They violated Title 15 USC 1692 ( b ) ( 2 ). I will attached the other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Everything is in the Docs I sent About the down payment, the fees that where suppose to be included in the finance charge, and the insurance + More

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivables states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TX

Complaint narrative:
Bought a Kia XXXX and per the Dealership - used their GAP claim company EFG companies. After an accident in XXXX - EFG Companies never paid the GAP claim. They kept claiming KIA never sent them the proper documents ( Legible contract/Settlement Check/Payment history ). This has been on our credit since. We thought it got taken care of in XXXX when we sent the information we had to EFG ( again ) and KIA stated they would send the documentation. Per EFG they never sent the correct info. KIA ( the party responsible for 1 ) recommending this company and 2 ) NOT sending the required documents ) put this against OUR credit, even thought it was their negligence on not getting the documents to EFG that they told us they would.

Upon discovering this is STILL on our credit, WE spent the time trying to gather all of these documents that KIA failed to deliver on. Finally, EFG has sent a check to KIA for the GAP claim. We want this removed from our credit as we were NEVER late with our payments. This failure was on KIA 's side when they claimed they sent the documents in. KIA should not have recommended a company they have such difficulty with. They should not have told us the documents had been sent in. They should NOT have filed anything against OUR credit when it was NOT our responsibility to pay as we bought the Gap Coverage THROUGH them and it was documents THEY HAD that would get the claim paid.

KIA was not helpful at all in getting this resolved. We had to contact our old insurance company to get a copy of the Settlement check that KIA cashed. We had to figure out our login to KIA to get our payment history. I had to scan 20+ pages of a contract ( luckily still had it 5+ years later from when we bought the car ) to get something resolved that KIA could have resolved instantly. Yet through the entire process of getting this fixed ( long strings of emails I can also forward ) they were silent and absolutely useless. They did nothing except harm our credit over something that they had complete control over.

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My original mortgage was with XXXX and was sold to Shellpoint. I was unemployed due to a wrongful termination from work. I was granted a forbearance by XXXX in XX/XX/XXXX. I was to start work XX/XX/XXXX but Covid-19 prevented that. With Shellpoint I asked for and was granted a Covid forbearance. Now that my forbearance is over I was told that if I paid the 6 payments I missed before the Covid forbearance then and only then can I apply for a modification or deferment of the missed payments during Covid. I can never get in touch with my representative except through email. She has been pressuring me for over {$10000.00} but never explained clarity on the situation. Now after speaking to others at Shellpoint and NEVER a supervisor even though I have asked for one, I am being told that even if I make the 6 back payments I will not be granted a deferment or modification because I was 30 days past due on my mortgage before the Covid forbearance started. I am just being told this information. I am told the only thing i can do is to sell my house before they foreclose on me. I am working now and just want to start making my payments and keep my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
In XX/XX/ I was preapproved by Lennar Mortage to close on my property. I was advised that I need to put down {$25000.00} to hold the property. 

In XX/XX/XXXX XXXX XXXX XXXX at Lennar Mortgage decided to review my file. They are ignoring income on my tax return with the purpose of reselling the home for additional money. They also informed me that I would qualify if I filed single instead of married wh qualifying for the loan because my spouse 's properties resulted in a loss. Lennar Mortgage should not be allowed to discriminate based on marital status when closing on a loan.

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 2021-10-15 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:
this is not my debt, not sure if someone used my name but I've been disputing this account and they are not removing. inaccurate information XXXX XXXXXXXX XXXX Open Date : XX/XX/2018

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Mortgage account autopays on the XXXX. Got returned by my bank on XX/XX/2020 NSF Without me noticing. Got a call from 5/3 on XX/XX/2020, advised me about it, and offered me to process payment, and they will wave late fee and won't report it late. Paid on the spot over the phone. I now got hit with a 30 day late report. And a late fee. Called their credit Dept, got a negative canned response in the mail. 
Information report is inaccurate, as payment was late 19 days and not 30 as reported. Additionally, I was promised by the agent taking the payment that Account will not be considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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:
this is not my debt, not sure if someone used my name but I've been disputing this account and they are not removing. inaccurate information XXXX XXXX XXXX Open Date : XX/XX/2018

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 2021-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our attorney has put an offer in writing to Specialized Loan Servicing over 30 days ago, and the company has not responded to our offer. We are trying to refinance our mortgage away from this servicer due to their improper handling of our file. The balance stated that is owed to this company in their response to the CFPB is an incorrect amount and is not what has been stated on the many statements sent monthly to our home address. The balance discrepancy is over {$30000.00} plus. Their accounting methods/practices are suspect, and this is causing huge issues with refinancing when the balance owed is incorrect and forces us into a situation of being legally advised not to give this company any more money because they've committed many RESPA violations on our file.

Please be advised we did not respond in a timely fashion to the complaint which was due last week because we were not advised via email from CFPB that one was due. If an email was sent, we never received one. We've only received one email recently from CFPB, and it was only in our XXXX inbox yesterday advising us that our complaint has been closed out. So whatever is transpiring as to why emails aren't delivered timely is a mystery and more of the same fraud. More of the same with regard to reaching out to CFPB and not getting the help/assistance that is required and then our complaint is closed with no resolution. 

I will address my concerns with how our complaint was handled by CFPB with our attorney who's still awaiting a response to our offer to settle this with SLS. It seems they don't have to abide by RESPA law and your division does nothing about it for years on end and doesn't send our file to the appropriate overseeing authority to stop this fraud and abuse.

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