vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am having trouble accessing my Equifax account. When I call Equifax they tell me my social doesnt match my name in their system I have tried this process over 10+ times. They told me to send them verification documents. Ex. Social security, Licensed. After documents was sent in they sent me a card in the mail, which said we received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently : You have not actively used credit in the past ten years : You have not lived in the United States or have not been issued a U.S. social security number I also sent them the documents via fax as shown in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. Please help me with this collection as it is hindering my credit score. 

I am providing you permission on my behalf to have this frivolous debt deleted immediately! 

The creditor has not been able to provide proof of my signature or contract. 

PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
I have a Conventional Loan with Home Financing Center for over five years. I have been paying PMI the entire time. I did an appraisal to my home and i now i have enough equity in my home to remove PMI under that Conventional Loan rules and guidelines. I have made multiple attempts to begin the process to remove PMI but Home Financing Center refuses to start the process. Some representatives have asked me to email them documentation to begin the removal of PMI process and after i have done so, I have been totally ignored. Other representatives have blatantly informed me when i have called that they will not honor my request to remove PMI.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This debt collection agency called me XX/XX/2021, XX/XX/2021, and XX/XX/2021. Ive told them several times that Ive been In contact with my insurance company and my insurance company was handling everything on their end to try and correct this. They kept telling my insurance kept denying payments when I just talked to my insurance on XX/XX/XXXX about this and my insurance company told me that it would take several days to take certain things in affect. I told the debt collectors on XX/XX/XXXX that I literally called my insurance company on XX/XX/XXXX and told the debt collection agent that my insurance company said it would take several days to resolve and respond to me the debt collector told me that they will deny it again like the last two times. I told them on XX/XX/XXXX to no longer contact me through voice calls and only through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
violation of HIPPA LAW REPORTING MEDICAL COLLECTIONS ON MY CONSUMER REPORT WHICH IS ILLEGAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Data breach information compromised. Don't recognize account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
Experian has failed to keep accurate records on file for debt verification. My dispute process was started on the on XXXX XXXX by certified mail and recieved on the XXXX of XXXX XXXX, i received my results of my dispute on XX/XX/XXXX where as this information is still in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
My issue is with Equifax. I reached out to them at least 5 times in reference to some unauthorized inquiries on my credit report. I contacted them and the companies that submitted the inquiries. I also submitted and FTC report in reference to the unauthorized inquiries on my report and sent a copy to Equifax three times. Once by mail which they said they never received. Second the the dedicated fraud dept fax number I was given then a second time to the same fax number after I called a fourth time and they said they still didn't receive it. On the fourth call I spoke to a representative that said she saw my report and will delete the inquiries right away. I gave it two weeks only 2 of the 4 inquiries were removed. I called again and talked to a different rep who at first said they did not see my etc report of the page that had the specific inquiries in question. The rep placed me on hold then came back and said he saw it and will take care of the inquiries and delete them. Again I waited with no results. I called today and was talked to a rep that told me the FTC report was invalid even though the previous two reps told me they had everything they needed to delete the inquiries. I asked to speak to a supervisor and after being placed on an extended hold the supervisor came on and said they only received one page of my FTC report so it is invalid. Again this was after 2 of the 4 inquiries were already deleted now all of a sudden instead of my 3 page etc report they only have one page on file with no report number. the supervisor was rude and unhelpful and basically lied about the form that I sent in that obviously had everything on it. I asked if the calls are recorded and documented why she could not see the previous two conversations I had with representatives at her company that said they received the report and would delete the inquiries for me immediately. instead of her listening she talked over me and would not rerspond to my questions. The inquiries to be deleted are from XXXX XXXX on XX/XX/2020 and XXXX XXXX on XX/XX/2020. I will include my letter to them and the FTC report in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group
State: MI

Complaint narrative:
On XX/XX/2020, the Account Adjustment Bureau , Inc. contacted me for collecting {$2000.00}. A facta letter was emailed to me, which shows the money collection was regarding to the XXXX XXXX XXXX. However, I have never signed a lease with XXXX XXXX XXXX, and I have never lived in the XXXX XXXX XXXX. I do not know it at all. I emailed back my disputations on XX/XX/2020. 

On XX/XX/2020, I found a debt was posted on my credit report, by the Account Adjustment Bureau, and the original creditor is XXXX XXXX XXXX, which I never had any legal documents with, and I do not own any money to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: OH

Complaint narrative:
Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : Equifax XXXX XXXX Equifax XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
This is a scam that this company is sending to seniors who have a reverse mortgage. It is really sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX  or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. XXXX, XXXX  and Experian are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was supposed to receive a transfer from a friend for {$160.00}. Normally the transfer would be instant ( as my friend also uses the same bank - Wells Fargo ), however, the money did not arrive. I called a representative, who assured me that the money would be transferred within today - XXXX XXXX XXXX. I have not received the money, the transfer does not appear on my end ( it does appear FOR my friend the sender, confirmation code will be available if needed ).

How can your complaint be satisfactorily addressed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. Transunion and XXXX  do not comply. I have filed multiple complaints on XXXX XXXX. But XXXX and Transunion do not investigate but simply send to XXXX XXXX who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and Transunion but talk to another country who now has my personal information. I have repeatedly made request from XXXX XXXX to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. Transunion, XXXX, and XXXX XXXX have at least XXXX of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. XXXX XXXX refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. XXXX XXXX  refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. XXXX XXXX ignores and plays games by listing all complaints as duplicate. XXXX XXXX sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. XXXX  and XXXX  do not comply. I have filed multiple complaints on Capital One. But XXXX  and XXXX do not investigate but simply send to Capital One who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and XXXX  but talk to another country who now has my personal information. I have repeatedly made request from Capital One to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. XXXX, XXXX, and Capital One have at least 100 of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX  XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. Capital One refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. Capital One refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. Capital One ignores and plays games by listing all complaints as duplicate. Capital One sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AR

Complaint narrative:
There is a old credit card that was used multiple times by someone else after lost / stolen, no I did not authorize. Have told them multiple times and it has caused me a great deal of pain, as much as leaving me home less for not being axle to use credit for housing / transportation. 
This has taken a great deal of toll on me. 
As a newly adult at first I ignored it after not being able to resolve it and now it have even been an impact on my family well being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: OH

Complaint narrative:
Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : XXXX  Trans union XXXX  XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available

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