vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Some one is using my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr Cooper continues to ignore me and not provide me VERY simple information about my mortgage. I have not been contacted about my earlier complaint. They have now also started calling and harassing my wife. EVERY singe person I have talked to, even supervisors, has given me verifiably wrong information. 

I am trying to figure out how to stop the Covid-19 relief that I needed. I can't get proper information on how much I will even owe on a partial claim. I was told one figure by a representative when I signed up for it, then I got a number that was double when I got the paperwork. 

Weeks later, I can't get any information on where the double payment from the estimate I had even came from. I can't get correct information about how to pay off the partial claim. They are simply harassing me and giving me false information and taking advantage of me during a very hard portion of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft, there are 2 accounts on my credit report that I did not authorize and have no knowledge of.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
We placed an order with XXXX XXXX XXXX  XXXX XXXX on XXXX for {$48.00}, my wife paid via XXXX . After we received the product we were contacted by the company asking for payment. We sent them the proof of payment from XXXX. Today we received a statement from a debit collector ( State Collection Service Inc ) stating that the account was now in collections. I gave the collections comany the XXXX proof of payment and was told that they would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I tried to purchase an item ( XXXX XXXX XXXX ) on XXXX XXXX  for a sum of {$130.00} on XX/XX/2021. The seller agreed to a XXXX transaction which cleared XX/XX/2021. The seller stopped responding to my messages, deleted his facebook profile ( and the listing ), and never sent the item. 

I opened a claim with my bank ( Bank of America ) on XX/XX/2021 and submitted a claim through IC3 on the same day. Bank of America contacted the recipient 's bank ( XXXX XXXX  ) but claimed that XXXX was not able to refund the payment to me. The claim was closed on XX/XX/2021. 

I contacted Bank of America again on XX/XX/2021 but they told me that nothing more could be done.

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 2021-04-23 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc
State: WA

Complaint narrative:
Repeated calls from unknown individuals claiming to represent Tate & Kirlin Associates , Inc. regarding a debt. 

Several factors of these calls are extremely suspicious : 1. The caller 's telephone numbers are always local, XXXX area code, although this business is in Pennsylvania. 
2. They refuse to discuss what the call is in reference to, unless I divulge personal and confidential information.

3. When questioned as to their identity ( i.e., spelling of their name ( s ), etc. ), they hang up in my face!

4. On Friday, XX/XX/XXXX at approx. XXXX PST, I called their corporate headquarters at XXXX. When asked why my phone number was being called, the representative stated TWICE that there was no record of my phone number in their files. However, after approximately 10 minutes on the phone, the representative claimed to have " found '' my telephone number in another database. 

This business has been reported to CFPB, HUNDREDS of times, yet they are still operating. I would like to know WHAT steps CFPB is ACTIVELY taking to monitor, police and punish Tate & Kirlin Associates , Inc. for their suspect collection practices!! Allowing these type of " businesses '' to operate is fostering the culture of FRAUD/SCAMMING that is running rampant, currently, in the U.S.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've been a customer of American Express since XXXX. The problem I encountered was with the autopay system. I have always used autopay and month-over-month nothing had changed with my autopay settings, yet XX/XX/XXXX I was charged a late fee and interest for a processing issue American Express had with my auto-payment. Again, the account my auto-payment had been setup with did not change, there were not insufficient funds, and actually looking at my transaction history, the auto-payment was debited on from my checking account when the payment was due on XX/XX/XXXX. 

On the American Express website, it shows that the payment had been processing since XX/XX/XXXX ( and it still shows being processed ) but American Express didn't flinch at the chance of slapping me with a late fee and interest even though their systems were to blame. 

I've been using autopay for years now and have never had this issue. Multiple customer service representatives calmed my nerves by telling me this never happens or rarely happens but it has me hesitant to trust their autopay feature or I might have to spend another hour of my time trying to remedy the system bug I had to deal with. 

Additional Note : I was on chat for so long that I was logged that I got logged off and when I logged back on to reconnect with the customer service representative I was working with, chat failed to load which forced me to call in and re-explain the issue I was having.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
There are 4 accts on credit report that are not mine and only Experian and XXXX  are reporting this. I have sent them an affidavit I have mailed them a ftc and filed for Identity theft and this has been for two years and nothing is moving nothing is being done I need to know whats going on this is affecting my credit and I should not be responsible for someone elses cards and someone elses theft. Please help. 

XXXX XXXX - Acct # XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$490.00} XXXX - Acct # XXXXAmt {$330.00} XXXX XXXX XXXX acct # XXXXAmt {$500.00}

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 2021-04-23 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed 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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company re-aged alleged debt delinquency date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to improve my credit score so I can move my XXXX of XXXX into a three bedroom apartment instead of living in only one room period. I called Wells Fargo on XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the Four credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$1300.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score, I liquidated all assets to deposit the balance in full with in 3 days at a local branch. I waited 45 days and pulled my credit reports, still reporting the same negative comments. I called in several times to see what happened, they indicated they would send a courtesy deletion letter to help me resolve this matter ASAP. One year latter, No change, called again on XXXX and spoke with a representative she indicated three internal courtesy deletion letter where requested on behalf but never sent out? She said she worked their for 21 years and the requests never get sent out. I was very upset and angered that my family has to keep enduring this living situation due to Lie in order to collect a charged off on their taxes & still got my $ $ 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 non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I owed about {$80.00} to charter kids clothing department, in 2019 sometime in XXXX, then left to XXXX because of Covid-19 lockdown I was stuck there with my 8 months old baby, after coming back to USA in Aghast collection agency called me, telling me to {$270.00} I ask them what is original amount because I forgot exact amount, they didnt come back to me, I also explained my situation that let payment was not intestinal act, now amount is {$340.00}, I contacted them offering {$100.00}, and asking for forgiveness because I am single mother and cant work in COVID-19 situation, I requested them to let me speak with supervisor but, supervisor didnt contact me. 

They are asking whole amount, which I dont have it, I am not working, i cant buy second hand car because of my credit they have screwed up. 

They did not send me anything by post, just mounting amount, and repenters are stubborn just want their {$340.00} whole amount. 

Please help me, I am able to pay {$100.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX SEQUIUM ( Original Creditor : 11 XXXX  XXXX  ) XXXX XXXX.. XXXX  ( Original Creditor : 09 XXXX  XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
Received notification of collection efforts. Collection showed up on my credit report. Lots of phone calls received. Spoke with the collection company ( Ad Astra ) who said I owed {$4100.00} and was over 180 days late with XXXX  XXXX. I never took out a loan with them. Plus the amount is huge - these types of loans are usually {$500.00} or less, arent they? Now trying to figure out how to get this false collection removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Endpoint Resolution Services (ERS)
State: CA

Complaint narrative:
EndPoint Resolution Servcies, LLC located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX. XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: NC

Complaint narrative:
My Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.

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 2021-04-23 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: TX

Complaint narrative:
I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TX

Complaint narrative:
I have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I closed on my house in XXXX of XXXX. The estimated monthly payment was given as XXXX dollars. In XXXX of XXXX I received a letter stating my new mortgage was going to be XXXX dollars due to a change in escrow. The company claimed that the change occurred because the original estimation for flood insurance was {$510.00}, but when they were billed it was {$2600.00}. I don't know where the XXXX came from. The original quote we got for flood insurance was for {$2600.00}. This was a typographical error that caused them to present a monthly payment amount that was not originally discussed. I believe this to be a violation of the Truth in Lending Act. Had they provided me with the correct number I would have reached out to different vendors for better pricing/rates. This error will cost me {$60000.00} over the course of the loan.

Company response to consumer: Closed with non-monetary relief