vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
My rights have been violated. I was not aware of this debt going to collections. Please view regulations. 
15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Original Debt : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  , XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$76.00} Amount {$76.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
My loan # is XXXX with XXXX XXXX. I was in a CARES ACT forbearance. Then once the hardship was over I requested assistance plus able to move forward with my original payment amount. I received partial Claim paperwork in the mail after XXXX months, I signed in front of a notary and sent back to the loss mitigation dept plus just sent off my XX/XX/2023 payment per the partial claim paperwork. I am now receiving collection calls and received a statement for XXXX. I have tried calling teh company on my day off today their phone systems are not working, additionally i sent an email requesting if it is just a timing issue but I am very concerned about my partial claim status, losing my house, and my credit. Please help me. I have done all that has been asked of me to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Kikoff Inc.
State: OH

Complaint narrative:
I am filing a complaint with XXXX and Kickoff Lending LLC. I sent my first verify dispute letter on XXXX XXXX, 2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to Kickoff Lending XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX2023 hard inquiry is fraudulent. I did not authorize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Convergent Resources, Inc.
State: AR

Complaint narrative:
I have made several attempts to make Convergent Outsourcing aware of the fraudulent debt they claim I owe them ( {$1800.00} ) Is not only unverifiable but I also have no legal obligation to pay them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company several time asking them to provide proof that I in fact owe them I was sent a frivolous bill. Of which a bill does not constitute a legal obligation.

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 2023-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Their has been virtual cards that I dont have and like u.s.bank accounts that I never even opened need help with like my credit report being pulled up threw other agencies I never did and home mortgage opening under my name and wen I try to get my IRS tax I can not dew to these things I'm having so many issues please help 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 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to XXXX XXXX  XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.

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 2023-04-22 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: TX

Complaint narrative:
I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to First Investors XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I purchased a single family home as an investment property on approximately XX/XX/XXXX. 

My original loan amount was approx. {$76000.00}. My current principle balance is approx. {$42000.00}. 

20 % of the original sales price is approx {$15000.00}. 
80 % of the original sales price is approx {$60000.00}. 

The current market value of this property is approx {$260000.00}. 

Over the past few years, I have made several requests to have the Private Mortgage Insurance ( PMI ) removed, but each request is denied by the mortgage company Shellpoint ( a division of NewRez ). 


I believe the mortgage company is in violation of the Homeowners Protection Act of XXXX, and I am requesting assistance getting my request to remove the PMI honored by the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
On XX/XX/2023 I deposited a check for XXXX and was told as long as my account was positive on that day that I would have at least {$500.00} Available the next business day, well they didnt make that available to me and now Im unable to get my medication for XXXX which is a huge issue due to the fact that if I miss doses the virus can build a resistance to the medication at which point I will become no longer treatable. I explained this to the bank and they said they cant do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Address is incorrect. I have never lived at the listed address XXXX XXXX XXXX XXXX XXXX, XXXX. Show me the burden of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I was called about making a payment and the person on the line told me that they could do a charge out for me i paid like {$1300.00} and the next month I received the bill i have continued to receive a bill I contacted the company they said they were going to do an investigation they have not got back in touch with me they canceled a report in this on my credit as a negative or I failures to pay When me and the person who called me about the payment had set up that one time payment that should have closed the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-22 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: CBC Companies, Inc.
State: FL

Complaint narrative:
To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22 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: OH

Complaint narrative:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, Transunion has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. Transunion once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is XXXX, between the 3 accounts. Transunion violation total is XXXX, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-04-22 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: OH

Complaint narrative:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, XXXX has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. XXXX once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus Experian even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. Experian total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-04-22 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I ordered shoes from XXXX XXXX on XX/XX/XXXX by using Affirm for payment. Affirm provides a virtual card number when purchasing and then would charge my credit card in 4 equal installments of {$320.00}. On XX/XX/XXXX, XXXX sent an email stating that the shoes were no longer available and the order is cancelled. However, Affirm charged my XXXX XXXX XXXX credit card for the first payment of {$320.00} even though the order was never fulfilled. Ive contacted Affirm several times ( maybe around 5 times including twice today on XX/XX/XXXX ) to explain that XXXX cancelled the order and never fulfilled, so Affirm should refund the first installment and cancel the loan completely. They refused because their system is not showing a cancellation. I even submitted the email from XXXX confirming the cancellation. Affirm keeps telling me they dont see it in their system that the order is cancelled even after sending them the email from XXXX. It seems Affirms system has an issue but Im suffering from their incompetence. I should not have to be in the middle due to their issue. I asked Affirm what else do they need if we have an email from XXXX who Affirm has the relationship with. I disputed the first charge with my credit card company but am worried Affirm doesnt drop the amount and then reports it to the credit agencies for something I never received. 

My Affirm loan ID is XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: AL

Complaint narrative:
I have fraudulent inquires on my Equifax credit report and I called in to report them. They were very inconsiderate. They refused to acknowledge they were fraud. I asked to speak with a supervisor. The agent in XXXX stated there was no supervisor available. I asked for a callback. They said they dont do outbound calls. What kind of establishment is this? This agency plays a very important role in our lives at it is supposed to report and correct inaccurate and fraudulent activity. The only thing she said I could do was mail or fax a copy of my SSN which I am not comfortable doing and mailing my police report to them stating what inquires were fraudulent. I have filed a police report, and I have a case number. I will not Fax or send in the mail a copy of my SSN. Theres not a single person who works in finance that would recommend anybody do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/ I received a debit card in my former last name that I did not open.

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 2023-04-22 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: MS

Complaint narrative:
The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.

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 2023-04-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A credit card was opened in my name with Chase Bank. I did not open this card and reported it as fraud.

Company response to consumer: Closed with explanation