vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Calling me repeadetldy : called my Husband, left a message, called my daughter, left a message, called my son, left a message. I want this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
I have been disputing a bankruptcy that EXPERIAN has been reporting on my consumer credit report since XX/XX/XXXX. I have sent them multiple letters disputing the alledged bankruptcy explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company XXXX XXXX XXXX XXXX. I pulled my XXXX XXXX consumer report on XXXX to view the report, Under section XXXX, which is the public records section, there is no bankruptcy listed on my consumer credit report. On XX/XX/XXXX, I sent Experian another certified dispute letter with supporting documentation, showing that there is no bankruptcy listed on my XXXX XXXX consumer report. On XX/XX/XXXX, I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. Complaint # XXXX. Experian responded by stating that no action was taken because they could not verify my identity and by insinuating that they believed I was possibly using a credit repair company. In every letter, I have sent to them I have included a copy of my XXXX state driver 's license and a copy of my social security card. After receiving the response from Experian in regard to XXXX # XXXX, I sent another letter requesting the items be deleted and enclosed a notarized copy of my social security card, XXXX driver 's license, military common access card, my US passport, and a copy of a utility bill from XXXX power, with my name and correct address as proof of my identity. On XX/XX/XXXX, I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever  it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

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 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solution has reported an alleged debt in the amount of XXXX} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Radius Global Solution obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Radius Global Solution on XX/XX/2021 and I await a response.

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 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: MN

Complaint narrative:
XX/XX/2021 @ XXXX Get multiple calls the last few weeks from a potential spam number every day. Finally answered it. They immediately ask me to provide a bunch of personal information for an " important financial business matter ''. They won't tell me what it is for unless I provide them with my personal information. 

After pressing the person, I did get a phone number and address that they were calling from, which links to FINANCIAL ASSET MANAGEMENT SYSTEMS , INC in XXXX, GA. 
( XXXX ) XXXX I'm assuming they are either trying to defraud me, or trying to collect bad debt from my former mother in law. Unfortunately I get pesky callers saying I was put down as a reference for her bad debt and must pay on her behalf. 

I asked to be removed from all further contact if they won't tell me why they are calling me. They stated they will keep trying to call me until I provide them with my personal details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  This is fraud on my credit report. 
This company has nothing in writing showing my 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 2021-01-22 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I dont owe anything else and attached a document as proof. I am kindly requesting MIDLAND FUNDING XXXX Opened XX/XX/2018 agency to remove this collection from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Equifax XXXX XXXX XXXX product was provided to me at no charge on XX/XX/XXXX following a cybersecurity breach at XXXX XXXX. ( See attachment. ) On XX/XX/XXXX I received an email Equifax solicitation to continue and enhance my membership in this product. ( See attachment. ) This solicitation was less than forthcoming, if not deceptive and fraudulent. It did not say that I was already set up for automatic annual renewal unless I opted out before the subscription year expired. Nowhere did this notice say anything about a charge for this service, that Equifax intended to update my product ( i.e. convert the service from a free to a paid subscription ), even though the previous year had been at complimentary. That should have been made clear. In fact, it explicitly stated, Please note there is no immediate action required for your product update and there is no cost associated with these changes. 

Nevertheless, I suspected there might be a charge for this update, so I went to the Equifax website. The information I needed was obscured. I had to scour through the Equifax website hunting for something that would tell me whether I would now be committed to a paid subscription or not. I finally discovered that the Equifax XXXX XXXX XXXX with XXXX product would cost XXXX  per month and that I would be committed for a year unless I declined the product by XX/XX/XXXX. Should I not decline the product by this date, I would be required to notify them in writing ( i.e. through the XXXX XXXX to cancel the subscription. ( Why not via email, as email was used to enroll me? ) On XX/XX/XXXX I called the Equifax XXXX XXXX XXXX at XXXX to see if I could cancel the product over the phone. I could and I did, without any trouble. I was assured I would not be charged anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST
State: VA

Complaint narrative:
We financed a motorhome through Essex Credit ( dba Bank of the West ) in XX/XX/2020. They financed in our tax, tags and title costs but never sent the state taxes to Virginia and never ordered our tags. We have been unable - since XX/XX/2020 - to use our RV as it is STILL not street legal because Essex Credit refuses to assist us, despite our dozens of calls that never get returned. We even filed a previous complaint with the XX/XX/XXXX to no resolution.

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 2021-01-22 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Opened a case with CFPB in XX/XX/2020. It was resolved on XX/XX/XXXX when synchrony bank- care credit- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in XXXX. We have tried disputing it with XXXX several times with no luck, using the letters provided to us by Care Credit on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. 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 non-monetary relief
Consumer complaint received 2021-01-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We have been doing a loan refinance since XX/XX/2020. No one will call us back with the status of our loan. They cant tell us how much longer this will take. Ive called the supervisor with no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: GA

Complaint narrative:
They reached out to me to get the full monthly payment, I advised them that I was unable to make the payment due to losing my job due to COVID-19. I have another job but I am making over 50 percent less. They worked with me from for the first few months ; however, when I couldnt afford to make the full monthly payment or the half payment the representative got extremely rude saying Ive already answered the question ten times, combative. Told me the only thing I could do was to make the full monthly payment I could break it up into two payments. The representative I spoke with on XX/XX/XXXX offered me hardship program but the rep I spoke with on XX/XX/XXXX said I could only make full monthly payments. Treating me like dirt in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
This is my third time filling the same complaint with CFPB and nothing is solved. 

Is there a different site or government department that can review this company? 

As of XX/XX/XXXX. I still haven't received my XX/XX/XXXX, XX/XX/XXXX statements Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TN

Complaint narrative:
On XX/XX/2021 I file a report with the FTC. I mailed Equifax about inquires on my report that I did not authorize on XX/XX/2021. I also fax Equifax on XX/XX/2021 with the information I will provide and I called them as well. They have refund to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I opened a Bank of America credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of Bank of America. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional 800+ score and now it has dropped signficantlly all due to one Bank of America payment of {$89.00} which I was never bill for!

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 2021-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX we closed on a streamlined refinance. It was supposed to find on XX/XX/XXXX. 

I received a call from their collections department that my payment was not received. They never funded the refinance. They never notified me of the loan not funding or any issues. To date I have not been provided any explanation other than the loan processor messed something up. 

To date they have not funded or re-closed on my loan. They are threatening to report to credit bureau despite the fact that I have a legal contract/closing document that says my next ( 1st ) payment is due XX/XX/XXXX. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: GA

Complaint narrative:
I would like to make a formal complaint against Perfection Collection LLC. They are attempting to collect a debt associated with a XXXX  account that I have no knowledge of. This account continues to report negatively on my credit report with account number XXXX. I have no knowledge of this account. I was harassed once at my job concerning this account. I feel that it was unprofessional and caused me emotional distress. There has been no resolution concerning this matter. I have requested an investigation concerning this account several times. I have never had an account with this company and was a college student living on campus at the time the debt was supposedly made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
I owned a XXXX XXXX XXXX XXXX leased vehicle. A few months before the end of the lease, I received an email from Audi Financial stating that my lease is approaching and I might be eligible for a waiver. To make sure that the email is legit I discussed with the dealer and was assured that I won't be liable for the remaining payments if I exchange the car. Therefore, I agreed to verbal terms and exchange my existing car with a newer model because the XXXX XXXX had safety issues and XXXX wasn't able to fix it. 
Through the lease term, I reported many issues that the car XXXX was faulty which caused the rearview camera to go black and the safety sensors of the car did not work. Because of that, the rear tailgate light broke while backing up. 
On XX/XX/XXXX I leased an XXXX XXXX XXXX from XXXX XXXX of XXXX. They delivered the car to my residence and took the XXXX XXXX. Around XX/XX/XXXX I received a final bill from Audi financial. The statement was dated XX/XX/XXXX. Upon reviewing the bill I contacted Audi financial immediately to discuss the matter. The gentlemen told me that they might be received a check from the dealership and advised me to contact the dealer to follow up. I followed the advice and contacted the dealer who also advised me to deal with the Audi financial. 
On XX/XX/XXXX I contacted Audi financial again and discussed the matter with XXXX Id # XXXX. Going over and over XXXX advised dealing with the dealership. She also offered a settlement of {$700.00} which I believe is ridiculous during the current COVID lockdown when almost every barely meeting income need to be current on the financial obligations. And when I brought this up to her she did not care. Indeed XXXX advised me to discuss the matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following XXXX 's advice, I called the number and reached out to Audi Financial. This time XXXX told me the thing and advised me to contact the dealer. So after taking advice by contacting the dealer I found out that nobody is available to talk except the operator who will get the detail and call back. As a victim in this situation, I feel like this communication will be never-ending and they are bouncing me like a ball. Therefore I am taking all necessary action to resolve this matter.

Company response to consumer: Closed with monetary relief