vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital One reduced my credit limit from {$8000.00} to {$2000.00}. I contacted them and they said it was based on usage patterns in the past 12 or 24 months. It was because I have not been using this card enough. Not because I was using it too much or my credit rate changed for the worse or any other indication that I was a higher risk of default. This causes me problems because I have other credit cards and I try to manage my total credit usage so that I do not exceed 30 % of the total credit available to me. When they reduce my limit simply because I was not using their card, it can make my total usage pop to 50 % or more doing damage to my credit profile and score. They said there was nothing they can do. This is a bad practice that hurts consumers and users of credit products such as theirs. It is detrimental to their customers who are making an effort to improve their credit profile. It causes a downward cycle where my credit score can be lowered causing other credit cards to lower my limit, or costing me more for credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: WI

Complaint narrative:
On XX/XX/2016. MIDLAND FUND LLC added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA MIDLAND FUND LLC has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately. 

Also they do not have a license to collect in the state of Wisconsin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today I tried to get a free credit report from Equifax. I completed everything on the form and then it said that it could not supply and that I needed to call an eight hundred *** number. My problem ( always ) is that my hearing is profound and I can not use a phone. So I can not get my free report? That is discrimination to XXXX senior citizens. Something is wrong with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Serve I inputted my American Express Serve direct deposit into my unemployment benefits from and I received my benefits on XX/XX/2020 and XX/XX/2020 to my American Express Serve account, but I was immediately locked out of my account when I received the second deposit from Tennessee government without any warning or message of termination. I called American Express Serve customer service, but I was not given a reasonable solution and I was told that the funds in my account will be sent back to the sender. Why on earth will my unemployment benefits be sent back to the government. This is outrageous and I'm ready to drag it to court if my money is not released in peace. Even if a benefit direct deposit violates the company 's policy, it doesn't mean my funds have to go with it. It is mine and I have all right to it, please I really need my money back, either it is mailed as a check to my address or I should provide an account where it will be sent as a direct deposit for me to have access to my account. 
The affected American Express Serve account ID : XXXX 1st Transaction Details : From XXXX  DUA PAYMENTS-XXXX PMT Amount {$120.00} Date available XX/XX/2020 Transaction ID XXXX 2nd Transaction Details : From XXXX XXXX PAYMENTS-XXXX PMT Amount {$900.00} Date available XX/XX/2020 Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
In XX/XX/2020 my bill for XXXX did not go through when it was on auto bill.I reached out to Nordstrom and they said they saw the payment try to come out of my bank but it was rejected for security reason not lack of funds. They never once notified me of rejection but instead gave me this late payment. I never received one letter or phone call. Nordstrom said they had attempted to call but I have no record of phone calls or voicemails. I have never kept a balance because I shop there so often I can just pay the balance in store in FULL. I also set up auto payment when the card was first opened in XXXX. Due to COVID I had not been in store in 2 months because they were closed. From my knowledge I assumed any balance, especially one so small was being taken out via auto pay. 
Nordstrom failed to notify me of rejection, even after my years of loyalty to them as a customer. I no longer qualify for a mortgage because of the impact it has taken on was once PERFECT credit and nordstrom will not help with this unfair situation. 
I can guarantee that if I had been notified of a balance, a mere XXXX could have and would have been paid in full. Or if stores were not closed due to COVID I could have came in store to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I financed a vehicle in XXXX of XXXX with XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ( XXXX ) account ending in XXXX ). I've always maintained current payments on the car.The car was total loss in an accident in XXXX of XXXX. In XXXX of XXXX the auto loan was paid in full with a combination of insurance proceeds and money from me. Equifax is reporting the account as 90 days past due as of XX/XX/XXXX. 

I have attached a letter from XXXX XXXX XXXX confirming that account has been Paid in full and should be reporting as " Paid In Full, Current '' as of XX/XX/XXXX. 

This incorrect record is negatively affecting my credit profile and is making it quite difficult for me to obtain additional financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I recieved two unwanted and annoying phone calls. I informed CBE group that the information on which they were basing the collection was inaccurate and that there was no current debt. I received letters from threatening my credit rating and other adverse actions. I have sent them the following letter.CBE Group XXXX XXXX XXXX XXXX, IA XXXX Debts Identification NumbersXXXX  XXXX XXXX XXXX Dear Sirs : Recently, I received harassing phone calls and letters trying to collect the above debt. It appears you failed to do due diligence and are harassing me about a debt which is no longer valid and has not been for many years. 
The original billing and request for over payment was for services to Medicare patients through my corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The request for overpayment was part of a Medicare audit associated with an investigation by the Office of  Inspector General over 15 years ago. The case involves issues of federal and state jurisdiction which are still being litigated. The medical necessity and billing issues you refer to were appealed. 
You are without grounds in your request for repayment. The statute of limitations on Medicare overpayments was three years and extended under Obama to five years. It is more than a decade since the statute of limitations ran out. Additionally the legally appropriate resolution under Medicare law is that such dates were repaid from future billing. My company is long out of business and I have not billed Medicare in  more than a decade. There is no legitimate debt that gives you the right to call me and send me dunning letters. You are operating outside the framework of Medicare law and consumer protection laws by pursuing me for this debt. 
I am submitting a complaint to the XXXX XXXX XXXX so that you and other collection agencies are made aware of the rule of law and protection of consumers from your predatory practices. 
Please cease and desist all further collection efforts Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX {$920.00} XXXX XXXXXXXX {$1200.00} XXXX   XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$2900.00} XXXX XXXX {$610.00} XXXX  XXXX {$34000.00} XXXX   XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX  XXXX {$0.00} XXXX   XXXX {$610.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

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 2020-08-27 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX IN XXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXXXXXX XXXX {$3800.00} XXXX  XXXX {$920.00} XXXX XXXX {$1200.00} XXXX   XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX  XXXX {$2900.00} XXXX XXXX {$610.00} XXXX  XXXX {$34000.00} XXXX   XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX {$0.00} XXXX   XXXX {$610.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In XX/XX/XXXX I purchased a couple laptops from the XXXX XXXX. I was encouraged to apply for the XXXX Rewards Visa card issued by Barclays Bank. I was told that for the next 18 months there would be ZERO interest. After the 18 months, I figured they would start charging normal credit card interest rates. Over the 18 months, I NEVER missed a payment. Some months I even paid early. At the end of XX/XX/XXXX, I noticed that, on a balance of {$2500.00}, Barclays was charging me $ 1100+ in back interest. To make matters worse the were reporting to the credit bureaus that I was 60 days past due even though the payment I made in XXXX was for the XXXX payment. I have reached out to them on several occasions to remedy the situation with no avail.

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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I submitted a mortgage refinance application to Navy Federal Credit Union ( NFCU ) in XX/XX/2020. As of XX/XX/2020, I still have no timeline for when closing might happen. 

The current mortgage is with NFCU and I have had five or more mortgages with NFCU over the years. I have never missed a mortgage payment ( 100 % on time payment history ). My credit rating is excellent and my assets are multiples of the refinance loan amount. My income is more than sufficient with a low debt-to-income ratio and a very low loan to value ( <30 % ) ratio. 

The process has been lengthy. The loan processor has been unresponsive at times and takes up to a week or longer to reply to requests for status on the application. 
The loan processor has also been unprofessional and acts as though he is the customer. There have been multiple requests for the same documentation because of disorganization on the part of the processor. 

The latest Loan Estimate incorrectly includes charges for items that were not required ( {$490.00} appraisal when the appraisal was waived ). The loan estimate also includes charges for items that I paid for already directly ( {$120.00} condominium questionnaire that I obtained and paid for directly ). It also includes an inflated loan payoff that does not reflect principal payments made during the application period. All of these items were brought to NFCU 's attention the last time I was asked to sign a loan estimate and have not been corrected. 

I understand that volume is very high, but this is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting my credit card account as closed. The account is still open and has never been closed. I have filed disputes with all 3 bureaus and they are still reporting my credit card as closed. My account is current and 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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I applied for a loan modification as the payments have become onerous for my wife and I. Today ( XX/XX/2020 ) I was offered a modification. However the trial payment plan that was offered actually had my monthly payments increase significantly to roughly 50 % of my monthly income. My monthly payments were {$5700.00} ( PITI ). They are now saying I should pay an additional {$3100.00} bringing my payments to over {$8800.00}. 

Additionally the current interest rate is very high compared to the rates being offered now. My interest rate is 6.375 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I went on FMLA with my work and I was short on funds to cover an OD on my account. I advised USAA of this FMLA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I wrote this company in dispute of this debt. I had not realized they had been reporting this account on my credit for years now. I recently was denied for a rental application and was told I had an eviction on my credit. I contacted this company and they sent me some computer generated printout without providing a copy of the lease. 
I wrote them a second time and they received this letter on XX/XX/2020 and they did not reply to my letter where I again asked them for a copy of the lease bearing my signature since they claim I owe this debt. They did not furnish any proof, nor replied to my second letter. 
Again, I wrote them on XX/XX/2020 and again, they completely ignored my letter even though they signed all three times validating receipt of my letters. They are refusing to delete this account from my credit, which is damaging my credit and keeping me from relocating. 
My wife suffers from an illness in which we need to relocate in order to get her the medical attention she needs and due to these people lying on my credit report, it is hindering us from moving forward. We are in great distress due to Carter-Young , Inc . This is clear defamation of character and a violation of the FDCPA, and prior to seeking legal assistance, which would be {$1000.00} per fine, which I intend to file a complaint in small claims court if they do not remove this debt ; I thought I would file a complaint with you first before moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
A hard inquiry showed up on my credit report that was not authorized. Date of inquiry was XX/XX/2020 from Comenity Bank/XXXX XXXX.

Company response to consumer: Closed with non-monetary relief