vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra violations XXXX  caused my violations : see attachments : XXXX XXXX remove : Account Name ADS/XXXX/MYPOINTSRWD Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$350.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$350.00} Terms NA Payment History Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Filed for unemployment XXXX XX/XX/2020, never received confirmation or debit card, XXXX I received a tax form XXXX stating I needed to pay taxes on the funds EDD sent {$1800.00}. This was the first I realized the funds were stolen. Call EDD they said to contact Bank of America, got an appointment spent 3 hours calling from Bank, with bank representative to trying to resolve stolen money and create a fraud claim. Bank of America says it is an EDD issue, EDD says it is a Bank of America issue. nothing got resolved the bank was closed as we made our last call so I decided to leave.

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 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made a complaint about not being able to access my XXXX  credit report online. In response, today, I received in the U.S. Mail, from " XXXX XXXX  XXXX  XXXX, a paper form to order any of my credit reports THROUGH THE MAIL. This form requires LESS information that what is required online. Why do I have to risk sending this paper form with all my identity theft information through the mail, and wait 15 days, when it is, by law, supposed to be available to me ONLINE? That's a rhetorical question. I'm NOT going to send this form in. I expect all of the credit reporting companies to have functioning software and websites so I can access my " free '' credit report ONLINE. As a result of complaining to YOU, all I've got was this XXXX response by the XXXX XXXX  XXXX  XXXX, probably staffed by leftovers from that XXXX Trump, AND solicitations to BUY my online credit information from TransUnion. At what point am I going to be able to get my credit reports ONLINE and get corrections made ONLINE? That seems a LOT more efficient than having me spend hours online only to find out that these predatory for-profit XXXX are NOT REALLY giving weekly free credit reports online ; it seems a LOT more efficient than requiring me to send in a weekly, paper, request via U.S. Mail. All three of these for-profit credit bureaus need to be sued BY YOU and fined for fraud. XXXX and these three credit reporting companies are ONLY using their online presence to try to SELL stuff to consumers and they are doing that by REFUSING to make these credit reports available ONLINE. Even when I've been able to get a credit report, those reports are incomplete - they **** the last four digits of MY accounts, old and new and I can't identify accounts without that. And, so far, each of my credit reports has either missing or incorrect information - but I can't dispute it online, because, " sorry, but our website is down now ( always ) ''.

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 2021-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid off and closed my XXXX  XXXX credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.

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 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2020 I am not sure how this happened as I had enrolled into their Covid Relief Program and was told that I would not be marked late. My only thought is that there was an issue with my application being processed in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc.
State: NV

Complaint narrative:
The Prospective Employer XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX, Without written authorization took my personal information and submitted it on my behalf to XXXX XXXX company for a background check consumer report for appointment as a private contractor of XXXX XXXX XXXX XXXX XXXX XXXX of which is a misrepresentation as I was under the Impression I was going to be employed by XXXX XXXX XXXX 
XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Utilized the service Hireright LLC to acquire an unauthorized complete report. 
XXXX XXXX. XXXX. XXXX Suite XXXX XXXX, OK XXXX XXXX XXXX and or XXXX casualty Insurance company in this action without written authorization and surely with no XXXX Ohio address Listed my job location as XXXX XXXX, XXXX OH XXXX knowing all along my Insurance producer license Was NV Resident only and without non resident permissions. 
I did not have knowledge of the report, or the report in my hand to dispute within the required timeframe listed to be a 5 day requirement provided within the HIRERIGHT LLC communication. As all or part of it may be incorrect. 

HireRight llc WAITED UNTIL XX/XX/2021 to send me notice of this report with a letter stating that this report has information in it that may result in " company '' deciding not to offer me a position in which I did not apply. 
The background check and consumer report request # XXXX States it was REQUESTED : XXXX  XXXX XXXX  COMPLETED : XXXX  XXXX 2021 ADJUDICATED STATUS SET : XX/XX/2021 Yet the postage shows that it was not sent until XX/XX/2021 I did not receive it until today.vAttatched is the info for XXXX XXXX XXXX XXXX for the liability protection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and also Attached is supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX and XXXX  XXXX  XXXX  XXXX. I also like to dispute these fraudulent inquiries listed on my credit report. They are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX  and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: AR

Complaint narrative:
I commonly get phone calls from " XXXX at Discover '' wanting to reach me before time is up to lower my credit card debt. I have a credit card, but have never had any affiliations with Discover

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
they say i owe money on apartments complex but they never show me a contract or papers or anything only words and is damage my credit and fair living. 
i want to stop or send proof that is mine.. 
if not stop doing it ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I've been fighting with the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay a claim for Hurricane XXXX, The Policy is owed by the Mortgage Servicer Round Point Mortgage. I'm paying my mortgage every month on time. I have advised the mortgage company that the house still needs repairs and unlivable. The mortgage company hasn't taken any action to remedy the situation. Something has to be done. the floors are gone, the structure of the house is compromised. I could literally fall through the cracks at anytime. I condition of the property has deteriorated since the hurricane in 2017. Its actually very dangerous. I had to purchase sheets of wood the lay on the floor to cover the wholes.

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 2021-04-14 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: NY

Complaint narrative:
I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Cant verify and experian will not take it off

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 2021-04-14 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: RC Willey
State: UT

Complaint narrative:
RC Willey is reporting late payment for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time.I have not been late before and I haven't been late since. I ask that RC Willey make a goodwill adjustment to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to Transunion having inqiry issues the above accounts have been listed on my credit report I am a victim of misreported inquires I've asked that they be deleted imediatley

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 2021-04-14 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Lending Club Corp
State: AL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EMCC Holdings, LLC
State: AL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: ND

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: OH

Complaint narrative:
The check to pay the XXXX mortgage payment to PrimeLending is dated XX/XX/XXXX. I have a copy of the front and back of the check. Since I get paid at the end of the month, I pay my mortgage when I get paid. 

It was 3 weeks into XXXX when I noticed that prime lending hadnt cashed my XXXX mortgage check. I thought maybe the check got lost. I was concerned, so I called PrimeLending and made a payment over the phone. On XX/XX/XXXX, PrimeLending cashed the check and tried to cash my online payment at the same time. There wasnt enough money in the account to cover two mortgage payments in the same month. 

I was told to block the online payment. So I did. Since I have never blocked a payment before, I didnt know that the block would be in place with that company until I removed the block. 

Our XX/XX/XXXX I went down to my bank and I removed the block on PrimeLending. I called PrimeLending and alerted them that I had removed the block. 

I have been in constant contact with PrimeLending. Each time, I have asked them if they were taking notes. They always tell me that they are taking notes. Every time I called PrimeLending, I tell the PrimeLending customer service representative that I want to pay my mortgage and ask them to help me clear up the problem. 

I checked my credit report today XX/XX/2021 and found PrimeLending had posted a delinquent account on my part. When I call PrimeLending, I get the impression that the right hand doesnt know what the left hand is doing in their accounting department. If prime lending had cashed my check in a timely manner, instead of waiting until XX/XX/XXXX, there would be no problem. 

I have tried to talk to representatives from PrimeLending numerous times and to no avail. My credit score dropped significantly due to this error on the part of PrimeLending. 

After hours on the phone, I finally found someone that would help me. My mortgage account is fully up-to-date as of today XX/XX/2021. My loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc
State: OK

Complaint narrative:
I want to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma for turning over a bill to XXXX different collections agency on a bill that shows a balance of XXXX. His date of his last service was XX/XX/20 I have contacted this office before about this debt that is not owed but they continue to send this to various collection agencies This bill is on my husband XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management has taken legal action to garnishment my wages after I contacted them to make a payment arrangement. Due to XXXX exposure I was unable to make a court on XX/XX/2021. I believe the amount is XXXX. I do not have funds at this time to have payments deducted but willing to make payment arrangement. I've been contacting them to stop this action. No result

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: CO

Complaint narrative:
I contacted Guiid and was told they wont give me any information. On my credit report dated XX/XX/XXXX it shows Guild listed 2 times one loan opened XXXX ( per paper work the loan on the XXXX ) In XXXX. Says XX/XX/XXXX to XX/XX/XXXX loan amount XXXX. Next line on the credit report has Guild listed again Open day XX/XX/XXXX. to XX/XX/XXXX with the laon XXXX amount of XXXX. How do 2 loans with 2 amounts cross months clearing states open XX/XX/XXXX closed XX/XX/XXXX there is XXXX XXXX and XXXX that cross themselves and then the loan goes up Please explain. lsp om the XXXX Guild had the loan XXXX XXXX and XXXX of XXXX, on the XXXX its shows Mortgage insurance of XXXX, But XXXX had the Mortgage for 9 months and theirs say Mortgage insurance on the XXXX XXXX please explain and tell me what insurance co you gave this to.. Oh yes i have another copy saying loan closed XX/XX/XXXX and another saying closed XX/XX/XXXX These are the yearly Analysis. When the refinance was done how did my home loan get so high when the land is worth 10 years later maybe XXXXCause you have 2 loan amounts and i don't have paper work on a 2nd refinance with you in a 6 month time frame explain this

Company response to consumer: Closed with explanation