vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: DE

Complaint narrative:
I received a letter from SageStream, XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, dated XX/XX/2021, informing me that it was a confirmation that a security freeze was placed on my SageStream LLC security file. AnPIN was provided in order to remove the freeze. However, I dont have any knowledge of who this business is. I contacted XXXX to place a fraud freeze on my account and can manage it via their website. The business is tricky in that you can not call and speak to anyone. You have to do everything on line. In order for me to remove the freeze, I have to submit my SSAN, photo of my drivers license showing my date of birth, and address and telephone number and I did that on XX/XX/2021 but the freeze has yet to be removed. My concern is I only contacted XXXX and am not sure how or why SageStream would put a freeze on my account. This business needs to have personal contact with legitimate customers who may have questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
XX/XX/2021 I placed a transfer from my primary checking to my brokerage account, internally, both accounts are with Charles Schwab. The money was debited from my checking account but never credited to my brokerage account. I called Charles Schwab after about 30 minutes and asked why it wasn't available. They had said they are aware of the issue and are working on resolving it in just a few hours. A few hours pass and I call Charles Schwab again and am told that it will be resolved within the hour. The day ends and the money is still gone from my account. Today, XX/XX/2021 the money is still not in my account. I contact Charles Schwab upset that we are about to go into a 3 day weekend and I now have no money in my account. The supervisor that spoke to me basically told me to just relax and wait. I got upset with this answer and he hung up on me. I've missed 2 trading days because of this and am now about to have no access to my money for 5 days.

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 monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been with Capital one for at least 15 years. I have never made a late payment. They put a hold on my account. I have a XXXX balance as of today. For no reason they will discuss, they are asking me to provide a copy of my Florida drivers license before they will allow me to use the card again. They did the same thing several months ago and i reluctantly did so because I do not like sending that information over the XXXX to anyone who calls me or asks me in a letter to do so. When they took over XXXX XXXX credit card system, they asked me to do the same. I refused and destroyed the card. 
I believe this is a case of age discrimination ( I am XXXX years old ) or because I do not keep a balance and pay them much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX  is incorrectly reporting that NAVIENT is the owner of a student loan placed in my XXXX  consumer credit file under my personal information. 
On XX/XX/2020 XXXX  initiated a three-way recorded call between XXXX, NAVIENT and myself, in that call NAVIENT acknowledge to XXXX  and myself that they were not the owner of the debt listed under NAVIENT and stated that XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX at phone number XXXX was the owner of this debt. XXXX  continues to list NAVIENT as the owner of this debt in my consumer file. 
I spoke to XXXX of XXXX XXXX at the phone number provided and she said that they do not have any information under my personal identification and promptly transferred me to a California phone number where I spoke with XXXX at XXXX. She stated that they did not have any information pertaining to this debt nor any debt pertaining to my name and social security number or any other personal identifying information. A second call to XXXX XXXX in California on XX/XX/2020 with XXXX confirmed again that they did not have any information pertaining to this alleged debt. 
Navient has since, sent written documentation stating that they are not the owner of any alleged student loan under my name. This document was forwarded to XXXX, XXXX  refuses to correct or delete their reporting despite the recorded phone call and direct written documentation from Navient that acknowledged that they did not own the alleged student loan. XXXX  continues to inaccurately list Navient as the owner of a student loan listed under my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Never had Yamaha finance .... signed contracts with XXXX XXXX and paid the account off in full XX/XX/2020. However, Yamaha motor finance is reporting 90 days late. This account needs to be deleted from XXXX, XXXX, and XXXX immediately. Attempted numerous times to dispute through credit reporting agencies to no result. This is the last attempt for correction before I pursue legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
On XX/XX/2021 I received a call from Quicken loans regarding refinancing my mortgage. I filled out a form on XXXX XXXX asking for more information on refinancing. I started getting tons of calls and when I picked up the phone I started by asking Quicken to place me on their do not call list. I didn't realize how many calls I would receive after filling out that form. 

I was transferred to XXXX XXXX ( mailto : XXXX ) who was able to convince me to have a conversation about a mortgage refinance. During the call he asked me to verify the last 4 of my SSN, which I did, and then he said " so your whole SSN is XXX-XX-XXXX? '' I said yes. He then pulled my credit. He never asked me to pull my credit, nor would any customer suspect that by giving the last 4 of SSN that that would authorize a credit pull. I was expecting him to ask me for my permission which he did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: WA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5300.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Alpha Recovery Corp
State: NY

Complaint narrative:
My debt was with XXXX XXXX XXXX i.owed money to the card.they transferred it to alpha recovery or the bureas i made a settlement with them and paid it off its still shoeing on my report I owe XXXX XXXX XXXX and the bureas not true. Ita all been paid I would like it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: WA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-02-12 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX INVESTMENT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
It was reported on XX/XX/2021 for XXXX that I don't owe .And it has brought my credit score with all three credit reporting agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report shows public records that is not mine. I have disputes this many times and asked equifax to remove it and they wont. They said it was verified by courts and I have a letter showing that courts do not verify. Then they said vetoed by XXXX and I have a letter that shows this information is not on my XXXX report. I keep sending my letter by fax and by certified regular mail and equifax either says they didnt get it or that its ineligible. This has been going on for about a year and every time I call they dispute the item again and it comes back verified by XXXX. I call XXXX and they said its not true because any report from XXXX wouldnt have a public record on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My debt was with ny and company i.owed money to the card.they transferred it to XXXX XXXX or XXXX XXXX i made a settlement with them and paid it off its still shoeing on my report I owe ny and company and XXXX XXXX not true. Ita all been paid I would like it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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:
Complaint Description : Equifax has randomly placed a fraudulent collections account on my credit file. As of today, XX/XX/XXXX, Equifax has fraudulently placed a collections account from XXXX/XXXX XXXX  onto my credit report as a negative item. While looking at the details of the credit entry that was submitted through Equifax, I noticed that randomly and completely out of nowhere, Equifax placed this account onto my credit file. The account details have no association with me or my credit report. I've never had a XXXX  credit card, I've never received a bill from XXXX  nor a collection letter referencing this account. The account apparently shows that it was established in XX/XX/XXXXfor roughly about 5 months with every payment being late and no reported data thereafter. 6 years later at random Equifax decides to find the first XXXX  person to purposely attempt to sabatage their life. What is the recourse for establishing fake phantom accounts and placing them on unsuspecting Consumer Credit files? Its disturbing to know that us as consumers have credit reporting associates that operate with such incompetence in handling our credit files ; our credit has such a significant part in our livlihoods. This is sabotage and fraud on every level and Equifax is operating out of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX  reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
TransUnion and XXXX  both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status XXXX  report XXXX XXXX XXXX as a closed account status. TransUnion report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : XXXX, XXXX XXXX XXXX, Equifax and XXXX XXXX XXXX keeps Refusing to delete old obsolete Addresses I pulled a copy of my annual credit report and saw that there are 7 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an address that I have never lived at. I believe this is identity thief. They are putting utilities in my name. 



Dear Representative, I pulled my credit report using XXXX XXXX XXXX ( XXXX XXXX XXXX ) from all three of the credit reporting agencies. When I received my report from XXXX  and Equifax I notified that they were not deleting my old addresses as I asked them to. They are continuing to report my old addresses in the file. I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but XXXX  and Equifax is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. It is clear that XXXX  and Equifax doesnt care about 100 % accuracy on my credit file. This is misleading my creditors and those third party that use the information in my consumer file. 

I am only asking that information on my credit report be 100 % honest and accurate which they have failed to fulfill. 

I look forward to your reply and assistance on this matter. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MO

Complaint narrative:
OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
It started about three years ago, I was contacted by this debt collector, the would call three or 4 times a day. Seven days a week, when I asked them to stop the excessive calling. I was told that they are a bill collector and they don't have to stop calling me. I finally had to threaten to file a phone harassment suit. This is after about 300 calls in a six month period. They stopped calling and have started calling and hanging up on me now.

Company response to consumer: Closed with non-monetary relief