vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am well aware of my rights as a consumer. I've reached out to this company several times regarding incorrect information within my credit file that means that they are reporting inaccurate information, I have no knowledge of these accounts being reported It should be noted to me an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access. but it was done through fraudulent means, it is not a factual record As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify. meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: ID

Complaint narrative:
I noticed today on XX/XX/21 that I had a negative mark on my credit report from a collection agency called GLA Collection Company. One, I have never received anything in the mail form this company validating that this is a debt that belongs to me. Two, I have never received any calls from this company before they decided to place this on my credit. 
The original owner of this debt is XXXX XXXX XXXX and I have tried to call them multiple times to let them know that this fee doesn't belong to me. Before I left there property I spoke with the manager and was informed that there were many roommates in our apartment and I wasn't going to have to pay this. 
Regardless, this derogatory mark was placed on my credit report on XX/XX/21 and I consider it threatening and extreme harassment of my emotional and financial well being to do this without even a single attempt at contact written or otherwise. If this is not closed and removed from my credit report, because I was told I would not have to pay it, I will take legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center.

7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :

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 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
AMEX has illegally sued me by violating my consumer rights under the FCRA 15 US Code 1692i ( b ) I have never given written or oral consent to authorize the bringing forth of legal actions by AMEX for the alleged debt of over {$5.00}, ooo.

They sent any & all information of this alleged debt to the wrong address on multiple occasions which violated my privacy as well as violating FCRA 15 US Code 1692b,15 US Code 1692d and 15 US Code 1692c ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I sent disputes to the three bureaus about unauthorized use of my credit report. I have yet to hear back from them 30 plus days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Got a scam letter from Comenity Bank saying I applied for a ALL Rewards Mastercard, which I did not do. And goes on to say they need my SSN, date of birth etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: MA

Complaint narrative:
Lender added additional fees for a loan lock that I was unaware of. When I disputed there response was they thought it was in my best interest to lock the rate without my consent. I ended up paying more money for closing then I agreed to. I felt deceived and put into a corner with no other option but to sign and pay the additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: CarMax, Inc.
State: CT

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  I called Carmax Customer service and spoke with them for 30 minutes and 40 seconds in reference to having difficulty making a monthly payment on time do to death in the family was told that may be able to qualify for program to skip a payment and have it added to the end of the loans term was transferred to and second customer representative in the effort to make that happen only to be told that there was nothing that could be done because I didn't qualify was then told by that Carmax customer service rep that if went online to make to post payment by Sun the XX/XX/XXXX It would not report 30 Days and that have few days extra time. At XXXX XX/XX/2021 I posted A payment with Carmax via Web site for XXXX and Mon At XXXX the finances were deposited into my credit union account to satisfy the posted payment amount.Found out the the XXXX payment was not received on XX/XX/2021 do to a credit alert I then Called Customer At Carmax at XXXX XXXX  for 9 minutes and 23 seconds to discuss this alert and the miss information that was given to me on XX/XX/XXXX. I called my Credit Union to investigate Why Carmax Payment was never withdrawn and was told it declined at XXXX XX/XX/XXXX prior to XXXX XXXX My Carmax Account information indicated to payment for the month was satisfactory despite this issue At XXXX I called Carmax for 14 minutes and 45 seconds to Remake the Payment explained the issue... My Carmax Account is showing 30 Days late on my credit report causing my score to drop 40 points. I need this 30 day Derogatory issue to change as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute to the incorrect items on my credit report, it has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I decided to go with Citibank to get a mortgage for a new home I was going to buy in my city. Days and weeks past, and I gave them all the information they needed, with them approving my loan. They provided both parties with the closing date, which was XX/XX/13. They even told me to pay the insurance as a requirement, 4 days before the closing date, which I did. It was around {$650.00} for the whole year. Everything was set to go through until an event which occurred 48 hours before the closing date, Citibank backed out. They deleted all information regarding my account, and left both me and the sellers in the dark. This is not fair. I'm now at a lost as to what to do, not to mention XXXX  because I have to turn in the keys for the apartment I'm living in at the end of the month. 

Also, to clarify on a previous question : Have I tried to resolve the issue with the company? Yes, but they have blocked all communication attempts.

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 2021-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit continues to call from various numbers. I do not have an account with them. My wife does. They started calling my daughter as well. The calls are coming 2-3 times a day from multiple numbers and to my work phone which has been affecting my job. Theyve been calling constantly for the past few months as recently as yesterday XX/XX/21. Ive blocked numerous phone numbers and they just come in through several others from MI, CA, MN. 

This was for some debt my wife has and I made an arrangement with them ( on my wifes behalf ) to pay it off but they did not continue after the first payment. Im not responsible for them breaching that agreement and I will not reauthorize. Yet they continue to call daily and even on weekends. I would like this to stop immediately. Especially since its not my debt to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
ON XX/XX/21 HSBC BANK PUT A CHARGE ON MY ACCOUNT ( XXXX ) FOR {$39.00}. THEY DO THIS ON A ONGOING BASIS WITHOUT ADVISING ME. I DID NOT MAKE THIS CHARGE. THEY SHOULD NOT HAVE THE LIBERTY TO JUST PUT STUFF ON MY CREDIT CARD. I WANT THIS OFF MY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
Bridgecrest finance has received a payoff check from my insurance company and the gap insurance company but refuse to correct my account. Erroneous reporting in XXXX of 2021 ( when the loan was paid ) has resulted in negative credit reporting essentially ending my ability to purchase a home. They have blamed backlogs for the 3 month process of simply getting the checks applied to my account. The company at first claimed to not have received the checks, then after cancelling them and reissuing, they applied the first set of checks and then removed all payments including approximately {$2000.00} in payments that I made so that they would not continue reporting my account negatively to the credit agencies. I have escalated this matter to an EVP in their customer relations department and after two weeks it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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 XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. 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. 

4. 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 on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX 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 XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX CR U on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: AZ

Complaint narrative:
I received a notice from ACI, American Coradius International LLC, regarding a debt that I do not owe. The bill from this company is not even in my name. Someone named " XXXX XXXX. '' My name is XXXX XXXX XXXX. 

I sent a request to this company for proof that this is my debt, who the original debt owner was, the account number, amount, date of last payment, when the account was opened, closed, and sent to collections. I received no response from ACI. 

I want this company to stop contacting me about a debt that is not mine. They are required to provide proof this is my debt, they did not follow the law and do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hello. I opened a checking account at HSBC using a promotion. My account number is XXXX. 

I am supposed to receive a {$450.00} sign on bonus after I direct deposit a total of {$5000.00} in 3 months. The bank is denying the bonus claiming that {$5000.00} needs to be deposited each months. I am attaching supporting documentation. 

1. Copy of promotion that I received is attached ( name of the attached file is HSBC Promotion received.pdf ). Highlighted area on pager 3 states that a total of {$5000.00} needs to be deposited. It does not say that it needs to be deposited each month. For reference, I include a current HSBC promotion that clearly states that {$5000.00} needs to be deposited each month. Clearly, HSBC recognized an oversight and corrected it. 

2. Attached is copy of my bank ledger showing deposits, {$1500.00} each 2 weeks for the total of {$9000.00} for three months. 

I contacted HSBC a few times and it appears that they are confusing current promotion with the promotion I received. My HSBC case # XXXX. 

I would like HSBC to honor the promotion I received and deposit {$450.00} into my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: MD

Complaint narrative:
Hello, My name is XXXX XXXX. 

Currently, I am one payment behind with my mortgage with Gregory Funding. 

My mortgage company keep adding very high late fees. As a result I owe over {$1500.00} in late fees. I was wondering if you could help me get the late fees removed. And, have the 1 payment moved to the back of my loan. 

I have a FHA loan and I continued to pay my mortgage during the pandemic. I was never offered the opportunity to have this 1 payment moved to the back of my loam. 

I feel Gregory funding is a predatory loan company. 

Also, I have a surplus on my Escrow and I am not allowed to receive these funds. 

Thank you for your help regarding this matter. 

Have a wonderful day. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in XXXX, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :

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 2021-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from XXXX  3 . XXXX  has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted XXXX  : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating XXXX  the dispute center is unblocked ; then 5 days later XXXX  reports month after month XXXX  is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate XXXX  has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into XXXX  Actions : See the two updated attachments :

Company response to consumer: Closed with explanation