vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX the manager at One Main Financial continues to contact me at my place of employment. I have told him repeated times to not call me at work. One of the times he contacted me was on XX/XX/XXXX of XXXX at XXXX XXXX. another is XX/XX/XXXX of XXXX at XXXX XXXX. and several others before that. This is affecting me way more than emotionally and putting undue stress on me and my employer. I do not want to lose my job due to this gentleman continuing to contact me at my place of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State employees credit union gave me XXXX to buy a car the car have engineers on the same day I bought the car and I asked the bank to cancel help me was not been done and in couple months the engine broke done. 
State employees bought me other {$13000.00} to buy other car i couldnt keep pay for the car the motor got bad. Im still making a payment for the XXXX and my credit card. 
The XXXX is though by accident the insurance pay off my bank. 
Im making my payments on my credit card and my car on time. 
The first car was charged off The second car will be paid full but I cant buy other car was denied by credit union My credit is freezing still I tried to remove negative things from my credit report Ex : I had 3 social security on my credit report Different names also. I need a help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND USED IT TO OPEN THIS FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED FEDERAL AND LOCAL LAW ENFORCEMENT TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH

Complaint narrative:
My name is XXXX XXXX, my mother 's name is XXXX XXXX - We contracted with XXXX XXXX in XXXX. My mum had signed up for auto payments and in XX/XX/XXXX we contacted XXXX that we may need to have some help and inquired about their program. My mum went in for XXXX XXXX XX/XX/XXXX and we thought that her payments were being auto paid. My mum had her bank account compromised and XXXX XXXX XXXX had to change her account. I believe there is where something happened - but we never received a call that her account was not paid and that the car would be repossessed. My mum is XXXX years old. She pays her bills but honestly, I think something fell through the cracks - I called to see what we could do and they wish for us to pay in full. I called to find out why they never contacted us and they said we had a " Do Not Call '' on our contract - That is not true. We never would place something like that on a contract and my mum and I were present together signing this lease. Please help us - as my mum needs her car for dr appointments and she still works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I received a call from a collection agency called CBE stating I have a outstanding account regarding XXXX  XXXX more than 8 years ago. I had settled and paid 9 years ago my debt with another agency. 
Now several years later I receive a call from CBE stating I still owe and they are a third party that the debt was sent from XXXX XXXX. 
I called XXXX  XXXX  which is now XXXX  and said they dont have anything open. 

They ( CBE ) want to charge me the same amount as 14 years ago {$730.00} I advised them this is a scam and I have checked my credit report and this is not appear of anything delinquent including this has been more than 10 years This needs to be investigated https : //www.cbecompanies.com/cbegroup

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: FL

Complaint narrative:
According to the FDCPA, under law 806. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Harassment or Abuse, the company Spire Recovery Solutions contacted me two times on the same day XXXX XXXX without my permissions and even after asking them to tell me who they were and they did not want to tell me. 

Under law 807. False or Misleading Representation, ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The company Spire Recovery Solutions stated that they are working on behalf of an attorney, but they are not. They are just debt collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, ALLY FINANCIAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Premium Credit Bureau
State: FL

Complaint narrative:
on XXXX XXXX premium credit bureau received my consumer fair protection bureau complaint, where I stated the facts that this company : premium credit bureau ran an unauthorized and unverified hard inquiry on my consumer file with out my consent nor authorization. in my complaint I've asked this company : premium credit bureau to remove/DELETED this hard inquiry from off my consumer file and have it reported to the 2 credit bureau XXXX XXXX XXXX & XXXX  XXXX XXXX agencies that are still reporting this. Under the constitution 15 section 1681 ( I ) in connection with a business transaction that is initiated by the consumer, in terms I DID NOT HAVE NO BUISNESS WITH THIS COMANY and to add on the response from this company : premium credit bureau response on XXXX XXXX is very disrespectful too give 60-90 days too have this removed when its obviously showing that that's its not verified this hard inquiry is causing a " defamation of my character " and I will be taking legal actions against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
The homeowner has filed for a loan modification over the past 3 years. She has been denied loan modification based on the fact that she earns too much money. The homeowner 's mortgage is going to increase 35 % in the next 60 days which will force her into default. The bank 's denial to modify this loan is both arbitrary and capricious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
No one has been able to access my credit report with Equifax since sometime before XXXX. Other bureaus are fine, theirs says code NH. I can not open a my equifax file for the same reason. I have spoken to the reps and they have not helped, they just tell me to open a my equifax file, which I have explained I have tried and can not. I have tried to explain that I have been trying since XXXX to fix and they are now saying there is a freeze that they will lift, but that is still not fixing the issue. This creates issues as my credit can not be pulled, even by me, and trying since XXXX to fix has not helped. I need a resolution on this and they have not helped at all even though this is a problem on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NV

Complaint narrative:
I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
on XX/XX/XXXX I entered into a mortgage forbearance plan as a result of being affected by Covid 19. The forbearance was effective from XX/XX/XXXX to XX/XX/XXXX and I was advised that during this period, I would not be penalized for late payments. On XX/XX/XXXX, PHH Mortgage flagged my account with the credit bureaus as being 30 days late. After corresponding with the company, they informed me that there would be no adverse credit reporting and everything is fine, but the account on my Credit report is currently flagged as 30 days delinquent and everything is not fine. the representative forwarded a request to look into it but no resolution was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, a debt collecting agency named CBE GROUP filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX ( formerly named XXXX XXXX ). 

The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX Customer Service Representative on XXXX XX/XX/XXXX at approx. XXXX XXXX ( Communication Form # XXXX XXXX. 

I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). 

I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I asked XXXX to transfer my money from XXXX XXXX account to Goldman Sachs USA in the amount of XXXX and instead they stole the XXXX, them pulled negative XXXX then reversed the negative XXXX in their system without ever giving it back to the external account thereby leaving it negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
FCO will not remove an apartment rental from my credit report although provided correspondence from the prior leasing office. Also FCO failed to provide copies of actual correspondence from XXXX XXXX XXXX indicating that I do actually owe this debt. FCO only sends an expired and voided lease from XXXX and a ledger even though the email from the leasing office indicates my balance is {$0.00}. Also contacted XXXX XXXX, they confirmed they have sold the property, have sold off debt and no longer the owner of any accounts from XXXX and the past. When I have informed FCO they have ignored the request and updates the collection account as " new '' on my credit report. Due to their actions, my credit has been compromised and led to declination of credit lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CONSUMER REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ALLEGED ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Please see complaint XXXX. That complaint was closed with the promise of remedial actions, yet those actions were not taken and the reason for the complaint still exists ( erroneous escrow payment not refunded ). 

I have attached the companies response to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
ON XX/XX/XXXX, I sent my 2nd notice to CMRE FINANCIAL SERVICE , INC, concerning the alleged debts ( XXXX, and XXXX ) that i do not owe.My first letters were sent on XX/XX/XXXX with no respond, so i've decided to sent the last set of letters.I have attached copies below for your reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, BANK OF AMERICA add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
Someone that I don't know created multiple credit card accounts without my permission. I am suffering from identity theft. I discovered this problem after reviewing my credit report when I was planning on purchasing a new home. 
I don't have any clue or leads where this crime may have occurred. To resolve this problem, I written a letter to credit bureaus and I filed an identity theft report to Federal Trade Commission. Even though I have submitted what I can to three credit reporting agencies, all three companies are still reporting few accounts without validating and verifying account 's originality. I have requested to provide and reviewing the following documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents from the creditors nor the credit reporting agencies. It is a clear violation of FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ADDRESS 1. XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX, GA XXXX

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