vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after XXXX incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. 

I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. 

Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I tried to despute it on XXXX  but they still keep insesting that I owe almost {$2000.00} AND I only owed them {$50.00} and some change and they are messing up my credit bad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In 2018, I was part of an eviction proceeding whereby it was agreed that the eviction would be dismissed upon payment of a total amount of {$2100.00}, which included rent due and lawyers fees. Because the landlord refused the submitted last month rent amount of {$1000.00} in order to comply with eviction laws, they wrote me a check for this amount, which I never cashed. This check is to this day in my possession. There was also a total of {$300.00} deposit paid which should have further reduced this total amount owed to {$790.00}, which I have advised them that I am ready and willing to pay. Genesis, the company which seems to have bought this debt has tacked on about {$1600.00} in late fees to this {$2100.00} figure, with no transparency as to billing or justification. They have repeatedly failed to properly account for the last months rent or provide a billing that either justifies the amount they claim is owed or why the additional late fees have been accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: PA

Complaint narrative:
Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then Equifax reported did I had a 39 % usage on my premier credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Mercedes Benz Financial Services
State: NC

Complaint narrative:
I applied for credit to purchase a vehicle XX/XX/2020. After I purchased the vehicle I received multiple alerts of several finance companies pulling my credit. Then I received multiple letters denying my car loan. I thought only Mercedes Benz pulled my credit. What triggered his complaint is when I applied for an XXXX card today and was denied by XXXX because they said I had too many credit inquiries. This is not fair because I had no control over the Mercedes dealership sending my information to multiple banks. I did in fact get the car loan from XXXX XXXX and that is the only inquiry that should stand on my credit reports. All of the other credit inquiries during that time should be deleted. The multiple credit inquiries negatively impact a consumer 's ability to obtain other credit. I am sure XXXX would like to have a new Customer that pays on time, credit score of XXXX and income over {$100000.00} per year. This hurts new companies from gaining new customers. This hurts consumers by getting denied credit based upon something that we have no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then XXXX reported did I had a 39 % usage on my XXXX credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: GA

Complaint narrative:
XX/XX/2020 - XX/XX/2020 {$0.00} The companies TransUnion, XXXX, and XXXX  have been reporting illegally and malicious complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: GA

Complaint narrative:
XX/XX/2020 - XX/XX/2020 {$0.00} The companies XXXX, XXXX, and Equifax have been reporting illegally and malicious complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I booked a trip using citibank 's Thankyou.com on XX/XX/XXXX using XXXX thank you points ( trip ID XXXX ). Later the trip had a significant schedule change so I called in XXXX to cancel the flight to get a full refund in the form of thank you points. The cancellation took over 90 days and I finally got the refund of the points back to my account on XXXX after calling the customer service again. However, when I checked my account back on XX/XX/XXXX -- the points disappeared. I called the customer service of citibank thankyou service and I was told that those points were refunded to a credit card account that has been closed/converted and therefore forfeited. This a unfair treatment to the customer as ( 1 ) citibank should not refund the points to be associated to an account that has been closed/converted ( 2 ) no one has informed me that these refunded points will just expire 3 days after it is being refunded and there is no way to check that on citibank 's website. ( 3 ) when I checked the website on XXXX -- the refunded points were shown under my active Citi Premier card ( 4 ) the refund process took over 90+ days after my initial call for cancellation. I contacted Citi 's Thankyou customer service several times on XX/XX/XXXX and XX/XX/XXXX ; during the last call, the representative said he had submitted a request to credit the points back to my account within 5 days ; but the points are not available as I checked on XX/XX/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
Consumer complaint received 2020-07-17 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX, my ssn is XXXX. The issue I am having is with a company from XXXX  XXXX Oklahoma makes XXXX XXXX XXXX XXXX. I one about thats over 7 years 3 months old that is still on my credit report. I have another account with them that will be 7 years old on XXXX XXXX,2020. Finally this company has conducted 2 hard inquiries this year without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im under Quarantine and have attempted to get the Fax # to Experian. I have to fax some documents as I can not go outside due to covid. Id like to have the dispute Fax line to Experian. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX  XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING .... 

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING ....

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX on a recorded line. The falsified agreement has been disputed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a SBA grant for XXXX . Bank of America froze my account and closed it without any prior notification. My funds were never sent back after the closure. I was told by several employees that I would receive a check for the remaining balance which has yet to be sent. This was on XX/XX/XXXX. Today is XX/XX/XXXX and I have get to anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: IN

Complaint narrative:
I was approached by XXXX XXXX and Equitable Acceptance to so called help me get loan forgiveness on my student loans. In the process of them so called helping me they have charged about {$1300.00} to do absolutely nothing for my student loan forgiveness status. All of the forms that I need to qualify for loan forgiveness are on the Federal Student Loan Website. 
XXXX XXXX and ( Equitable Acceptance ) which whom XXXX contracted out to collect their fee 's did absolutely nothing for me. 
They are charging people to handle their loans and loan forgiveness when they in all actuality are a needless middleman. In XXXX  when I first got involved with them they never even gave me the correct forms to fill out from the get go, in which all actuality I could have downloaded from the federal student loan website myself. I was then made to sigh up with Equitable Acceptance to pay a total fee of {$1300.00} These people are Scammers!!! XXXX XXXX and Equitable Acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Have been disputing this account as not mine for the last 7 months. I have sent request to the credit bureaus as well as to Jefferson Capital Systems directly and they have not sent me a response back or proof showing that this is my account bearing my signature. They continue reporting this fraud account on my credit report. Violating the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX  on a recorded line. The falsified agreement has been disputed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I am continuously receiving calls from a debt collect after setting up a payment plan. When I answer the phone call no one says anything and hangs up. This debt is owed to a company thats out of business. Theres valid proof that I owe this debt. I am paying because none of the agents would assist me. I get three phone calls a day with no introduction of who this caller is.

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