vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors 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. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. 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. 130 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. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXXXXXX ) and the Creditors ( XXXX : {$7500.00}, XXXX : {$3100.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$610.00}, US Dept ED : {$4500.00} and {$3500.00}, FEDLOAN ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
To whom it may concern. Chime closed my account on XX/XX/2021 account for what they are saying suspicious activity. Without even warning me.They then ask me to send proof of documents that can solve this matter. I then sent them everything they ask for and they still closed my account. I had over XXXX an my account an I have yet to see a refund, a check, or anything. They told me they will send my money back to the original sender which they never did. I reached out to several emails regarding my refund.They send you automatic emails saying the same thing.That they can not disclosed why they closed my account. You can not speak to anyone once your account is locked or closed.Thats how I know they are taking/stealing peoples money. I am trying to get help on returning my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I am a 100 % XXXX veteran who went to my XXXX to get an tax exemption which went through. The XXXX back paid me {$10000.00}. This was back paid for all taxes I paid from the years of XXXX to XXXX. The county tax lady told me due to some problems with the check and a ex wife on the deed, that she could mail the check to Rushmore Loan Management Services and that they could not legally keep that money past 30 days. Here we are now going on two months. I am also behind on my mortgage and was expecting this money to help with several financial issues. I been calling in and calling in and all I get is lie after lie. People telling me they sent the money or that they sent the money to the title company, however when I ask for the title companies name and information they don't know what it is. 
I just want my money, and the last call I made to them made it known that they were keeping the money because I have six accounts and I have no clue what that even means. All this time over the past 2 months they been telling me its on the way. I am at my end with this company. I don't know who to even turn too. I just want what is mine. Rushmore Loan Management Services LLC. 
XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: UT

Complaint narrative:
On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that XXXX held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXXXXXX file for XXXX and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative XXXX, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.

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 2021-07-13 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: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX  for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that Equifax held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXX  file for Equifax, and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative death, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The money in the estate account that I controlled was removed with XXXX fraudulent checks between XXXX and XXXXXXXX XXXX because the XXXX fraud protection had collapsed. There were many indicators that the checks were fraud but due to XXXX 's carelessness they made unauthorized payments to XXXX XXXX. The XXXX resolution after the initial dispute process was that one check would be given credit and the other checks were denied because of bank policy. The care management team is for the care of XXXX and not the customer. That is why I am reaching out to the Consumer Financial Protection Bureau for help because they are not operation fairly. The important issue is that all the money in my account was stolen while it was in their care. I was trusting them to keep it safe. There was a crime and the law was broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AGAIN EXPERIAN SAID MY ADRESS HAD RECENTLY BEEN UPDATED AND FIXED BUT WHEN I LOOKED THEY PUT THE WRONG ADDRESS ON MY PERSONAL INFORMATION, I AM VERY UPSET THIS IS ALREADY THE 5 TH WEEK AND LIKE 20 DISPUTE AND THE RESULTS ARE STILL WRONG

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 2021-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since XXXX  would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and XXXX to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint Mortgage Servicing keeps putting lender placed insurance on my condominium even though I have both association and personal insurance. I have demonstrated this to them with the time limits via their reporting website, EOI, which acknowledged my submission and said if there were problems they would notify me within XXXX hours. They never responded. I also faxed ( and have the receipt from XXXX ), snail mailed and emailed to one of their employees the insurance dec pages. I have telephoned them several times ( I have a log ) and they always say it will be fixed. The charge went off my mortgage bill but has now reappeared, with a back balance of {$580.00}. I can not get them to stop this. I see via an internet search they have already settled several legal cases against them for this very issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to dispute something on my credit report. Experian would not verify the online account I set up. The verification questions they had were not applicable to me. I was sent to a final page telling me to call to get help. Whenever I call this number no one answers and it just hangs up on you. It's impossible to get a hold of someone. Experian is breaking the law by not providing me with access to 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 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
For the last several months I have talked to XXXX re their continued use of an escrow account that they set up to deal w a gap in insurance that occurred in XX/XX/XXXX/XX/XX/2021. I pay my own insurance ( I have furnished proof back in XX/XX/2021 ) and I pay my own taxes. The insurance issue was settled and I received a letter re that but they continue to deduct a monthly amount from my payment ; then tell me that my payment is " short '' and they " suspend '' my account. All because of an escrow account they set up and will not turn off. I get " robo '' calls re my " short '' payments at least four times a week. when I explain that the problem is theirs they : promise to fix or just hang up. This has been going on for four months or more. My XXXX loan # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am not sure how their lack of resolution for this problem has effected my credit rating etc. I have spent countless hrs on the phone talking to every level of this company to try to fix their error. Still have not got any notice of it being fixed as of today ( XX/XX/21 )

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 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I uncovered Experiential Proof that TransUnion Employs Systemic Predatory Credit Reporting Practices designed to intentionally harm people. 

I have a lot of credit which I keep below a 10 % Credit Utilization Ratio and pay off all cards every month except for 1 XXXX  XXXX XXXX card that was on a 0 % Promo. 

That promo was set to expire and so I was going to pay it off when I received an amazing offer from XXXX XXXX. 

{$10000.00} at 0 % and no Fees of any kind for 18 months so I transferred my XXXX  XXXX XXXX balance whose promo was about to end and a couple of other small cards plus a principle reduction payment to XXXX XXXX  to round out the {$10000.00} So on Tuesday XX/XX/2021 I paid off {$10000.00} of debt and to my surprise that made no impact to my credit report whatsoever. Not even a 1 point increase. 

My score was XXXX and that is where it stayed. 

Then on Sunday XX/XX/2021 when XXXX card reported to TransUnion, TransUnion dropped my score and incredible 111 points and 2 days later on XX/XX/2021 just for good measure TransUnion dropped my score another point bringing me from XXXX all the way down to XXXX or from excellent don't to Yikes! Don't give this guy any credit. 

Just in time to refi my mortgage and take advantage of the current super low rates. I was quoted 1.75 % on a 15 year and now ... They don't even want me to submit an application until this is corrected because it will be denied. 

It is very clear that TransUnion probably in coordination with the big banks has made this change to their algorithm intentionally to hurt people by causing them to have to pay higher rates on all financial products. 

I have done balance transfers in the past with no impact because obviously they can see transfers are lateral moves that make good financial sense and are an indication of smart money management vs a potential problem. 

I contacted TransUnion and they were not helpful at all. Finally, the rep offered to transfer me to a supervisor who might be able to help and I heard the words ... " I'm not gon na do anything about it '' followed by my being hung up on by the supervisor at TransUnion. 

This isn't right! 

Please help me and the thousands or even millions of good hard working responsible people who TransUnion is systematically and intentionally hurting with their unfair, unjust and predatory credit reporting and scoring practices. 

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A card was opened in my name without my consent or authorization. It is a PayPal branded debit/ MasterCard .

I received the card in the mail. I called the credit card company to close the account and report the fraud. The credit card company refused to close the account.

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 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
" Resurgent Capital Services '', " LVNV Funding LLC '' and " XXXX XXXX XXXX XXXX '', all have been sending me Collection Letters, Settlement Letters and Threats of Collection, for a " XXXX XXXX Credit Card '', that I did not possess, with an outstanding balance of {$840.00} dollars ( XXXX ), all of the aforementioned Fraud Companies have also tried to get me to sttle for half of the total amount, they claim I owe, I had fought this " Fraud '' debt as far back as ... 2005? and assumed that it had all been settled through " XXXX XXXX '', till just recently, I have even checked my credit report, and do not see this negative strike? this is from 16 years ago, and I doubt that, I still have my correspondence records pertaining to the settlement? I have requested documents of proof from " Resurgent Capital Services '' and " LVNV Funding LLC '', and have yet to receive any type of documentation, this I feel is " Double Fraud '' and plan to have my bank put a block on these 2 establishments. THIS IS CRIMINAL! 

I have attached the latest " Fraudulent '' demand letter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: OR

Complaint narrative:
" XXXX XXXX who claims to work for Direct Recovery Services '' has launched a campaign of repeatedly harassing/threatening me about a " Debt '' that is likely not legitimate, NOR MINE!!. The other reason that I'm filing this complaint has to do with the fact that I'M NOT THE PERSON WHO THEY CLAIM OWES THEM!! This is is in direct violation of UDAAP & FDCPA & I'm on the national do not call registry & " Tim Bell '' knows this, they're claiming my little brother is the debtor they're targeting. They have been told by me at least 3 times & after I got angry because they keep calling me at work, they promised to call me all the time until I convince my brother to pay them!!! Another reason for this complaint is because before they knew if they were even contacting the right person, they were leaving very detailed voice-mails with my brother 's personal information!!! I'm BEYOND ANGRY & WANT SOME RETRIBUTION!! 

Regardless of a debt, you harass the wrong person, you gave out identifying information about your intended recipient to a 3rd party you don't know, you have been notified by me that I'm NOT your debtor, & you made threats to escalate your deceptive practices. You have broken many laws & I want you fired or at least fined & reprimanded, you forget easily that there's REAL PEOPLE on the other end of the phone!! My job is very important, yours ... .... Not so much,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed dispute on items on my credit report again on XXXX-21 to Equifax, XXXX, and XXXX. stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.

Company response to consumer: Closed with explanation