vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: OR

Complaint narrative:
On XX/XX/2021, there was a hard inquiry on my Equifax credit report. It came from XXXX  XXXX XXXX XXXX. I did not authorize XXXX  XXXX XXXX XXXX- verbally, electronially, or physically ( via signature ) - to access my credit report. I then promptly filed a dispute with Equifax regarding this innacurate hard credit pull, as I did not authorize this. I do not believe the action was one of Identity theft, because I did have an account with this credit union, but they accessed my credit report with information they had on file and without my authorization or provided information. Equifax refused to remove the hard inquiry after my report was filed. Documentation of this is attached. I requested the credit union remove the hard inquiry, but they refused and told me to contact equifax to dispute it, which I did as I mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Made my last principal and interest payment at BESTBUY Store. Apparently I was past the 15 days ( although the cashier at the store didn't tell me ) I apparently began to receive late fees and interest charges. Once I made my final payment, thinking I was paid to {$0.00}, I never recall receiving anything BestBuy/Citi . I finally became aware of the fees and called. 
XXXX XXXX I called Citi Card to complain they were capitalizing on late fees and interest charges. I was told there was nothing they could do and I owed that money. I refused to pay anything other than what the original late fee was stating, " it is no fair and is even predatory to capitalize on late fees and interest charges on something that started with a {$0.00} balance. '' Wednesday XX/XX/XXXX I called back. Was made aware that Citi decided to waive the full amount of fees ( which totaled around $ XXXX ) and that I had a {$0.00} balance and the account was closed. I was told that the negative information, balance & delinquencies would be removed from my credit report on XX/XX/XXXX, As the call was ending, I asked this rep for her employee ID as I had my doubts that this would be rectified so quickly and easily. XX/XX/XXXX or a few days that follow, I see that Citi has wiped the $ XXXX balance on my credit report to {$0.00}... however the late/delinquencies were still appearing... i called back on XX/XX/XXXX... i was on the phone for over one hour and nineteen minutes ... over 70 % or more of this time kept on hold. After all this time, a woman named XXXX from the Tennessee office TEAM XXXX ID # XXXX told me that not only did I have to keep waiting for this report to be processed ( that this could take 2+ weeks, it wasn't even guaranteed to be wiped from my credit report. I explained to XXXX and before her ( XXXX EMPLOYEE ID XXXX ) that i was told on XX/XX/XXXX it was going to be taken off of my report, balance and delinquencies... upon telling XXXX this, she said we will go back to that rep and use this as a teaching experience. This is unacceptable in protecting a consumer from these large corporate financing companies. What are we to do? I was told one thing, now being told another. What protection does a consumer have?

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 2021-09-21 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Ever since around XXXX of XXXX, my family worked with Newrez LLC to acquire a loan by taking equity out of one of their homes. As a co-signer to the loan, early on, I provided all of the information requested by Newrez ; this included paystubs, w2 forms, and any other information they had requested to process the loan. At first they conducted a hard inquiry into my credit as well as my parent 's credit. Yet, over the course of the next 1 year and 9 months, they were painfully inconsistent with responding to our inquiries about the progress of the loan. Failing to provide a reliable method of contact and ultimately prolonged the loan process to well over a year and nine months. During this time, despite it being prolonged due to their lack of professionalism and inability to get their affairs in order, Newrez conducted two more hard inquiries into my credit, one in XXXX or XXXX and another in XXXX of XXXX. This type of behavior feels like predatory lending and has caused irreparable financial and emotional damages to my family and I. This is not including the underhanded techniques they used to change key details of the agreement without providing any notice to my family. This is by far the worst company with the worst representatives I have ever dealt with. There is much more to the issues my family and I faced with Newrez, but does not pertain to the exact complaint I am filing regarding this specific issue. 

As you can see with the attached e-mails, the time it took to get a loan from this company was ridiculously delayed by Newrez, making the repeated hard inquiries into our credit unnecessary and malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 we requested a change of address on the back of our payment statement as a result of delays of getting bills from my office at the beginning of COVID. It took Citi Bank 3 months to change the mailing address and as a result of their failure to send statements they begin to charge late fees and interest. We contacted them by phone and sent a certified letter on XX/XX/2020 requesting an itemized statement. They never responded to the Certified Letter ( documentation available ) but continued to pile up Late Fees and Interest upon the previous illegitimate Late Fees and Interest! 
Since the credit card is tied to XXXX we have paid for all purchases as billed the last payment being in XX/XX/2020. 
Citi Bank has now slandered us by attacking our credit rating and sending false information to numerous credit bureau 's when the problem is theirs! They continue to perpetuate this scam and do not do what they say they will do nor respond to our written communication.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through XXXX XXXX. XXXX XXXX is a third-party collection agency that represented XXXX. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from 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 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices and constant phone calls, in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom it May Concern- I responded to an American Express XXXX XXXX XXXX XXXX credit card on XX/XX/XXXX. The offer specifically promised XXXX XXXX XXXX if I spend {$3000.00} in the first the 3 months of opening the card. This XXXX reward point offer was active as far back as XX/XX/XXXX. 

This same offer is being advertised on the American Express website as today, XX/XX/XXXX. I spoke to XXXX from American Express today and she claims the XXXX mileage point offer doesn't exist. Even after I directed her the AMEX website, she claims the offer did not exist at the time I opened the account. I have photos of the website from XX/XX/XXXX that clearly shows the offer DID exist when I opened the account. This is clearly a bait & switch fraud being perpetrated on me by AMEX. 

I've been a loyal AMEX customer since XXXX and never missed a payment. You can reach me directly at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XX/XX/20 sent certified letter XXXX to Progressive Management disputing alleged debt I have no knowledge of. no response received sent a second certified letter on XX/XX/20 XXXX again no response received. I have not been able to obtain any such verification that the alleged debt exists yet this company continues to report and verify it's accuracy with the credit bureaus. I have never received any bill from XXXX XXXX XXXX. If any charges were owed I do have medical insurance to cover it. this company continues to violate the law causing me to incur financial damages. this account needs to be removed immediately from all my credit bureaus. they need to be held account for their illegal business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX and XXXX of this year, 2021, someone used my ATM debit card from the Bank of America to make XXXX  of dollars of unauthorized purchases. I never lent my card to anyone, and I never told anyone my debit card number, PIN, or the three-digit security code on the back of the card. This person, or group of persons, drained my checking account of over {$3700.00} in unauthorized purchases, mainly from XXXX XXXX, XXXX, XXXX, XXXX XXXX, and many other merchants. I filed a police report with the XXXX XXXX Police Department, and I faxed this police report to the Bank of America. Despite all of my efforts, the Bank of America has declined to reimburse me ; they have stated they don't believe my claims of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I had a payment arrangement with GM Financial to pay off the remaining balance of my XXXX lease. I paid the balance off in full XX/XX/2021. GM Financial negatively reported 30 days late for XX/XX/2021 and 60 days late of XX/XX/2021. These payments were on time. GM Financial said that there was inaccurate reporting and a discrepancy on my account. I had to send in bank statements showing proof ; even though their records indicated that I was indeed correct. As a result of the negative reports, I had another account close because my score was reduced significantly. I have worked very hard to pay off debts and repair my credit. This has impacted my ability to find and establish housing. This was not my error and it needs to be corrected and rescored. I would like the closed account to be reopened as that was contributed to this inaccurate reporting on GM Financials ' system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.

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 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.

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 2021-09-21 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: MD

Complaint narrative:
My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.

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 2021-09-21 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: MO

Complaint narrative:
I discovered a discrepancy on my credit report and I notified Equifax, that there was an open charge account for XXXX XXXX that was not mine. I notified XXXX XXXX  which is the holder for XXXX XXXX and they stated there was no open account for my name and social security number, but it's an open charge with Equifax. I do not have an open charge account with this company and have made no purchases. I need this to be corrected and removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I AM ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I AM ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.

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