vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: GA

Complaint narrative:
This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by CALIFORNIA BUSINESS BUREAU INC, they are being completely unfair and I dont know how to g

et ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of m
y life with all this situation.

I want to give CALIFORNIA BUSINESS BUREAU INC. The chance to solve this matter before any legal action is taken.

Account information : Acccount name : CALIFORNIA BUSINESS BUREAU INC Date Assigned : XX/XX/2016 Account Number : XXXX Original Balance : {$1700.00} Demand and remedy : Deletion account and waive the balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: LEXISNEXIS
State: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and XXXX and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
I have asked this company to send me details about this collections account by email or mail but have received anything but multiple calls a day everyday even after I have asked them to stop. When I do return the call, they wont give me any information without an account number ( which I do not have ) but they expect me to verify personal information.

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 2021-07-26 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: NV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
" Diversified Adjustment Service, Inc. '' has been making repeated, unwanted calls to my personal cell phone for weeks now. They never leave a message. It's clear they are a debt collector, but I have no idea what debt I could possibly owe. I do not believe I owe any to anyone. They certainly have not let me know of any debt they claim I owe them in writing, as I believe they are required to do by law within five days of contacting me. It has been well beyond that ( first call was at least two weeks ago ) and still I have no proof or even a specific claim of any debt, in writing or otherwise, just persistent spam phone calls. I wanted to let them know in a written message myself to either provide proof of a debt or cease contacting me, but they do not seem to make it easy to contact them in writing, so I was forced to go directly to you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
To whom may this concern : I have been with Lakeview Loan Servicing, LCC since I purchase my house on XX/XX/XXXX. Since that time, I have recruiting payments online through their website services. On XX/XX/XXXX, they made 3 times charges to my mortgage for {$2800.00} ( these charges were reflected on my bank statements on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I contacted Lakeview Loan Servicing, LCC several times back and forth with the bank and I tough I finally got everything clear. Out of these 3 charges to my account, Lakeview Servicing, LCC got its XXXX mortgage payment and they sent me a check for the amount of {$2800.00}, but the bank and I noticed there was one more payment missing in their end. 
From XXXX to XXXX, I had a dispute with them for my {$2800.00} that was missing on Lakeview Servicing, LCC and it seems they will never found it. To make things worse, they sent me documents for Pre-Fore closure. My bank finally retrieved there {$2800.00} from XX/XX/XXXX and they gave me temporary credit. My complain is : 1st. Lakeview fail to find out and do an audit to their employees about that missing payment in their end. 2nd. Every time I called them, they were trying to collect more mortgage payments because according to them I was delinquent in my payments, even do they knew my case, and they knew the bank would not allow me to make more payments. 3rd. They sent me PRE-FORECLOSURE documents. 
On XX/XX/XXXX, I finally was able to clear my missing check with the bank, the bank retrieved the payment for XX/XX/XXXX from Lakeview Loan Servicing, LCC. Finally I pay my mortgage for XXXX, XXXX and XXXX. But I believe its more to come from this mortgage company.

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
Complete credit solutions reported a collection on my credit XX/XX/XXXX. I never received any notification before they reported it. I contacted them for the 1st time XX/XX/XXXX after checking my credit. To request a debt validation letter since I never received any notification. Then I called them again XX/XX/XXXX. I had spoke with a lady. She stated that she's not allowed to do nothing fraudulent. I was like " ma'am I'm not asking you to do nothing fraudulent, I simply just want some validation on this debt. Then she said she would have her supervisor call me. '' I received a called from the sup XX/XX/XXXX, and he said he would get a letter sent out. I received the 1st letter from them. Then I sent one back to request debt validation. They just been giving me the run around. Then I received another letter for the same balance from a different agency. I find that very bizarre. I need help addressing this issue.

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 2021-07-26 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: CA

Complaint narrative:
After reviewing my credit report, I disputed the information provided by XXXX XXXX XXXX on my report with Transunion on XX/XX/21. 

On XX/XX/21 Transunion investigation results : Information provided by XXXX XXXX XXXX were " VERIFIED and ACCURATE '' On XX/XX/21 File complaint with CFPB ( Complaint ID XXXX ). Complaint were sent to XXXX and XXXX responded back all in the same day. 

Results of complaint with CFPB : Incorrect and inaccurate report on my credit report by XXXX  were removed on 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 2021-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently applied for a car loan. XXXX  XXXX XXXX told the dealership they couldn't get a credit report because of a freeze on my account. XXXX XXXX has no freeze. XXXX  has no freeze. I don't know when or why there is a freeze. I did not put it on. When I spoke to Experian customer service ( impossible to get a person ), they told me the federal government put a freeze on my credit on XX/XX/21. First off, how is this possible without my knowledge? It is a violation of my privacy and civil rights to do that without my knowledge or consent. Customer service rep at your agency told me to write this complaint. I demand to know who put the freeze on my account and why? I will pursue legal action if needed. 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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Paypal announced today that they are partnering up with the infamous known " XXXX '' organization that has been known to be XXXX XXXX in their ways of treating people who are known to stand against the criticism of XXXX - in a move that would ban people the use of the paypal system based on their political view.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit file and noticed this debt. I called and settled this with them as soon as I got the chance. I was unaware about a charged off amount so I apologize. I ask that they please remove the account from my file as this has been satisfied. If this account can not be removed I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt. Please remove.

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 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had a flight cancelled XX/XX/XXXX due to Covid. The airline refunded the money to Citi on an unknown date. On XX/XX/XXXX Citi emailed me saying that I would receive a refund within 7-10 business days. The amount is {$610.00} ( XXXX Thank You Points + {$41.00} USD ). 

As of XX/XX/XXXX I have not received the refund. Each call to CitiBank / XXXX  / XXXX XXXX XXXX / Accounting dept yields a new answer. Here are a few : -check will be mailed early XX/XX/XXXX -check will be mailed late XX/XX/XXXX -refund was issued to a closed credit card account on XX/XX/XXXX -I should have spent the points in XXXX before closing the card (??? ) -refund in 1-3 billing cycles -refund in 7-10 business days Trip ID : XXXX Thank You Member Number : XXXX Flight info : XXXX XXXX  XXXX XXXX, 2 one way tickets XXXX to XXXX on XX/XX/XXXX My address is current on my Citi and XXXX profile.

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 2021-07-26 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 — Problem with personal statement of dispute
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
In 2019 I was in the process of filing financial assistance with a hospital and was told that while I was applying for assistance the debt would be put on hold. Soon after I received notification that they sent the debt to overton russel and doer. I called and explained the situation, and both institutions told me that it was too late to fix once the debt was sent to collections. I then had to apply for a loan to pay the debt and it has been paid in full for the past 2 years. This debt should not be reflected on my credit report and should have never been sent to collections in the first place. Overton russell and doer has since told me that they will not remove it from my account until it falls off in 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I would like to formally dispute the interest rate I am being charged on USAA credit card. I formally mailed the complaint 8 weeks ago and have called several times, getting bounced between credit card servicing and application. Noone can give me straight answers on why this has happened. They only tell me I need to keep requesting new cards to see what my new interest rate would be. 

My husband and I have the same credit history & address for the last 10 years. We recently applied for an investment mortgage and USAA sent our credit scores. My credit score is higher than his and has been at least that or equal to his throughout our marriage ; however, his USAA credit card ( same product as mine ) is HALF of what mine is. 

We both have and called in to customer service agents and have gotten all kinds of reasons why they are materially different. However, given the facts, I can only surmise that it is because I am female- which is tantamount to discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
please review the following accounts that appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Submitted an investigation with credit bureau and Santander both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I have recently had my identity stolen and used to fraudulently apply for unemployment benefits. I reported this to the Illinois Department of Employment Security, and they helped me with that issue. A few days later, I received a credit card in the mail from a company called MoneyLion. I have tried to call to close the account and get more information about how it was opened in my name, but I am routed through an on-hold system and unable to reach anyone there. I want to close the account and make sure that no loans were taken out in my name, and that no fees have been assessed to the account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$940.00} Balance updated XX/XX/XXXX XXXX provided AMERICOLLECT with my medical information without permission. Theyre reporting an incorrect bill for services that were covered by XXXX XXXX XXXX XXXX XXXX XXXX This is the second time this company has tried to place a medical bill on my credit. The last time they tried it was XXXX and was told my XXXX  to remove the collection as the balance wasnt paid by fault of 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 2021-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: OH

Complaint narrative:
I received a letter in the mail from XXXX lending stating I had " available funds '' and it looks like a government letter.

Company response to consumer: Closed with explanation