vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: CA

Complaint narrative:
I have received multiple phone calls related to this debt and a letter in the amount owed of {$540.00} from Americollect. I do not feel comfortable giving my credit card information over the phone. Although it's a violation of XXXX for them to even have this debt since it is not mine and a medical for my minor child, I went to their website to try and pay and close out this liability online and the website that is indicated on the bill does not work. I have tried to pay multiple times however, this seems very scary to pay a debt over the phone then to someone I do not know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I received a card from Bank of America that I did not apply for I shredded the unwanted card the same day I received it I checked my XXXX XXXX Credit Report and it shows XXXX accounts with Bank of America XXXX with a balance of XXXX and a credit line of XXXX and another with a XXXX balance I have never used these accounts

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 2022-03-31 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: PA

Complaint narrative:
These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX I am a victim of identity theft and need these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Carrington Mortgage Services There has been ongoing issues in receiving my mortgage statement in the mail and a lengthy time for them to process the payment. So much time would pass before the payment was processed, that I would receive a late notice a day or XXXX after they would process the payment. Today, XX/XX/XXXX, I received the mortgage statement for due payment of XXXX. I sent out the payment on XX/XX/XXXX with the coupon used from last month that I thought was the current one. It came to me in the mail all beat up and half open. It takes an average of XXXX days for them to process my payment. I normally get the mortgage statement late on the XXXX week of the month. I can not access a statement online to print off for my records, but they will easily take a payment. I used to have to pay extra to process payments online until I recently saw that the fee was waived because of covid. 

I contacted the company regarding this issue, the representative on the phone agreed that I have not made any late payments and I am paying extra. I was supposed to have a follow up from someone in the company and have not received any. I was told that the late payment division doesn't communicate efficiently with the payment side, and that is why I got the late notices. 

They have also had to go through my escrow account and redo the amounts taken as I would have too much extra in that account. Trying to talk to someone on the phone is very difficult since covid has struck and the call volume is always very high. I have waited on the phone for XXXX minutes before giving up. I have had to write on paper my payment, account number, how much I am paying and how much goes towards principle because I am not receiving my statements and that is the only way I can see the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PA

Complaint narrative:
These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and need these removed.

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 2022-03-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and need these removed.

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 2022-03-31 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: MO

Complaint narrative:
On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: MO

Complaint narrative:
On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about 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 2022-03-31 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Someone has fraudulently used my credit card number to charge approximately {$8000.00} worth of goods and services. Although I have repeatedly brought this to the bank/credit card company 's attention as far back as XXXX of 2021 they have repeatedly stalled doing anything about it. Finally they told in XXXX of this month that this was not their problem and that it was up to me to resolve. Meanwhile I am paying {$300.00} a month on charges i DID NOT MAKE and to add insult to injury they are charging me {$100.00} a month interest on these fraudulent charges. Additionally these charges should have never been allowed by them as I have had this credit card for over 15 years and had never charged my card anywhere near the extent that this thief did! I left my automatic pay of {$300.00} a month on as I did not want it to negatively impact my credit. Finally I almost always paid my account down to XXXX as I generally didn't charge that much and I didn't want any interest charges. Although the bank/credit card company claims they " investigated '' these charges that is impossible to believe since they never talked with with me about those charges, the charges were made by a person who lives in OK and I live in NC, and the thief that made those charges paid of utility bills, daycare costs ( I have no children at home ), and their bills..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received an email from a XXXX  XXXX XXXX. In the letter it stated that they have received the application for the XXXX XXXX XXXX Credit Card. I have not applied for any credit card so I contacted XXXX  XXXX XXXX to let them know. 
they took all the information needed and send the fraud report to their fraud department. I have also contacted Experian to put a fraud alert and put a claim about this issue since it was already on 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 non-monetary relief
Consumer complaint received 2022-03-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In the past Ive had trouble with the law but I have changed my life and fixed my credit to be a great score, Ive applied for a credit card company which was capital one they approved me for a {$500.00} limit and ive made on time payments and have used the card and have been very responsible. Today XX/XX/2022 I was going to make a payment to my credit card and I was informed that my card was shut down due to me having a federal case open for past actions not relating to any credit cards or financial institutions. Capital one approved me for a credit card while having my federal case open so Im confused why months later they decided to close my card and I havent done anything to have them do that. This is very unfair and illegal, if the credit card company had a problem with it before they should of denied me from when I first applied .This is very devastating and unfair as I am trying to become a changed person and build my future life and for my XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-31 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: Glacier Bancorp Inc.
State: MT

Complaint narrative:
RE : XXXX XXXX XXXX XXXXXXXX XXXX Bank is reporting me as 30 days past due in XX/XX/2022. Not only have I not been 30 days past due, I usually past ahead. I have discussed this with the Vice President as well as the credit reporting officer and they refuse to remove the past due reporting even though I have proven to them that I was not past due. This has caused an over XXXX point drop in my credit score and it is fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am a natural person/not a third party company Discover bank is in violation of federal law and my consumer rights and privacy. 
They sold my open end credit plan pursuant to 15 usc 1602J along with my location information pursuant to 15 usc 1692a ( 7 ) which result in aggregated identity theft pursuant to 18 usc 1028a. They are also in violation to 15 usc 1611 by providing false and misleading information to my consumer report by stating my account was charged off as bad debt but congress law doesnt define what a charge off is. And in violation of 15 usc 1681a ( 2 ) ( I ), they are reporting experiences and transactions to my consumer report that are supposed to between consumers and discover bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: VA

Complaint narrative:
I've Contact Equifax For Several Months Asking Them About A Account On My Consumer Report Account # XXXX ( XXXX. XXXX ) It's Been Well Over 120 Days And I Filed A CFPB Complaint Against This Company Because Federal Law States If No Evidence Is Provided Within 30 Days The Account Has To Be Removed From My Consumer Credit File Equifax Is Committing Identity Theft This Company Closed My Complaint Out And Gave Me A " Generic '' Response This Is Unbelievable How Can Equifax Furnish This Account On My Consumer Report And I Never Gave Them Written Instructions Also They Have Failed To Even Send Me Any Contract With My Name On It I Haven't Received Any Valid Proof This " Alleged '' Account Is Even In Fact True This Is Sad That Equifax Is Taking Advantage Of Consumers Making Money Off " Alleged '' Accounts Then Refusing To Remove The Accounts And Also Not Providing Proper Documents I'm Livid With This Company And CFPB Needs To Do Something About It You Can Not Take Your Company Rules Over Federal Law!! I Demand This Account Be Removed Now!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate 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 non-monetary relief
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, Experian you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, XXXX XXXX, Experian PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to Mont. Admin. R 17.8.1207 Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate 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 non-monetary relief
Consumer complaint received 2022-03-31 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: WI

Complaint narrative:
I have not supplied proof under doctrine of estoppel by salience. Engelhardt v. Gaven ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX Acct # : XXXX Date XXXX : XX/XX/2019 Balance : XXXX Debt is included in identity theft 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