vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
I received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XXXX XXXX of 2021. I have never had a account with XXXX and will never. I am reporting Identify Theft in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On multiple occasions Kohls Credit has withdrawn 2 payments from my account when I authorized 1 payment. This is a reoccurring issue and has been occurring for well over a year. I have alerted their customer service where I was told they can not reverse the duplicate charge so starting with the duplicate charge in XX/XX/2021, I have been reporting to my bank to get the charges reversed. This is a deceptive practice where the site shows one payment as being scheduled but 2 payments are withdrawn from the account. I have no idea how wide spread this issue is but it can not be only me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Fraudulent account opened in my name and can not contact Chime to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
My banking account was closed after my check was direct deposited, they have yet to provide me a reason for the closure or ask if any transactions was made by me. The bank in question is Citi Bank. I have called no less than 20 times and they refuse to provide me with answers or my money. The happened on XXXXXXXX XXXX and my family had to go without dinner or presents.

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 2021-12-27 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: TN

Complaint narrative:
I have reached out to TransUnion three times asking to not only to verify information on my credit report but to also get some information on a few closed accounts that appear negative on my account. These dates are XX/XX/2021, XX/XX/2021, and XX/XX/2021. I still have not received any updates.

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 2021-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was on a forbearance plan with Caliber Home Loans starting XX/XX/XXXX to XX/XX/XXXX. My payments resumed in XX/XX/XXXX which I made. I made subsequent payments in XXXX, XXXX XXXX, and XX/XX/XXXX. Up to today, my account has not been updated. I have placed numerous calls to Caliber, communicating to Customer Service via the website and written on two occasions to Corporate Office. There is no phone number listed for Caliber and Customer Service refuse to give me their contact information. I did receive a letter from the Advocacy Dept saying they would do their research and comply within a period applicable by law. To date, XX/XX/XXXX, I have not heard a back from Corporate. Calibur has been my servicer since I purchased the property in XXXX and never have I experienced such disrespect from a mortgage company. I heard they were bought over by a new company last summer, and I understand they were switching systems, but not applying my payments since XXXX is thieving my money in my opinion. I have been calling every week for months, and I I have been hung up on, yelled at, left on hold for hours at a time, and I am just disgusted that a mortgage company, as large as Caliber, can treat their customers with such low regard. They assigned me to a Single Point of Contact Dept, which was supposed to be only during the forbearance period, but up to today, they refuse to remove it because according to Calibur, I am delinquent on my mortgage. I can not resume my payments online, again because I am still in delinquent status. I am short in escrow, because my payments have not been applied, so my payments have increased significantly. I want to make sure that when all my payments are applied, they will be done so correctly and every penny will be applied where they should. They keep telling me they are running behind and they will get to it, but this is absurd. This is deliberate and hypocritical. There needs to be protocols in place to make sure mortgage companies like Caliber, who feel they are too large and untouchable, doesn't treat customers like this. If they are short-staffed like they have repeatedly told me, then they need to employ more people. We the customers should not be paying for their shortfalls. I have been making my payments and I need to see these payments applied as they should by law. I am sure they will say they have been repeatedly told me they are working on it, but 5 payments behind???? I am in the process of refinancing with them, and that has been put on hold pending the update to the account. I am besides myself with anxiety with Caliber whilst they bounce me around with lies. I am asking for them to please update my account. That is all I am looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

XXXX Credit Cards : I had credit cards in my name which reflect a solid repayment history. 

XXXX. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.

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 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I reached out to asset care LLC in regards to a medical debt they are reporting on my credit report. I don't recall ever having outstanding debt for a medical bill and never received any notices from any hospital or third-party collector. When I reviewed my credit report last month I was surprised to see this account reporting. I acted promptly and mailed out a debt validation letter on XX/XX/2021 as I am not aware of this debt at all. It has been over 45 days since the letter was sent out and I have not received a response. The letter was sent out certified and I saw that it was received. That said this account continues to hurt my score when it should not be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX turned my bill over to convergent outsourcing after I sent 13 emails and spoke to numerous people. Convergent has reported this six times to the credit bureau. Some were two to three days apart. They call prior to XXXX. They never sent me any notice. I am working with XXXX  to resolve this issue. XXXX has one total and the collection agency has another.

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 2021-12-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX A ) 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 non-monetary relief
Consumer complaint received 2021-12-27 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: AL

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
On XX/XX/2021 I entered into a loan agreement with my local Check Into Cash. On XX/XX/2021 I contacted Check Into Cash in writing ( via email ) and revoked my XXXX agreement. I also called the company to confirm that they received the email. I spoke with a representative that confirmed that the XXXX was revoked and the transaction would not go through my account. She stated that she was passing the information on to the branch immediately. In early XXXX I contacted the corporate office again to give a Cease and Desist order. I asked that only my personal cellphone number be contacted. I did not authorize calls to any other number on the account, including my business phone. 

Today, XX/XX/2021, over a month after my XXXX was revoked, Check Into Cash debited my account for the full balance owed. This left my account extremely negative, is causing other bills to bounce, and is costing me money in overdraft fees. In addition, the local branch as continued to call my business phone. 

This is a direct violation of the Electronic Fund Transfer Act, and UDAAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: JTM Capital Management, LLC
State: DC

Complaint narrative:
I have tried for months to contact JTM CAPITAL MANAGEMENT to no avail. I have written debt validation letters and have called the telephone numbers listed. If I lived in New York, which honestly I doubt this company is even based, I would visit. I can not understand how a company who no one can seem to reach, can repeatedly verify a debt. This company appears to be playing some kind of fraudulent scheme. No website wont answer the phone to even to settle the account. I can seems to get no help from the original creditor OR THIS FRADULENT COMPANY. you can't reach them, but they can reach credit bureaus to verify information. Honestly, I just to this settled ASAP!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-27 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: AL

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
We strongly believe that competitors, exes, XXXX XXXX as we are a minority-owned firm, and other troublemakers are filing false complaints/requests for investigation against our law firm company this leading to a spate of frivolous harassing investigations into our law firm company- we have filed federal complaints with the Office of Professional Responsibility and other agencies to investigate this - this is also evidenced by the fact that we have prevailed and won on each and every single credit charge back since they came in this year- please also be advised that charge backs increased during the Holiday season when desperate people are looking for extra cash to spend on their cards after they have already used and abused us for our stellar legal work- which desperation has been made worse by COVID-related unemployment and lack of cash/liquidity in our generally poor, criminal, immigrant clients ( we do immigration, criminal defense, and family law work ). Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XX/XX/2021. I have never had a account with Paypal and will never. I am reporting Identify Theft in my name.

Company response to consumer: Closed with non-monetary relief