vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX PNC BANK is trying to over charge me on my escrow account trying to raise it by {$2900.00} dollars so I want to take over paying my taxes and insurance myself and they agreed but are trying to charge me a escrow account closure fee of {$350.00} for closing it my mortgage was bought out by them from XXXX XXXX mortgage who bought it from XXXX mortgage company and it is not in my contract that I have to pay to cancel the free service I filed a complaint with them and have not heard from them as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC.
State: CA

Complaint narrative:
This is a continuation of my prior complaint : Complaint ID XXXX I received additional documentation for what seems to be a new lawsuit and debt for which they are ostensibly trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NV

Complaint narrative:
a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/23 I made a deposit in the amount of {$1300.00} to get the atm at my bank PNC on the corner of XXXX  and XXXX in XXXX Arizona. 
I fed the dollars into the machine and it proceeded to count it. Without processing my transaction it rejected {$100.00} dollars then returned my card without a receipt or visual explanation as to what happened to the remainder of my money. 
I went inside and spoke to the teller about the issue and the money was returned to my account within three days. 
As of XX/XX/23 the money was deducted from my account and when I spoke with someone about the matter I was told the atm was not found to have extra cash in it. Video from the day in question should prove I put the money in but I was given no further explanation as to why my claim was Denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
company being used now are LOCKHART, MORRIS & MONT. Different companies are being made in attempt to fraudulently collect debt using my personal information associated with Tennessee XXXX XXXX. More evidence can be found in my previous complaint. The item is also being reported with a false address. I've never lived at that address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Network Recovery Inc
State: CA

Complaint narrative:
My account with the bank was overdrawn, how? Do not know because my pay was directly deposited by weekly. After, I was XXXX I was told that my account was overdrawnat that time I called the bank ( XXXX XXXX ) right away. I told then it wasnt me as Im no longer in the country and to put a fraud alert on the account. and requested a copy of a reconcile statement. It was never done nevertheless, I thought the matter was over my federal and stimulus check was never received because it went directly to the bank account. years later I get to find out I have 2 collection account. ; ; I believe someone committed fraud against my name, and the bank did nothing to resolve that I did not receive the reconcile statement had no idea my account was placed for collections.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america claims I cashed a secured credit card check 2 years ago I did not. 

It is a fraud and no one at bank of america will help me

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 2023-07-05 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-07-05 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: V and H Portfolio
State: AZ

Complaint narrative:
I have paid off a collection account with Vance & Huffman in 2021. When I paid the account, the rep said the information would be removed from my credit report. At this time it is still on my report. It also shows an open date of XX/XX/ 2021. That is simply the date Vance & Huffman bought the account. The actual age of the account is several years before that. Since the information is incorrect, I would like Vance & Huffman to remove the information from all 3 credit agencies as they said they would do when I paid it originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial
State: CA

Complaint narrative:
My loan/account with creditor, Spotloan, was 30 days past due on XX/XX/2023, as a result of XXXX  XXXX and financial hardship ( evidence of XXXX can be provided upon request ). I attempted to log into my account on XX/XX/2023 and was unable to. 
On XX/XX/2023, I attempted to log into my account again. I was unable to log-in for a second time ; therefore, I contacted the creditor, Spotloan, to resolve the issue and gain access to my account ( Exhibit 1 ). 
On XX/XX/2023, Spotloan, responded to my request from the day prior, stating the following ( Exhibit 2 ) : " We regret to inform you that your online access option is unavailable due to the delinquency of your Spotloan account. 

You may call to make a one-time debit card payment or go over other payment options by contacting us at XXXX ( XXXX ) XXXX. 

Once you make a payment, you will have the option to log into your Spotloan account again. Be aware that interest on returned payment ( s ) accrues on a daily basis and missing a payment can get expensive fast '' As a result of the delinquent payment, the creditor, Spotloan, has revoked access to my online account. In addition, Spotloan, does not provide mailed statements. I am unable to view my account information, payment dates, past due balance or total pay-off amount. 
As the issues I am experiencing, as a result of XXXX XXXX, continue to improve I am working on reducing my debt and would like to start by paying off high interest loans/accounts, such as my loan with creditor, Spotloan. However, Spotloan 's revocation of my account access has made it so that I am unable to view any information regarding my account in order to appropriately plan repayment. 

A signed summary of this request is attached as Exhibit 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: MD

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is Syncrony bank and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
My daughter got this card for her XXXX birthday and someone used it in California at a XXXX and a XXXX. When I called the company they wanted me to provide them with the receipt of the purchase of the card and I had explained to them that I didnt know who got my kids the card and I shouldnt have to call everyone to find out who got them the card, XXXX of my kids got one. I also provided proof that I live in Ohio and the card was being used in California. This company refused to make things right and are very rude about it. What I dont understand is if this is a gift card its a gift and I shouldnt have to ask for a receipt. I was also on hold for an hour and a half waiting for manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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:
I FILED A DEPUTE WITH EQUIFAX AND THERE DID NOT CONTACT THE COMPANIES THAT I DEPUTED. EQUIFAX SEND MY THE RESULS OF THE INVESTIGATION AND IT SAYS THAT THE RESULTS ARE FACTUAL. I CONTACTED THE DIFFERENT COMPANIES AND THEY ALL TOLD ME THAT I HAD NO ACCOUNT WITH THEM NOR MY SIGNATURE ASKING FOR CREDIT FOR THEIR COMPANIES.I AM STILL ON THE LINE WITH THEM AT THIS EVERY MOMENT TRYING TO GET THIS INFORMATION TAKEN CARE OF. XXXX -- -ID -- XXXX. SUPERVISOR XXXX -- -ID -- XXXX XXXX IS THE SUPERVISOR AND XXXX IS REFUSE TO CONNECT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I purchased equipment through XXXX XXXX and financed through Fortiva. They upgraded my account to a XXXX XXXX without my permission. They said they sent an email where I was to opt out before some date in XXXX. It went to the Junk file. They moved my balance to this XXXX card. This is predatory. I did not want nor approve this card. No one should get an upgrade like this. Plus, my payment history disappeared. Totally inappropriate. I feel my age was a factor in thinking they could get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation