vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: NV

Complaint narrative:
On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) XXXX XXXX/XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CITCARDS CBNA # 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 2021-01-14 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) FROTIVA MC/XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # 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 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global Solutions is calling me 6-7 times a day for a debt with an old bank credit card. I have not had a job due to surgeries and overall health issues. I tell them every time they call and they use abusive language and continue to harass me daily. I told them I plan on making payments when Im financially stable but they continue to harass me. When I try to talk to them they are rude and wont take no for an answer. It started off with them calling me maybe twice a day for the last year or two. And up to this day XXXX they call me 5-7 times in one day using different phone numbers even when I ask them to stop.

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 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My wife and I started a new home loan with Quicken Loans mid summer of XXXX.The loan was for a home being built over a six month build. Due to issues related to coved we received assistance on the beginning of our new loan. Our new loan required PMI because it was financed 89 %. We sold our old home quickly and immediately removed the forbearance from our loan. Quicken required we pay two months payments before paying down the mortgage from an LTV of 89 % to an LTV of 33.66 %. This dramatic paydown is called a recast. Our loan states PMI will automatically be removed once the mortgage is paid down below ATV of 80 % .They say I am required to pay PMI for one year after forbearance due to missed payments allowed from the cares act. I am being unfairly penalized for something that was NOT suppose to affect my standing from our lender!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX  -I WAS NEVER LATE ON THIS ACCOUNT AND ITS REPORTING INACCURATE THE COMPANY IS REPORTING 3X LATE THE BUREAU IS REPORTING 30 DAYS LATE.PLEASE REFERENCE FILE # XXXX IS REPORTING CURRENT PAID AS AGREED.ACCORDING TO FCRA THIS IS A VIOLATION.THIS NEEDS TO BE REMOVED.I 'VE CONTACTED XXXX NUMEROUS OF TIMES AND SENT IN AFFADAVITS THEY REFUSE TO INVESTIGATE. THEY ALWAYS SAY VERIFIED, ACCURATE BUT NEVER PROVIDE ME PROOF. 
XXXX XXXX XXXX, LVNV FUNDING, XXXX XXXX THESE ACCOUNTS ARE CLOSED ENDED ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, HAVE NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS VIOLATION THESE THINGS SHOULD BE REMOVED IMMEDIATELY! 
DATE LAST ACTIVE, DATE OF LAST PAYMENT ALL THIS IS INACCURATE AND AFFECTS YOUR CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was in the process of buying a house. I received a fraudulent email with wiring instructions from what appeared to the closing company. The day before the closing, I went to my bank XXXX XXXX to wire the funds to the account provided. The account was a Bank of America account. The funds were sent to the account provided but the name that was sent in the wire was not the same as it was requested in the wiring instructions. The next day ( about 24hours ) after the original wire transfer, I found out about the fraud and went to my local XXXX XXXX branch to open a case # XXXX and recall the funds from Bank of America. I opened a case with the local sheriff 's office ( case # XXXX ), and an XXXX complaint with the FBI. I called Bank of America and they refused to talk to me. BOA refuses to send the funds back. BOA is also refusing to cooperate with the local law enforcement on the case. The funds lost is a substantial amount over $ 21K. I am at the end of my rope as I feel that there is nowhere to turn as banks appear to have all the benefits and none of the responsibility to their customers and the law.

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 2021-01-14 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: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-14 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries and account be immediately deleted from the credit file that you maintain under my Social Security number.

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 2021-01-14 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries and account be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Call my place of employment, here is part of the message left on XX/XX/2021 : " Hello, this is Harrison Harris limited. We are debt collectors, please call us at XXXX. Our office is open Monday through Thursday from XXXX, XXXX  to XXXX XXXX  Central standard time Friday from XXXX XXXX  to XXXX XXXX  Central standard time and Saturday from XXXX XXXX  to XXXX XXXX  Central standard time. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXXXXXX XXXX  XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX, XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 
As proof of my identity, I have included ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
USAA Federal Savings Bank held a mortgage on property owned by my late father. I attempted to purchase the property from the estate, but the Satisfaction of Mortgage was defective, making title to the property uninsurable. I contacted USAA to correct the issue. USAA has refused to issue and record the correct Satisfaction of Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage services has been repeatedly calling my number trying to collect someone else 's debt. I've contacted the company multiple times and informed that I am not the person they're trying to contact and told them to stop contacting me. The representative always says okay and hangs up and I continue to get calls and voicemails with someone else 's private information left on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Both of my stimulus checks were sent to an account that isn't mine, and Chase bank told me there is nothing they can do. And the IRS isn't trying to to anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-14 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: NC

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
We built a new home in XXXX in XXXX XXXX, Minnesota. During the closing process we noticed that somehow the escrow got setup for us to pay the anticipated " full '' taxes for XXXX at {$4300.00}, or {$360.00} per mortgage payment. After closing we we told to make 1 payment then call to get the taxes and escrow payment adjusted. We made our XX/XX/XXXX payment. 
To preface the main issue, in Minnesota, per MN Statute the value used to XXXX property taxes for a certain year is based on the value of the property on XX/XX/XXXX of the previous year. So for XXXX taxes the value to base those taxes on is based on the value of the property on XX/XX/XXXX. For our property the value is based off of it being a vacant lot, proposed at {$23000.00}, with a homestead exclusion of {$9200.00} for a taxable value of {$13000.00} which makes the proposed taxes for XXXX {$210.00}. 
I called M & T bank in early XX/XX/XXXX to have them correct the XXXX taxes from the {$4300.00} to the {$210.00}. They opened a case up and told me that the case would take 5-10 business days to resolve. When I called back @ XX/XX/XXXX they said the case had been closed and the taxes they had at {$4300.00} were correct. I explained the situation again and asked the to open a new case as that was not correct. They opened a new case and I sent them a document I received from XXXX County with my proposed XXXX taxes listed at {$210.00}. 
On XX/XX/XXXX I called again to find out the resolution. Once again I was told by XXXX that they had the correct amount and that the case had been closed without changing my payment. At this point I was getting extremely frustrated and asked to speak with a supervisor. I went through the same process of explaining the situation and opened another case. She told me that they can't speak directly to the " research " department handling the case. She once again told me that it would be 5-10 days. 
I called on XX/XX/XXXX again and once again was told that everything was correct in their system. I once again opened a case and also uploaded to them a letter from the XXXX County assessor, XXXX XXXX, who I had talked to about this XXXX tax issue. 
Once again I called on XX/XX/XXXX and spoke to a XXXX who informed me of the same closed case. I asked to speak with a supervisor and was told none were available but would call me back in 24-48 hours. I again opened a case and subsequently never did receive a phone call from a supervisor. 
XX/XX/XXXX, I called and spoke to a supervisor XXXX who informed me of the same closed case scenario. She though went one step further and actually called XXXX XXXX in a conference call with me. XXXX confirmed the proposed XXXX tax amount, based off of the undeveloped lot as of XX/XX/XXXX. She opened another case .... 
That is where we are at today, XX/XX/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 monetary relief
Consumer complaint received 2021-01-14 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

Company response to consumer: Closed with non-monetary relief