vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TX

Complaint narrative:
I have a fake inquiry on my report and I've contacted both the burea and company who did the inquiry and was told it was removed but it was somehow placed back on my report. Also there's items incorrectly reporting on my credit that aren't mines they were from a divorce they were removed from my report then somehow added back on, is there any way possible to look into this and see why these items were removed then somehow added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a victim of Identity theft. I contacted all XXXX bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the XXXX office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies XXXX xs and have not gotten any relief or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had a credit card go into collections. The company handling it is XXXX. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Dear CFPB, I started struggling to pay my mortgage in XX/XX/XXXX. PHH Mortgage offered me an initial payment deferment/loan modification for 11 months in exchange of one monthly payment of {$1000.00}. Please see attachments. The paperwork and process took so long due to language barriers ( I only speak XXXX ) and lack of servicing options that another month went by and another payment became due. PHH Mortgage knew I was now 12 months behind and could only make one payment. That one payment made on XX/XX/XXXX to process the modification was supposed to be applied to the upcoming month of " XX/XX/XXXX '' but PHH posted the payment as a XX/XX/XXXX payment. Therefore, my loan was never brought current as a result of the first modification. Additionally, my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX, and my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX. Mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX have not been paid due to another financial hardship due my wife 's health. I am XXXX and my wife was helping with household expenses pre-COVID, like groceries and utilities, but since XXXX  she has not been able to and the little help from family stopped. We know that starting in XX/XX/XXXX we will be able to get back on our feet and we can start paying our home on time. I just need help getting the loan caught up and any late fees removed. 
I have sent A Request for Mortgage Assistance Application to PHH and am also seeking your help. Their documents are confusing and I am afraid of losing my home. This situation is very stressful, I have to rely on others to help me due to language barrier. I will appreciate whatever help you can extend to move this along to bring my loan current. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Two debt validation letters were sent to the company Credit Collection Services. located at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX. The letters were sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: IL

Complaint narrative:
My credit card was stolen and used to make the below purchases ( date / amount / store ). As soon as I realized the card was stolen, I contacted Chase to cancel my credit card and get refunded for the fraudulent transactions. After " reviewing '' the situation, Chase claimed that the transactions were not in fact fraudulent without any rationale. 

XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must be removed

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 2021-11-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I missed a payment in XXXX due to my mother suddenly passing away from XXXX she was giving months to live but then that changed to weeks & I wasn't aware of my payment status cause I was dealing with my sick mother and when I decided to call fortiva retail to make a payment I was only 33 days late & I explained my situation & every receptionist acts like they don't know what I'm talking about & can't help me out to where I get info to write a Goodwill letter, I've been a good customer with fortiva retail credit & plan on still using them if we can get this issue resolved by the proper department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: OneMain Finance Corporation
State: GA

Complaint narrative:
One Main Finacial is not reporting my accounts correctly, I have spoken with them about the matter and it still has not been corrected!!!, This issue is that I have 2 accounts with them, they are reporting both accounts to XXXX, but reporting only 1 account to each of the other credit bureaus XXXX and XXXX. Since this matter I have paid one of the accounts out completely. And one of the accounts has not reported since XXXX of this year causing my credit score to not be as high as it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a fake inquiry on my report and I've contacted both the burea and company who did the inquiry and was told it was removed but it was somehow placed back on my report. Also there's items incorrectly reporting on my credit that aren't mines they were from a divorce they were removed from my report then somehow added back on, is there any way possible to look into this and see why these items were removed then somehow added back to 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 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against 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 2021-11-15 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: FL

Complaint narrative:
I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/ SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/1988 SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

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 2021-11-14 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: DC

Complaint narrative:
Experian is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must be 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 2021-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
MY CAR XXXX XXXX XXXX XXXX XXXX WAS PICKED UP AT MY HOME AT XXXX XXXX XXXX XXXX  XXXX MARYLAND ON XX/XX/XXXX. I NEVER RECEIVED ANY LETTER INFORMING ME ABOUT A REPOSSESSION. I WAS TOTALLY SURPRISED! WHY? BECAUSE, I HAD COMPLAINED TO MR XXXX XXXX THE DIRECTOR AND OTHER STAFF MEMBERS SEVERAL TIMES ABOUT MY PAYMENTS MISSING IN THEIR SYSTEM. FURTHER TO THAT I HAD SUBMITTED A COMPLAIN TO CHRYSLER CAPITAL SEVERAL TIMES ABOUT THE UNPROFESSIONAL MANNER IN WHICH THEY HANDLE MY PAYMENTS. CURRENTLY I WORK IN WASHINGTON DC AND LIVE IN XXXX MARYLAND WHICH IS OVER AN HOUR AWAY. AS A RESULT OF THE REPOSSESSION OF MY CAR I WILL BE UNABLE TO GO TO WORK RIGHT NOW. THEY HAVE ALSO SET A DATE TO SELL MY CAR AS XX/XX/XXXX. KINDLY INTERVENE SO I CAN MAKE PART PAYMENTS TO COLLECT MY CAR, CONTINUE MY JOB AND TRY TO UPDATE MY PAYMENTS. I HAVE ALSO RECENTLY GOT A WEEKEND JOB WITH XXXX XXXX ALL IN A BID TO PAY OFF MY BILLS. I FEEL THAT I HAVE BEEN TREATED UNFAIRLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against Rocket Mortgage / Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One is reporting a paid account as a collection/Charged Off to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I never Received notification letter or mail from this company, PRESSLER Felt & Warsaw LLP About their actions however I just received a Letter stating they are representing XXXX XXXX.In there brief letter never stating what year this took place. I have no knowledge of this account DC # 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 2021-11-14 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: IL

Complaint narrative:
I have checked my credit report and have been involved in some type of fraud. I have credit inquiries that are being reported to my credit bureaus that I did not authorize. Most of the credit inquiries date are the same. Some of the dates are old and some new but I did not authorize these companies to run my report and I would like these items 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 2021-11-15 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: FL

Complaint narrative:
I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against 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 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am an XXXX  who files legal documents through an electronic portal called the XXXX  XXXX XXXX. If a fee is associated with a filing, then I pay that fee through the portal by a withdrawal from my professional checking account at Chase Bank. Recently, the portal informed me that it would be using a new payment processor and that I should confirm with Chase Bank that no " debit blocks '' were associated with my professional checking account. 

On XX/XX/XXXX, I entered the Chase Bank situated at XXXX XXXX XXXX XXXX in XXXX, Florida, to discuss the foregoing. However, the employees at that bank refused to discuss the matter with me and informed me that I must make an appointment for a later date to discuss the matter. 

Since I first opened an account at Chase Bank two years ago, the bank has become much less accommodating to depositors. An employee of Chase recently informed me that Chase has decided to focus on commercial transactions which I interpreted as commercial transactions of " large value ''.

Company response to consumer: Closed with explanation