vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services sent a letter to my address dated XX/XX/2022. I have no relationship with this company and I have not given them my personal information. Pursuant to 15 USC 1692j, Credit Collection Collection Services may not furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The debt collection letter they mailed me says they are collection a debt for XXXX but the address on the letter is Credit Collection Services letter and they are asking me to send them money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
This Auto loan company showed up on my report and I asked both XXXX  and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My identity was stolen in XX/XX/XXXX. I recieved an email from M & T bank about a new account being opened. I called them to have the account closed on XX/XX/XXXX. They told me the account would be closed. I recieved an email from them again on XX/XX/XXXX. I called them again to close the account they told me I called them and asked them to reopen the account. I told them I did not and that it was a fraudulent account and I want the account closed. On XX/XX/XXXX I received a statement email from them I called back to demand the account be closed. They told me the account would be closed. On XX/XX/XXXX I received another statement email from them. I called to have the account closed again. They told me it would be closed by end of business that day. On XXXX I received another statement email. The bank account is still not closed. This is a fraudulent account that I did not open. It's not even opened in my legal name. The account is opened under XXXX XXXX XXXX and my legal name is XXXX XXXX XXXX. I told them when I spoke to them in XXXX if the account wasn't closed I was filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: RI

Complaint narrative:
In XX/XX/XXXX, I purchased a new XXXX XXXX at XXXX XXXX in XXXX. At the time, I purchased the following add-ons : Premium Maintenance ( {$1400.00} ), Tire and Wheel ( {$690.00} ), and Protection Plus ( {$190.00} ) under Deal # XXXX. I was not entirely satisfied with the vehicle and subsequently traded it in this year ( XXXX ). During the trade in, the loan was paid off and the vehicle was surrendered to the XXXX dealership. I have provided ( twice ) the supporting documentation that was requested to get a pro rata refund for the add on products ( first contact on XX/XX/XXXX ) and have not heard so much as " we're working on it '' despite following up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am asking for your help in trying to determine how the {$80000.00} was tagged on to this mortgage. I filed bankruptcy in XXXX and was unable to pay my mtge for one year I believe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since then, I have had this mortgage bought out by several different firms and transferred without any choice of my own. I have asked each company for an explanation of this additional {$80000.00}. How can they tag on {$80000.00} FOR ONE YEAR OF NO PAYMENT???? Can you tell me who I can seek help from on this? Someone who will investigate where this occurred and why and explain to me how this can happen to a XXXX  citizen in Florida and where do they go for help. I am hearing so much mortgage fraud and wonder if I am a victim. I would appreciate any help you can give me, my husband is XXXX on social security and I am still working at XXXX so we can make ends meet and we want to be able to live on a fixed income. Our home is our only asset having lived in this house for over 35 years, and this mortgage balance seems to never go down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
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 I am attaching my identity theft report to prove it!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED.
 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid off my Best Buy card.I realized there was a reoccurring charge of {$20.00} continuously being added to the card every month Ive called ( on phone long hours ) citicard l, Ive called Best Buy several times they said they would remove it continues to show up. I dont know what its for theyre saying its for XXXX XXXX subscription for a tv, but I never signed up for anything. I was told its been there every month since i purchased the tv. Again I didn't signup for anything, I have asked to please remove, they continue to add it and now late fees, its now affecting my credit score. They both are now giving me the run around saying its the other entity ( citicard or bestbuy ) responsible to remove it. This is impacting my credit negatively and i feel abused by them. It went from XXXX balance to XXXX {$80.00} this is fraud and i will not continue to pay for something I didn't authorize or buy. And it seems like i have been paying for this for over two yrs now unknowingly. I closed the acct and they are still upping the bill and now harassing calls for payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
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  I am attaching my identity theft report to prove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened an account in XXXX with Truist bank, using a {$500.00} promotional code. 

If i were to deposit {$1000.00} and make 2 qualifying {$1000.00} deposits in 90 days I am to receive {$500.00} bonus in my account. 

I deposited {$1500.00} initially and set up a monthly direct deposit of {$1500.00} a month, which deposited three consecutive months in a row. 

I fulfilled all criteria to receive my bonus and even told Truist they neglected to pay me, they haven't taken care of it. 

Yet another bank that has to lie to get customers ... How many babies will commit fraud before you fine them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I signed up for a XXXX 'hotspot ' for my business. After a few months I attempted to cancel the service ; however, despite confirmation via phone, the service was not cancelled and I continued to receive bills. Then, via XXXX 's chat feature online, I cancelled again. This time the service was cancelled ; however, I continued to receive bills. I contacted XXXX again via chat to confirm there was no outstanding balance and that the account was closed. This was confirmed, but I continued to receive bills. Finally, I received a letter from a collections agency ( Convergent ) attempting to collect the alleged outstanding balance. I contacted XXXX XXXX more times and they confirmed the debt was not correct ; however, I continue to receive bills. I contacted Convergent and forwarded them my correspondence with XXXX to prove I don't owe anything, but they never responded. Please help me resolve this. Thank 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 explanation
Consumer complaint received 2022-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i am a victim of identity theft/databreach see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
ACCOUNT NUMBER : ( Original Creditor : ) ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  ACCOUNT NAME : XXXX ACCOUNT NUMBER : NATLCRSYS ACCOUNT NAME : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NC

Complaint narrative:
A request was sent to Equifax and XXXX on XX/XX/22 and XX/XX/22 for an collection account in the amount of XXXX $ for account # XXXX. With doing so I requested copies of the original contracts due to illegal collection and fees not agreed to signed by either merchant or myself. These request made is asking for signed contracts not for these credit agencies to continue updating this collection on my credit profile. This account still remain on both Equifax and XXXX credit file and have not been fully validated as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
K I did apply card but never used someone else did and now I owe it's not mine stolen or taken and used want removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Federal Loans, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: MS

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: MS

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I spoke with Toyota Financial on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I spoke with XXXX XXXX on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, Experian and XXXX by XXXX, XXXX and 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 2022-06-14 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: FL

Complaint narrative:
I filed a CFPB complaint ( XXXX ). Equifax response was " FACTUAL RECORD OF FILE ACCESS '' for each inquiry I have disputed. I simply asked Equifax to send me the documents that they used to verify the accuracy of the disputed item ( s ). It's the business record ( the document ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s ). The company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit. 

I have attached again my letter to Equifax that was dated XX/XX/2022. As you can see in the highlighted areas i asked them to verify the accuracy of my inquiries and to give me a copy. 


Please help me to have Equifax to show me the documents that they used to verify these inquiries. If they fail to do so, i want these inquiry 's to be deleted from my credit report and be sent a new report to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Below inquiry do not belong to me. I have no accounts with Cross Country Mortgage  or XXXX XXXX. To the best of my knowledge the below companies did not have my authorization to pull my credit. 

XX/XX/2021 Institution Information : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : XXXX XXXX  No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation