vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Used $ XXXX  HELOC to purchase home onXX/XX/XXXX. Flagstar Bank drew the full line to close the purchase, then on XX/XX/XXXX drew another $ XXXX  without notice and marked my account. Then onXX/XX/XXXX they reversed the second draw. This has made my refinance process a nightmare because i have to show that there were no draws on the HELOC in the past 12 months but they have refused to fix this error in their records of my account activity. I may not receive my refinance because of their error and unwillingness to fix 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 explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dispute and Appeal

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been paying my monthly payments on time but because of the covid-19 I couldn't finish pay it in the 12 months free of interest in XXXX I called the bank and they extend for 2 months more but my husband and I got XXXX  and we couldn't complete paying the amount. My credit amount was XXXX and I had 12 months to pay but in XX/XX/XXXX, my balance was still XXXX and the bank is charging me XXXX dollars only in interest. I don't have the money to pay all that, I spoke with the bank to see if They can charge interest only in the amount that I have XXXX because I haven't been working but I still made my payments on time but They want to charge interest on the total amount of XXXX because in the contract I signed it was explained about that.

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 2021-02-12 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report sinceXX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: The CBE Group, Inc.
State: WI

Complaint narrative:
Didnt sign any contracts to acounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I XXXX I agreed to a settlement with Equifax in the amount of {$1500.00} for their recent data breach. In XX/XX/XXXX I received a 1099 for tax year XXXX in the amount of {$6700.00} after not receiving any settlement proceeds whatsoever. As of todays date ( XX/XX/XXXX ), I still have not received any settlement proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITALONE Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: MN

Complaint narrative:
I am interested in refinancing my mortgage. I saw an ad for Lending Tree online and filled out a form to have some lenders reach out to me about the possibility of refinancing. I did not realize how many calls I would get or who Lending Tree would sell my information to. I will never do that again! I started getting around 20 calls a day and many were repeated throughout the day. 

My compliant is that I believe my information was also sold to fraudsters. After filling out the form, I started getting calls that the SSN administration had an officer of the law that needed to speak to me. Or that I was going to be arrested if I did not press 1 to speak to an officer of the law. 

I can't prove it, but, these calls came out of no where and were incessant after I filled out the form on Lending Tree. I believe Lending Tree sold my information to fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a large payment of {$760.00}. This payment went to the outstanding principal and interest as well as late fees as I was past due on the account/loan. This payment brought the account current. 

On XX/XX/XXXX, I made a payment of {$1000.00}. This payment went to the outstanding principal and interest as well as late fees as I missed a payment on XX/XX/XXXX. This payment brought the account current but was well in excess of what was owed. 

I was then charged a {$60.00} late fee for 'missing ' the next payment on XX/XX/XXXX even though on XX/XX/XXXX I had paid well in excess of what was owed which was enough to cover many future payments. 

On XX/XX/XXXX, I called to pay the loan off in full. I reviewed with a representative that there should not have been a {$60.00} late fee charge on the account because of the large payment on XX/XX/XXXX. After discussion, this representative agreed and the fee was removed. On this call, the payoff amount on XX/XX/XXXX was {$3000.00}. After the representative assured me the {$60.00} fee was going to be removed, it left a payoff balance of {$3000.00}. I paid this in full on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email letting me know about my next 'payment ' due XX/XX/XXXX. I emailed back explaining that I paid the loan in full. This is the response I received : XXXX Dear XXXX, Thank you for contacting Personify Financial. 

The payoff amount on XX/XX/XXXX was {$3000.00}. The {$3000.00} paid left a remaining {$60.00} that is required to be satisfied in order to close the loan. 

Please make payment arrangements for that amount. 

You can make a payment via the IVR option when you call or from your debit card by speaking with one of our friendly representatives or sending it by mail. A mailed payment may take up to 7 days for us to receive and process. 

Once we receive your check, we will apply it to your payment. If your payment is not sufficient to satisfy the required amount, you will be required to pay the remaining balance. If you decide to use this option, please mail your payment to the address shown below and include your loan number on the check. 

Personify Financial XXXX XXXX XXXX XXXX, TX XXXX _________________________________________________________ I want to hold this company accountable and start the process of creating a record of their fraudulent practices and giving me a false 'pay off ' amount and then continuing to try to collect a fee plus interest that was agreed would be removed - this was done on a call recorded by Personify Financial. I also recorded the call as it was a call to pay off in full the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OH

Complaint narrative:
There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX  XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in midXXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX  on XXXX ( report # XXXX ). According to my most recent XXXX  credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood is currently holding on to all funds in my account since XX/XX/21 and has blocked me from transferring to my account or another brokerage. I have sent multiple emails and received no assistance. My money is being held without my permission and I have no way of accessing my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm writing seeking your help about my dispute letters sent to all three bureaus on XX/XX/2020 regarding the inaccurate things on my credit report. As of today I have not heard anything about their investigation. I have been working on the front line battling Covid-19 for over a year now and you can't imagine how much stress I have been under with dealing with death after death of patients under my care. Being helpless and doing as much as I can and not being able to save them is the worst feeling. As soon as I was able to breath again I decided to pull my credit report and to my dismay I find all these inaccuracies.

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 2021-02-12 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Having a car loan with Golden1 Credit Union continues to be a bad experience. Because the experience was so bad, I paid off the loan on XX/XX/2021 after five or six payments. Terrible website you can't log into, not sending me statements, and customer service that didn't answer the phone was enough. 

Today is XX/XX/2021, and I paid off the loan on XXXX XXXX, yet they are still reporting to XXXX and XXXX that I have a loan. This is negatively affecting my credit score which is a problem as I am mortgage shopping and my FICO dropped below 800 for the first time in many years, and it is because of Golden1. 

Why can they not simply report the loan as paid off?

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
REQUESTED THE XXXX XXXX XXXX XXXX NEWSPAPER TO START HOME DELIVERY XXXX, XXXX. RECEIVED HOME DELIVERY OF THE PAPER UNTIL WE BECAME VERY DISSATISFIED WHITH THE PAPER 'S CONTENT AND IT'S HIGH COST. THE AGREEMENT WAS TO PAY IN ADVANCE FOR THE PAPER. LAST PAYMENT SENT WAS XX/XX/XXXX WHICH WAS TO COVER THE COST OF THE PAPER THRU XX/XX/XXXX. WE RECEIVED SEVERAL NOTICES THAT OUR SUBSCRIPTION WAS ABOUT TO EXPIRE SO WE LET IT EXPIRE. THE PAPER CONTINUED TO BE DELIVERED WITHOUT OUR PERMISSION OR PAYMENT FOR APPROXIMATELY 30 MORE DAYS. THEN WE GOT A NOTICE FROM A.R.M. 
XXXX XXXX, XXXX, CA, A DEBT COLLECTOR, DATED XX/XX/XXXX, SAYING WE WERE DELIQUENT FOR {$300.00}. WE FEEL A DISHONEST TACTIC HAS BEEN EMPLOYED BY THE XXXX XXXX XXXX XXXX BY DELIVERING AN UNASKED FOR PRODUCT AND THEN SENDING US A BILL FOR IT, AND THEN AN ATTEMPT TO TARNISH AND THREATEN OUR CREDIT SCORE BY SENDING A DEBT COLLECTOR AFTER US.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
RE : XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX keeps Refusing to delete old obsolete Addresses I pulled a copy of my annual credit report and saw that there are 7 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an address that I have never lived at. I believe this is identity thief. They are putting utilities in my name. 



Dear Representative, I pulled my credit report using annual credit report ( XXXX XXXX XXXX ) from all three of the credit reporting agencies. When I received my report from XXXX and XXXX I notified that they were not deleting my old addresses as I asked them to. They are continuing to report my old addresses in the file. I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but XXXX and XXXX is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. It is clear that XXXX and XXXX doesnt care about 100 % accuracy on my credit file. This is misleading my creditors and those third party that use the information in my consumer file. 

I am only asking that information on my credit report be 100 % honest and accurate which they have failed to fulfill. 

I look forward to your reply and assistance on this matter. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX/XXXX  XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in mid-XX/XX/XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XX/XX/XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #

Company response to consumer: Closed with non-monetary relief