vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: AR

Complaint narrative:
My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for 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 2021-09-02 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: AR

Complaint narrative:
My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I talked to the company and explained to them I was going through a hardship at the time and thats why I made a late payment one time only and it was XX/XX/2018 on my Discount Tire card by Synchrony Bank. I have never been late before. And they said they will remove the late payment since it was only one time. And I see the late payment still on my credit

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
During COVID both my husband and myself were not working. Under the government protection mortgages were allowed to be deferred and placed on the back end without interest. Sps servicing contacted us continually and informed us there was no problem and we were on the deferrement. Recently yesterday we received a phone call stating we needed to sign modification papers. I questioned why a modification this is supposed to be a defferment. They stated that it took a year to qualify for deferment all the time their company we were fine. Now they are trying to force us to sign a modification which is not the protection the government put in place. We requested phone conversations to be pulled if their associates and they stated it doesnt matter they were behind in their decisions. Seriously. They sstqte one thing and then try to force people into extra interest etc. any assistance with this horrible company would be greatly appreciated as this company has down nothing but lie and scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA IS CHARGING MY ACCOUNT TWICE FOR LATE FEES AND INTEREST. I AM TRYING TO DO A DEBT SETTLEMENT. I AM 6 MONTHS PAST DUE. I HAVE NOT MADE A PAYMENT SINCE XX/XX/2021. HOWEVER THEY HAVE IT BEING 2 MONTHS PAST DUE. DOUBLE CHARGING ME FOR INTEREST LATE FEES, THEY ARE TELLING ME THAT THERE IS NOTHING THEY CAN DO TILL IT'S SIX MONTHS PAST DUE. THIS IS A CLEAR VIOLATION OF FDCPA. I WILL GET A LAWYER. I HAVE BEEN TRYINGTO CALL XXXX XXXX AT XXXX FOR BANK OF AMERICA. HE WILL NOT CALL ME BACK. I AM TYRING TO DO A DEBT SETTLEMENT

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I contacted PRA to determine why the amount is listed as XXXX, when what is owed is XXXX. Prior to closing the account payments were made to catch up the amount. After hiring XXXX XXXX XXXX, I was notified that the amount was decreased due to those payments made when I was undergoing my payment arrangement with XXXX XXXX XXXX. 

When you log into their site it only gives you the amount of XXXX to settle at 25 % for {$220.00}, which is incorrect due to the payments of $ XXXX {$55.00} that was paid during my arrangement with the XXXX representative prior to the account closing. 

PRA is still reporting that owe more than what I am supposed to pay. If the disputed amount can not be corrected by PRA then this should be removed from my credit report until they can get the correct information from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: MA

Complaint narrative:
In XXXX of 2021, we received notification of a 30 day late payment to holiday inn. We disputed the late payment and confirmed with holiday inn that our account was in good standing ( see attached ). The dispute results returned, the 30 day late payment was removed for XXXX and applied to XXXX. The account is still not 30 days late. After speaking to XXXX XXXX, they said they were never made aware of a dispute, did not report a 30 day late payment and confirmed again that our account was in good standing. We submitted another dispute to experian and the dispute results came back as no change. XXXX XXXX once again confirmed that there was no late payment and that they never confirmed the inaccurate reporting. This is badly affecting my credit and has been an issue now, with no resolution for 3 months.

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 2021-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My Ex-wife, XXXX XXXX XXXX ( XXXX XXXX ) took out a student loan in XXXX to attend college during our marriage. I co-signed for that loan with Wells Fargo XXXX XXXX XXXX. In XXXX we divorced, and as part of that divorce decree she was to assume 100 % of her student debt. She has no paid the debt and let it lapse. Wells Fargo continued to harrass me for years even after I told them I am no longer legally obligated. The debt has since been charged off and the credit bureaus cant remove it. I have asked Wells Fargo to take my name off of it but they refuse to.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
Approved Trial Plan Agreement by mail dated XX/XX/2021, 1st payment due XX/XX/2021 amount {$830.00}. Received letter dated XX/XX/2021 Notice Of Default And Intent To Accelerate stating I am in default of my mortgage. Contacted Flagstar customer service XX/XX/2021 to discuss mail received I was informed by XXXX ID # XXXX Flagstar customer service my mortgage servicer XXXX XXXX sent the notice in error, I asked for a supervisor she ask me to hold and the call was disconnected. I call back and spoke with XXXX XXXX Flagstar customer service told him about the letters received and he said you are in default we sent the letter and I would continue to receive letters of default even though I am in a modification Trial. Again I ask for a supervisor and I was left on hold. 
Flagstar customer service is rude and unconcerned. They refuse to assist the customer with keeping their homes out of foreclosure

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 2021-09-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX  rejected a {$75.00} enrollment fee, which I attempted to pay. Then, without any notification from them, they closed my account, continued charging late fees for 2 months and reported me as late payment, tremendously impacting my credit. I had never used the card, and was immediately hammered by this company because they don't communicate, and I believe this issue should be dealt with, along with removing the late statuses from my credit.

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 2021-09-02 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: Ascendium Education Group
State: MD

Complaint narrative:
I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from ASCENDIUM EDUCATION XXXX that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks

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 2021-09-02 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: NC

Complaint narrative:
I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a new account with citi on XXXX. Its been over a year and I have yet to receive the terms advertised/offered. ( XXXX bonus miles ) An investigation has been opened on XXXX and STILL no solution. Case # XXXX. Prior to case being opened Ive talked to XXXX Agent ID XXXX @ XXXX who said everything looked great and I should be rewarded soon for my new account. Estimated 60 days Months past and nothing. On XX/XX/XXXX I spoke to XXXX @ XXXX who transferred me to XXXX in the credit card department and he transferred me to XXXX in customer. Now theyre giving me the run around. Super frustrating. Today XX/XX/XXXX supervisor decided to end the call instead of coming up with a solution. Ive been hung up on now about 4 times.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I spoke with two agents of chexsystems today at telephone number XXXX XX/XX/2021 and informed them that I wanted any information they had about me suppressed, they informed me XXXX XXXX id # XXXX and then the supervisor XXXX id # XXXX ( both located at a call center in XXXX ) that all they could do was opt me out from pre screened offers or place a security freeze on my account. I informed them that neither was sufficient. I have relayed the facts that I am personally uncomfortable with them having my personal information as well as sharing it, it's a matter of personal privacy. In 15 use 1681 ( a ) ( 4 ), it states that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and a respect for the consumers right to privacy '' Chexsystems has told me that they violate my privacy on a continuous basis and will continue to do so without my permission.

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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2021-09-02 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
I recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
I recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used 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 explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
My credit report alerted me to a collection that was added to my credit report in the amount of {$670.00}. bought from an original creditor, XXXX XXXX XXXX. This was a corporate account that has been inactive and dissolved since XXXX. I am NOT responsible for this debt. The collection agency has reported it as a new collection with original open date of XX/XX/XXXX. I have demanded that they provide me paper work to prove that I owe this debt, and the dates that correspond, and correct their error immediately. and still have no response. I have made a formal complaint with the XXXX, as well as, active disputes on my credit reports. This has affected my stellar credit rating, and has caused me a hardship in regards to interest rates on my existing cards, and refinancing my house. My father has been diagnosed with XXXX XXXX XXXX, and I find it despicable that this company can provide false and inaccurate information, causing tax paying consumers hardships, and during a pandemic to boot!. I demand that this collection account be removed from my credit report immediately. I fully intend to press forward and hold them accountable for any hardship that have caused now and in the future. This company has a history of complaints, and should NOT be allowed to continue to defraud the consumer and not be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation