vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 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: CA

Complaint narrative:
Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have multiple accounts under my social security that I did not create. I believe my dad opened these accounts. I had no knowledge of these accounts being opened and used. I also have multiple lines of credit under my name that need to be disputed with each bank not just the discover one listed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
The Costco Anywhere Visa Card only allows redemptions of cash back rewards in store. This is very difficult during the COVID pandemic. They should allow an option to have the rewards credited to the account or to provide a gift card to Costco, for example. It should not be a requirement to physically go to a Costco to redeem, this puts peoples ' lives in danger in the current environment.

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 2021-08-22 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: EQUIFAX, INC.
State: OK

Complaint narrative:
EQUIFAXS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to EQUIFAX. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
Hello, My loans were transferred over to Fedloan ( a process that took more than 8 months ). 
Regardless, the wualifying payments on my account are inaccurate. Currently XXXX payments are listed as nonqualifying, most are listed as late payments. These " late payments '' were paid on time to my last student lam servicer, so it is obvious that there is an administratove error. 
I would live some assistance getting this issue resolved. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is still reporting negative information on my credit report that is affecting my credit adversely. For example, they are still reporting XXXX XXXX XXXX as a negative account. The account is over 7 years old and a violation of my consumer rights. It should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I received a notice from my XXXX account about a collection being reported to my credit report on XX/XX/XXXX. I attempted to contact the company, Paragon Revenue Group, on XX/XX/XXXX, as I had received no notification about this debt. I called the number listed for the company on the XXXX collections notice, because I did not have any paperwork from this company about a debt. The person I spoke to immediately asked for my social security security number, when I refused to supply it she got hostile. I attempted to call back and speak to someone else. Second rep asked for my social security number again, when I refused to give it to her she asked for my account number. I explained I do not have an account number because I had not received any information about this debt. She then hung up. I called back asked for a manager, I was put on hold and hung up on again. I filed a XXXX  complaint. Through the complaint the company 's response was that I would receive formal notice of the collect attempt. Since XX/XX/XXXX, this company has filed 2 notices of non-payment, and 2 notices of account in collections to my XXXX credit report. The original amount listed on my credit report for the debt was {$150.00}, now it is {$300.00}. I still have not received any formal notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Debt does not belong to me Received an offer letter to pay 45 % ( {$440.00} ) of total amount of {$980.00} to cease collection activity and the remaining balance with be held with 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 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
I never received any mail or calls regarding these 2 medical collections. Same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Credit card. XXXX sold me the wrong laptop and then the keyboard never worked since the purchase. Tried to exchange with no luck.

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 2021-08-22 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: KY

Complaint narrative:
I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: NY

Complaint narrative:
I've contacted Equifax more than 5 times to fix a problem with my Credit Report. The Credit Report are showing information for another person. There are combined information on the credit report such as the other 's person mortgage information, credit card information and personal information. Equifax told me to submit my personal documents to get it fixed and after almost a month, the problem hasn't been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank has lowered the credit to all my accounts for no reason. I recently paid off several other accounts, so Im not understanding why they consider me high risk or too many high balances when they are the ones making it higher, when I owe less than half of the amount. Care credit card, XXXX XXXX card. Car care card all within the last few months. I have NEVER been late on any payments with any of these accounts. It is unfair how people work and pay their bills ONTIME and some actually lump sums. I understand that were still in a pandemic but this is unfair practices and treatment of a long time customer.

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 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
About a year ago I asked PayPal to cancel my account and delete all my information. To this day I get emails about my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NY

Complaint narrative:
I just made a complaint with XXXX via XXXX  and CFPB last month, and Now they have sold the debit to another collection agency, after knowing the debit is not owed to me. At this point XXXX  is in violation of law XXXX. XXXX has sold the debit to " Credit Control , LLC '', who has been sending letters of owed debit to me in the amount of {$4700.00}. I would like for XXXX  to have this company to stop harassing me, and to cease all communication with me about this debit that I DO NOT OWE.

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 2021-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-08-22 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: AMERICAN PACIFIC MORTGAGE
State: HI

Complaint narrative:
We took forbearance with American Pacific Mortgage in accordance with the CARES act. As such, the loan should NOT have been reported as delinquent to the credit bureaus. I have spoken with American Pacific Mortgage and they said that they never reported it as delinquent but all three credit bureaus say other wise. The loan has since been sold to 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 2021-08-22 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: MO

Complaint narrative:
Dear CFPB, I have been in constant contact with TransUnion for the issue of unauthorized inquiries since XX/XX/2021 up to now ( XX/XX/2021 ). I have been asking TransUnion to delete the following inquiries and to send an updated and corrected credit report to my address. 

As you can see there are numerous and countless letters that I have sent to TransUnion and the only reply I get is that of Inquiries are a factual record and therefore can not be removed. These unauthorized inquiries are really hurting my chances to get a refinance loan at a great rate and are really detrimental to my credit scores. 

I hope that your office can change TransUnions mind and steer them to removing these unauthorized inquiries. Is it not a violation to report inaccurate, incorrect, incomplete and erroneous information once you have been informed to the fact that this information is wrong? 


Thank you, 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 2021-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp
State: TN

Complaint narrative:
I went to www.lendingclub.com for a consumer credit transaction.

Lending club denied my credit application & sent an adverse action.

Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer.

Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when LENDING CLUB was DISCRIMINATING.

LENDING CLUB is also committed fraud by denying my credit application for the extension of credit.

This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to 15 USC 1602 ( f ) credit means the right granted.

15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card.

EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41.

LENDING CLUB showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

LENDING CLUB Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection.

LENDING CLUB denied my credit application thats an UNAUTHORIZED ACCES DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: R.A.Rogers, Inc.
State: NM

Complaint narrative:
I have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, XXXX  is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, Equifax is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have paid my taxes and my servicing company Shellpoint has forced placed an escrow account to my payment. When they paid the taxes I sent the money back to them in XXXX of this year after explaining I pay my own taxes. They have misapplied the payment and have yet to rectify the situation since XXXX of last year. My payment has increased from {$1800.00} to XXXX. This is unethical and been a frustrating experience with this servicing company. I have been trying to refinance since XXXX and this has held the process up. I have been negatively impacted by Shellpoint negligence and failure to correct their mistakes timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: CA

Complaint narrative:
There is a service called JPAY for sending commissary money and messages to XXXX. They charge {$9.00} for each money transfer by credit card. They also charge a fee to send an email to a XXXX. These exorbitant fees are just plain greedy exploitation of XXXX  's families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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:
I contacted Equifax explaining that someone has taken my identity and has been attempting to open accounts in my name. I did not do this & have no knowledge who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been paying Experian {$27.00} per month for credit monitoring. This service includes being able to see reports from all three credit bureaus. Since XX/XX/2021 there has been an error on my account and my reports from Transunion and Equifax will not show or update on my Experian credit monitoring service. I expressed the issue to Experian customer service multiple times and they had no resolution and have not refunded my account. The only thing they did was cancel my credit monitoring services so I am not charged again, and tell me to figure it out on my own because they have no explanation.

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