vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: DISCOVER BANK
State: NY

Complaint narrative:
I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Recorded the following scam text from the following number XXXX You just sent XXXX a payment of {$10.00} USD. If you think you didn't make this transaction, Log in to PayPal '' XXXX XXXX XXXXXXXX '' PP-ID : XXXX This is a fraud and phishing scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC
State: WA

Complaint narrative:
Starting XX/XX/XXXX the number XXXX claiming to be XXXX called me regarding a matter from XX/XX/XXXX. When you first answer their recording states " You will be serviced legal paperwork in 72 hours '' When someone answered the phone the man kept saying that he was on the phone with the courts. They stated that I needed to speak with their supervisor because I was going to be sued. The Supervisor got on the phone and told me that I owed {$310.00} but if I paid that day on XX/XX/XXXX and that day only that they could drop the price to {$220.00}. I tried to explain that I needed to look into this claim and they pretty much made it seem like I only had two or three days to look into this without getting sued. They stated that they were XXXX and that they were working on behalf of XXXX XXXX XXXX or XXXX XXXX XXXX. I looked into this claim on XX/XX/XXXX and then received a phone call again from XXXX on XX/XX/XXXX wondering when I was going to pay because my account was in pre litigation with their office. They never offered to send me anything in the mail regarding the debt as I have not received anything from neither FCS or XXXX XXXX XXXX. When I spoke with the man on XX/XX/XXXX he was all over the place putting me on hold saying " Oh sorry I was on the line with the courts '' and then he finally got me to the supervisor where they stated they would look into my questioning as to why the other man kept stating he was on the line with the courts which made it seem like I was being sued right then and there. They never got back to me. I set up an arrangement I was not comfortable with because I felt like if I did not then I was going to be sued right away. I have attempted to call XXXX XXXX XXXX a few times and have left voicemails and have had no returned phone calls I called on XX/XX/XXXX and XX/XX/XXXX. So far they have not been able to prove this debt to me which also has my maiden name and I have not used that name in 6 years. Also when I asked about the debt they just kept saying it should be on your credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
We have a XXXX  XXXX XXXX XXXX that's now paid off but Hyundai finance are dragging their feets to process the title and send it to us. We need to sale the car now but we can't without title.

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 2021-07-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
While I was in the process of refinancing my mortgage, the title company let me know that 5/3 mortgage had a lien on my home from 2006. I was completely unaware of this lien. I never received any communication from 5/3 mortgage informing me of this lien. 5/3 Mortgage sold the original loan to SPC and the 2nd mortgage was discharged in a bankruptcy. I did contact 5/3 Mortgage and asked them to remove the lien but they only offered to lower the amount by {$2000.00}. My husband is going to be XXXX this year and he is retired and on a fixed income and I am XXXX years old and looking to retire in 3 years. This would be a huge financial burden to us.The phone number I was given for 5/3 mortgage was XXXX. The account number is XXXX. 

I appreciate any assistance you can provide Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  XXXX sent a letter to me and to experian to remove a late payment from XX/XX/2020 and they openly admitted to making a mistake on my credit report. I have a document to prove it as well.

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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: OK

Complaint narrative:
We have been trying to obtain the correct payoff letter from BSI financial since XXXX. We have called several times and we have even spoken with the department that issues this letter, and the insurance department too, and they told us that there was a mistake and that they would fix it in a couple of days, that was three weeks ago and we still have not received the payoff letter.

The escrow balance must be reviewed because it is incorrect it shows two discounts ( {$1900.00} XXXX & {$3.00} - XX/XX/XXXX ), for this year we already paid the housing policy in full and we sent you the documents twice. The last time we spoke to customer service was XX/XX/XXXX, we emailed the policy documents and we received a confirmation email. We did it again today XX/XX/XXXX. 
" Thank you for submitting your insurance documentation. Please note this is an unanswered email address. Please allow up to 5 business days for processing ... '' We are so tired of dealing with BSI, they have serious organizational problems that are affecting us financially and It is impacting our mental health.

We are entitled to receive this letter with the correct amount this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I was scammed into a purchase at a XXXX XXXX  which I thought was for a friend. Within hours I discovered the scam and called Capital One indicating that this was an unauthorized purchase and to stop the transaction. Instead they did nothing and referred me to dispute process that was inapplicable in this situation. The terms of this card state '' You will not be responsible for transactions on your account that are unauthorized ''. I have send several letters with documentation to the legal department but they do not respond but rather rely on their dispute procedure which does not address scams. The company denied my claim based on the fact that I benefited from the transaction when Capital One had no mechanism in place to immediately respond I reported this matter to FTC as well. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 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: MS

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I graduated in XXXX. At the time I had no business in college, I graduated XXXX XXXX with a XXXX  GPA and XXXX  with a XXXX GPA. I had 0 concept of finances and did not fully understand what I was agreeing to. I only wanted to wrestle. 

As an adult I am better with money and recognize the consequences of my actions from over 11 years ago. Unfortunately Navient is very hard to work with. You student loans are in 3 different departments, Government, Governement back, and Private student loans. Each department has it own programs and don't talk to each other, so when you have 20 student loans it is easy for Navient people to make mistakes. They signed me up for 18 % interest rate. I have basically been on a rate reduction plan for the private loans for the last 10 years and have never paid the government loans. Every six months they want to call and discuss my income situation over again. I also get harrassed by employees for making life decisions like buying a car or house. They tell me I should be calling them before taking out new debt. It is very draining considering the yoyo ride my income has gone on over the last 10 years. It should not be legal for them to hold an 18 % debt over my head and not consider locking in a rate longer than 6 months. They are the only negative reporting information on my credit. So I can not refinance the loans, they keep increasing the monthly payment so paying back federal also becomes impossible. Not sure what this email will do but I though someone should know. 

The purpose of Student loans and Navient was to improve my life. I now feel like a slave to the debt and I keep getting harassed by the company every 6 months because they want me to pay 18 % interest. Navient needs to do a better job of servicing their long term customers and helping them enrich their lives through a pay plan that is profitable but affordable for consumers. Student loans should not be hurting me this badly after 11 YEARS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This month I noticed a recurring monthly charge for {$24.00} since XXXX from TransUnion. I immediately called TransUnion and asked what this was about. The first person I talked to said I was not a member of TransUnion and I should not have been charged the {$24.00}. He asked me who was charging me {$24.00}. Confused, I answered - you guys, my credit card says TransUnion has been charging me. He said he did not see those charges and transferred me to another individual. At this point I thought a fake TransUnion was charging me and that I was experiencing some sort of fraud. 

The next individual asked me some questions and then said I was supposed to be charged {$24.00} per month. I said, I don't understand I never signed up for a monthly membership, I requested a credit report once and then immediately cancelled any further recurring fees. She said she could cancel my membership and refund me the most recent charge, but would not refund me the other 6 months. I asked for her manager and she said she was a supervisor in charge. I asked for her name, and she said XXXX but would not give me her last name. I asked if she could send me what records she regarding my monthly membership and she refused to provide them to me. I asked her in five different ways to provide me with records indicating I should be charged {$24.00} per month and she refused to provide me with my records. I told her I had cancelled any membership and she did not care. 

I take copious notes on most of my transactions and phone calls because I'm an attorney and I know memory can fail anyone. When I checked here, I found that I specifically wrote down that I cancelled this membership, like I remembered. I am flabbergasted by TransUnion 's absolute refusal to be transparent provide me with the records XXXX continued to refer to to charge me hundreds of dollars for a service I did not use. Furthermore, I am more shocked when I see my own notes confirming that I cancelled this service, which appears to be confirmed with the first TransUnion representative I talked to who said I was not a member, and then the hostile attitude and refusal to accommodate my reasonable request by XXXX. While on hold on the phone, TransUnion was advertising their free credit reports every 7 days due to COVID. That they would try to, frankly fraudulently, procure hundreds of dollars from me for something that should be free is horrific. 

I thought TransUnion was supposed to be a trusted major credit reporting company - Consumers really only have 3 choices. If 1 out of 3 of these choices appears to be ripping you off, who can you trust?

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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
We applied for a loan modification and were given the highest interest rate, 5.5 %. We have been current but it is extremely difficult to make the monthly payment of {$1600.00}. 
We have contacted them to lower the interest rate to make it easier to pay but they want us to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
On XX/XX/2021 and again on XX/XX/2021 I sent letters to XXXX XXXX and Equifax concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX  report. After several phone calls and the additional letters, XXXX and Equifax has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: LA

Complaint narrative:
I was in a bad spot I needed to hire a lawyer. So I looked online for loans. And I found this one. It was for {$500.00}. I knew it was high interest. I expected to have to pay 130 something dollars a month for a year for a {$500.00} loan. Which I know sounds terrible. But I needed the money to pay for a lawyer. It was an emergency. The first payment came out from my checking account. I get paid every two weeks. So I figured the next payment wasnt due for a month. But when I got my next check it was taken out of that as well. So they are taking almost {$300.00} a month for 12 months for a {$500.00} loan. I cant afford that. I ended up having to close my checking account. And Im pretty sure what they are doing is illegal. Definitely a predatory lending company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
XXXX  XXXX sent a letter to me and to experian to remove a late payment from XX/XX/2020 and they openly admitted to making a mistake on my credit report. I have a document to prove it as well.

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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit has 2 accounts for me XXXX XXXX one account number is XXXX with the amount of XXXX and the other account numer is XXXX with the amount of like XXXX both of these accounts are from the same company which the correct amount is XXXX we paid the XXXX but midland credit is still charging us an extra XXXX for account XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have disputed this collection multiple times. I have asked for paperwork saying that I owe the debt. I sent debt validation letters as well and I never received a response from this company. I see where on my credit report it says disputed by consumer. I have never visited or have been cared for by a doctor in Texas. 
The amount is {$910.00}

Company response to consumer: Closed with explanation