vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 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: NC

Complaint narrative:
Hi, my name is XXXX XXXX and I have been having problems with all XXXX credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
In XXXX of XXXX I filed bankruptcy, I was told I had to include it in my XXXX XXXX Fast forward XX/XX/XXXX I attempted to make a payment and the representative stated that the car was up for repossession and I had to pay {$1000.00}, Im confused because I only missed XXXX payment on the XXXX and XXXX payment would be do the XXXX. I made a payment of XXXX XXXX XXXX, XXXX XXXX another payment of {$380.00}. XXXX XXXX the same amount. I even asked for a copy of my payment histories. Unfortunately I contacted covid in XXXX the bill was paid, and XXXX right around this time I made this payment. Unbeknownst to me I was taken out of work due to long term XXXX effects that left me bedridden for almost XXXX months. I was out of work and because I worked retail I was only given a reduction of my hours barely enough to provide food for myself. I explained this to the first representative who was very XXXX and XXXX and was like XXXX XXXX the balance needs to be paid or were taking the car. My only source of protection for myself. I had to borrow money that I dont have, Im thinking Im only a month behind and can catch up with XXXX payment in XXXX. I started a new position on the XXXX but my check will be held until the next pay period. I called and this representative said the balance was {$1300.00}, I had to take borrow from almost everyone and I paid a total of {$810.00}. Which leaves me a balance of {$520.00}. Which means a payment is missing along with {$140.00} seems odd because ot shouldnt be like this. I dont get any confirmations from them, I have no idea whats owed or even if a payment is getting processed. Can you help please? Are companies really doing this? Im not XXXX about being XXXX I have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I keep having trouble with this lender, my track record of complaints with CFPB proves that. 

I thought we were on the same page once again, requesting my monthly payment be lowered, modification approved and monthly mortgage payment lowered, thank you. 

Please see the following : new modification first payment due XX/XX/XXXX of {$2200.00}. in which I paid attachments will prove that, XX/XX/XXXX payment scheduled of {$2200.00}. 
notation : I had 2 XXXX in XXXX of XXXX easily proven, loosing approximately {$3800.00} in rent from my XXXX XXXX, never ever did I let the lender know that as I paid my XX/XX/XXXX, it wasn't necessary. 
Now the lender is telling me that it wasn't applied at all because of an escrow advnce balance, that they refusing to tell me the breakdown, not in my contract, also if it is taxes and homeowners insurance I could have paid that seperately, besides that is included in my monthly mortgage payments, and extra funds that go in my escrow account. 
threats have been made and put me in default and I am not Before I meet my demise, I am turning at least 300 pages, to include emails to an attorney to move forward with this company. I certainly see how 3,000 plus complaints have been made on this lender. 

I have attached copies recently received. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
" Commenity Bank '' has been calling me for the last 2 months asking for a XXXX about a " Good XXXX Rewards Card ''. 

The problem? 
1. I didn't even know Commenity Bank existed before the calls started coming in, which averages about 5 a day, Every Day, at all times during the daylight hours.

2. I'm not XXXX, nor do I know a XXXX. When I look up the name ( of course, this could be a different person ), it leads me to a doctor that died a couple years back. 
3. They call from 3 different numbers, and it's painfully obvious that the voicemails they leave are from autocallers.

4. They sent a couple texts with links, but those links lead to sketchy websites that scream " scam '' to me. 

I put " Commenity Bank '' in quotes, because I can't even be sure it's a real bank. From the research I did, this isn't a new occurence. I blocked their numbers, and they still leave me voicemails with Waiting Music and the same " Stay on the line for an important call. '' Prerecorded message. 

The 3 numbers in question they've been calling me from are XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX 2022 for the amount of {$120.00} was in my cashapp account and was sent to a XXXX XXXX not by me, I was in XXXX fl without any service on my phone, and someone from a different phone and location sent my {$120.00} to that person, I have tried to call cashapp customer service number and its not working and on the cash app support chat system all I get is they need a good email address to contact me, I have gave it several times and no one has contacted me, they will not give me the ip address that the transaction was made by, I have had the chief of police and my lawyer contact them but they still won't give the ip address and they will not refund my money, I'm 7 months pregnant and I have a XXXX XXXX XXXXr old daughter that is now in the hospital due to her XXXX being too low and I had my money took away and I couldn't get her any food nor can I pay my light bill, I really need my money refunded back to me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I received a text message from XXXX. Claiming to be Halsted Financial Services , LLC in regards to XXXX XXXX XXXX account. I have never had a XXXX XXXX XXXX account or any business dealing with that company. I have never received any bills from Fifth third bank. When I open the link, it is asking me verify my personal information as social last 4 numbers of my social security and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: NC

Complaint narrative:
Hi, my name is XXXX XXXX and I have been having problems with all XXXX credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi, my name is XXXX XXXX and I have been having problems with all XXXX  credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and this contract they sent over does not have my address or signature on file. The contract also shows XXXX payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( XXXX ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( XXXX ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially XXXX that does not belong to 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 non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I only owe XXXX XXXX. They sent my account to an attorney saying that I owe them XXXX. Strangely, They never have been on my credit report and I have been a victim of ID theft. I don't know what to do. I hired a debt settlement company out of Florida who has been trying to settle this for me, but this lawyer and XXXX are determined to take me for all I have and have turned down an offer two weeks ago as high as XXXX, even though I don't owe them that amount!!!!!. I am being abused here thousands of times over and thats also because my state of Georgia has such poor laws that protect us against collection abuse. At this point abuse isn't even the word for it. Its far worse, I believe I am being TARGETED. They also believe that there is money available that isn't!!! I don't deserve this. This debt is over 4 years old, which is past the Statue of limitations. Crown Management hired XXXX XXXX XXXXXXXX for XXXXXXXX XXXX to create multiple layers to protect XXXX against their original offer because they want to take me for THOUSANDS OF DOLLARS. THIS IS A GRAND SCAM and a GROUP OF CRIMINALS. This Attorney, XXXX XXXX XXXX, XXXX in XXXX GA of XXXX XXXX XXXXXXXX is part of the scam. Both XXXX and this Attorney need to be investigated. You should see the reviews on XXXX about XXXX XXXX XXXX, it is a nightmare. How many XXXX Citizens has this group of criminals taken? This is a scam ring. Also, I believe they broke into my account at the GA Department of Labor to try to find out where I work, thats how they decided they were going to go through and add on thousands of dollars to the original amount! I have filed a complaint against XXXXXXXX XXXX XXXXXXXX because they have my Social Security Number, and they are the only ones besides XXXX and Crown Management that would have a MOTIVE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Called to close the account on XX/XX/2022 the next day at XX/XX/2022 I received a call XXXX from a FORTIVA representative from XXXX. I have records they called earlier at XXXX and XXXX and I declined both calls. I, finally answered at XXXX and the representative asked to re-open my account with a special offer. I said I'm not interested, and I hung up the call. Then hours later get and emailed the account was reopened. When I called XX/XX/2022 to have the account closed. Fortiva refused to close the account because now they claim it has to be closed to the Fraud department. No unauthorized charges have been made. The only issue is they're Sales Retention team opened the account without my authorization and now they are demanding to supply personal documentation to close the account again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 filled and submitted on XXXX seperate dates an identity theft report to Experian, regarding the XXXX XXXX XXXX XXXX, Account number XXXX. 

They responded by sending a templete letter about verification and that they verified the debt. I submitted an indentity theft report, I didnt ask for verification, ( see letter i submitted ) they never did anything. They failed to do a reasonable investigation and they never provided me with proof of an investigation. they never took the fraudluant account off of my credit report even though it is not my account. The report on this account is inaccurate and does not belong to me. so it is impossible to verify what isnt mine to began with. that is impossible. Experian has a duty as a reporting agency, XXXX XXXXXXXX imposes the following duties : Accuracy Guidelines General Prohibition on Reporting inaccurate information Duty to correct and Update Information Duties After Notice of Dispute from Consumer. 

According to the Fair Credit Reporting Act " XXXX '' XXXX XXXXXXXX ( XXXX ) Block of information resulting from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I was a regional XXXX for a company and signed up for cell phone service from XXXX cell phones. I made agreement for the business not myself personally. The rate plan and rebates given were all business incentives for the XXXX lines that I contracted for the company. During the time I was asked for personal information and told that the account was solely a business account and I was not on it. Bills were sent and paid by the corporation for 1 year or so. Due to poor service and major increase in prices after 1 year company dropped XXXX and I personally returned the phones to same store I set up account at. 
After nearly a year XXXX began harassing me for the amount owed which they included phones in the amount even though I returned them. I was no longer with the same company and I explained that and they left me alone. 
Recently they began harassing me again and reporting it to the credit bureaus as me being delinquent! When I contacted them and asked for the original contract and copies of actual bills that would show that it was a business account and not mine they never produced anything. They argued with me over the phone and told me they had my personal information and they would damage my credit by reporting it as collections. 
To summarize : The account was for a business that I worked at. 

The service was terminated by company. 

The phone were returned by me personally. The amount they want is wrong. 

The company and collection agency never showed contract or bills because they know the bill and payments came from company not me. 

They have put it on my personal credit to pressure me to pay something that is not mine. 

They are causing me to lose opportunities for career advancement and increasing the cost of obtaining loans for me personally. 

I am looking for legal assistance as well as help from the CFPB to file for harassment and punitive damages because they are abusing the credit reporting system to extort money from me that I do not owe. 

Now that they have merged with T-mobile I have discontinued doing business with XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a XXXX  with Suntrust Bank since XXXX. The loan amount was {$15000.00} variable rates, Interest only. Since then, the interest rates have dropped tremendously, but my rates have never changed. As of XX/XX/XXXX, my loan amount have not reduced and I have been paying, on time, for 10 years now. I've made extra payments on the principle and still no reduction. I have called and complaint to Suntrust, but no one could explain why my balance still remain the same or more. Currently the balance is {$15000.00}. They now have changed their name to Truist. Please help!! I'm a XXXX  citizen and I think the bank is taking advantage of 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