vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gragil Associates, Inc.
State: MA

Complaint narrative:
In XXXX of XXXX I incurred a medical debt for a XXXX test at XXXX XXXX ( a chain of urgent care centers ). I was not billed for this debt until XXXX of XXXX. At that time, I checked my health insurance portal and saw that the debt had been covered by my insurance and paid in XXXX of XXXX. 

I contacted XXXXXXXX XXXX and was told that the records must have crossed in the mail and to dispose of the bill. I did so, and contacted them a second time when I received another bill in XXXX. At that time, I also wrote XXXXXXXX XXXX  and provided documentation that the debt had been paid in full by insurance. They appear to have sold the debt to Gragil Associates Inc sometime between XX/XX/XXXX and XX/XX/XXXX, as I first received correspondence from Gragil in XXXX of XXXX. 

At that time, I responded that I sought to dispute the debt as it had been paid, and also requested documentation regarding the debt. I began receiving collections phone calls from Gragil in late XXXX, despite never having received the requested documentation. I do not have records of those earliest calls, but the earliest one I can demonstrably document was from XX/XX/XXXX. I received " documentation '' that appears to be fraudulent from Gragil that was dated XX/XX/XXXX but postmarked XX/XX/XXXX on XX/XX/XXXX, at which time I had received about a half-dozen collections calls. 

The invoice for the debt was prepared by Gragil and has their mailing address at the top of the page, but it is designed to look like an invoice from Convenient MD. I have responded to Gragil in writing and provided documentation from my insurance company that the debt was paid in XXXX of XXXX. The calls have not stopped. 

On XX/XX/XXXX, I responded to the " invoice '' provided by Gragil with documentation of payment, and also included documentation of their unethical and illegal collections tactics ( sending an invoice that is not proof of the original debt ; the fact that collections calls began before documentation was sent as requested ). At this time I have not yet heard back but hopefully this will be the end of their attempts to collect the " debt '' that was never owed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account is already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureaus is legally allowed to report this on my credit report. If unable to, remove the account immediately. 

XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax a request for my consumer credit report AND file via certified mail with a return signature slip XX/XX/2022. Equifax sent me a notice via mail dated XX/XX/2022 without the signature return slip, which I expected back. Equifax refuses to provide me with my consumer credit report, by way of another stall tactic. Equifax continues to violate my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 2022-03-09 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:
Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
XX/XX/XXXX : debt collector calls and says that legal documentation has been filed in a suit against me for a delinquent account. The amount was in excess of {$1400.00} from check into cash. We agreed to settle on the amount of {$800.00}. 

Many other debt collectors calling to collect on the same account since then. 

XX/XX/XXXX : phone call from debt collector ( XXXX ( XXXX ) XXXX ) saying that legal documentation has been filed for a suit against me for a delinquent account. Amount in excess of {$1400.00} from check into cash. I told the woman on the phone that I had already settled that debt last year and hung up. 

I called Check Into Cash customer service. They informed me that the debt ( from XXXX ) was sold to a collection agency in XXXX, but that agency went out of business in XXXX and no other company could have access to it. 

The company I paid ( XXXX XXXX XXXX ) has an address to a civilian home ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and the owner of the company name ( XXXX, XXXX A ll ) has had XXXX other company names but both are inactive now ( source : XXXX XXXX XXXX ). 

I tried to contact the company but no one answers the number left on the letter of release they sent me through XXXX, which had another company name on it ( XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX ) I called my bank but they said they couldnt do anything since the fraudulent activity was more than 120 days old. So Im out {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The company did not send the correct federally and state mandated letters not did they provide or address that in the precious complaint and it was closed with a deficient and irrelevant response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Good Afternoon, I am trying to contact Truist Mortgage- formerly Suntrust Mortgage- regarding my forbearance agreement. I already had one complaint filed with you, regarding this mortgage company, which you helped me resolve. 
COMPLAINT ID XXXX Covid Forbearance- I was to pay 3 months on time and then I would receive the new mortgage agreement in the mail after the underwriters were done. I was promised it would be sent out in XXXX, but never received it. I received a letter telling me it was being completed and to continue making payments, but I can not make the payments due to the following. I had auto payments set up for the 3 months. I can not pay online because it goes back to the first payment missed, not the current payment due. I tried to make the payment over the phone, but was put on hold for 1.5 hours yesterday x 2. They do not answer the phone call que, they do not respond to online chat and there is no way to email them on the website. I can not contact this company or pay my current mortgage payment or find out when I am receiving my new mortgage agreement. ( I also don't understand why they add all the missed payments onto the principle when those payments would have paid the principle down. It has increased my mortgage with the escrow, interest and missed payments to over 30K. ) Covid relief added all my missed payments on, which i did not understand would happen. I understand the escrow and interest, but not the missed payments increasing my mortgage. 
They should not be in business if they can not hire people to answer the phones. No one has time to sit on the phone for over an hour. People need a response to issues same day. The call back que does not call back. I need to be able to pay my payment without speaking to anyone over the phone and not be put on hold for hours. 
I want my new mortgage completed and sent 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 explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
ComenitycbXXXX allowed a person named XXXX XXXX to open up a credit card in her name with my social. This was not by accident. She opened up two credit cards ( XXXX and ComenityXXXX ) but Comenitycb will not remove it from my credit report and continue to report it as delinquent. I have given them all the information and am told something different each time I call. Because they allowed her to open up the card, her name and address are now being reported on my credit report which is how I got the information on this person. On XX/XX/XXXX XXXX opened up a credit card under my social. On XX/XX/XXXX she maxed out the card {$1000.00} and never made payments. I found this woman on social media and found a post that she made of the actual receipt. I do not live in Wisconsin nor have I ever visited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
I was in a COVID deferment and spoke to someone in XXXX XXXX and indicated the hardship was over and that I would like the loan reinstated. I was instructed to start making my regular monthly payment in XX/XX/XXXX. I made that payment and a payment in XXXX, XXXX and XX/XX/XXXX. None of those payments have been applied to my account and there is no record of where those payments have gone. My account is still showing as past due. I have inquired several times why this was and was told the loan was waiting approval for loss mitigation. Each month I call and I get the same answer. I am not sure why or how it could take four plus months to work through the loss mitigation process and reinstate the loan but it is excessive and no one can tell me when it will actually be completed. There are also escrow concerns as the escrow amount being computed was incorrect as it was set at a higher rate based on the property being a secondary home rather than a primary. Because of this the escrow balance was positive for almost the entire hardship period so whatever lump sum payment ends up being deferred needs to account for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: ID Analytics, Inc.
State: FL

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,

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 2022-03-09 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: OH

Complaint narrative:
XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: LA

Complaint narrative:
I previously sent my complaint TransUnion about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$830.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-09 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:
It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX  XXXX BANKRUPTCY DISCHARGED *** XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: DE

Complaint narrative:
A year ago, I got a Self Lender credit builder account and made all of my payments on time and paid off. Instead of getting the fund back at the end of the term, they offered me a credit card which I accepted to build my credit further. 

My funds of {$450.00} was transferred to the secure credit card. My credit card was in good standing until XX/XX/2021, when I lost my job and was going through hardship. 

They decided to close the account because because I was making payments. I understand that and was fine with it. 

The problem is that, they decided to keep my {$450.00} as charge off. They are not giving me the option to pay it off in full and then have it returned to me. That was my money. Its unfair that they get to keep it without if working with me. I also had to pay {XXXX} In fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Spoke to Home Depot to notify of passing of relative. Let them know there is no estate or will or anything to collect from. Now they are sending correspondence to the relative daughter to collect on the debt that has nothing to do with her.

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 2022-03-09 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: Self Financial Inc.
State: RI

Complaint narrative:
I checked my credit report and see that I have a balance on a loan for XXXX XXXX XXXX self lender and I called them and have never done business with them. I am not sure why I have this on my credit report. I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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