vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Last year maybe the beginning of the year I opened an account with Fifth Third. Never have any transactions on it I believe u payed the fee only once and never used the account again. It is now XX/XX/2021 and I called Fifth third to check and see if there was a fee to pay for reopening it because Im with me not using it at all and not paying the monthly fee again that the account isnt still active. I was told that there was some kind of fraudulent check that was attempted to be deposited into my account that I had no idea of and now this is become a problem because Im not allowed to get an account anywhere!! Please get back to me when you can

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a complaint case ( # XXXX ) with Bank of America. 

There are 2 payments scheduled deliver on XX/XX/2020, one amount {$4200.00}, another amount {$3100.00} from my HELOC account to XXXX XXXX tax collect department. The bank sent XXXX XXXX tax collect department 2 checks. When XXXX XXXX tax collect tried to cash the checks, they were rejected. Now it passed the deadline of property tax payment and I'm facing penalty. The problem is still not resolved. Bank of America told me they even can't find the checks were tried to be cashed. 

I have the second installment payments which are on the same situation and I worry they will be rejected too.

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 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: NY

Complaint narrative:
A collection account was added to my consumer report that has not been validated according to 15 USC 1692g in addition 15 USC 1681b - Permissible purposes of consumer reports, no written consent was given to furnish this invalidated information on my consumer reports!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2021-04-20 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: AZ

Complaint narrative:
There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: AZ

Complaint narrative:
There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}

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 2021-04-20 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX misreported an account by charging it off after an agreement had been made. The debt was settled prior to XX/XX/2021. It was agreed that if the 1st of 3 instalment payments were made the account would not be charged off. I paid the account off in full on XX/XX/2021. I called the bank rep and reported the account paid in full. She apologized for the banks error and stated she would do whatever to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NV

Complaint narrative:
I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.

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 2021-04-21 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: NV

Complaint narrative:
I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX. ( hereinafter FIRM ) forwarded a communication headed 'NOTICE OF COURT PROCEEDINGS TO COLLECT DEBT ' to Consumer. This notice stated that said XXXX would be seeking court proceedings to 'GARNISH ' the wages of Consumer in the amount of {$4300.00}. 
Within the forwarded presentment XXXX violated the rights of the Consumer as secured via the FAIR DEBT COLLECTION PRACTICES ACT ( 15 U.S.C. sec. 1692 ). 
On XX/XX/2021, Consumer forwarded an AFFIDAVIT OF FACT via certified mail with return receipt, that of which was accepted by an agent of the XXXX. Within the aforementioned presentment, Consumer cited seven ( 7 ) violations committed by XXXX. Consumer afforded XXXX 14days to respond, yet XXXX failed to perform. 
On XX/XX/2021 Consumer forwarded XXXX via Certified Mail with return receipt a presentment titled 'NOTICE OF DEFAULT AND OPPORTUNITY TO CURE ', along with an invoice which contained a complete breakdown of the reparations saught by Consumer for 'Actual Damages as well as each violation committed by XXXX. 
Consumer has afforded XXXX 10days to respond.

Consumer is filing this complaint with the CFPB, as it is Consumers right to do so when such violations occur, and to inform future Consumers of the aforementioned XXXX 'unlawful ' actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
In XX/XX/2021, Mariner Finance ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX ) mailed an unsolicited loan offer in my name to my address in the form of a check. All that was needed to open the loan was to sign the back of the check, include phone numbers and an email address, and cash or deposit the check. I do not know how Mariner Finance had enough information about me to make this possible. I had never interacted with this bank prior to this happening. 

Someone intercepted the letter in some way, it is unknown. They took the check, forged my signature ( not even close to my actual signature ), wrote a fake email address, and used phone numbers that were associated to me by an internet search. Two of the three numbers associated with me haven't been my phone number in over 10 years. The other was my current cell number. 

On XX/XX/2021, I received a phone call on my cell from XXXX XXXX, the XXXX XXXX branch manager, welcoming me to my new loan. I informed him that I had no idea what he was talking about and had not opened a loan with anyone. He provided me with a photocopy of the back of the check where someone had signed my name. I informed him that this was not me, asked him how they had my information and why they made it so easy for someone to open a loan in my name. He said it is up to the bank that cashes the check to get proof of identification. 

He told me if it was not me, I would need to file a police report and provide Mariner with the police report number and they would take it from there. I wanted to know the name of the bank that cashed the check so I could find out what steps they had taken to check ID. He said they could not provide that information without a police report. 

The same day, I filed a police report, providing them with all the documentation, including a print out of the forged signature and fake contact info, along with my identification with my real signature. I contacted Mariner finance the next day with my police report number as requested and waited. 

Two months went by with no action and no replies to my numerous phone calls for updates. I finally reached Mr. XXXX and he stated that Mariner Finance was now requiring me to get a physical copy of the police report and a signed affidavit from the bank that cashed the check, the one they would not disclose to me. 

I filed a report with the Better Business Bureau, and within a week, Mariner Finance contacted me to assist me with closing the account. 

I am working with Mariner Finance to get the account closed and removed as a liability, but I need help removing it from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX-21 ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I received a cancelation notice from my mortgage insurance, XXXX XXXX. I contacted them on XX/XX/21 and inquired the reason for the cancelation. They advised me ; they had not received payment from my mortgage company after sending several invoices. 
I contacted Loan Depot immediately with XXXX XXXX on 3-way to come to a resolution. After I explained that my mortgage policy was scheduled to be canceled on XX/XX/21, they claimed they never received any bills. They also claim they dont have an address for invoices and the mortgage insurance company would have to upload bills to a portal to be paid. The XXXX XXXX representative on three way said they never head of that, and I was surprise myself that a mortgage company of that size would only accept bills in that manner. Needless to say, the Loan Depot Representative said she would have a supervisor expedite a payment to XXXX XXXX and call me back to confirm ; supervisor never called me back. 
I followed up with Loan Depot on XX/XX/21 to confirm if the payment was handled. I found out from the first Loan Depot Representative that it was not sent. I requested to speak to a supervisor and after an hour of waiting and speaking to 3 other non-supervisors, I was then told one was not available and one would call me back. 
Ive spent countless hours on the phone with Loan Depot over the course of 2 days, with no resolution. The only thing I want is Loan Depot to pay my Mortgage company, XXXX XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2021-04-20 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2021-04-21 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: NY

Complaint narrative:
I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX Can't verify and experian will not take it off

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 2021-04-20 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: GA

Complaint narrative:
There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, Transunion, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. Transunion and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # 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 2021-04-20 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: GA

Complaint narrative:
There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, XXXX, and Experian about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and Experian wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # 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