vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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:
On XX/XX/XXXX and XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Regional Management Corporation
State: VA

Complaint narrative:
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
Ive been locked out of my account since XX/XX/XXXX and it is now XX/XX/XXXX. I opened a support request with Binance US to reinstate my account and provided answers to their initial questions. I have not heard back since XX/XX/XXXX despite following up numerous times. I can not get into my account nor can I get a response from their support team. I need to access my account data in order to file my tax return on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history

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 2021-04-06 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2021 at XXXX Saturday, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened an saving account with them. The teller ran a credit report on me which was improperly implies that it was a INSTALLMENT LOAN INQUIRY. This reduced my Experian credit alert reports by 19 percent. When I was alerted to this a week later I contacted XXXX main office manager and she reviewed by account. She said that she didn't see a request for a loan. I contacted the credit unit branch on XXXX XXXX where I opened the account and they told me it was standard procedure. This action is not noted in the forms that was provided to open up a basic savings account. Please help me clarify this matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your assistance would greatly appreciated be greatly appreciated.

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 2021-04-06 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Upon review of my credit report, I see that I have late payments in XXXX. According to the Federal Trade Commission Act 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, unless the creditor has adopted reasonable designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment is due. As you can see from the attached state email, the statement was delivered on XX/XX/XXXX and the due date was XXXX XXXX. This is a violation and I am requesting ALL late payments be removed from my credit! I am not against legal action if this is not resolved in the next 30 days. This letter was sent certified on XX/XX/XXXX and I have not received a response which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NY

Complaint narrative:
I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

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 2021-04-06 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: NY

Complaint narrative:
I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONAL ACCEPTNACE CORP has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SEMPER HOME LOANS, INC
State: FL

Complaint narrative:
Back on XX/XX/2021 through XXXX, I found Semper Home Loans that was offering a competitive refinance rate of 2.375 % for a 30 year fixed mortgage. They sent me a list of paperwork that they needed to secure the loan and I responded with everything they asked for within 5 days. I have nearly 60 emails from the four loan originators that I have been dealing with to prove the timeline and delays on their part submitting my information to the underwriters. These delays have now allowed them to claim that the rate lock has expired and that rate is no longer available. 

How can a mortgage broker be allowed to advertise a rate and then simply use delay tactics to run out the rate lock that causes a substantial loss in the tens of thousands to me over the course of the loan. 

I'm not sure how much documentation you will need at this point, so I will wait to here back from you before deluding you with files and emails. 

The last person from Semper Home Loans that contacted me was : XXXX XXXX Senior Loan Organizer NMLS # XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX US DEPT EDXXXX XXXX DEPTEDXXXX**** XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I have called planet home lending multiple times on this. 

They have been double drafting my account since XX/XX/XXXX. 

It has been a very confusing process getting payments set up on this mortgage. 

When I first used the website almost 8 months ago and attempted to set up auto payment, I was prompted that it would not be possible without some sort of written consent, which I did NOT send in. 

After I used the website, I called the customer number and asked about it, and was told that I did not have auto pay set up. 

So I set up payments through the phone. 

In XXXX, I ended up paying twice, and in XXXX as well. 

Since I was 2 months ahead, and was credited as such, I held off from paying until XXXX. 

When I called in XXXX to verify if there were any payments set up, I was told there was not. 

So I set up payments over the phone again, for XXXX and XXXX. 

In XXXX, two payments were taken out again, so I called planet home lending again, told them to axe the payment I request in XXXX, and I made the request for the payment to be axed on XX/XX/XXXX. 

XX/XX/XXXX, they did the exact same thing. 

When I called to ask about it, The customer service rep told me right away that I was set up for auto payments, and she was the first rep from planet home lending to ever inform me of that. 

They have my email and mailing address on file, I verified it, and asked for specific, direct instructions to fix the problems their mis information in regards to my account was causing, and they would not provide the information, stating it was against the law. 

I informed them at that point I would be lodging a complaint against their company, and may hodl the money in escro and refuse to pay until they have it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NY

Complaint narrative:
I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

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 2021-04-06 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: Freedom Mortgage Company
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-04-06 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 — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX  and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and XXXX XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with CREDIT COLLECTION/USA. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT COLLECTION/USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
XXXX  XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

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 2021-04-06 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:
XXXX XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
Please delete the account listed below in accordance with the FCRA section 605B and FDCPA. Under section 605B of the FCRA it states that this credit card should be permanently deleted from my credit profile within 4 business days because it was opened fraudulently. I have attached the FTC Complaint to this file. 

XXXX XXXX XXXX Account 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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
The collection 's department at Conn 's Corporate office changed my mailing address on my account on XX/XX/21 erroneously and falsely ( I was told by Conn 's customer service that a skip tracing technique was used to find the erroneous and false address ). The erroneous address was reported on my credit report on XX/XX/21. Because of this erroneous and false information reported on my credit report, my application for a loan was held up and maybe even hindered. The representative ID # XXXX in the collection 's department at Conn 's Corporate office eluded to having the authority or rights to change/update my address without verification from me anytime Conn 's wants to change my address.

Company response to consumer: Closed with explanation