vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive set validation letters to experian to dispute a debt that is way over the statute of limitations on my credit report and they refuse to remove the account that is a violation of my rights as a consumer they are inaccurately reporting a lot on my report and jot trying to solve the issue

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 2021-09-02 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: CORELOGIC INC
State: NJ

Complaint narrative:
Received hard inquiry on my credit by Credco on XXXX without my consent that resulted in reduction of credit score.

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 2021-09-02 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/TJX Account Number : XXXX This is not mine.

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 2021-09-02 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: MN

Complaint narrative:
The following XXXX  XXXX XXXX MasterCard Credit Card Account : XXXX listed on my Equifax and XXXX credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX MasterCard Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a business owner for XXXX XXXX XXXX with 6 employees, I am married to a US citizen and I have a legit employment authorization issued by USCIS and a SSN and waiting for my XXXX XXXX, I worked over $ XXXX last year. I recently added 2 trucks to my fleet and I needed 2 more trailers so I applied for loan from SHEFFIELD FINANCIAL with a credit score of XXXX to which I was denied for not having a XXXX XXXX even though I have authorized XXXX XXXX and I feel like this is discrimination because I qualify and I am even willing to put any collateral down but they did not accept.with this I want to know how best this can be solved.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately

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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2021 : Used USAA Mobile APP to deposit two XXXX XXXX XXXX XXXX in the amts of XXXX and XXXX. Noted that {$700.00} would be held from the 2nd deposit.

Contacted the bank to request funds be released ( need to pay the rent! ). Was informed that the image of the check for {$800.00} was not yet available. Supervisor I spoke with stated that he would be happy to release the funds under the circumstances but without visual verify of face of check there was nothing to be done. Instructed me to return call the next day. 
XX/XX/2021 : Contacted USAA. Spoke with member of Executive Resolution team who stated that since I had had an NSF within 90 days that they would not release the funds.

Note that USAA had most recently NSF 'd an {$80.00} pmt to XXXX XXXX ( USAA is my current Insurance carrier ) when the account had $ XXXX. It is a curious coincidence. 

In truth, owing to unemployment during COVID era I had had some difficulty making ends meet. However, I have been working and depositing XXXX $ XXXX weekly for about 8 weeks. I have had a couple of NFSs ( valid ) while I am paying out large sums to bring other accounts to current and adjusting to the new pay schedule. 

I learned from one of the USAA reps that Digital Deposits are not covered by Expedited Funds Act nor the XXXX XXXX  ' act. Result is that it seems that it is a gray area and USAA makes its own policy. 

USAA has a single branch in XXXX XXXX, TX. 
USAA does not have/offer walk-in service agreements with any other banks. 
The only way to deposit funds is either payroll deposit or through their digital deposit phone app. 

The above facts put EVERY depositor in a situation whereby USAA can, and does, act only on policy and holds deposits for longest period of time permitted by law. In my case, I was informed that my funds would be released at XXXX XXXX on XX/XX/XXXX - XXXX business days later. This hold is placed on an instrument that must be paid for in CASH. A XXXX XXXX MO is no different than a certified bank check -- excepting the requirement of membership at that institution and the cost where applicable. 

The practice of only offering digital deposits and holding nation brand Money Orders for 5 bank days serves only to provide revenue to USAA. It is an unfair practice and skirts the intent of recent banking laws by hiding in the text they were written in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX  is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2009 with a balance of {$10000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We had 2 mortgages in XXXX we did a loan modification and were lead to believe both mortgages were included However now specialized loan serving states they purchased my 2nd mortgage in XXXX and are now trying to foreclose on my property Ive been trying to work with them by doing a modification but they are asking for {$43000.00} down payment and in the middle of a pandemic I do not have that amount of money I dont want to lose my home I feel they will not work with me and most of the time they do not answer my requests for information I did receive a letter from them which I will enclose however none of the information is valid this company never requested a cash settlement

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 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2006 with a balance of {$12000.00}, which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial XX/XX/XXXX Paid Auto XXXX Off Received Email from Ally to Confirmation # FYI XX/XX/XXXX Received Email Your Title / Lien has been Released Your State DMV will Mail you your Title On XX/XX/XXXX or XX/XX/XXXX My Son Receive call from Ally Payment Loss/Missing/Returned I have called Ally Several times to Speak to the Legal Dept. or Give me A Number No Call Backs 2 months Later Our Credit Scores Drop XXXX points Contact 3 Credit Companies 3 weeks later everything is back to Normal 4 weeks Later Ally is Reporting Late Payments I / We Don't Have Late Payments Ally / They Have A Serious Issue See attached Below FYI

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 2021-09-02 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: MN

Complaint narrative:
The following XXXX  XXXX XXXX XXXX Credit Card Account : XXXX listed on my XXXX  and Experian credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX XXXX Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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:
To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$15000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.

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 monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

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 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$45000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
Experian Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.

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 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc.
State: OK

Complaint narrative:
The collection agency reported a False collection amount of {$930.00} to my account I assume for medical bills which is inaccurate I am XXXX XXXX military and I think they meant to send the information to my father who has my name also. Im a 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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX  Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2018 with a balance of {$240000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC Systems has violated 809 ( a ) of the FDCPA, in that the company identified has failed to provide written notice of alleged debt or the contents surrounding the alleged debt. The alleged debt just showed up on my credit report without prior notice. IC Systems did not attempt to contact me prior to reporting this alleged debt as a collection to the credit bureaus. As of this date, XX/XX/2021, IC Systems has not provided any initial communication in connection with this alleged debt. Furthermore, I have never heard of this company, nor have I engaged in any business with IC Systems. IC Systems is attempting to collect and allege debt in the amount of {$150.00}, as indicated on my credit report. IC Systems NEVER once mailed me any information pertaining to this alleged debt. IC Systems has also violated 15 U.S. Code 1692g pertaining to the validation of debts because, as a consumer, I was never given the opportunity to ask for validation of the debt. In addition, IC Systems is also in violation of the 15 U.S. Code 1692c surrounding communication in connection with debt collection which states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I am insisting that this erroneous information not only be removed from the credit report, but my personal information be expunged from all data systems associated with IC Systems. IC Systems is now in violation of the FDPCA and the U.S. Code, they are subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from IC Systems within 10 days. IC Systems should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present IC Systems with legal inconvenience with the FTC and other state and federal agencies.

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 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I demanded a debt Validation with the third party debt collection agency Javitch Block Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.

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