vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: BANCO POPULAR DE PUERTO RICO
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, BANCO POPULAR XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Dear CFPB, I had deposited two checks at my TD Bank in XXXX, VA on XX/XX/2020. Today I learned that TD has blocked my account. The checks were from my XXXX accounts, which have already been cleared by XXXX Bank. 
I do not understand why my account has been blocked. I have been TD bank member for almost 20 years. 
I was told by customer service that I have to go to the bank in-person to unblock my account. Due to COVID-19 this is a very inconvenient process. 
Could TD just reject the checks if they do not want to accept the deposits ( for whatever reason ) and unblock my account? 
Due to COVID I do not want to go to the bank in-person. 
I will greatly appreciate if CFPB can help to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Students Come First
State: OR

Complaint narrative:
the company Students Come First XXXX, promised me loan forgiveness if I consolidated my government loans and charged me {$590.00} for processing fees but never told me these payments wouldn't go to my balance, promised after paying {$2500.00} that the balance would be forgiven. All of it is incorrect. My loan was consolidated with Federal Student Loan and they said they have never heard of a forgiveness loan program unless you are a teacher, that I will owe the entire balance and Ithey don't have any payments that I made to Students Come First nor do they make any payment arrangements by credit card which is what XXXX XXXX set up for me under Students Come First - I would like my money back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account is paid off, but its showing delinquent remarks.

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 2020-12-17 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: TX

Complaint narrative:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to Experian, XX/XX/XXXX, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My wife and I un-froze our credit accounts in late XXXX or early XXXX to apply for a mortgage. All of the agencies other than Transunion re-froze the accounts automatically. Transunion said that we had to re-freeze ourselves. I had no trouble with my own account, but Transunion said that, although my wife had an account, they could not confirm her identity on-line, so call XXXX. We tried several times, but could not penetrate the answering system. Then I found a new " customer service '' number, XXXX. We called it three times. Each time we spoke to a customer service rep who said that my wife 's account had been " frozen '' because she gave a wrong answer, which was not true. Each time they put us on hold to check her account. After a long wait we were disconnected, so have not been able to freeze her account. They have promised to call back. They made that promise once before, but did not call back.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have already settled my account with XX/XX/XXXX. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector Resurgent capital services is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for XX/XX/XXXXto respond. They have been provided with the confirmation number and payment information but still have not removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone is using my name and using a California EDD card for many purchases in XXXX, California. I do not live at XXXX XXXX XXXX XXXX in XXXX, California. I have reported this to the California EDD and FTC with no response and continue to receive monthly statements which shows all the illegal activities.

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 2020-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America is reporting to XXXX XXXX XXXX XXXX XXXX XXXX that they closed a fraudulent account down under my name with the incident date showing as XX/XX//2019. It also shows that Their total loss was {$0.00}. I have contacted XX/XX/XXXX and the information was blocked, however it was added back to my account at a later date and Bank of America stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by Bank of America or permanently blocked by XX/XX/XXXX. I sent in all of my ID theft documentation to both companies, This was not my account. There is no back of America anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the XXXX XXXX XXXX at the Oklahoma Attorney Generals office.

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 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
This debt is over 3 years old and the collection agency is reporting it as a debt from this year. They are not showing the date of last activity with the credit grantor as required by law

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 2020-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/2015 Mohela/Dept of Ed added a derogatory mark on my credit report XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX XXXX. This account was transferred sold. Debtors creditor did not verify this collection mark. Also, there was no written form of communication of accused debt. I was always in forbearance. Anybody can send a bill and say its my bill. According to the FCFA Mohela/ Dept ed has violated my rights as a consumer and I'm requesting legal action to remove the late payments from XX/XX/XXXX and XX/XX/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 2020-12-17 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: TX

Complaint narrative:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX Transunion, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX and Equifax to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Elan Financial Service Account number XXXX Account status Closed Date opened XX/XX/2016 Credit limit {$1000.00} This account does not belong to me and is currently involved in litigation. 
This account is incorrectly placed on my credit report causing harm to me. I have reached out and disputed the accuracies of this account. 
I demand this be removed from my credit 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 non-monetary relief
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
experian just changing my address to keep documents and address that are not mine please have them stop they are breaking the law using deceptive practices

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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I am XXXX after suffering a XXXX  XXXX. I have difficulty with XXXX  communication and Shellpoint mortgage first completely refused to communicate in email/writing with me. " it takes too long to type answers ' was the response. I believe this is a violation of ADA laws? 1 ) they did not notify me that my forbearance period ended in XXXX. 2 ) their website still shows I am in forbearance and will not accept payment or partial payment ( I have recorded all of this ) 3 ) continued emails and communication on their site was completely unanswered over the months since covid hit and they reported me as late to credit bureaus when I was in forbearance 3 ) the representative assigned to me now Mr. XXXX is completely dismissive of my medical condition and literally sent me an email 'good news, your request for forbearance extension is denied '. How nice of them. I had provided no information so how do they deny this? 4 ) they were to allow me to put the missed payments at the end of the mortgage and now they say they can not do that and I owe over {$6000.00} to bring it current and avoid foreclosure. My ex husband still appears on the mortgage in spite of his part being dismissed in his bankruptcy and shellpoint will not remove him in spite of a legal obligation to do so. 

I have had this mortgage since 1997 and have endured much hardship but have restored my credit and now face this. It is unconscionable to me that they won't ' even allow me to make payments online and all but insist I talked via phone in spite of my XXXX to do so. They are requiring I mail a check ( which I don't have as all my payments are always online ) or send a XXXX ( which I don't feel is secure and have seen money disappear for 90 days in that system ). Seems I'm not the only one as I see they are at the top of the complaint list every month. This company should not be in the mortgage business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: FL

Complaint narrative:
I did not have a car with this company at all. Placed called in XXXX in months prior to get info to no avail. At one point I was told I did not have an account. Another time something completely different. Never had vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I recieved a phone call from Comenity Bank on XX/XX/XXXX at XXXX XXXX  ( which I believe is too late at night for them to call as well ) I had already asked them to stop calling me and worked out a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One is charging me {$25.00} for late payments on the same day the payment is due. on XX/XX/XXXX nd XX/XX/XXXX, I was charged {$25.00} for late payment. My due date is on the XXXX of each month. 

They also closed my account without any notice or any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief