vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Account Name : AMER FST FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CH XXXX TRUSTEE ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
The account is set up for automatic payments. The XX/XX/XXXX payment was paid on XX/XX/XXXX. This was confirmed with my bank ( provided time of XXXX XXXX  and the ACH # to the lender on XX/XX/XXXX - see email attached ). 

I was initially told via phone call in XXXX it was resolved and should show so on next statement. Despite this information provided to lender and my request to stop harassing me about a paid payment, it continued and the monthly statement continued to show unpaid with fees and late fees piling up. 
After numerous calls, I was told they needed a bank statement showing the disputed error. After providing this in XXXX, I heard nothing for nearly 3 months, but the monthly statement still showed past due. After weeks of complaining and no resolution, I was eventually assigned a specialist to deal with the complaint on XX/XX/XXXX. She requested a clearer copy of the bank statement I sent 3 months prior. I responded immediately on XX/XX/XXXX with an email attaching a complete bank statement showing all interaction and payments to the lender, including the XX/XX/XXXX processed payment that was already proven as paid with bank ACH # etc. I followed up with a personal call to her provided extention, but it was not valid. To my dismay, the XXXX statement still did not show the payment. I sent three emails on XX/XX/XXXX asking why I was still getting collection letters from XXXX. no response was received. since I've tried to call the specialist at least 10 times, no luck. she's gone awol as there is no extension. after leaving a voicemail twice in the general phone box, i received no call back and am completely done with this 7 months of harassment. See attached emails as proof of interaction with the lender and all statement above.

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 2021-07-06 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: AZ

Complaint narrative:
Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: AZ

Complaint narrative:
Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.

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 2021-07-06 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: TX

Complaint narrative:
There are accounts that were open without me knowing i reached out to XXXX, XXXX, and transunion numerous times and they still haven't responded or do what they promise to do

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 2021-07-06 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: TX

Complaint narrative:
There are accounts that were open without me knowing i reached out to Equifax, XXXX, and XXXX numerous times and they still haven't responded or do what they promise to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company, INC
State: CO

Complaint narrative:
CREDIT SVC CO Last reported XX/XX/2021 {$13000.00} Open balance XXXX XXXX XXXX Original creditor Original balance was XXXX. They are charging interest on this debt that is invalid. 

According to the " employment agreement '' that was signed I would only be charged if I terminated my employment within the first 2 years of employment at XXXX XXXX XXXX. I had already worked there for 3 years when the contract was signed. The agreement did not state that my time of employment would start with the signing of the agreement. The agreement also stated that I would be given skills that I did not previously have. I did not obtain one new skill that was not previously possessed. In fact since I had already been employed there my preceptor told me I knew what I was doing and to get her if I had any issues. This was not a full training as I was supposed to receive. These areas invalidate the agreement. 


Attached is a copy of the employment agreement that I made before signing. Also included is a copy of my scheduled work dates from my start of employment to my termination. This proves that I worked there for more than three years, invalidating the agreement requirement of remaining employed for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with TransUnion and XXXX  they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either TransUnion or XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with XXXX  and Equifax they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either XXXX  or Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: AZ

Complaint narrative:
Problem # 1 The month of XX/XX/2021 I realized that I was " not receiving Comerica Bank Alerts, " I then contacted COMERICA Bank XXXX XXXX and was told that all my set bank alerts were all " deleted " because I changed Mobile Phone Carriers. The Phone Numbers stood the same only the carriers changed therefore nothing should have changed. 
Problem # 2 On XX/XX/2021 I went to a different COMERICA Bank XXXX XXXX and made a {$900.00} withdrawal from my SAVINGS account and did NOR receive a Text Alert of the withdrawal, on XX/XX/2021 at approximately XXXX using the COMERICA Bank App and my internet connection was " cut off '' I then used the internet ( and not the app ) and discovered that the {$900.00} was being set for deduction on my " CHECKING '' account which would have caused " insufficient funds, insufficient fee and a " late Rental Fee, return fee " these incidents were a calculated move to cause an abundance of " FEES " and was conducted by a COMERICA BANK iT Web-Development Manager/Supervisor with override authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My previous account with XXXX XXXX XXXX Account # XXXX was halted for two months in 2020 at company 's discretion at the peek/during COVID-19 Natural Disaster. Account has since been Satisfactorily Paid off and Certified by XXXX XXXX XXXX. But XXXX has deliberately and wilfully continued to report it as two late payments on my credit profile, causing me a significant, downward negative report on my credit, thereby affecting my ability to gain favorable terms on my mortgage and other possible loans. 

I've since attached and sent XXXX proof of the Letter of Satisfactory and Never Late Payments. Notwithstanding, XXXX has refused to adjust it in my favor as with the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : 0 Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
Fifth Third bank purchased my home mortgage on XX/XX/2021. I received a letter from The XXXX XXXX ( entity from whom the mortgage was purchased ) stating that the mortgage had been purchased. When I called The XXXX XXXX, they were able to give me the loan servicing number for the new account at Fifth Third, however I have not been able to create an account or to get in touch with any representatives from Fifth Third in order to pay my bill. I have not received any correspondence at all from Fifth Third stating that they had purchased my mortgage, or been provided any account number or any other method in which I could pay my bill, and they will not answer any of the phone numbers on their website. I believe per FTC regulations, 5/3 bank should have provided a written notice within 30 days of purchasing my mortgage. I spoke with my original loan servicer, and she said there is a 60 day grace period to pay the new account, but that Fifth Third had also purchased their personal home mortgage and they had not received any correspondence or notification of this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see original complaint ID XXXX. This issue is not resolved. I demand to know the method of validation and verification that was used to verify these unauthorized inquiries. " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' is not a valid response to investigate the cause of my unauthorized inquiries. Furthermore, in my original complaint, I also advised I was provided incorrect information from employees at Equifax, this issue was also never addressed. My complaint was closed by Equifax without fully investigating my complaint and coming to a resolution. 
Below are the unauthorized inquiries. I need to know the method of validation that was used to confirm that I authorized these inquiries, if not under FTC these need to be removed. Inquiries in question are the below XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX  XXXX, XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I lave a auto loan with M & T bank ( loan number XXXX ). I have sold my XXXX XXXX because we don't need that many cars so I have the money to pay off this loan. I sent the final payment through my XXXX bank. The XXXX bank check was cashed by M & T bank XXXX XX/XX/XXXX but M & T did not post it as XX/XX/XXXX. I called them and sent message totem several time but they keep deny received it. Even give the details of their stamp on the back of check. Then one customer service reperesentive asked me to pay {$15.00} more by saying in case the payment was late so I have to pay the daily interest. I did pay {$15.00} as asked. However, they closed my account and blocked me to access my account online this morning so I don't know the final balance and what they are going to do withy Title. 
To me this is a fraud, cheating. It is also wrong closing my account and XXXX me to access my account online within a day.

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 2021-07-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CBC Companies, Inc.
State: MD

Complaint narrative:
On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Consolidated Information Services Solutions, LLC
State: MD

Complaint narrative:
On numerous occasions my credit was ran with companies without my consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: William D. Meeker Enterprises, Inc.
State: MD

Complaint narrative:
On numerous occasions my credit was ran with companies without my consent and knowledge.

Company response to consumer: Closed with explanation