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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.

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:
Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if walmart approved me for a new credit card why are you reporting an old account, that XXXX agreed to remove once paid.

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: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
They contacted me saying I owe them money, when both XXXX XXXX snd XXXX said my account was XXXX balance. I asked them for validation and statement they wont unless I dispute it. They got hostile and rude yelling at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. 

This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. To require that I come up with all mortgage payments at once or move out of my home while we are still in the pandemic is extremely disheartening.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither XXXX  nor Equifax can produce a medical release signed by me the accounts need to be deleted immediately.

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 — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
This company XXXX ... they send a balance to collection which it was paid off and they resist of taking this information of my credit report which they are still reporting to all 3 bureaus that the account its charge off as well as bad credit. which this account was paid off by me. XXXX Original creditor : - Balance updated XX/XX/XXXX Account Info Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney they are reporting and i have complaint to them. and they said they will not stop reporting for 7 years beacuse they are a major corporation and i can do nothing about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
The collection agency named, " RECEIVABLES PERFORMANCE MANAGEMENT , LLC '' filed a negative credit report marks on all 3 credit bureaus without properly validating the debt from the consumer. The collection agency did not provide a formal written report to present that the debt is valid prior to reporting to all credit bureaus and did not do their diligence that the debt is no longer owed given that we have the receipts of payment from the original creditor ( XXXX  ). The collection agency continued to call and harass despite being told that a request to validate the debt is important and that a substantial proof is needed to show in good faith the debt is owed.

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 card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been an account holder of a XXXX/Citibank Visa for nearly 9 years. My credit limit has always been a steady XXXX - my account is current and presently has a XXXX balance. I have never received an account review, an increase ( or decrease ) in my steady limit. One week after I lodged a complaint against XXXX  due to inaccurate information on my report, and a consistently low and dragging score ( 60-70 points under all other major scores ), I received an email from Citibank notifying me that my credit limit has now been reduced from XXXX to XXXX. I called to lodge a complaint and was unable to remedy the situation. I have no idea why this action was taken as my credit scores previously were much lower than my current score, and no action was ever taken to decrease my credit limit. This impacts my available credit and potentially lowers all scores at all 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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned Paypal had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. Paypal refuses to close the account while it is under investigation with their collections company, XXXX XXXX. 

** Strangely both XXXX XXXX and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent Paypal account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!

Company response to consumer: Closed with non-monetary relief
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I called Equifax to have my dispute remarks reported as now resolved XX/XX/2021. I waited the 30 days however one acct did not get fixed. I called again on XX/XX/2021 and was told it was upgraded to the consumer affairs department due to a glitch in there system and would be resolved in 72 hrs plus I would receive a phone call from them at the 72 hrs mark. No phone call, no repair for my comment to say no longer disputed by consumer. I called again XX/XX/2021 and was told they upgraded my complaint yet again. I called back today XX/XX/2021 and was hung up on, no rectification of issue. This is impacting my family and I life. All that needs to be done is my comment to be changed that I no longer dispute this item. Please help Im trying to buy a house and am suppose to close in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: SC

Complaint narrative:
It has come to my attention that FAIRWAY INDEPENDENT MORTGAGE COMPANY  has stopped paying the insurance on my home. I have been told by my insurance company that I have 20 days to pay insurance on my home or my XXXX XXXX XXXX XXXX XXXX would be cancelled. The insurance has not been paid for two months now. 

To my knowledge, there is an insurance agreement on every mortgage secured by the United States incase of default on the loan ( 7 CFR 1901.508ii ). The note given to FAIRWAY INDEPENDENT MORTGAGE upon closing of the home was to insure the security of the property. I do not believe the mortgage has fulfilled their obligations to the consumer. 31 U.S. Code 5118 - Gold clauses and consent to sue, specifically says that the note given was to be exchanged dollar for dollar payable in United States money. Which the company is to receive at the Treasury. I am unsure of what actions were taken and I request full account of the Principals account. 

There is an escrow account. Created in the name of the consumer, XXXX XXXX XXXX XXXX. I know there is an escrow account because my insurance company has sent me an email, explaining to me that FAIRWAY MORTGAGE COMPANY escrows my premium. This is my second attempt to reach the company. Providing them with Delegation of Performance ; Assignment of Rights through the law of agency. As the owner of loan/account XXXX, I demand the release of my note and all interest incurred. 

As the Principal, surety, creditor, and owner of that account, I have demanded that FAIRWAY INDEPENDENT MORTGAGE release the escrow account to me. I have given notice to the company and this CFPB complaint is to insure that the company receives this notice. I have had prior dealings with this company and this is the only way it seems to get a 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: SC

Complaint narrative:
There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. Any bad debt furnished on your reports are ruining my reputation and its defamation of character. 

XXXX XXXX {$80.00} XX/XX/XXXX XXXX XXXX {$80.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
This company is reporting multiple debts on my credit report. Ive sent a certified mailed letter asking the company to verify the debts and I have not received a response. 

The debt verification letter was sent XX/XX/2021 And received XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
So I had received a call saying a owed money for XXXX XXXX XXXX XXXX but i thought it was a scam and i cut the call. However, I received a main XX/XX/2021 stating that this was an attempt to collect debt. I contacted XXXX  and they said I don't owe anything and nothing was reported for collection. I called the number on the letter and they stated that enterprise doesn't have information on this, which is clearly not true. I genuinely think this is a scam because I have never rented a car with XXXX and and confirmed with them too that I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
53rd mailed me a solicitation for a {$550.00} bonus promotion ( see attached promotion ). I met with a local bank representative, XXXX XXXX, who encouraged me to bring in an extra {$15000.00} to meet the full bonus, which I did. She stated it would not be a problem having it applied. After waiting 90 days, I noticed only one of the bonuses for {$250.00} was applied. I then tried to call and email them for months. They didn't answer their phones, return emails, or even respond to requests from their Customer Service to call me back ( see attached correspondence ). After many months, I was finally able to reach the branch manager, XXXX XXXX, when they directly connected me to her. She incorrectly stated the balance fell below $ XXXX for " several days '', so the promotion would not be honored, but would research it and I would not have to follow-up. Again I didn't hear back for months. The balance was only below $ XXXX by {$55.00} for a few hours on XX/XX/2020 because a third-party, XXXX, did an authorized debit that was instantly returned the same day on XX/XX/2020 ( see attached screenshot ), but 53rd applied it the next day. They've used that as an excuse not to honor their promotion, even though I've kept $ XXXX in the account for 16 months without any interest paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
My visa cash app card was charged 3 times today XX/XX/2021. {$210.00}, {$220.00}, and {$58.00}. My phone alerted me of the charges. They were at XXXX in XXXX, MA. I called XXXX security and they reviewed their footage and could see where the transactions were made, but there is nothing they can do. I reside in XXXX, TX. I reported to cash app as well and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I leased a number of cars with Ford Motor Credit. My last experience was quite bad and due to the fact that the ownership of the local dealer we did the lease with had changed. I was told they were working with FMC to resolve issues but in the end FMC said they had done nothing. I had extended the lease, paid the extra amounts, etc. We had the car inspected and spoke to our local dealer about changing with a new lease ( and in those cases they often waive any wear+tear issues ). We also spoke to a few other local Ford dealers who made similar promises. But then because of timing they inspected the car again - and this inspection was completely different, damages disappeared, etc. We had no work done on the car in between. We decided NOT to lease again from Ford, primarily because Ford quality had gone done and at the end of the 3 year lease we were seeing more quality issues. This car had a major tech glitch and many other problems, and some of the major repairs were in the last 3 months of the lease. There were also recall issues that added an ownership burden ( dealers are not near our house so we always lost a day of work when we had these ). After we turned the car in Ford did a THIRD inspection. Now we had double problems over the first inspection, and also different from the 2nd. These inspections were not repeating the same findings at all. We waited some time and then Ford came up with a LARGE amount for wear and tear and excess mileage ( almost {$2000.00} and we had down repairs, replaced tires, etc in last 3 months of ownership ). We owed excess mileage but we wanted an understanding of how these inspections could be so far off. I called and spoke to the dealership and they said it was crazy but ownership had changed, they did not want to be involved ( nothing in it for them ). FMC said it was a dealer level issue. I spoke to multiple people at FMC, escalated it to manager level. They said they never saw anything so crazy, would promise call backs, nothing happened. Then FMC said they were charging off the balance - so we paid the entire balance even though they disagreed. However, FMC KEPT IT ON OUR REPORT as a charge off, damaging our credit for years which means we lose additional money AND they never resolved the inspection report discrepancies or took any ownership. In the future I would hire a lawyer immediately, lesson learned. FMC recently removed the months of charge off but it was technically NOT a charge off and we request that they remove it as such. It is a closede account, paid in full. Closed in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We were closing on a house XX/XX/XXXX. XXXX ( My Girlfriend ) received an email from the " title '' company saying we needed to wire the funds over before closing. Shortly after we wired the funds we got a call from our real title company confirming our appointment for today and at that point we confirmed the funds were sent over and they informed us they never asked for the funds. The email we received can be found in the police report along with the other emails from the title agency we received before this fraud email.

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 — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
This company XXXX ... they send a balance to collection which it was paid off and they resist of taking this information of my credit report which they are still reporting to all 3 bureaus that the account its charge off as well as bad credit. which this account was paid off by me. XXXX Original creditor : - Balance updated XX/XX/XXXX Account Info Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney they are reporting and i have complaint to them. and they said they will not stop reporting for 7 years beacuse they are a major corporation and i can do nothing about.

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: CA

Complaint narrative:
There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX AmT {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX 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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
During the months of XXXX XXXX and XXXX there were inaccurate billing issues. XXXX of 2020 the company reported to the credit companies that I had made a late payment. I have two bank accounts, one ending in XXXX and the other one ending in XXXX. I had made my payments accordingly, then kept getting notified that the account was not found. XX/XX/XXXX my payment was returned, XX/XX/XXXX was attempted to pay again, returned, XX/XX/XXXX was attempted, returned, then XXXX was processed. They can not explain what happened, my bank had no issues ( who I contacted ) and Ive used the same accounts and the same processing for my payment every month for the 3 years Ive had the account. They made me pay multiple fees and it clearly states I was properly making the payments and now it affects my credit score dramatically.

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