vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
I have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.

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 2021-10-11 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:
I have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I made a payment for {$480.00} on XX/XX/21, it posted to my checking account XX/XX/21. Today is XX/XX/21 and the payment still has not be credited to my account. After multiple phones calls and promises of call backs I have not heard back from anyone to resolve this matter. Today is the XXXX day according to the information below and customer service is telling me it could still take until XX/XX/21 to credit my account. This is starting to make me feel like the company is not legit and I've been scammed. 

The following terms and conditions are posted on their website. 

When will my online payment post to my account? 
The payment cut off time for online payments is XXXX p.m., Pacific Time. This means, if we receive your online payment prior to XXXX XXXX., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after XXXX XXXX Pacific Time, your payment will be credited as of the next calendar date. 

When will the available credit on my account reflect my payment? 
In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the " Making Payments '' section of Agreement that governs your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have never done business nor signed any agreements with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
Somebody has my identity to open up account without my autherization. my birthdate was used same with my ssn. Franklin Collection SV i did not open nor had a account with them. The account number is the last XXXX XXXX and XXXX. The phone Number Is XXXX. 
Address XXXX XXXX XXXX XXXX, XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion credit reporting agency allowed a file on my credit report that doesn't even match my social security number. Due to this issue I am not allowed to manage my 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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
XX/XX/2021 I sent a complaint to the cfpb case number XXXX, in the company response 0n XX/XX/2021 Convergent Outsourcing Inc. is admitting to several violations I have list below in a attachment. I demanded for Convergent Outsourcing Inc. to remove this account from all consumer reporting agency immediately and monetary relief the violations committed. I sent them an email to the email provided in the response and also certified mail with my demands and invoice which I have all in the attachment below.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
XXXX TO CURRENT. PLEASE STOP ALL 2ND & 3RD PARTY CREDIT REPORTING AGENCY, SUCH AS XXXX, AND FIRST ADVANTAGE... ETC FROM PROVIDING MY PERSONAL AND/OR PUBLIC INFORMATION TO ANY AND ALL COMPANIES, INDIVIDUAL OR CORPORATIONS SEEKING TO KNOW MY CREDIT WORTHINESS, EMPLOYMENT OR EVICTION STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance is reporting different information to the different credit bureaus. Since the information is not uniform across all three credit reporting agencies it is not clear they even know the correct status of the account if I even have an account there.

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 2021-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a mortage with Bank of America the last week of XXXX, after speaking with XXXX XXXX XXXX XXXX XXXX. After applying she told me she would get back with me the next week and if she didn't, to leave her a voicemail. I left her a voicemail, the next week, and she never returned my call. XX/XX/2021 I made a formal complaint to Bank of America because they ran my credit, without giving me a determination. To this date, since XXXX, I have not received a determination from bank of america and I am qualified. I was even reassigned to another employee named XXXX, and she spoke with me once on XX/XX/2021 and she has never moved my application forward. No manager has reached out to me. XXXX XXXX XXXX stated that I am the only customer having this experience. 

I believe I was discriminated against because I am an XXXX XXXX XXXX first time homebuyer. XXXX XXXX XXXX stated that I am the only customer experiencing this. I am a qualified homebuyer who has been a XXXX XXXX for over 8 years, there is no reason why I have not been given a determination since XXXX. I even provided all the needed documentation.

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 2021-10-11 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: MD

Complaint narrative:
Experian is reporting a bankruptcy on my credit report and they claimed to have verified it with XXXX i received a copy of my XXXX report and there is no Bankruptcy being reported on my report so this is inaccurate so please investigate and send me your findings thank you in advance

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 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
Saturday XX/XX/XXXX, XXXX- Received a letter and 5 pages of medical records referring to my wife 's XXXX at XXXX XXXX XXXX. The letter was from " rmp '', a collection agency branched in XXXX, NC, and based in XXXX, TX. ( Please see attached files of the scanned documents and envelope. ) The envelope and letter were not professional looking which added to my suspicion. 

I called my health insurance company and described what had happened. The result of the conversation was that it was probably a scam. 
I have never received a bill for the claimed amount of {$990.00} from XXXX XXXX. If I had, it would have been paid. I have a XXXX credit  score which would be much lower if there were any validity to this claim. 

To pursue their effort, I received a phone call from XXXX at XXXX this morning ( XXXX ) from a male who claimed to be from rmp and wanted to discuss how I wanted to pay the {$990.00}. I called his bluff by telling him that this claim was fraudulent and what my credit score was. Then I asked him if he thought there could be a legitimate claim against me. I was talking to a dead phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
Rent Recovery Solutions Disputing a collection amount of {$160.00}, original lender is the XXXXXXXX XXXX XXXX XXXX  The Collection agency is Rent Recovery Solutions. 
Disputed charges with XXXX on XX/XX/XXXX and called Rent Recovery Solutions and XXXX XXXX XXXXXXXX XXXX. 

The XXXX XXXX XXXX XXXX told me that they would call the Collection agency to get the account removed since I never lived at the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ACCOUNT # XXXX I received my Capital 1 's Auto statement on XX/XX/XXXX reflecting my XXXX bill is due on XXXX in the amount of {$520.00}. I paid {$600.00} on XXXX. I have always paid the bill shortly after receiving the statement ; however this time 2 my bill still showed balance due two weeks later. I called and spoke to a representative at the end of XXXX and he stated the payment had been applied to my principle and not as a payment and that he would correct this. 

On XX/XX/XXXX I received a notification that my account was past due. When I called the I spoke to a representative by the name of XXXX, she stated that my payment was still being applied as a payment to my principle instead of my bill and that she would submit a request allocated to separate the payment correctly ; however there still has not been any change. I am still showing past due now with a balance of {$1100.00}. I have already paid this bill and currently am being penalized for their " systems ineptitude ''. They have ignored my request for 2 weeks and this will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX XXXX XXXX  is reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I disputed the credit card expenditure I made for XXXX XXXX XXXX run by XXXX real estate ( Property Payment Rent on the credit card statement ) in XXXX due to the promise they could not keep about the service I should have gotten. And, the company and I solved the dispute on XX/XX/2021. They refunded me {$300.00} and I had the bank release the payment of {$300.00} to them. We got even. 

I have gotten a call and letter later on from National Credit Systems ( a debt collector agency ) claiming that I have a {$300.00} debt to them. I have told them that I have already paid the debt to the company and I do not owe anything. 

I have also mailed them the letter I got from my bank about the resolution of the dispute and the automatic payment made to the company afterward. 

I kindly request your help to resolve this matter by canceling the debt I allegedly owed to the debt collector agency and have them revise its record. I have also requested the repair it has caused to my credit score. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: SC

Complaint narrative:
Capital One have over 4 different hard inquiries on my credit file. I been contacting the credit bureaus since XX/XX/2021 regarding these inquires but they still hadnt been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and 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 non-monetary relief
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

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 2021-10-11 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:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

Company response to consumer: Closed with explanation