vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a collection call regarding a credit card that I have never received, or ever requested. 

In order to respond to my questions, they requested personal information. Since I had not initiated the phone call, I refused to provide personal information. They therefore refused to provide any information about what the call or balance was for. They were requesting a partial payment of {$50.00}. 

The company then sent me a text message that provided a link to again request my personal information. This appeared to very suspicious - I have always been told never to provide passwords or personal information to a request by text. 

I then received a statement in the mail - the account is stated to be with a COMENITY Bank for a BJ 's card. There is a stated balance of {$120.00} which includes late fees of {$69.00} and interest of {$2.00}. By subtracting these amounts from the balance, there appears to be an underlying charge of {$50.00}. 

The statement suggests that I have a {$750.00} credit limit. 

I never requested a BJ 's card, and have never heard of COMENITY Bank. I also have never received a physical card for the account. I am still not convinced whether the statement is in fact valid.The statement does not provide a full identification of the credit card number, and since I never received or requested a card - I do not know what my account number is with COMENITY Bank. If I seek resolution with that Bank, they require the release of personal information before addressing any questions or resolution. Since I am suspicious that the entire arrangement is a fraudulent, I will not release that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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:
Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Yes I looked over my credit reports, thanks to the weekly Free Credit report by XXXX XXXX XXXX  and see that there are unauthorized inquiries reporting on my credit reports by the Experian, XXXX and 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 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I'd like to formally submit a complaint against Shellpoint services for transferring over my mortgage from XXXX and basically making a mockery of cfpb transfer rules in place in the way they don't follow any of them. 

The attached statement alone shows of the fraud by XXXX. It took 10 years for me to pay off XXXX of loan and get it down to XXXX, and it took Shellpoint and XXXX 2 years you put back on a d even add XXXX. That's fraud. 

Shellpoint had the audacity to even hurry me through a foreclosure and get rid me. Then tried to say my options were modify my loan, at XXXX ( XXXX more than original note ) or sell home to them. 

So let 's start with intial transfer amount. I need thorough explanation on how you can to amounts in the attached 1st statement. Plus how you can just talk on XXXX like nothing you see in the activity of another statement ( also attached ). This is flat out fraud and discrimination for singling me out. 

They are literally showing they can and will do anything they like and those regulating them do not matter at all. If did, they would not be flying off the hinges like this doing whatever they like. I've received no nts for any foreclosure from Shellpoint. No explanation on how they configured amount. I'm just supposed to sit here and take it. Not happening.

I need Shellpoint to 1st explain these transfered amounts. Full explanation. 

Also copy if previous email I went off on them about all this will be attached in the rebuttle as well as screenshots of being in pre forclosure status taken this last XXXX. Not notified by them. I found out by just researching my home online. XXXX has tried to hold me down but now can't. I will come forward with everything. Including all violations by Shellpoint!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian refuses to delete inaccurate addresses on my report and i am worried it could lead to inaccurate information i have sent them numerous request to have these inaccurate unverified addresses deleted

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 2021-03-17 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: TX

Complaint narrative:
Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, XXXX and Transunion.

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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX I am writing this to delete the following information from my credit profile. The items that I am requesting to be deleted are listed in the report attached. I am a victim of Identity Theft and did not authorize the inquires listed. I ask that these Items be deleted and updated in order to correct my credit profile with accuracy and protect my consumer reputation. I have reported the theft of my identity to the Federal Trade Commission. Enclosed are copies of the FTC Identity Theft Affidavit. This inaccurate information has caused me to be denied by credit companies and personal loans. I have contacted the creditors and credit unions and have yet to receive any response in over 45 days I ask that per FCRA and FTC laws and regulations the accounts and information listed in this report be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
XX/XX/2020 Titan Receivables reported on my credit report and never sent me a debt collection letter. Than verified the debt to XXXX after I sent them a debt validation letter XX/XX/2020. They still have not sent me any documents proving how I owe them when I never had a account with them. There are still calling me after I sent a cease of phone communication with my debt validation letter. If they're collecting this alleged account/ money for another company. It is my right to know what there business relationship is and am entitled to all documents requested from titan proving that and the amount of the alleged original debt and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Its been a while and I have not had access to my checking account online since I do not have a US cell phone to send an SMS security code as a second identification. I've talked to Capital One numerous times requesting to use my email to receive the security code which is how I always had received it. I finally decided to close my account but Capital One will not release my funds unless they can send me a security code on a US-based cell phone. I have repeatedly told Capital One that I live in XXXX and do not have a US-based cell phone. I can not get a US cell phone without residing in the US. I don't have a US driver 's license. My IRS and XXXX correspondence comes to me in XXXX. A Supervisor, XXXX, Employee # XXXX told me to send in a fax for a Wire Transfer and gave me the fax # XXXX. I sent a fax on XX/XX/XXXX at XXXX East coast time. I call that evening to verify my fax was received. No one could give me an answer. I was told to call back in the morning. I called at XXXX XXXX  on XX/XX/XXXX and finally connected to the Wire Transfer department. After a long wait trying to find my fax, I was informed that they received my fax but they no longer accept faxes and I need to be verified by sending me an SMS security code on my US-based cellphone. XXXX, Employee # XXXX, said that is the only way I could send a wire transfer. Ive suggested sending a copy of my US Passport issued by the State Department but was rejected. I'll be XXXX on XX/XX/XXXX, living with my wife taking care of her mother who just completed her XXXX XXXX treatments in XXXX this year. We're living off our Social Security and our cash savings is extremely important to us. We do not need this kind of harassment to get our money out of Capital One and transfer it to the XXXX XXXX  XXXX XXXX XXXX. I have not had access for months to my online banking or credit cards to verify purchases and watch for any fraud because I do not have a US-based cellphone. We need our cash available to us for any unexpected expenses. Your assistance is extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$480.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I am filing this complaint because of the response that I received from Carrington Mortgage Company saying that they would not address my Error Resolution Notice under 12 C.F. R 1024.35 because it was a duplicate request. The mortgage company is claiming that they already addressed this information from an Information Request letter that I sent XX/XX/XXXX. I do not agree. These are very separate issues. The letter I sent in XXXX was requesting the ledger for our mortgage covering the time period that were in XXXX XXXX bankruptcy and an explanation of why the amounts overdue on the statements were incorrect. I thought that when someone ( s ) is in an active chapter XXXX bankruptcy that the mortgage company had to provide accurate statements. They waiting until the bankruptcy got to the end, then all of a sudden we find out that we owed more money. Why wasn't the statements updated to show the amount they are now claiming was due?. 

Attached are the letters that I sent to the mortgage company and the response I received from my Information Request dated XX/XX/XXXX. Their response regarding the mortgage statements does not make since to me. They had many months to fix the statements, why wait until the bankruptcy is closing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2021-03-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: TX

Complaint narrative:
Checkr background services is reporting a misdemeanor offense that was disposed with the courts over 7 years ago. My 7 year clock isnt starting with the offense date or date of sentence. Im starting the clock @ the day everything was done, completed, finished etc.. its been over 8 years Ive been denied job do you this issue that occurred about 9 years ago

Company response to consumer: Closed with explanation