vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: MO

Complaint narrative:
I originally disputed XXXXXX/XX/XXXXaccount with Equifax specifically asking them to verify this account ... and if the account was verified I wanted them to send me all documents supporting this account .... Eqiufax has failed to supply me with supporting evidence as I am entitled to according the FCRA consumer regulations ... ... they never sent me any thing verifying this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: IL

Complaint narrative:
Midland sold my debt to XXXX XXXX XXXX. I am unsure as to why Midland keeps reporting my debt. I contacted XXXX XXXX firm twice per the attached letters and have not received what I requested. I then proceeded to contact XXXX to dispute all this and XXXX along with Midland stated that the debt was correct without once again providing me with the information I requested. Again, Midland should not be reporting this debt since they sold it and XXXX XXXX did not provide me with the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
complaint # XXXX The company has not responded to the above complaint but continues to send bills, noting first/second notification on the bill as a bully tactic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
( my earlier complaint somehow got lost?? ) I received a car loan for a XX/XX/XXXX XXXX XXXX from U.S.Bank, XXXX XXXX, XXXX County, XX/XX/XXXX. It was paid off XXXX. The bank recognized the payoff XXXX and the XXXX County Clerk 's Office, Auto Titles, still have no record to clear my title. Two branches of the XXXX XXXX XX/XX/XXXX ( XXXX and XXXX ) have been contacted at least 7 times. I get apologies, no action that gives results Likewise for the XXXX and XXXX XXXX County Clerk 's Office. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I recevied a letter dated XX/XX/2020 from TCF Bank referencing a loan I never took out. They state payment was due on XX/XX/2020 but don't include the amount due. Just a " $ '' When I called the # on the letter it was for a TCF Bank collections department. I did not wait to speak to a representative because this appears to be a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: ID Analytics, Inc.
State: TN

Complaint narrative:
On XX/XX/2020, I applied for a credit card with XXXX. This activity is managed by XXXX XXXX. On XX/XX/2020, in an email response, I was informed " Your request was denied for the following reason ( s ) : Unable to access credit bureau due to freeze or lock ''. In another section of the email message, it identifies the reporting agency as SageStream , LLC. While it is true that I have placed a freeze on my credit report with XXXX, XXXX, and XXXX, I was not aware SageStream existed as a credit reporting agency and as such, would not have known to request a freeze with this organization. 
I attempted communication with SageStream LLC and while a phone number for Customer Service is published, interaction is entirely via voice prompt and there is NO OPTION to talk with a real person for issues that are not included on a narrow list of services. 
My application for credit to which my credit score would entitle me is being rejected as a result of SageStream consumer relations practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I took advantage of the Forbearance Covid19 program through Specialized Loan Servicing in XXXX. The Forbearance program began on XX/XX/20 and ended on XX/XX/20. I called on XX/XX/20 to setup payments as instructed By Specialized Loan Servicing. I setup the payments on XX/XX/20 to get everything caught up and made the first payment that day for {$480.00} per their instruction. In XXXX I applied for a loan through another company to purchase a house, Initially my credit report came back fine. The loan company ran my credit again just to verify and it had a 60 day late payment on there from SLS. I called and asked them what the issue was and through several calls I discovered that they had applied my first payment listed above incorrectly and then falsely reported on my credit that I had late payments. I requested a letter from them saying that they reported incorrectly on my credit and they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
THESE ACCOUNTS ARE FRAUDULENT AND DON'T BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: SC

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DON'T BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2020 I paid XXXX dollars to what I thought was a main XXXX breeder. I signed a contract and have about 40 emails with them about how the process works. I paid through chase and I was told that if I pay through chase and do not get the cat I will get my money back and they will dispute it for me. And today I found out ( XX/XX/2020 ) that I will not get my money back through chase. That I have to file complaints and hopefully you guys will find them and shut down their website. Chase said there was nothing to do even though it is through chase and bank accounts are set up on chase. I want my money back and expected chase to help me when they said they would, and they said that before I paid the XXXX dollars to the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: ID

Complaint narrative:
My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not 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 explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
XXXX sold my debt to Kohn Law Firm. I am unsure as to why XXXX keeps reporting my debt. I contacted Kohn Law firm twice per the attached letters and have not received what I requested. I then proceeded to contact XX/XX/XXXXto dispute all this and Khon along with XXXX stated that the debt was correct without once again providing me with the information I requested. Again, XXXX should not be reporting this debt since they sold it and Khon Law did not provide me with the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Smith, Cohen & Rosenberg LLC
State: NC

Complaint narrative:
There is a collection reporting to my XXXX  credit bureau as of XX/XX/2020 from XXXX XXXX in the amount of {$44000.00}. I have never personally borrowed anything from the orginal creditor being XXXX XXXX XXXX or XXXX XXXX. Never i have personally borrowed anything from these two companies and this was removed over two months ago and not it is back on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: ID

Complaint narrative:
My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not 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 explanation
Consumer complaint received 2020-11-09 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: ID

Complaint narrative:
My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
I refinanced my mortgage in XXXX, with the first payment scheduled to be due XX/XX/XXXX. The originator for the mortgage was XXXX XXXX XXXX. Immediately after closing, XXXX XXXX transferred servicing of my mortgage to The Money Source ( TMS ). Subsequently, on XX/XX/XXXX, TMS again transferred servicing of my mortgage to XXXX XXXX  XXXX d/b/a XXXX XXXX ( XXXX ). Since the transfer was barely two weeks before the payment due date, I was unable to make contact with XXXX and set up payments in time. Therefore, I sent my initial payment to TMS on XX/XX/XXXX via my bank 's bill pay. Today I received a notice from my bank stating that the payment sent to TMS was refused because TMS closed the account. I believe this refusal to post the payment was in error, since I should be allowed to make payments to the original servicer for 60 days following the transfer of the mortgage. 

I have since then made contact with XXXX and was able to set up payments. However, I still have concerns that my initial payment, due on XX/XX/XXXX, might be received late due to an error committed by TMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I reached out to Citizen One Consumer Loan Service for a 10 day payoff on my Truck loan to be faxed to XXXX XXXX XXXX I gave them a name and the fax number to who they needed to fax it to. I reached out to Citizen One Consumer Loan Service on 5 different times and they told me 5 times it will be faxed to XXXX XXXX XXXX within 24 hour but after reaching out to the Loan Officer she stated as of yesterday she has not received the 10 day payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NC

Complaint narrative:
As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on Transunion that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my Transunion cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
As of XX/XX/2020 i have been in contact with Bank of America over an account they chose to close on a business decision unbeknownst to me which has caused a 50day hold on XXXX i can not pay my rent my credit and bills are all over due and i have to be out of my current location in 20days and have a XXXX old daughter with no place to go due to the lack of communication with Bank of America and there policies and procedures they do not follow! no answers and no contact from XXXX i had to contact them every week!

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 monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank Financial services is claiming that I have serious delinquency on my XXXX  Credit Report, but I have no serious delinquency accounts or collections accounts. Citibank has and will not answer my phone calls. I have contacted XXXX and XXXX, and they have no information regarding my accounts being late or charged off. I spoke to XXXX at XXXX and they were incredibly rude and absolutely refused to give me the identification number for the call and continued to degrade and offend me. They had a serious attitude and would not help in anyway. They tried to connect me to the disputes department multiple times and I said I did not want to talk to them until I obtained the identification number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern : I ( XXXX XXXX XXXX have reviewed my credit report and see that your company has listed an account XXXX XXXX XXXX bank card XXXX on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. I have never had an account with this company nor have I did any business with this company.

Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you.

Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is my second complaint regarding this company. XXXX XXXX XXXX who has sent this to XXXX XXXX XXXX XXXX, XXXX.. They are requesting me to pay XXXX to them regarding a Capital One Bank XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from XXXX XXXX XXXX stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that XXXX had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from Capital One Bank stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.

Company response to consumer: Closed with explanation