vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
I WAS EFFECTED BY MULTI DATA BREACHES & HAVE THIS ACCOUNT UNAUTHRIZED ON MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Companies Involved : Kohls Credit Card I have kohls credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay 1000s of dollars extra in interest payment. I always keep this autopay enabled for my credit card. 

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I XXXX XXXX looked a my credit report and notice Online Information Services reporting to my report. I then contacted Online Information Services and the company to validate the debt and to provide the original contract but, I never received it. Online Information Services replied with a letter that was in XXXX  of my consumer rights. Under the FDCPA XXXX XXXX XXXX. ( XXXX ) and XXXX XXXX XXXX. ( XXXX ). I XXXX have tried to contact Online Information Services to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I am the mother of the minor child XXXX XXXX XXXX my name is XXXX XXXX XXXX I received a call stating my child have a bill in her name they used the same social and birthday but the year was wrong they had XX/XX/XXXX when her birthday is XX/XX/XXXX making her only XXXX it made her seem like she was an adult when she is not so i took it upon myself to pull her credit using the year they provided and was shock to my finding this account is for my minor child she have XXXX i will enclose in this dispute her birth certificate he social and a bill for me and my temporary driver license this is an fraud account and please remove from this minor account and correct her birth year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: LA

Complaint narrative:
Credit control , LLC is trying to collect on a debt that is the was result of identity theft. 
XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. 
This debt is not owned by anyone in this household. 
Also XXXX XXXX XXXX was told that the account was the result 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 2021-10-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reason : TransUnion and XXXX said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. TransUnion failed to verify.

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 2021-10-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending letters to the credit bureaus for a vehicle loan that has been appearing on my credit file. According to federal law, the creditor is to provide me with the original documentation when requested. I have mailed them a request for method of verification and supporting documents since XXXX. The only response I am getting from the bureaus is that they can make a decision without having to contact the lender. I have rebuttled their argument by stating that they have to provide me with all the original documentation to prove to me that this is my account and they are not able to produce such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
During Covid, our mortgage company at the time, SunTrust, allowed us to put our loan into forbearance due to hardship. They sent a letter indicating there would be no fees or penalties while in forbearance. We went into the process with approx $ XXXX left on the loan. 

At the end of the year long forbearance, we agreed to move the unpaid $ XXXX to the back of the loan and pay in a lump sum at the end of the loan. Our next mortgage statement at the end of forbearance showed we owed $ XXXX. Apparently they added the $ XXXX to the end of the loan and didn't take into consideration that it should be removed from the main balance... not just added to the end of the total as if we borrowed another $ XXXX. 

I contacted SunTrust to ask them to explain how the amount was added on as if borrowed additional funds when the initial forbearance paperwork stated that I would not incur fees or penalties. I went to the XXXX. During the entire time and every phone call, SunTrust would not give me a calculation on where they got the added on funds ( without removing them from the original balance ) and even hung up on me when I pushed for calculations.

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 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2021-10-28 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have been sending letters to the credit bureaus for a vehicle loan that has been appearing on my credit file. According to federal law, the creditor is to provide me with the original documentation when requested. I have mailed them a request for method of verification and supporting documents since XXXX. The only response I am getting from the bureaus is that they can make a decision without having to contact the lender. I have rebuttled their argument by stating that they have to provide me with all the original documentation to prove to me that this is my account and they are not able to produce such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus has locked my savings account and won't disclose anything for 1-2 days.

I opened a new account at XXXX XXXX  on XX/XX/2021 and initiated ACH transfer from XXXX app to transfer over all my funds ( about {$6400.00} ) from my Marcus savings account. On XX/XX/2021, XXXX informed me that they had to cancel the transfer because Marcus refused, and asked me to try initiating the transfer from Marcus app. 

So on XX/XX/2021, I initiated ACH transfer from Marcus app. Marcus gave me a call at XXXX XXXX  ET, but I missed the call and later in the night found out that they just locked my account and funds. It says " temporarily locked ''. I called their customer care as soon as I could today on XX/XX/2021 at XXXX XXXX ET, and they said that they just had to verify that the XXXX account is owned by me before they could do anything, and to that end they had to put XXXX XXXX  on conference call along with me, but that XXXX XXXX 's customer care wasn't open at the time. So they asked me to call back after a few hours when XXXX was open, to proceed with the bank account verification process. 

I called back at XXXX XXXX  ET, went through the phone verification to prove that I was the Marcus account owner. They then put me on hold for a few minutes to go ahead and verify XXXX 's account, came back and bluntly told me that they'll get back to me in 1-2 days. When asked why would unlocking my account take 1-2 days, they refused to give any information and said that they can not disclose anything to me at this time. 

So how is a financial institution allowed to do this? They're locking up my funds and are saying that they can't disclose anything despite me having proven that I was the owner right at the beginning of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
Companies Involved : XXXX Credit Card I have kohls credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXXs of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing 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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Companies Involved : XXXX Credit Card I have XXXX credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXXs of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
Companies Involved : XXXX Credit Card I have XXXX credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXX of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing 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 2021-10-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting a {$20000.00} credit card as closed which dropped my credit score dramatically and greatly decreased my available credit. The card account is not closed. I have never been late and have never missed a payment. I've contacted card company who confirmed card account is open and has never reported any derogatory information to any credit bureau. Only Experian is reporting and reflecting negative inaccurate information. I've called numerous times only to be transferred and left on hold. I don't know what else to do. This is so wrong and frustrating. Experian is reporting negative inaccurate information about not only my account but my authorized user as well. We really need your help. Has Experian hurt anyone else 's credit score? How is this allowed?

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 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Kohl 's keeps sending me emails requesting payment of {$290.00} for a Kohls credit card. 
I have called Kohls 3 times and told them I dont have a Kohls credit card. This could be a case of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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