vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 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: One Technologies, LP
State: TX

Complaint narrative:
I received a Phishing email stating that my credit scores have changed from XXXX XXXX phony email If you are unable to see the message below, use this link view. 

XXXX XXXX XXXX What's your XXXX  Credit Score? 

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YOUR SCORES - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Texas XXXX I looked up the address on the internet and this is what I found from someone. 
One Technologies XXXX XXXX XXXX XXXX XXXX, TX Computers ... 
XXXX XXXX XXXX-XXXX Get directions, reviews and information for One Technologies in XXXX, TX. ... XXXX XXXX XXXX XXXX, XXXX, TX XXXX ... This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and ... 
Here are some more notaions from other people being abused by this company One Technologies in XXXX. 
XXXXPrevious review This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and now are refusing to give it back!!! There reasoning for the denial of refund is : Refund was requested after billing date.!!!!!! 
You reallllly want to see me in court??? A single mother, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX! I never solicited your services and only wanted a refund but now I'm feeling harassed and my XXXX XXXX is through the roof. Guess I have no choice but to take legal action against this multi million dollar company that has recently lost a class action law suit for the exact same thing! 
This was so senseless XXXX  XXXX XXXX Read more Photo of XXXX XXXX. 
XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XX/XX/XXXX This company owns XXXX and they are a total rip off. Was charging my account {$40.00} a month and finally tried to dispute it. Had to go to visa

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TX

Complaint narrative:
The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX Mobile Phone account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.

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 2021-01-16 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: TX

Complaint narrative:
The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.

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 2021-01-16 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Huntington National created an unauthorized credit entry on my credit reports. After noticing the inquiries, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove the unauthorized inquiries. The company did not provide me with a document bearing my signature stating I gave them authorization to run my credit. They requested more information from me via letter on XXXX XX/XX/XXXX. I returned a certified letter with the information they requested on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Lane Bryant/Comenity Bank had been contacting people they can that are allegedly associated with me. They have been contacting XXXX XXXX ( I don't really know him well ). His mother contacted me ( who I do know ) because Mr. XXXX XXXX is tired of Comenity Bank harassing him. 

Test copied below : XXXX called again and it's a lane Bryant acct and its thru comenity bank for XXXX XXXX # is XXXX XXXX XXXX The worst part is I live in a state where Comenity Bank can't even tell my spouse if I have an account. " a non- spousal state '' This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the date of XX/XX/21 i noticed fraudulant transactions totaling up to XXXX i then filed a claim with wells fargo immediatley after. XX/XX/21 i recieved an email saying my claim was completed so i called wells fargo again after seeing that my momey wasnt deposited back onto my account, and they informed me my claim was denied. They stated that since my pin was used and the chip was read that it all transactions were authorized which os completly inaccurate and XXXX. The card i have still in my position is the card used for transactions but i never used it NOT ONCE plus it was an instant issue card that had NO CHIP. After the 4th person couldnt explain how thats possible and only said at that point with information provided it would stay denied. He told me i can have executive office call me which would tkake 2-10 extra business days. No one is telling me how its possible for trasaction details to say that the card XXXX was XXXX inserted and tapped, or how it shoed chip on there end when the card only swipes.

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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My amount different for principle I paid {$510.00} over the phone date XXXX but showing only {$480.00} My loan transfer from XXXX XXXX in XXXX. I did not request for Pay off, I instructed cooper do not issue payoff with out my approval. Pay off amount should added when closing happen, i am not satisfy with Mr Cooper the why doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
Portfolio Recovery keeps contacting me after I have told them that the {$400.00} debt, ( they list that I owe on my Credit Report ), is not mine. I have disputed this amount several times, with them, just to be ignored time and time again. I have even sent them nominal payments to remove this adverse mark. Covid 19 has not helped my monetary situation to continue to send them, even, a minimal amount to get this off of my Credit Report. They call day and night, and every day of the week. They even call me and hang up. They call and just sit there listening to the background. This negative Credit item will be removed XX/XX/2021, but the calls are ridiculous. My peaceful privacy has been abused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 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: IN

Complaint narrative:
On XX/XX/XXXX, Experian notified me of a 25 point decrease in my score. I reviewed my report on that day but their explicitly stated that there were no changes to my record or activity when I clicked to see the changes to my report. I asked their customer service on XXXX ( because the dispute center wasn't working ) but all they did was list possibilities that did not apply to me. They suggested that maybe I increased my balances or that I had a recent inquiry. When I told them that I had neither of those things happen, they told me that they couldn't tell me what happened because they were not a credit advisor. They also suggested that maybe the reason my score dropped without any changes in my history is because their categories of change have subcategories. 

If these subcategories are not listed on their site, I can not dispute them. They changed my score and I am not allowed to make sure that they got it right. They claim that I have the right to dispute but they haven't given me anything to dispute. Score changes are not allowed to be disputed. Only changes on record are allowed to be disputed. How could anyone know that they're being honest if I can't even see the mistakes to dispute them? 

Also, by the way, they claim that utilities are factored into your score if you opt into their XXXX  system. XXXX XXXX aXXXXd XXXX XXXX apparently isn't included. I could understand that if I lived in the middle of nowhere Wyoming but this is XXXX. Ever heard of XXXX or the XXXX? 

I don't recommend signing up for experian XXXX  as it could hurt your score without you having the ability to check if there are mistakes.

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 2021-01-16 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: GA

Complaint narrative:
THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX, TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
I refinanced my mortgage with Better Mortgage ( better.com ) in XX/XX/2020, and after closing, they instructed me to set up a new account with XXXX XXXX XXXX XXXX XXXX XXXX their servicing partner. My first payment in amount of {$1400.00} was due with XXXX for XX/XX/2020, and I made the payment in full on XX/XX/2020. 

After I made the payment to XXXX, a notice came in mail from XXXX XXXX that the servicing would be transfer from XXXX to XXXX XXXX. 

Also on XX/XX/2020 just after I made the payment to XXXX, there was an email from Better Mortgage Servicing regarding the transfer. In the email from Better Mortgage Servicing was the instruction : " If you have already paid XXXXBetter for the month of XXXX, we will pass your payment on to the new servicer and you can expect to see it post by the tenth of the payment month. " So, I expected my payment would be transferred to XXXX XXXX. 

The {$1400.00} I paid to XXXX was not posted to my XXXX XXXX account after the XXXX of XXXX. I emailed Better Mortgage Service inquiring about it. XXXX XXXX, Mortgage Expert at Better Mortgage replied and said that my payment was in process of being transferred, and that they had been advised by XXXX that these payments should be processed by XXXX XXXX and posted to the account by Monday XXXX XX/XX/2020 ). 

Today is XX/XX/2020. The {$1400.00} I paid to XXXX is still not showing up in my XXXX XXXX account, and my XXXX account shows paid-off with XXXX balance. After some more email correspondences with XXXX, they've apologized for the delay, promised to escalate the issue and let me know what was happening. Yet my {$1400.00} is still missing and I don't know where it is, and there is no update or follow up from XXXX. 

I'm very unhappy with Better Mortgage and their partner ( s ) that they transferred my loan with short and inadequate notices and further more lost my money. They have made promises that my payments would be posted by certain date on several occasions now, and yet I still don't have my money. 

I would like to know where my {$1400.00} is and get it either be posted to my XXXX XXXX account as a payment or refunded to me immediately. 

Please see the attachments for my loan and accounts information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I ordered merchandise from XXXX XXXX XXXX on XX/XX/XXXX and it was shipped to incorrect address. I called XXXX XXXX XXXX about the merchandise and they claimed they would credit my account when they received the merchandise back. They did credit my account by depositing the {$91.00} on XX/XX/XXXX that was billed on my Comenity Bank XXXX XXXX XXXX Credit Card. I had assumed XXXX XXXX  XXXX would give me a credit to the credit card used, they didn't. I had called the credit card company on XX/XX/XXXX, because my payment was due and I told them what had happened. I did not want any late fees or reports to the credit bureau for this error. When I went online to see what was happening on my account and pay the bill with the {$91.00} credited to my checking account, I was surprised to see ANOTHER {$91.00} added to my account along with a late fee and interest. Calling Comenity again, they explained they had " loaned me '' the disputed value of {$91.00} so I know owe over {$210.00} for merchandise that was returned to XXXX XXXX XXXX. Comenity bank told me today that I needed to contact XXXXXXXX XXXX XXXX and try to get a credit. I also tried calling XXXX XXXX XXXX but gave up when I was on hold for over 30 minutes. It is very disconcerting that a credit card company does not know the basics of accounting, the difference of a credit and debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.

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 2021-01-16 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: GA

Complaint narrative:
THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation