vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I moved into a new apartment in XX/XX/2020. I had XXXX cable TV and Internet service installed on XX/XX/2020. The internet never worked from the day it was installed. I called customer support and they had 5 different technicians over to the apartment to try to fix the internet service. The service techs indicated that this particular building is a " known problem '' to XXXX and many other residents also experienced the same problem, namely no internet service. As this was over the covid crisis and I was required to work from home and required to use the internet for my job function, I was financially harmed as my employer refused to pay me since I could not get my work done online and had to drop off work files instead which my employer could not eventually use. I was financially harmed and lost income of over {$15000.00} during the two months the internet did not work. XXXX kept promising to adjust the bill and credit my account for {$120.00} each full month that I was billed for internet. I called XXXX over twenty times to speak to a billing manager but was always advised that no one was available and was assured that a billing manager would call back to properly adjust the bill for the lack of internet service. I never received any response from a XXXX representative or billing manager. I request a credit of {$300.00} for the internet service that I never received, yet XXXX continued to bill me for. I terminated XXXX on XX/XX/2020. I called XXXX XXXX and they installed internet service for me that has worked perfectly since it was installed. See attached work orders for XXXX technicians that were never able to correct their failure to provide internet service. I am being harassed by Sunrise Credit services, a collection agency that XXXX is using to collect the fraudulent charges they have billed me for. I never received internet service, yet XXXX continued to bill me and refused to issue a credit. I believe this constitutes consumer fraud and respectfully exercise my legal rights under the Fair Credit Reporting Act. 

Thank 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 2020-12-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -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 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial CorpXXXX no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. 

First Franklin Financial Corp., a subsidiary of XXXX XXXXXX/XX/XXXX Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. 

Please note we do not have a Bank of America account number. 

This is added information to the prior complaint that I have filed on XX/XX/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 2020-12-01 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.

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 2020-12-01 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: FL

Complaint narrative:
On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and may have gone into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XX/XX/XXXXdata breach and may have gone into the wrong hands.

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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2020-12-01 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have requested numerous times to provide me with the correct information and they have ignored it. This debt does not belong to me and asked for them to verify that it does and has failed to do so on many occasions. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( PORTFOLIO RECOVERY ASSOCIATES ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The only information provided is for the following XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the account was opened on XX/XX/XXXX why do I not have all the statements and payments as I have asked many times. 
How come I havent gotten anything that shows this was actually mine with my signature. 
No proof of license in my state as asked No contract providing my signature or sold receipt showing it was sold from the original credit. 

Also these account is also being inaccurately reported on my credit reports with multiple different information across all 3. 

Information provided from PORTFOLIO RECOVERY ASSOCIATES XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Sale done XX/XX/XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Refuses to investigate XXXX Refuses to investigate Summary showing sold XX/XX/XXXX Opened XX/XX/XXXX Letters sent from me to the company for validation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Upon looking at my credit report I spotted the following Inconsistencies and inaccurate and b/c I the FCRA I would like these negative items deleted from my credit report. Not my account was deleted now reappearing on XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: 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 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Purchased a car on XX/XX/2020, asking price was {$7100.00}, {$1500.00} down payment. After two weeks of having possession of the car, I hit a deer and my car was totaled. I have XXXX XXXX. XXXX paid Westlake Financial {$8400.00}. ( More then what the car was worth ). I had Warranty and XXXX XXXX. Westlake claims I owe additional XXXX dollars. I was told XXXX XXXX was supposed to pay any difference in the loan. Warranty was to come back to me. Westlake demanded the warranty money be sent to them and I end up with nothing. This is not right. Westlake is double dipping and getting way more then they should be. Every time I call, I get disconnected or hung up on, I call back and unfortunately, I dont get someone who speaks English. I then get transferred and hung up on repeatedly.! I have been trying to get this resolved. I have spoken to the warranty department, I have spoke to the Auto Dealership who also agrees, what they are doing is not right. I need help and no one at Westlake will respond to my calls.

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 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
My account has been placed with Halstead Financial Services. here are the details : Halstead Financial Services : Original Creditor : Credit XXXX XXXX| XXXX. 
Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$1600.00} I had not spoken to Halsted at all until today XX/XX/2020. My mother called and said someone from Halstead called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called Halstead today on XX/XX/2020 at XXXX EST and spoke to a XXXX  about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: 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 2020-12-01 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: VA

Complaint narrative:
I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against 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 2020-12-01 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Fraudulent account unknown person open account i was away on vacation on the time of purchase for this vehicle and two I can not drive because I am XXXX from the XXXX down so there is no way for me to drive any motor vehicle

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 2020-12-01 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: VA

Complaint narrative:
I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against 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 2020-12-01 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: VA

Complaint narrative:
I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Company response to consumer: Closed with explanation