vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: NC

Complaint narrative:
Since XX/XX/2021, I have been sending letters to XXXX and Equifax in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( XXXX and Equifax ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with XXXX and Equifax for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX letter to XXXX for inquiry XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX again for XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX a third time and No removal. 

XXXX letter to Equifax for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to Equifax again for inquiry XXXX XX/XX/2021. no removal XXXX letter to Equifax and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from XXXX or Equifax comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I was informed yesterday, and it was admitted by the assistant branch manager at Ameris Bank in XXXX on XXXX XXXX that my legally separated spouse was given information about an account that she is not listed on with our bank. It is a joint account that I have with my son for his social security that she is not allowed to be listed on. Instead of calling the adult listed on the account, the assistant manager admitted to breaking protocol and giving the information to them without contacting an adult listed on the account. For the record, my son is underage and has no legal form of id. This is not an account that my child knows about, he has never utilized this account, and I have informed several people at the bank prior to this event that my wife has filed for divorce when I started a new account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Just received debt validation from company that verified the agency is trying to extort for double the amount. This needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: VA

Complaint narrative:
I submitted a claim to Experian thru the CFPB that I an a victim of identity theft, and there response was " the need authorization. I did check off the box on the CFPB that ask me to give permission. for the Second time, My name is XXXX XXXX and I GIVE AUTHORIZTION TO EXPERIAN TO CONITINUE WITH MY COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Technologies, Inc.
State: TX

Complaint narrative:
Here are the items reporting that are outdated and inaccurately still reporting after expiration. 
XXXX account paid in full as agreed XXXX exceed 7 year delinquent history rule for reporting. 
XXXX  account paid in settlement. 
XXXX XXXX Paid as agreed XXXX XXXX  Paid as agreed XXXX XXXX expired past 7 years reporting. 
XXXX expired past 7 years reporting. 
XXXX XXXX  expired past 7 years reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
The company began calling my adult sons cell phone, a number I have never used personally or listed on any account with anyone. My son explained that it was not my phone number but he could take a message, they repeatedly refused stating " we'll just try later '' and hung up before my son could say more. Finally, my son told them to stop calling because I could not be reached at that number and they hung up on him again. I called the number that they were calling from and tried to let them know that his was not a good number for me and has never been listed on anything for me. Since I do not know who they are or what they might be calling about, I would not " verify '' my personal information and when I would not, they would just hang up on me. I also explained to them that if this is about a specific bill ( the only one I have in collections ), that another company is also calling me stating that they are trying to collect this bill, so I need to verify who is supposed to be collecting this bill before I will give out any information. The lady just said, " oh no, it's not that '' and hung up. If the company is not going to identify themselves when asked or do anything other than hang up on me, it seems as if their intent is to harass, not collect. My understanding is that harassing phone calls, even from a legitimate debt collector, are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
The Department of Education/Navient stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
1.One Main constantly advertised in my XXXX XXXX account. 
2. I finally applied for a loan with One Main several days ago. 
3. I was pre Approved and then Approved for a loan and one main offered me approximately {$8000.00}. 
4. I received info in email stating again that I was approved and which stated I needed to verify XXXX XXXX XXXX. 
5. I received a phone call stating I needed to verify XXXX. 
6. I submitted every piece of verification to them. 
7. I submitted electronic verification of bank accounts by connecting one of my checking accounts. 
8. I was told again that I AM Approved and it would process within the morning. 
9. The next day came and my login dashboard for onemainfinancial.com still said VERIFYING and remains saying VERIFYING til this day and Pending. 
10. I called and inquired as to Why? 
11. I was told the underwriter now would like a copy of a tax return and proof of Direct Deposit or I will not get the loan at all even though Im approved. 
12. I explained I am a XXXX and do not have a tax return for my XXXX position and that I never said I received direct deposit and I do not. 
13. I received a call from the branch or district manager supposedly and discussed XXXX  Discrimination. She assured this is not the case however did nothing to over ride this refusal to give me the CREDIT WHICH I HAVE QUALIFIED AND BEEN APPROVED FOR AND SUBMITTED ALL ADVERTISED VERIFICATION FOR AND BEYOND. 
14. At this point I log in and my status still remains PENDING/REVIEW with one more step which is to finalize loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have tried contacting equifax on several occasions. They refuse to provide me access to dispute my credit report. They state I have an account and when I try to access or reset password it state account does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Caine & Weiner is attempting to collect a debt that is not valid. I have requested proof on XX/XX/XXXX in writing. I also disputed the account on my credit report. I requested a validation of debt along with requesting supporting documents binding me to a contract with them that they failed to provide. Instead they sent a verification of the debt letter on XX/XX/XXXX when I clearly asked for a Validation of Debt. They did not provide me the information requested and I demand the account be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX has inaccurately reported my account as late for the 2nd straight month, this information is inaccurate and XXXX said they fixed this last month XXXX XX/XX/2021 ) and admitted they reported inaccurate information, yet today ( XX/XX/2021 ) I received notification that once again XXXX has once again flagged/reported my account as late, again this is inaccurate as my account is paid in full until XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
I accidentally got locked out of my account and now they will not let me replace my phone number and get into my account! I've called and they've keep telling me that they are trying to work on it but never get back to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX : XXXX After being financially impacted by Covid 19, I decided to go into deferment. We were current at the time. The deferment period lasted 5 months, from XXXX to XXXX of XXXX totaling {$9900.00} and not reduced since. 
A payment was made for XXXX on XX/XX/XXXX which is reflected in the XXXX statement. 
The following month a payment made and the statement XXXX dated XX/XX/XXXX ) also looks accurate. Same story with statement dated XX/XX/XXXX ( screenshot of payments are attached ). 
When it comes to XX/XX/XXXX, you will notice that all of a sudden a delinquency notice pops up and now there is a past due amount of {$3900.00} ( exactly 2 months of payments ). No warning, and no trail. 

The delinquency notice has activity listed which I still dont understand, saying various payments were applied to several months. 
A payment was made every month, and 3 made in XXXX to cover the {$3900.00}, but I still dont understand where it went to. 

I need that amount refunded.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt 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 says it's mine. According to the FCRA, XXXX XXXX XXXX XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: IL

Complaint narrative:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with XXXX XXXX XXXX and Mr cooper and I should pay nothing to Mr cooper. Mr Cooper refused to admit the fact and asked me to make the payment until today XXXX XX/XX/XXXX XXXX. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer. Mr cooper doesn't actively contact XXXX XXXX XXXX and refuses to further help me on this matter. 
Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record, I request an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Westlake Services, LLC
State: FL

Complaint narrative:
check the following account that appears on my credit report, it is not mine, it is hurting me Identity Theft WESTLAKE FIN Account XXXX : XXXX This is 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 2021-07-15 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: IL

Complaint narrative:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FCC Finance, LLC
State: HI

Complaint narrative:
I was XXXX in XX/XX/XXXX about five months into my XXXX two accounts for FCC Finance appeared on my credit report file as an open account like I had established a line of credit or brought a product from this company. I have never done any business with this company at all so I would like for them to remove these accounts immediately as it is impacting my credit score. The Account states that it was opened in XXXX but never reported anything until XX/XX/XXXX. 

Account number. XXXX for XXXX Account number XXXX for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my 2nd request filing a complaint with you about this company. This information they they are allegedly stating is over 11 years old. The only answer I am getting is that the the company has verified this is not acceptable! They are also reporting that I made a payment and I have not! Experian has not done their due diligence regarding this matter!

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 2021-07-15 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX  XXXX OF : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - XXXX  XXXX  : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX  : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX XXXX  : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  XXXX NA  : XX/XX/2021

Company response to consumer: Closed with explanation