vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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:
Experian is not fair and doesnt do any investigation, they believe the big company without any evidence, XXXX XXXX XXXX  is trying to collect a debt and doesnt belongs to me they dont have any personal information about me, no social security number, no date of birth and no signature and the big deal here is that I disputed the wrong information with experian and experian damage my credit leaving this wrong information in my credit report, experian is wrongly giving the right to the big companies and is pushing down hard working people I think experian is doing fraudulent activity because they dont do any investigation and leave information that already was disputed and deleted, this account was already disputed before with a different collection agency many times I will upload last dispute and results ( XXXX and XXXX is the same ) please fix

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I opened a XX/XX/XXXX XXXX XXXX credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by XX/XX/XXXXXXXX XXXX via email and by Portfolio Recovery for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with Portfolio Recovery that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by Bank of America via email and by XXXX XXXX for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with XXXX XXXX that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
After Years & Months of confusion and stress. I finally have submitted a problem to consumer finance.gov about my ongoing issues with TransUnion. After Pulling all my credit reports and doing my own research I contacted TransUnion Customer Service and told them I believe I am a victim of an inquiry error on Tuesday XX/XX/XXXX. After talking with the operator she very quickly came up with the conclusion I was not apart of an inquiry error and that I should freeze my credit and call the banks of the inquiries I have listed on my report. I have 16 Inquiries on my TransUnion Report that I 100 % Did not Authorize Or Give Consent To these Banks/Creditors to pull my credit report at all and the 16 Inquiries I will leave all below with dates the inquires were made. 



TRANSUNION UNAUTHORIZED INQUIRIES CURRENTLY ON MY REPORT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX I proceeded to Talk with TransUnion Customer Service and even told them I contacted All the above banks and most of them told me the applications were flagged as fraudulent and I would have to file a dispute with Transunion. Unfortunately Since TransUnion is refusing to pick up my phone calls and even when they do the agent has a hard time explaining to me why they wont Remove the Negative/Incorrect Falsified inquires on my credit report which leads me to believe I am 100 % being treated unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I am a victim of identity theft. I have no idea who this person or persons are! I have resolved quite a few accounts this person/s has opened in my name. This is one of the last accounts I need to resolve!. I never apply for credit cards I never thought it was possible and above that have no desire to get myself into debt! I do not have one credit card and I pay cash for everything I own. Or use a pre paid debit card to pay for a couple of things online. I am a single mother who's income is low and I survive on what I can afford. Who ever is defrauding your company is getting away with it and leaving me holding the bag! I have never heard of this company before I found it on my credit report. I can't believe someone could spend {$1100.00} in my name and get away with it! This is with Original Creditor : XXXX XXXX XXXX, XXXX  CURRENT OWNER : MIDLAND CREDIT MANAGEMENT INC. PHONE NUMBER : XXXX WHO SENT A LETTER OF DEBT THAT IS IN MY NAME FRAUDULENTLY ON XX/XX/2020. I REPORTED FRAUD TO XXXX XXXX ON XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
This fraudster continues to harm me by fraudulently reporting " false personal x XXXX credit card balance '' every month for last 6 months to credit bureaus. This fraudster never stops violating FCRA. Now I am going to sue this fraudster for repeated FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 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: AL

Complaint narrative:
Experian having not fix the problem I was victim of identity theft if they can't provide identification card social security then someone use. My name not making my credit report no better

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: GA

Complaint narrative:
experian is reporting mortgage balances as too high when i have only XXXX XXXX  ( XXXX XXXX XXXX ) specialized mort was bought and paid in full by XXXX which was bought and paid in full by XXXX XXXX XXXX, experian show specialize was bought/transferred to another office thus appearing i have more than one mortgage balance which is not correct -thus lowering my score, the other two agencies report this correctly experian score shows XXXX points credit score lower than transunion and XXXX  on this date, experian was slowest in removing inquiries-i just requested XXXX be removed within last couple of weeks ( they just removed them )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Almost daily contact with mortgage representatives at Rocket Mortgage, a XXXX XXXX, XXXX XXXX, most recently XXXX XXXX, a XXXX XXXX, XXXX XXXX, and a XXXX XXXX. Ongoing process to attempt to close on my mortgage and empty promises on their end to follow through. Phone calls and e-mails are not returned or bizarre excuses such as not having the correct contact information for my HOA are given. I gave the information several times, however, the controller for the property management company for my HOA stated he never received any contact. They knew the information full well but were feigning ignorance. Finally, yesterday, XX/XX/20, I asked my controller to contact Rocket mortgage. He did, so they no longer had that excuse to hide behind for several weeks. However, this time, XXXX went out on emergency, but I was not to worry they have me covered, whatever that means, which I interpret as another excuse to drag this on interminably. This application has gone on nearly 4 months and is unacceptable. Always one excuse after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: AL

Complaint narrative:
Experian having not fix the problem I was victim of identity theft if they can't provide identification card social security then someone use. My name not making my credit report no better

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: GA

Complaint narrative:
I sent a letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address to request my free credit report from Equifax on XXXX XX/XX/2020. Sent a certified letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address on XXXX XX/XX/2020. Equifax refuse to update my address and send me my free credit report by mail, yet they was billing me for online access to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Hello, I've been having many issues with this mortgage company and was reading their reviews online and noticed that the positive ones are all " fake '' ( most have only 1 or 2 reviews and can not be validated ) by following up the trend. The negative reviews, however, looked real and exactly the same problems as mine. The company is reporting my payments wrong continuously and does not respond correctly to my concerns. They are very shady and worry me. 

An example of a negative review similar to my issue is below 4 weeks ago SHELLPOINT Mortgage is the most unethical mortgage SCAMMERS MORTGAGE COMPANY in existence. THEY ARE Scammers!!! My mortgage was sold to them after I purchased my home. Soon after I realized the horror of the schemes they carry out in order to add unwarranted fees. Even sending falsely reporting me to the credit bureaus in the highest point of a pandemic. They LIE and I had to battle it out with them and they still refused to remove it. The credit bureau informed me to make a note on my report. I did. Another way they scam you is adding late fee even when you are not late. 
Most people don't listen to reviews and some are so happy to get a mortgage and I understand, but I assure you that if you can get a mortgage from these people you can get it from someone else. Please ... I am please with you, DO NOT GET A MORTGAGE WITH THIS COMPANY!! YOU WILL REGRET IT!!! THEY ARE SCAMMERS!!! Go to your bank and try there and if you go with another company, find out if they will sell your mortgage to SHELLPOINT MORTGAGE. Have them put it in writing that they will not do so. THEY ARE ATROCIUOUS. They don't ebven deserve 1 star.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants and professional have created financial hardship for myself by damaging my credit with a debt that they can not properly validate and prove that the debt belongs to me. I have disputed this matter with them via regular mail and also with XXXX. Yet, Merchants and Professional continues to report this invalidated debt to 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 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was recently banking with chime and I was notified that ny account would be put on suspension until I provide said documentation. After I provided documentation my account was still closed. Now there telling me they wont issue a check to me but instead the originator would have to request it but they cant because they arent allowed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOWCOM/WESTLAKE FINANCA XXXX 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
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I booked airline tickets with a company XXXX using a barclays card number XXXX XXXX XXXX XXXX. XXXX issued fraudulent tickets not honored by the airline. I contested the charge, The credit card company sent ubnreadable correspondence from the merchant.I asked for readable copies .I asked by telephoning and in writing. The crediot card company never responded and demanded payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
Ria financial Continental  Exchange Solutions , Inc. dba Ria Financial XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX : XXXX ( XXXX ) XXXX I have been a customer of this company for more than 3 years. Suddenly and without explanation, my account was terminated. After spending hours on the phone trying to contact someone in customer service, the only response was that I am not allowed to use their service anymore and no other explanation. Looking online, I've seen many similar complaints about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TN

Complaint narrative:
XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and Equifax still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for Equifax is XXXX and there is no way that it can be verified when it is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX a debt showed up on my credit report as " in collections ''. The debt collector who listed it is Sequium and it is in the amount of {$210.00}. It also has " XXXX XXXX XXXX '' as the original creditor. I have not had an account with XXXX since 2015, and that account was paid in full and the equipment was returned. I have emailed Sequium twice. I have also sent them messages through their website twice, but have not received any response. In addition, I initiated a dispute with XXXX  through XXXX XXXX. I looked into this company ( Sequium ) on the XXXX XXXX XXXX  and they have 557 complaints filed against them. This entire situation is incredibly upsetting, especially since we are trying to refinance our mortgage ( which is how this fraudulent collection listed my credit report came to my attention ). I hope someone can help ... .thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: OH

Complaint narrative:
I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX XXXX XXXX Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance? 
2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. XXXX  shows a high credit limit of {$0.00} and Equifax shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX  and XXXX  both show {$2000.00} and Equifax shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
on XX/XX/2020, I called the creditor Nordstrom to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that Nordstrom never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company XXXX and settled to be paid, which cleared, and I received a born in full statement. Now Nordstrom is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of Nordstrom.

Company response to consumer: Closed with explanation