vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
I was instructed today, XX/XX/XXXX by a Loandepot representative to submit a compliant to the credit bureaus regarding Loandepot because this was my 6th time research out to them to have my mortgage loan state close on my credit reports because it has my debt to ratio very high. 

Please note that Loandepot was paid in full on XX/XX/XXXX and I'm not understanding why it is taking Loandepot so long to change the status of my old loan with them from open to close. 

It been 6 months since I've been a customer with my current mortgage company : XXXX. 

I would greatly appreciate any assistance/help that you could provide on my behalf to get this mortgage company to comply with my request. 

I've included below one of my request to Loandepot back in XX/XX/XXXX to have this matter resolve. 

-- -- -Original Message -- -- - From : Customer Service XXXX To : xxxxxxxxxxxxxx Sent : Sun, XX/XX/XXXX XXXX XXXX Subject : Inquiry auto-reply We are in receipt of your inquiry and will respond in the order of receiving. 

Sincerely, Email Support AS OF TODAY SUNDAY XX/XX/XXXX LOANDEPOT STILL HAVE MY ACCOUNT AS OPEN. This is my 2nd TIME REQUESTING THAT YOU CLOSE THIS ACCOUNT BECAUSE ITS HAVING MY DEBT TO RATIO OFF!!!!! THIS IS THE XXXX MONTH THAT I HAVENT BEEN A CUSTOMER WITH YALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TX

Complaint narrative:
I called Equifax several times explaining that I have been a victim of identity theft and several inquires along with an account from XXXX was listed on my credit report. I was told to send them the Identity theft report which I have several times and they did nothing. I have attached my social security card for identification & have my name corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I do not owe this creditor the balance being stated. This is a closed reconciled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Amount of {$14.00} was erroneously charged to my capitalone credit card account XXXX on XX/XX/2021. Merchant name of the charge was XXXX XXXX XXXX XXXX WA. 

Charge was disputed with Capital one over the phone and requested documentation was sent by fax to Capital One. Temporary credit was given but then on XX/XX/2021, CapitalOne re-charged the amount of {$14.00} back on the account claiming that they didn't receive the information they needed! 

I emailed Capital One Director of Complaints XXXX XXXX at Capital One but received no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that ChexSystems not furnish any information about me concerning my credit file. I believe the information for XXXX XXXX XXXX Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX XXXX, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Chex Systems did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Chex Systems employees are no more than data entry clerks in the dispute and investigation process. Chex Systems did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the 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 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/202030 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that XXXX XXXX claimed that it had debt from an original creditor, Citibank NA. I was unaware of any debt I may have had through Citibank. I called various numbers at Citibank, which referred me to other numbers at Citibank, none of which could find anything under my name and SS #. XXXX at Citibank told me on the phone to contact Applications. I am going around in circles, and debt buyer XXXX XXXX was unreachable. It purports to have a debt of {$500.00}, but both Citibank and I are unable to verify this alleged debt.

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 2021-06-14 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
The response from GUARANTEED RATE INC is false. Transunion stated several times that they never received any response from GUARANTEED RATE INC or XXXX XXXX  to remove this Hard Inquiry from my credit report that was requested by GUARANTEED RATE in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from GUARANTEED RATE INC or XXXX XXXX 
I have also Been Harassed by GUARANTEED RATE with Text messages and repeated Phone calls all different times of the day and night. This company GUARANTEED RATE has harassed me and damaged my Credit report regarding a loan I did not authorized or request. GUARANTEED RATE has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against GUARANTEED RATE. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to XXXX  XXXX  to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my Transunion credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my Transunion credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from MACYS DSNB that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that MACYS DSNB is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with 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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover Bank has sent some convenience checks back in the years ( XXXX or XXXX ) l when discover credit card was opened for first time approximately in the year of XXXX in the amount of {$10000.00} or more was issued to the contractor in-between the year of XXXX. I have used that convenience check for home repair - ( finishing the basement ). XXXX took the full check amount - and did not complete work at my residence.I personally do not have any receipts from back than- due to convenience check goes to Discover Bank- & that balance was paid through one the mortgage company ( XXXX XXXX  ) which was refinance to paid off the balance in XXXXfollowed by XXXX XXXX XXXX. 
Many family circumstances for hardships and struggles during that time - I have not took any further steps to resolve the fraud- On today 's note- I wanted to start these hope for furthering the investigation on these details- due to many other situations to clear for clearing the finances. 
I have not contacted discover card due to outstanding balance-that I owed to them- which they have brought into the court case- on XX/XX/XXXX. 
Since XXXXMyself had went through many many other financial hardships due to loss of income- family changes- along with the World Pandemic Lockdown in XXXXAs of today 's date of XX/XX/XXXX ( Monday ) many other areas are not completely stabilized due to many other reasons. I am receiving support from department of social services - such as medical & energy assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
they lowered my credit limit without warning and refuse to help me resolve the issue.

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 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
I am not aware of this owed balance from the original creditor, XXXXXXXX XXXX. I have asked for a validation of debt however it has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
This account is reporting in accurately to my credit report and it is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: The CBE Group, Inc.
State: TX

Complaint narrative:
I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: United Revenue Corporation
State: TX

Complaint narrative:
I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Card was charged for something you did not purchase with the card
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL

Complaint narrative:
I have a issue with Simmons Bank credit card, I ordered a Priming pot from XXXX on XX/XX/2021 for {$99.00}, in some odd way a company in New York named XXXX  XXXX XXXX XXXX XXXX XXXX XXXX got involved in the transaction with XXXX. XXXX sent me an email invoice and XXXX  XXXX XXXX sent me an email invoice. I received the pond pump Priming pot but I did not like it, so I requested a refund through XXXX  XXXX 'XXXX, we exchanged a couple of emails about returning the Priming pot, but I remembered that I purchased it through XXXX, I requested a refund through XXXX and they gave me a return slip, and later I received my refund for {$99.00}. I bought a different priming pot from a XXXX, XX/XX/2021, for {$120.00}. When, I received my Simmons billing statement I was charged for {$94.00} by XXXX XXXX. With explaining my dispute with a Simmons agent he got confused, but I told him that I wanted to dispute the charge. Simmons, supposedly, put in the dispute and ruled in my favor, yet on this date XX/XX/2021, I noticed that I have a charge, again, of {$94.00}, from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, after receiving a different card and number from Simmons Bank credit card. XXXX XXXX sent me an email, during my first inquiry about the charge, explaining that they had nothing to do with the first charge. Simmons sent me another card, about two weeks ago, but I am being charged again for something that I did not purchase on my new card number for the same amount of {$94.00}. Customer service for Simmons Bank credit card, claims that the charge came from me. I have put a freeze on the account. I am shocked that, Simmons found that I did not make the first charge for {$94.00} but now two months later they are saying that I am billed, and have to pay them for a purchase that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NJ

Complaint narrative:
I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on Experian and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to Experian. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.

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 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Delinquent student loan accounts that has a {$0.00} balance, Open accounts Payment data history does not coincide on any accounts, Revolving account creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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