vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Lending Club Corp
State: AZ

Complaint narrative:
Lending Club Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: AZ

Complaint narrative:
XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/79SSN=XXXX  ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-08 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: AZ

Complaint narrative:
XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I used my City National Bank ( CNB ) award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. 

I never received the my order. In my previous complaints, CNB was not able to provide my signature for the gift cards delivery to proven the package was delivered to me. 

CNB asked me to contact with XXXX for the gift cards stolen or lost. I have ordered the gift cards from CNB, not from XXXX. The gift cards were ordered by CNB from XXXX. XXXXNB didn't provide the gift cards full information, include 16 digits card number and Security code to me. It is not possible to submit a complaint to XXXX without the card information. 

Actually, I didn't have any relationship with XXXX for this gift cards order, so CNB has the full responsible for the gift cards stolen or lost. 

As a consumer and victim of this case, I am looking for CFPB to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: GA

Complaint narrative:
I've disputed the same accounts to all 3 credit bureaus multiple times and the incorrect and unverified information remains reporting inaccurately on my credit report. 
I've just recently dispute the information once more. Along with my correct name, date of birth, and address. That's been reporting inaccurately by Equifax and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
Attempted to reach out via attorney advocacy, attorney general, XXXX, ftc to no avail. My request are falling on death ears. This company is deliberate in the efforts to keep erroneous and fraudulent information on my credit report related to " apartment rental '' in which I have no knowledge of for the past 2 years. I have had the credit bureaus dispute this and EQUIFAX if the ONLY CREDIT BUREAUS listing these fraudulent debts as VERIFIED. When I asked for documentation to support their findings by way of FCRA 609 I have not recieved anything in the mail to support. I only recieved NO RESPONSE. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I have been receiving notices of failure to pay property taxes from XXXX County Tax Collector since XXXX of XXXX I called Amerihome to resolve the matter as soon as I received the first notice. I was assured the taxes had been paid and that Tax collectors do this all the time phishing for money. Well, the notices kept on coming. I call and Amerihome says the taxes have been paid. I get a final setoff debt final warning and that they will advertise in the paper that I haven't paid my property tax. I call a sixth time to resolve the matter and ask that proof of payment be mailed to me. The agent said that an investigation will be done and proof will be mailed to me in 7 to 10 days. A month goes by and still nothing. I called again, speak to a supervisor named XXXX. I request she over nite proof of payment and that she call me back to resolve this. She said she would indeed do that as well as send proof of payment to XXXX  County. None of this has happened. I call again and explain my situation and get hung up on. During all these calls I was always polite. After the call I call the county tax collector and initiate a three way call with tax collector on the line. We learn that payment was submitted twice via wire to a third party who was supposed to cut a check then mail to county but he sees that some how the checks never made it to the county, could we please hold briefly while he investigates. The AmeirHome agent never returned to the call. We held on the line for 45 min. Still XXXX  County has yet to receive payment and my details have been published in the paper as not paying property taxes. I have been receiving texts from unknown people asking if I own the property and if I wan to sell. Not sure what else I can do but file complaints with as many agencies as I can. And that's exactly what I'll do. One of my Neighbors is a State Senator. Perhaps I'll knock on his door.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021. I received a call from US Bank Cardmember ServXXXX asking me if I had a card number ending in XXXX. I was confused because I do not have any card ending in XXXX. Later I learnt that this card ending in XXXX was the replacement card for the XXXX XXXX XXXX, but I have never received the card. The representative said there were suspicious transactions and believed there were fraud activities going on. I made sure that I do not own the card and I did not make any transaction using the card. She assured me that everything is taken care of and closed the account immediately. The total amount of {$4000.00} were made on XX/XX/XXXX and XX/XX/2021. I don't even know the whole 16 digit card number as I've never received or seen this card. 

3 weeks later I received letter from US Bank Cardmember Service claiming that after their investigation, they will make me liable for these charges. The reason is the card was activated from a phone number that is shown on my account. US Bank also called that phone number to verify. This is ridiculous because I never have that phone number. I tried to work with their agents and all I learnt that all they did is keeping calling that fraud phone number to verify, which is totally illogical. 

The issue is obvious. Someone hacked into US Bank Cardmember Service system and added a phone number to my account. With this phone number added, they may have changed my address so I never received the card. They activated the card using that phone number without being confirmed of the identity. US bank does not do any identity check but just use that phone number as identification. Whoever owns that phone number is the apparent criminal of this case. 

US Bank Cardmember Service should do the real investigation to chase the criminal who hacked into their system, but they did not. Instead, they simply blaming it on me stating that since the phone number is on the account, they are making me liable for these fraud transactions. This is totally unacceptable.

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 monetary relief
Consumer complaint received 2021-04-08 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: PA

Complaint narrative:
Hi, my name is XXXX. I am not going through a third party to report this. I am writing to delete the following information in my file. These items are causing me to not be able to build my credit, as well as not allowing me to buy a house. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
See Capital one case ID XXXX On XX/XX/2021 my card was rebilled for {$5300.00} for a trip Capital One advised me to cancel due to my wife and I having XXXX. I did what they told me to do and Capital One still stole my money. 

I need government help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: AZ

Complaint narrative:
XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have over {$1300.00} from discover opened in my name. I also one from XX/XX/XXXX opened 3 months from the other one being closed for likeXX/XX/XXXX and 2 more fromXX/XX/XXXX. and now I have a " serious deliquency '' on my report that should not be on there and I have been fighting this for almost 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is letting 3 party collection agencies Fraudulently put fraudulent remarks on my credit report, version closed years ago due to bad service and defective product, XXXX XXXX who owes me money for a bad car and down payment, XXXX XXXX XXXX XXXX Which account was closed at a zero balance As I disputed a rental lease scam and breach of contract and credit was provided as I did not recieve any letters for weeks and moved out Of that place cause it was so bad, company did not call my to tell me where to fax what hey neeeded in time and months later harassed Me with false claims, and there is a medical I know nothing about that keep fraudulently piping up when I had my own coverage for decades

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/21 I tried to unfreeze my credit report on both the Experian and XXXX  websites. I went through many, many hoops. For Experian, I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. XXXX  insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company. 

!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I obtained credit reports from the " big three '' reporting agencies only to find fictitious, wrong and many unauthorized " hard request '' from companies I haven't made inquiries to for credit and or connecting services. 

These hard inquiries have caused my credit score ( s ) to decline many % points despite my attempts to restore my worthiness given some hardships due to a repossession with XXXX XXXX  -- XXXX once they sold my and my husbands account. 

I am submitting hard copies of reports received via my online request to the credit bureaus, one of which is unable to present it online due to my inability to answer the identifying matches be they didn't match me and my past residence, family, etc. as needed. I also noticed a false social security number I have never used, on one report as well. 

Agencies, it appears have been given the green light to misuse federal funding 's be it in hiring management salaries, or other maneuvers to cause irreparable harm to again XXXX consumers and/or XXXX  XXXX consumers as if the scenario puts me in the face of whom I'm seeking credit with and that credit is denied or more capital is usually needed, then what other claim can I make and assume given my only identity since birth has been XXXX american. I'm not seeking XXXX additional creditors if I'm denied by the first XXXX or so.

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 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
I close on a mortgage in XX/XX/2020 with Contour Mortgage. At the closing, there was an approximately {$3000.00} that was supposed to pay off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed XXXX days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. There was another {$2500.00} difference in the amount that was actually charged and the amount showed on the estimate closing cost document that I received. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Furthermore, I got an unpaid tax for 2020 that was supposed to be taken care of during the process. I tried to resolve the problem with Contour Mortgage with no success. So I am putting the complaints with the current loan servicer XXXX XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I inherited a home from my father and it burned down a year ago. This mortgage company kept charging me for a whole year because they refused to make a claim to the insurance. Finally I was able to get a check to pay off the house after a whole year of payments for a house that didnt exist anymore and now its so hard to get them on the line just to pay them! I sent the check and every time I call they hung up on me several times for several days when all I want is to pay them. They seem to have no communication in between departments, one person says one thing and another says something else. This is the worst mortgage company and they dont care about their customers. I went through financial struggles the whole pandemic year having to pay for this mortgage ( besides my other mortgage and bills ), they told me they will give me the money I paid for that year since after the house burned down ( more than XXXX ) and now they wont honor what they told me. Stay away from this company!

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