vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I am writing this communication to demonstrate that Equifax, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX XXXX XXXX  on my behalf has communicated with Equifax on XX/XX/XXXX and to this day Equifax has not responded. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the Clerkand this we will not do in the absence of more compelling evidence. '' ) DSK Law did mail as the attachment has shown a requested response from Equifax, however, Equifax refuses to respond, Therefore, Equifax is violating various provisions of the FCRA and continue to allow information to stay on my report that is : XXXX. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) XXXX. Continue to report information that is and has been outdated for more than XXXX XXXX XXXX XXXX years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX years ; XXXX XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX ( XXXX ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why Equifax refuses to deal with the issue of my credit report just as they did in past legal cases involving Equifax which include XXXX XXXX XXXX Equifax Information Services, LLC and XXXX XXXX Equifax Information Services, LLC ). In both of those cases Equifax purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Possible Financial Inc
State: UT

Complaint narrative:
A financial company by the name XXXX XXXX has added a negative report to my credit report without my knowing the loan exists. The loan is in the amount of {$500.00} and it continues to accrue interest. I can not reach any XXXX of the companys employees to help solve this issue. 
I need help to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: NC

Complaint narrative:
Debt collector sends initial FDCPA notices via email, but does monitor or respond to emails sent by consumers. Debt collector sent initial notice via email in XXXX, XXXX. A dispute was sent in response via email on the same day. Debt collector continued to make collection calls without verifying or validating the debt ( which is in fact a claim for damages by a former landlord, not a valid debt supported by contract or legal judgment ) until a demand letter from an attorney was sent in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Plaza Services, LLC. Plaza Services, LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to Plaza Services, LLC. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
Chexsystems reporting fraud account from XXXX # XXXX {$870.00} that does not belong to me and was a result of fraud from XXXX XXXX debit card transactions and needs to be removed from credit file and request chexsystems mail me a new updated correct Report

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 2021-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2020, {$490.00}, Coming of deferred payment due to Covid 19 reported my account 30 days late

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/2021 text message from citizens bank totally a scam as I do not have an account with citizens bank. 

XXXX  CASE # XXXX : SUSPICIOUS CREDIT/DEBIT ACTIVITY VERIFY YOUR ACCOUNT IMMEDIATELY : mineXXXX  Here 's the website they are using please stop this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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:
remove incorrect info FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 42 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... NATIONAL CREDIT XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Around XX/XX/2020, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.

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 2021-03-31 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX we called Comenity Bank ( XXXX ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX  about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2020, I attempted to make a deposit into my Huntington Bank checking account by using a XXXX XXXX XXXX ATM, located at XXXX XXXX XXXX XXXX, XXXX. Upon depositing {$190.00} cash into the ATM, the machine gave me an error message and created a Deposit Exception Record. My account was not credited nor was the cash returned to me. 

The following day, I spoke with some employees at the XXXX XXXX Bank about this. They explained that I would need to have Huntington Bank file a dispute with XXXX XXXX to receive my funds back. 

I then explained the situation to the employees at my local Huntington Bank, located at XXXX XXXX XXXX XXXX XXXX. They assured me that they would handle the situation. A few days later they confirmed that they had taken care of everything and my account was credited for the {$190.00}. 

The next day, my account was debited for {$190.00}. XXXX sent me a vague letter stating that the credit was " not needed. '' I worked again with a banker at the local branch. They were not able to find out much and told me to again contact XXXX XXXX. 

I again contacted XXXX XXXX. They were able to confirm that they had found the {$190.00} cash in the ATM after it errored. However, they explained that they could not give me the money back unless XXXX filed a formal dispute with them ( which they apparently have never done ) or issued a Hold Harmless letter. 

Since then I have contacted XXXX numerous times to explain the situation and ask the bank to do one of these two things. This includes several in person visits to the bank along with about 3 calls to the XXXX number. XXXX employees appear concerned, but do not seem to actually be able to do anything. I have NEVER received any communication back from XXXX after making my request. They will not even issued me a letter my request, they simply ignore it. 

I do not know what to do at this point. XXXX is completely uncooperative, and XXXX XXXX has made it clear that they will not return my money without a dispute or hold harmless letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ

Complaint narrative:
XXXX XXXX provided my first and second mortgage. They sold my first mortgage a month after closing and kept my second mortgage. My second mortgage is a balloon payment which wasnt fully disclosed and is due now. After the past two years of phone calls and requests they refuse to refinance because it's a second mortgage. The only reason I dont have my first mortgage is because they sold it. 
They refuse to work with me and there only answer is they will foreclose if the amount isn't paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2020, {$490.00}, Coming of deferred payment due to XXXX XXXX reported my account 30 days late

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 2021-03-31 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: MN

Complaint narrative:
For the past three years I have tried in vain to fix my credit reports and it starts with Experian. I saw that my mortgage showed paid and joint. Experian would not change it even when I sent an original bill in. I wrote the mortgage holder and filed a police report because XXXX Bank asked me to.I signed papers that the one Experian had listed was not another mortgage I had. After filing here the Bank said what Experian had was not even related to me and they gave me an assumption. However, my original mortgage before divorce in XXXX had my ex on mortgage not deed and XXXX Bank May fix this and report my payments to them to credit files. My ex now dead had filed bankruptcy XX/XX/XXXX. I did not. Still Experian refuses to acknowledge I have a mortgage and this effects my credit. They took off the mortgage entirely! When you call your on hold for up to 30 min and they do nothing. I tried again online and they refuse to let me dispute that I have a mortgage and want credit for paying it. I have other accounts too that they refuse to look at. If this is the leader for credit bc I am told everyone looks at them, we as a nation are in deep trouble. So I know XXXX is used but at some point cant a real person with some knowledge be there. This issue has hurt me and I want it fixed they can start from now to list that I am the mortgage holder and online the choices are very limited. I can send a email to others that have apps and they get back to you not them. Its wrong in every way

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 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
I am a XXXX and XXXX XXXX service member in the United States XXXX. 

From XX/XX/XXXX through XX/XX/XXXX I lived in XXXX, New Mexico, while stationed at XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, a collection company named XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sent a letter to my parents house ( my military home of record ) saying that I owed {$150.00} relating to an unpaid service bill with XXXX XXXX XXXX XXXX They have sent several other communications since. 

I have never been a XXXX customer. While I lived in NM, my service provider was XXXX  ( I can provide receipts of payment to CenturyLink during this time ). 

I called the telephone number on the complaint to dispute the claim. I called XXXX. They said they couldnt help me and referred me to XXXX. I called XXXX in late XX/XX/XXXX, and they directed me to their fraud department. I submitted a fraud packet on XX/XX/XXXX in order to have the claim disputed. 

On Monday, XX/XX/XXXX my credit score dropped XXXX points due to this fraudulent collection. 

When I called XXXX to dispute this, they gave me some info about this account that I had never heard of : XXXX. The account was opened on XX/XX/XXXX. 
XXXX. It was closed/suspended on XX/XX/XXXX. 
XXXX. My address at the time was at a home in XXXX, NM XXXX. The address that this service opened at was an apartment complex for which I never lived and have absolutely no relationship with At this juncture, I want the fraudulent collection to cease and for my XXXXredit score to return to its pre-fraudulent collection status.

Company response to consumer: Closed with explanation