vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST. EXPERIAN IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND MORONS. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... ..

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE.

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Yes I have call the bank every since XXXX trying to resolve this issue but no will listening to what I am saying and it because of the large amount of money that was putting to my checking account. I have talked XXXX XXXX and he told that I will not get my money back the bank is waiting for someone else to claim the money. it all started when Mr. XXXX who owed me some money and he put the money into my XXXX account. I found out from Mr. XXXX XXXX who is the XXXX   fraud department manger that money was stolen from someone else I don't know how it was done. But I call SunTrust and asked them to please returned the money back to XXXX the total amount was XXXX and it postal on the bank statement showing that it take out in two payment of {$2000.00} each. But Just because he XXXX asked for that money back SunTrust decide that all the money that was in my account was Fraud which no true. I send SunTrust my balance statement show the transaction. I received a wire into my account from XXXX XXXX XXXX in the amount of XXXX and XX/XX/XXXX plus XXXX income XXXX  wire transfer on XX/XX/XXXX. My husband brought XXXX from XXXX XXXX  we deposit it on XX/XX/XXXX in SunTrust Joint Account. I transfer XXXX to my saving account on the XX/XX/XXXX from the joint account. XXXX was take from the joint account out the XXXX to pay XXXX bill and On the XX/XX/XXXX XXXX XXXX. XXXX send me XXXX and with other money in the account it was a total of XXXX That SunTrust is holding and my Saving account has a total of the XXXX and some money is Church tithes Money and I don't know why they are still holding all my money I give them document prove that money is legal can you please help me. If you know on the bank statement that money that was come into the account was wire into the by individual in side the bank and if you look at the bank you will notice I did a electronic transfer from XXXX to my SunTrust. That is only things that needs to be returned.

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX   XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request  that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.DISCOVERBANK acct. # XXXX bal. $ {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This complaint is related to never having received a response to a request to remove my escrow account from Shellpoint Loan Servicing, and the company 's lack of response to my written request as it required and requested from me.

I have had an account in good standing since the inception of my  initial loan payment on this property since XX/XX/XXXX. The loan has been sold and transferred at least 3 times, and now it is with Shellpoint Mortgage. Shellpoint assumed responsibility on this loan  in XXXX XXXX. The first mortgage payment that I was required to make to Shellpoint was for the XX/XX/XXXX payment. I continue to have issues with Shellpoint on this payment that was timely submitted, and Shellpoint has failed to rectify its error despite repeated promises, letters, calls, and complaints ( see attached of its promise to fix a problem it has yet to fix ). The 2 pieces of inaccurate  information remain on my credit report -- that I had a late payment and that it was current the next month. It should never have been reported, and it should not currently be on my report or any references made to it.

However, this outstanding issue prompting this second complaints relates to the fact that I have not heard from Shellpoint, despite being past the 30 days since I submitted the request and was informed that I would receive a response per the company. Because Shellpoint
has a history of failing to respond to issues submitted to it in writing and on the phone and because I am still waiting for it to rectify its original problem for which it was at fault and acknowledged being at fault, I am filing a complaint concerning my escrow request that it has failed to address. I have tried multiple times to get any issue resolved by Shellpoint to no avail or response from the company. I am good standing and always have been and therefore, I meet every qualification justifying and permitting me to have my escrow account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: IL

Complaint narrative:
XXXX  IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND EQUIFAX  IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED 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

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 2020-10-20 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: OH

Complaint narrative:
I sent letters out certified over 60 days ago and have not be notified as a consumer I feel like these people are taking advantage of normal people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a conclusion. Thank you. 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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My credit cards were closed after 10-years with no explanation. 

Left over 5 messages for the bank and no one ever call me back. 

I never had any type of fraud on my accounts and my accounts were always in good standing and my credit limits were always increased based on my spending.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a conclusion. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Transunion numerous times that XXXX XXXX  XXXX Act. # XXXX and XXXX XXXX XXXX  XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?

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 2020-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted XXXX  numerous times that XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted XXXX  numerous times that XXXX XXXX  XXXX Act. # XXXX and XXXX XXXX XXXX XXXX  # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1. THD/CBNA acct. # XXXX bal. {$5500.00}

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 2020-10-20 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: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


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 PA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


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 XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020, I opened an account with Capital One with the intention of receiving a {$100.00} checking account open bonus. I firmly believe the account opening process is in violation of UDAP because Capital One required me to fund my account before telling me I was ineligible for the checking account offer. If I had known that I would not qualify for the offer because I currently or previously had a Capital One account, I would have never opened the account.

Capital Ones offer is misleading in that Imopened my account and funded it before I was told I was ineligible for this offer.

I called Customer Service at Capital One and talked to XXXX on XX/XX/2020 at approximately XXXX XXXX  EST. XXXX led me to believe that I misunderstood the offer and that the computer system would have told me that I was ineligible for the offer before it opened the account. This is incorrect. The account was opened, I funded it in the amount of {$300.00} and only then was I told that I was ineligible for this offer.

I have attached screenshots of the offer and the messages I received when I opened my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX 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 2020-10-20 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: Conn's, Inc.
State: SC

Complaint narrative:
I received a past due bill of {$370.00} in XX/XX/2020 because someone took out a {$5000.00} credit loan from Conns XXXX XXXX in which I never opened an account from or bought things from. I have contacted the fraud department. They sent me a form, I have to file a police report and a FTC report and this report.

Company response to consumer: Closed with explanation