vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2021-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
made a purchase on XX/XX/20 online in the amount of XXXX was suppose to b delivered was notified by phone they didn't have all the materials to complete the order so i cancelled the order. Then i called lowe 's store in XXXX  ct placed the exact same order they delivered it i ended up buying 2 much of some things so i returned what was leftover. I have only received partial refund from the first order in the amount of XXXX i am disputing XXXX which has been going on for over a year

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 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Loan discharged in bankruptcy chapter XXXX, Bankruptcy Court XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the attorney myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged. The discharge occurred on XX/XX/XXXX, this year, This business needs to be investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I am trying to sublet an apartment that is part of a co-op. I found a sublet who wanted to move in XX/XX/2021. The co-op board requires a " letter of consent to sublet '' from the mortgage lender. In order to start the process I called my mortgage lender on XX/XX/2021. They told me to send them a fax with my loan number which I did immediately. They them sent me a questionnaire ( see attached document ) through the mail which I received on XX/XX/XXXX. The letter also asked for other documents that had to be provided. I am unsure why they could tell me that I would need those documents when I contacted them on XX/XX/XXXX as I lost valuable time getting them from the co-op board. I finally got all the documents and send them to the bank directly by email to speed up the process and impressed on them the time sensitive aspect of this matter ( see attached email correspondence ). I then sent multiple emails asking for updates and it is now XX/XX/XXXX and my point of contact at the bank is telling me she is just now starting to look at the documents and is unsure if she'll be able to send them via email instead of by mail which would take another few days. 

So in conclusion I started a process 7 WEEKS ago to get a simple document from my mortgage lender in order to be able to sublet my apartment. Due to their negligence and extremely slow process I have been unable to start the lease as expected and I am losing considerable rent revenue and I am at risk of losing the renter as well which would set me back even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: WA

Complaint narrative:
I have already notified XXXX and GC Services that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
On XX/XX/2021, I sent TransUnion a letter requesting that they reinvestigate or delete Family Support Div XXXX XXXX from my credit report. As of this date, They have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing Their investigation. They have not followed the stipulations of the law. 

Because this has caused me to suffer damages you can't even imagine I will contact the Federal Trade Commission and advise them of Their apparent disregard for consumer protection laws.

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 2021-04-16 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: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
To Whom it may concern, I have repeatedly provided both XXXX and Equifax with proof that this account, XXXX XXXX has been paid in full and now has a XXXX balance yet they have refused to update my consumer credit report which has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: WA

Complaint narrative:
This debt collection agency reached out to my biological father, not myself, on multiple occasions despite him requesting to have his number removed from their system. The last call he received was from XXXX XXXX XXXX and provided him with extensive information about my accounts and account history. XXXX XXXX XXXX also made inappropriate comments about my character, told my father that they " are not my babysitters '' and made multiple malicious comments about me. He provided them my contact information, which I then received a call greater than 2 weeks later from another agent. When I attempted to discuss my concerns about the previous agents behavior, I was threatened with lawsuits and told that it was not illegal to share my information with my father. The agent was very aggressive and rude. Not only did all of this happen, but I have already filed a dispute about this transaction for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 2021-04-16 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: AR

Complaint narrative:
Good Morning. The following information is not mine. Can you please provide me with Signature proof or remove it from my Credit Report? Thank you. 

XX/XX/XXXX - XXXX - EQUIFAX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THEY CALLED ME AND MADE THREATS ABOUT ME NOT PAYING AND SAID THEY WOULD SUE AND TAKE EVERYTHING I OWN ME AND MY FAMILY WOULD HAVE NOTHING IF I DO NOT PAY THEM ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
Credit acceptance XXXX They have on my credit report missing my auto loan payment. They use to go through XXXX XXXX and for whatever reason they state they never received my payemt back in XXXX. They reported my payments missed starting in XXXX. I have provided a letter and bank statement for them to remove that missed payments off my credit report multiple ties with out success! All my other payments are exceptional and I have not missed any payments. This is not right and causing me not to be able to purchase a home along with other things! They are unprofessional every time I call and not helpful! Im sure Im not the only one to complain about their service and their wrong doing!

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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX XXXX XXXX phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX XXXX Florida XXXX Inquiry date XXXX These two inquiry showing on my TransUnion consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge

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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from AXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.

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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a XXXX account that is appearing on Equifax with a balance of {$1200.00}. The account shows on XXXX and XXXX as dimissed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter ( ATTACHED ) XX/XX/XXXX, that they received on XX/XX/XXXX ( ATTACHED DELIVERY RECEIPT ) to Capital One Auto Finance after my car was repossessed in around XX/XX/XXXX asking for proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I had personal belongings such as a mechanical tools left in the back seat that were costly. I never got a call or letter regarding my belongs, as by law I am entitled too. They have not responded back to my request and it's been over 30 days. My personal belongings are gone. I do know the law and this is sad how creditors take advantage of consumers at such a time as this. They are very committed to continuing reporting on my credit reports while breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: MD

Complaint narrative:
I have two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
dispute # 1 : There is an inquiry on my XXXX  credit report from XXXX XXXX XXXX inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : cbna inquiry date XXXX national credit card cos. This inquiry also is fraudulent as I did not inquire anything from Citibank North America this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX  consumer report deleted from my XXXX consumer 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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
We refinanced with Amerisave in XX/XX/XXXX. They were supposed to pay our first property tax bill in XX/XX/XXXX through escrow. The escrow was completely paid for at closing. They didn't pay the XX/XX/XXXX tax bill. 

I called Amerisave on XX/XX/XXXX and sent them another copy of the property tax bill. Since then. I have called Amerisave 10 times and each representative has told me they will take care of it within 2-10 business days. Meanwhile, I have hundreds of dollars of overdue tax fees on the tax account. One of their representatives told me it was Amerisave 's responsibility and that they would pay the overdue fees and tax bill. Yet, no one is paying the bill. 

It still isn't paid and today ( XX/XX/XXXX ), I received an email from them saying they needed to " research '' the situation. I am genuinely concerned about losing my home and the hundreds of dollars in overdue tax fees that have accumulated due to their lack of service.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation