vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 non-monetary relief
Consumer complaint received 2022-04-13 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: NY

Complaint narrative:
I initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through Experian and XXXX to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both Experian and XXXX on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with Experian and XXXX with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.

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 2022-04-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MN

Complaint narrative:
We initiated a reverse mortgage XX/XX/2021 from AAG. We had been told that we would have access to our home equity to pay off a few debts and make some improvements to our home. Instead, without our understanding or approval, AAG removed access to our equity and instead will use our equity to pay our homeowner 's insurance and county taxes for the remainder of the loan. 
The last thing that our Loan Administrator at AAG told us before the closing was that he submitted our account without the hold on our equity. The closing was done by a notary in our home and we were told by him that he would not be able to answer any of our questions. The closing paperwork was over 250 pages. 
Within a couple of days, we did being to read the closing paperwork and suddenly realized the kind of loan we actually received. 
When we called AAG to discuss this, they said we went past the 3 day period to reject the loan, which again we didn't know anything about a rejection period, and so there was nothing they would do for us. 
We have tried to talk to managers and other higher level personnel at AAG but got no response as to what set us apart from other people. Our credit report is very good and we see no reason why we have been singled out for this change in the loan as we were promised. 
Your help in this matter is greatly appreciated. I look forward to hearing back from you. I am happy to provide any additional information you may require. We can only come to the conclusion that the reason for withholding our equity is that of my husband 's XXXX  as there doesn't seem to be any other reasonable or logical explanation. 
Also, we have submitted a complaint about this to HUD. XXXX XXXX is our contact at HUD and he was the one who sent us this link to your website for us to file this.complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I had a background check done and the report shows TCF National Bank for the date of XX/XX/2015 as MTG DELINQ 120+ My mortgage paid to Freedom Mortgage. I sold the property and the loan was paid off, I did not owe anything to TCF National Bank that could be delinquent. I made timely payments during my loan. 

I tried to find contact for TCF National Bank but it looks like they were bought out. I do not know who I can contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc.
State: MO

Complaint narrative:
I received an initial notice from Windham Professionals Inc dated XX/XX/2022 advising me I had XXXX days to respond to a debt before derogatory credit reporting was done. I responded with a request for validation of debt dated XX/XX/2022 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously

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 non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Provide me with the receipt of debt purchased.

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 2022-04-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
AFTER SUING OR SETTLING WITH FEDERAL TRADE COMMISSION EQUIFAX NEVER STOPPED DOING FRAUD. PREVIOUSLY ALSO THEY REQUEST DOCUMENTS SUCH AS A COPY OF A DRIVER 'S LICENSE, AND A SOCIAL SECURITY CARD FROM CONSUMERS TO SELL TO MARKETERS. 

PREVIOUSLY ALSO EQUIFAX REQUESTED 100 TIMES FROM ME TO FAX OR GIVE MY DRIVER 'S LICENSE NUMBER AND THIS TIME ALSO EQUIFAX DID NOT SHOW MY CREDIT REPORT AND ASKING TO SEND A COPY OF MY SOCIAL SECURITY CARD OR DRIVER 'S LICENSE AND SAID YOU CAN DO WHATEVER YOU WANT AS REPORT TO FEDERAL TRADE COMMISSION, XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU. BUT UNTIL WE RECEIVE A COPY OF YOUR INFORMATION WE CAN'T SHOWED YOU A COPY OF YOUR CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
This complaint is really referencing my inability to reach the collection agent that fortiva placed my debt with. They never answer the phone or return messages. Ive been trying to work on this for some time now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Bank : Capital One Statement attached I called Capital One today about a cash advance interest charge ( CAIT ) for {$45.00} on my current Quicksilver credit card statement. I have never used the card at an ATM and had only used it to wire money a few times. I have had the card for many years. I discovered today that the CAIT is repeatedly charged no matter when you initially made the wire transfer for as long as there is an outstanding balance of any amount. The CAIT is charged in addition to the interest charge for purchases ( ICP ) {$32.00}. The ICP policy I was well aware of and have no problem with it. The CAIT policy I was entirely unaware of, and I believe it is excessive and abusive. I was told that for as long as I have had the card, from the first time I made a wire transfer, if there was an outstanding balance, I have received a monthly CAIT ( {$45.00} ) + ICP ( variable ) for that wire transfer until the balance went to {$0.00}. That process began anew as soon as I made another wire transfer followed by an outstanding balance. I've also noticed random fees without explanation. I am shocked and so disappointed by Capital One. I feel they have taken advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion has failed to remove a fraudulent collection off my consumer report that was reported in a FTC complaint. This alleged creditor is illegally pursuing debt collection in this matter and Transunion has been notified and informed of this many times via letters and has failed to remove from my consumer report. I also added all violations and consumer laws in my letter to Transunion and they have failed to remedy the situation. This still has not been removed. 

Creditor : XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Since XXXX, each year I have so much trouble with the credit reporting agencys said because of Covid-19 Lacking customer service online services and no live customer service I have spent hours trying to navagate+dispute errors and recieve my free credit reports without haveing and forced to buy their credit moniotoring services to get my credit reports.I know XXXX did not raise my credit score at all while I repaired my credit from XXXX to current XXXX. XXXX has caused me undue stress, kept my scores down while other reports raised as bad debt was lifted.And offer a credit boost but does not have any of the credit unions I was a member at to utilize my monthly paid utilities on time.Plus I have never obtained one free or purchased credit report when ordered all they give is access to the web.Now I am in court with XXXX  XXXX XXXX XXXX when XXXX bought the debt and I was not allowed to dipute with XXXX at all from XXXX XXXX XXXX and now its XXXX and I am unable to dispute fraudulently created XXXX card.With XXXX or any other reporting agency.Something like a third party attches to my access and keeps me from sumitting my requests. 

It has been a ridiculous time consumeing and to have to struggeled with XXXX & Equifax credit reporting. agencies forced to use their web sites. Then keep the consumer from logging in, from provideing statements kept from disputes kept from Security Freeze lifts ( he web sites are impossible to get a credit report mailed to your home address.I do not feel I should have to pay for my free annual credit report.Or have to find somewhere to print a pdf credit report I bought a home Last XXXX and MY credit scores never moved at all from XXXX  after I resolved multiple bad credit reports.My score stayed at XXXX while XXXX sored to XXXXAnd now I have fraud.I was notified by XXXX  XXXX my credit scores have been decreasing.Thru XXXX XXXX I saw someone opened a XXXX credit card.On the XXXX reporting site.I have not been able to submitt any statements or disputes due to Covid19 excuses and lack of customer service provision unless I write and wait 30 days is what it took me to aquire credit reports in XXXXand these credit reporting agencies hold consumers hostage and exspect them to buy a service from them to review or dispute and item. they carry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax credit bureau has a medical bill in the amount of {$1100.00} that is not mine. I have disputed this issue ( 3 ) times with no response. My last dispute the credit bureau responded stating that the information was vertify.Credit file # XXXX. 

I call the collection company : XXXX XXXX XXXX. This bill was orginated at XXXX XXXX XXXX in XXXX, XXXX  in XXXX. I left XXXX in XX/XX/XXXX and moved to XXXX. I never used XXXX XXXX. I am a XXXX. I know that there are ( XXXX ) other XXXX with the same name. I discovered this from the XXXX registry. The collection specialist vertifed all my information. She stated a mistake was made that the bill is not mine because there is a different birth date on the bill. She instructed me to submit a dispute to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I received a letter in the mail today, XX/XX/XXXX, saying I owe {$3600.00} to XXXX XXXX XXXXXXXX XXXX for an unpaid lease from Fair Collections and Outsourcing. I have never lived at this address/ neighborhood, nor do I even know what or where it is. This debt is being falsely accredited to me and must be removed effective immediately. I DO NOT OWE A DEBT TO ANYBODY OR ANY COMPANY. If this debt is not stricken and removed from my name effective immediately, I will be pursuing legal recourse against this company for fraudulent activities.

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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/2022, sequium asset solutions LLC, added a collections account to my credit report of over {$300.00} without any notice, letter, phone call, email, text, visitation etc. I have not heard from these people a single time. I even tried calling them once and I couldn't get a hold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through XXXX and Transunion to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both XXXX and Transunion on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with XXXX and Transunion with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.

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 non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/2022 around XXXX pm I received a disrespectful call from Chrysler Capital employee in the executive office that goes by the name of XXXX employee ID # XXXX. XXXX proceeded to tell me that they received my FTC report concerning the loan and wanted to know what they should do. I told XXXX since I filed a report with the Federal Trade Commission I would like for you to accept the report and I would like for you to 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. 
XXXX reply in said : 1. " Chrysler Capital will not be making any adjustments to the account ''.

2. " Chrysler Capital has reviewed the account and they declared it's valid ''. 
3. " Chrysler Capital will not be releasing the lien on the title. 
XXXX was very rude and also had poor customer service. 
Below my FTC report is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: OH

Complaint narrative:
I have credit freeze, a fraud alert, credit locked, and social security number frozen. i keep getting alerts that i have new accounts. How can that happen? It's always XXXX  XXXX XXXX. I have talk to them over 5 times over the last 3 months about me not applying for this card. They say they will take care of it, but once again XXXX  XXXX XXXX approved a card with a {$12000.00} credit limit. I have also talked to all XXXX credit reporting agencies. Nothing seems to get done. This is starting to effect my health. I am at my wits end. PLEASE HELP!!!!

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 non-monetary relief