vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: IL

Complaint narrative:
I have been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.

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 2021-07-22 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 have been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I tried to ask for help with my lender but my lender said there is no available option for me to save my home. I even asked FHA Covid Partial Claim and even said I am not also eligible for it. Tried submitting an application for loss mitigation and they also denied me. It seems that my lender does not want to help me at all and want to push foreclosing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: TX

Complaint narrative:
This debt does not belong to me. I have no dealings with Enhanced Recovery and have no business with them. I have never been notified regarding this debt. I found out about this unauthorized debt when I checked my credit report. These debt collectors are not following the laws. They are just buying debt to damage a person 's credit report without properly verifying the debt and the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was issued XXXX credit card when I leased a new XXXX 12 years ago. I never applied for this card, EVER, but did accept it once I received it. I had always paid it off monthly and never missed a payment. Due to my husband losing his job of over 10 years by layoff completely unexpectedly in XX/XX/2018, my being XXXX, followed by loss of much income over past 2 years due to pandemic, I incurred much debt by credit as I had to use them for groceries, to pay my mortgage, and other necessities. After 1 year of not paying, I have now been receiving multiple daily calls from the debt collector assigned by XXXX XXXX. They have called and texted ALL of my family members - my mother, my sister, my daughter in college, my ex-husband, and even my ex-mother in law. I asked 3 times to NOT call any family members. Mr. XXXX XXXX advised he would stop and made note of this 3 times as did his manager " XXXX. '' My mother was called and harassed again yesterday with Mr. XXXX telling her I said she would be settling my debt, leaving her in absolute tears. Again, I have spoken with this collector a few times and asked what my options are to settle down amount owed. While waiting for their answer, I tried to find a way to come up with this money. I am filing this complaint as no other debt collector has gone so far as to call, text, and leave voice mails on NUMEROUS occasions with family in order to embarrass me and smear my name. This collector also leaves me multiple messages a week threatening to sue me. Last communication was on XXXX XXXX XXXX. I have attached the ONLY written notification I have EVER received from them. It was by email. Never have I received one piece of mail from collector. I also attached email signature with settlement offer, which doesn't even match name of person/people I have spoken with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BHA Services
State: MI

Complaint narrative:
I returned a voicemail and spoke with a representative who wouldn't give straight answers to clarify their remarks and comments. 

Repeatedly throughout the call the representative made comments about the debit they were collecting on as " statute of limitations expiring today, '' " file leaving the floor, '' but also " pay the debt today. '' Which further confused me, how is a debt due for collection if statute of limitations are expiring? I'd also disclosed that I'd previously had to dispute a debt with a company several years ago because there were not one but two store credit accounts open in my name, one was valid and I maintained it until paid, but the other was not?

Instead, the collector continued to repeat the same few phrases about the file leaving collections ( which is strange because then why are you calling ), statue of limitations ending and this being out of his hands, but when I asked for the collector to send information they then took offense and claimed they were confused. 

I do think the representative was trying to deceive me by speaking quickly and using legal jargon to intimidate me into agreeing to pay a debt that I've disputed. It's unfair that these people call and use these tactics without furnishing hard copy details. What I received was a demand letter for payment to them, a company I've never worked with, not information regarding a legal agreement or contract or statements of the account in question. It just doesn't make sense. 

In a world where credit is better than cash, personal data is assessed currency value, and data breaches means consumers are left easily accessible for fraud, this entire contact is untrustworthy. In this world, I could easily send a thousand people letters implying I was representing a company they owed and demanded payment or they would face legal action, someone would eventually send me payment out of fear with no question of validation. 

That's not right and it's not fair, I'm tired of individuals being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a {$100.00} TD Bank Visa gift card from a client in XXXX. I put it in my briefcase, but when I finally decided to use it in XXXX, I noticed that there was an " inactivity fee '' of {$2.00} per month after twelve consecutive months of non-use. I presented my card at a restaurant on XX/XX/XXXX and I was told that the card was only worth {$45.00}. So TD Bank pocketed {$55.00} of my client 's gift to me. I saw that the fee was shown on the card 's activation sticker. I presented my complaint to the Massachusetts Banking Commission, but since TD Bank is a federal bank, they told me that only CFPB had authority. If my client had given me a gift certificate to that restaurant in XXXX, it would have still been worth {$100.00} in XXXX. I am not happy that TD Bank can move my client 's gift to their bottom line. I would like the card to give me the full value of {$100.00}. I mentioned this complaint to XXXX XXXX, the ombudsman at XXXX XXXX XXXX, but he told me that TD Bank was " within the law ''. I want to lodge a complaint about the unfairness of a law that allows a federal bank to confiscate gifts as I have described.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally bank restricted my emails in XXXX pay out of no reason. I have tried to contact them to know the reason and get this resolved. They are just impossible to work with. It took them days and still not know where the problem is. Worst bank ever. Their customer support is basically useless, kept transferring me here and there. I can't not even remove my email on their website. Now my emails are completely blocked by XXXX pay. Email is my personal property. I don't think it's legal for Ally Bank restricts and holds my emails.

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 2021-07-22 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: NJ

Complaint narrative:
I have noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries

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 2021-07-22 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: FL

Complaint narrative:
On XX/XX/2021 and again on XX/XX/2021 I sent letters to Experian XXXX and XXXX concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX report. After several phone calls and the additional letters, Experian and XXXX has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.

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 2021-07-22 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I requested XX/XX/XXXX investigation about how the account is actually reported to all three credit bureaus .Wether or not is Metro-2 and E-Oscar Complaint. 
Please reference to the CFPB complain copy attached. 
On XX/XX/XXXX Company replied that the debt is valid .I have NOT questioned validation of debt. 
I requested investigation several time already please see attached and have not received anything that looks like investigation report or even contract with my wet ink signature that I owe this company anything. 
According to XXXX ( XXXX and XXXX are not even reported, because account is not verifiable ) last time this account was reported in XXXX. 
That means that investigation was never started and/or completed. 
According to Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) : The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
In addition to that : Section 312 of the FACT Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 
I addition to that : Direct Disputes Rule : 1022.43. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in XXXX, it allowed consumers to also file disputes directly with the furnisher. 
Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Investigation Procedures. Under 623 ( b ) ( 1 ) )

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 2021-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MD

Complaint narrative:
I closed on my home loan with CMG XXXX  , XXXX  on XX/XX/2021. 

Before closing of my loan CMG XXXX  , XXXX was informed and acknowledged that my property taxes would be exempt because I am a XXXX XXXX XXXX Veteran. 

CMG XXXX , XXXX  made it clear that they would collect the property taxes due until the State of Maryland approved and recorded my tax exemption. 

The state of Maryland approved my tax exemption and XXXX County recorded my exemption. 

CMG XXXX  , XXXX was notified of the approval along with explanation that no property taxes are to be paid from me. Thus, CMG XXXX  , XXXX  was and still are obligated to return the amount of money collected from my monthly mortgage payment from XX/XX/XXXX to XX/XX/XXXX to me. Also, they are obligated to adjust my monthly mortgage payment to reflect the subtracted tax payments that will no longer be due. 

I have contacted CMG XXXX  , XXXX  several times and was told that the matter was being investigated and would be resolved before the XX/XX/XXXX payment is due. 

CMG XXXX  , XXXX has made it clear to me that they do not have any intention of honoring my Veterans Tax exemption any time in the near future. In fact, several phone representatives have informed me that CMG XXXX  , XXXX  does not have any idea as to what Veterans Tax exemption is? Also, they have not acknowledged that I have paid for a title search and that the tax exemption information is stated on the State of Maryland website and it only takes less than three minutes to access.

I am asking that CMG XXXX XXXX Release my escrow funds that they are not entitled to keep. I am also asking for CMG XXXX  , XXXX  to pay interest to me for the escrow funds kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My account has been restricted since XX/XX/2021 and it is now almost XXXX. I have only received correspondence from Capital One after filing my first CFPB complaint, which is why I am filing my 2nd complaint. 
I received a letter at the end of XXXX saying that they are closing my account and that they will send me a check in the mail for the funds remaining in my accounts in 7-10 business days, which is the action I wanted to be taken. However, it has been a month since and I still have not received a check in the mail. Many times I have called the number that was included in the letter that would directly connect me to the investigator, XXXX, that has been working on my case, but each time a robot says they are unavailable. I just want my money please. This is getting absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: NJ

Complaint narrative:
I have noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries

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 2021-07-22 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: NJ

Complaint narrative:
I have noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation