vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items 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 2021-01-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: HI

Complaint narrative:
In XXXX of 2018 I relocated to a new state and decided to close my local account and credit card with 5/3 bank. I went into a branch in XXXX KY and closed my account and instructed banker to close my card and paid my credit card in full. I was handed the remaining balance after full payment on my card in cash and was told to shred my card. I never received any mail or further contact from 5/3 indicating my card was open and had a balance. I was not aware until this year when I requested a credit report that my card I was told was closed and paid in full actually was open and had a {$2.00} balance that is now listed as a serious delinquency for being unpaid. I contacted 5/3 and they confirmed that this was their mistake and they would remove this and notify credit bureaus but that did not happen as it still shows up on my report. I also placed a consumer statement on my report at the time explaining as well. I need this resolved as this is inaccurate and unfair and I am being penalized for something that was not my fault. I have always used all credit responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
In brief, BSI Financial has failed to make property tax payments due from the mortgage escrow account it manages on my behalf. 

BSI acquired my mortage from the initial issuer with effect XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I provided them with documentation of our homeowners insurance policy and property tax obligations and asked for confirmation that they would make scheduled payments from the escrow account they manage. I did not receive a written response after multiple follow-ups ( see email thread attached ), so called and was told verbally that the next payment, a property tax payment due to XXXX XXXX County no later than XXXX XX/XX/XXXX, would go out on that date. 

BSI did not make this payment, as a result of which XXXX XXXX County assessed a 10 % penalty fee. I confirmed with BSI that they had failed to make the payment and was given verbal assurances that they would make it immediately and cover the penalty fee themselves. Two weeks passed without any response to my request for confirmation that they had done so. On XXXX XX/XX/XXXX a BSI representative stated in writing that they had issued payment to XXXX XXXX County on XXXX XXXX for the tax due, including the 10 % payment which they covered as a separate check. I confirmed through BSI 's web portal that my escrow account had been debited by amount of the original ( pre-penalty ) tax obligation. As of today, XXXX XX/XX/XXXX, my property tax payment including the overdue penalty is still outstanding according to XXXX XXXX County. 

As things stand today, BSI has thus debited my escrow account but failed to pay the property tax due or the overdue penalty incurred as a result of its failure to perform. BSI 's representative has also ignored my repeated requests for a written acknowledgment of the history of this interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a XXXX XXXX account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with XXXX XXXX so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit systems has been reporting to my credit for years without ever showing proof of the original owed amount before being sent to collections. I was not made aware of the debt and once I tried to resolve, received no explanation or confirmation that it was myself that actually accrued a debt or any previous attempt to collect from the original owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: MD

Complaint narrative:
This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights Section 611 ( a ) state that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has been over 80 days since my original letter was sent. The bureaus have a duty to provide notice of dispute which they are clearly ignoring. These violations are payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: OK

Complaint narrative:
A collection was placed on my account on XX/XX/21. It states I owe XXXX XXXX XXXX XXXX .. They have 2 collections in place. One in the amount for {$1700.00} and {$1100.00}. This hospital is located in XXXX XXXX, TX. A place Ive never been. I have reached out to the fairs department at my XXXX  to dispute these collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number  XXXX  XXXX XXXX XXXXaccount number 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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
MCA Management Company XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX fax has been ignoring my emails for over a year while I was trying to reach out and figure out how to pay them ( I was XXXX to XXXX for the XXXX all of 2020 ). All of a sudden I recieve an email from them stating what they are owed still. I think this practice is very shady. I can provide the emails I sent them regarding me trying to make payments. This company also opened credit accounts in my name which has affected my credit score after I contacted them trying to pay. They ignored me and elected to mess up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I've been incarcerated at the XXXX XXXX XXXX XXXX at XXXX. XXXX  XXXX XXXX, OK XXXX in the Oklahoma Department of corrections since XX/XX/XXXX at no time did I ever apply for the Guitar Center Credit Card Synchrony Bank. I've been a victim of Identity theft, at no time was this credit card sent to the above address on file. I've disputed this item with synchrony bank two times, both times I was denied. On XX/XX/XXXX the 2nd was just denied to too the fact the company says its a valid claim without doing a proper investigation with would clearly shows that I've been incarcerated in the Oklahoma Department of corrections which can easily be verified had the investigators properly took my situation seriously then there would've been no doubt that from the record it will show that I could not had applied for this account, that I was a victim of Identity theft. I have attached documents that shows when I stated my time, a copy of my prison ID, a Letter from my case manager from the Oklahoma Department of corrections, my 2nd dispute letter in reference to my dispute.

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 2021-01-28 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: AZ

Complaint narrative:
XXXX XXXX is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a Capital One account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with Capital One so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I'm XXXX with a XXXX  XXXX, my husband recently passed.and I was affected by XXXX  XXXX. I requested mortgage forbearance and mortgage assistance several times with my mortgage servicer. I was in a forbearance and my servicer tried to foreclose on my home XX/XX/2021 I was in the forbearance. I feel Fay Servicing is discriminating against me because I'm XXXX. I have income to pay my mortgage, they are difficult to work with. My Account Manager will not return calls, customer service gives me misleading information regarding mortgage assistance and the foreclosure sale set again for XXXX. I'm hurt and disheartened by Fay Service unethical servicing practices and the run around. I'm being forced out of my home by my servicer and the Account Manager. My home is listed for sale. Submitted short sale documents and MLS Listing to Fay Servicing to be processed. I have requested again the property foreclosure sale be canceled because of me selling my home but they refuse to stop foreclosure sale. XXXX XXXX is the Account Manager, she will not response to calls and she refuses to assist me. Fay Servicing LN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me XXXX  of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have paid this debt collection in full and they have promised to remove this off of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is our problem : I accidentally overpaid my XXXX XXXX XXXX bill through my Citibank online banking service on XX/XX/XXXX. Instead of paying the XXXX XXXX XXXX bill which was {$200.00}, I paid them {$1700.00} which was to go to my XXXX XXXX XXXX Visa bill. My mistake. I called XXXX XXXX XXXX about this problem in XXXX, and they told me they would reverse the amount of {$1300.00} ( {$1700.00} minus {$200.00} ) back to us through the Citibank bill pay. That was supposedly done on XX/XX/XXXX. It never showed up. At that time we thought it was the fault of XXXX XXXX XXXX. After many phone calls and letters, XXXX XXXX XXXX created two investigations on their end. We also conferenced call with Citibank agents and XXXX XXXX XXXX agents to prove it to XXXX XXXX XXXX that the reversal had never been received. Finally, after speaking to XXXX XXXX XXXX XXXX Payment Research Team and following their investigation of the problem, they believe ( XXXX XXXX XXXX ) and I believe that the problem was on the Citibank end. At that point in time, we wrote and sent a letter to Citibank detailing the problem and suggestions that XXXX XXXX XXXX had. That was sent and received XX/XX/XXXX by registered mail. We waited and heard nothing back. We sent a second letter by registered mail that was received XX/XX/XXXX and to this day have never heard back. We have been with Citibank since the XXXX 's and thought that at least someone would reach out to us. We hope someone can help us resolve this problem.

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 2021-01-28 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: FL

Complaint narrative:
Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt belong to me.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Originally open the account because of offer from the store for a discount. 

When I got the first bill in the mail I called them made payment for the full balance on the card, and requested for them to put the account on auto pay like I do all my cards, from my checking account that I made payment from # XXXX. I was told I either had to use the website or mail a form to me to return. I chose the letter because I've had problems with some websites before. Having completed that, I assumed the next bill would be Auto drafted. I was out of town in XXXX, coming back to tons of mail, I found a letter where they had sent my {$85.00} purchase in XXXX for collections and now when I called to ask why it wasn't on auto pay they told me I never got it set up. Now they want {$160.00} something dollars. I just told them it was unacceptable. They told me they would continue to add interest to the bill if I didn't pay it all. They offered me the card after I had already refused at the store to begin with, I was trying to put it on my credit card that I'm had for years thats on auto pay.

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 2021-01-28 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: GA

Complaint narrative:
I figured out in my credit report inquiries that I have never authorized nd account that I do not know. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. I do not know this account as well, this item is not mine. So please remove all of them as I can not move on in my life when I have unknown information in 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 2021-01-28 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: DISCOVER BANK
State: IL

Complaint narrative:
Someone stole my identity and received a Discover card in XXXX. Discover initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my XXXX  credit report. This is drastically affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: GA

Complaint narrative:
Hello i have been speaking with the crewditors and they have not removed this off my report and this is something im scared i wont be able to get help with they will not remove this information i did not apply for these and i did not sign or use my signature.

Company response to consumer: Closed with explanation