vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I have never authorized SageStream LLC to access any of my credit reporting. I have a freeze on XXXX, XXXX and XXXX   because I did have identity theft which I had to involve the police in the city I live in because someone was fraudulently using my information. I don't know who this sagestream company is and I don't want them, nor did I ever allow them access to any of my information and they refused to stop accessing my information without my authorization. They are impacting by reporting to my bank a low credit score over 200 points less than what my actual credit score is. They're providing information to companies that I have never submitted a request for credit through. This is fraudulent activity unauthorized by me that has to do with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: LoanCare, LLC
State: RI

Complaint narrative:
Due to a COVID 19 hardship, I requested a 90 Forbearance on my mortgage loan with LoanCare LLC beginning XX/XX/XXXX and ending XX/XX/XXXX. My account was current as of XX/XX/XXXX and I have made my XX/XX/XXXX payment. I have been approved by LaonCare LLC for payment deferral of the three missed payments. 

LoanCare is reporting my loan as DELINQUENT to XXXX   and XXXX which has severely impacted my credit score! My account was current before the Forebearance and is now CURRENT and the CARES ACT prohibits mortgage companies from negatively reporting accounts that have requested forbearance because of a COVID 19 hardship. 

LoanCare says they will " look into it '' but it may take as long as 30 days to review. This is UNACCEPTABLE!!! My credit report and credit score are being held hostage by this company and they refuse to address it! I have spoken to no less than 12 people over the course of the last 10 days with no assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) .I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. Account is listed as collection / charge-off. It's showing a balance of {$1400.00}, per the FCRA this is a violation, balance should be XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On Tuesday, XX/XX/2020 at XXXX CST, I called the Barclays customer service phone number, ( XXXX ) XXXX. I'd noticed that my current APR is 26.99 % and I asked if there was anything they could do to lower the APR, or if they offered any special programs that would help lower the APR. The customer service representative ( I can not recall her name ) told me that they could not lower the APR and did not offer any other services. I asked if there was a supervisor who could help me ; she told me specifically that it wouldn't matter if I spoke to a supervisor, because Barclays would not allow any adjustments to be made to the APR. 

Given my financial situation over the years, I've worked with several credit card companies ( XXXX, XXXX, XXXX XXXX XXXXXXXX, and others ) who not only have been willing to lower my APR, but have taken steps beyond my initial request and offered me additional programs and services that could help me reduce the cost of my payments. 

I find it absurd and, frankly, offensive that Barclays refused to offer any assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-America Accounts Control Bureau, Inc.
State: TN

Complaint narrative:
The company originally contacted me via phone in early XXXX attempting to collect a debt for XXXX XXXX in XXXX, MO. I requested they verify the debt to me and to provide documentation. They provided no verification or documentation, and I heard nothing from the company until I found the alleged debt on my credit report in early XXXX. 

In early XXXX, I again contacted the company requesting verification of the debt. The first person I spoke to there told me they weren't required to provide any documentation or verification. I then contacted the state attorney general who confirmed for me that, in fact, the company was required to verify the debt and provide documentation. I contacted them again requesting verification of the debt. They told me they had no documentation of the debt, not even a copy of a bill, to show the debt was real. I asked for the collections statement to be removed from my credit report, but they would not do that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: ID

Complaint narrative:
These are not my accounts nor did I file Chapter XXXX bankruptcy. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: ID

Complaint narrative:
These are not my accounts nor did I file Chapter XXXX bankruptcy. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Please see attached letter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
Quicken Loans Mortgage Lender currently has a policy where if an outside third party vendor has your loan number and your last four of your social security. They can simply over the phone request your loan payoff amount. If they choose the wrong type of loan payoff amount, Quicken Loans charges their customer you the burrower {$25.00} per request. Quicken Loans has no other verification system in place and as stated in an email from customer service " assumes '' these companies are making this request on you the customer 's behalf. Quicken Loans provides no notification and the fees just keep piling up. The other real sad part of this in the fee schedule and structure they shared with them the fee for this " Service '' for third party vendors is " Up to {$25.00} ''. Which means this is literally at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
Received phone call from Collection Bureau of the Hudson Valley on XXXX XXXX and XXXX XXXX from XXXX. I pay my bills on time and have forever. I have nothing in collection status. My credit score is XXXX. I listened to the robocall message which stated to " Press 1 '' to speak to someone. I wanted to tell them to take my number off their call list. I've done this on both calls, but no one ever comes on the line. This company not answering the call so I can tell them to remove my number from their call list is unacceptable. 

I find this behavior harassing and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Found a hard inquiry on my credit report. Called the Barclays Delaware Bank who did the hard inquiry on XX/XX/XXXX and XXXX XXXX to try and dispute the inquiry. Received no response. Wrote a letter of dispute to Barclays on XX/XX/XXXX and received the response on XX/XX/XXXX stating the the inquiry was accurate. I have never applied for a credit card through this company and they are saying I did. When I contacted Barclays on  XX/XX/XXXX they said they don't have any records of me ever applying for a credit card. And if I did, the system deletes it after 90 days. The inquiry happened in XXXX. I contacted XXXX  the same day and they said I needed to call Barclays and request a letter of deletion to get the inquiry taken off my account. Once I asked for the letter, I was put on hold for several minutes then was disconnected. I called back and asked to speak to a supervisor and they made the statement that I can't let you speak to a supervisor because I don't have an account with the Barclays. I have reported them on XX/XX/XXXX to the XXXX  and now I'm reporting them to you. I need someone to give me the answers I seek and help me dispute this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX  on the Walmart website in XX/XX/2020 for {$470.00} plus tax ( {$490.00} ). I received the TV soon thereafter ; however, later I noticed I was charged a second time. I ordered one Tv, not two. I received one Tv. There is a bogus charge for the exact same amount on my Capital One Walmart Credit Card. Once again ... another exact charge on creditcard. Called once to Capital One,,, it was supposed to be looked into..do n't have the exact date. Called again around XX/XX/2020. Nothing was done prior and now they looked into this -- formally now. I was reimbursed on the creditcard soon thereafter -- temporarily. Then later Capital One says Walmart disputes the amt and the charges were placed back onto the creditcard. My dispute is with Walmart charging me 2 times. 

I was told to now supply all docs, receipts that I have and to fax to Capital One. Which I did on XX/XX/2020. Nothing heard yet. 

Would please like assistance to resolve this. I only ordered ONE TV. Please help as Walmart is charging my credit card for TWO tvs. 

Have docs for you when requested. Thanks for your kind help to resolve this >just want to be billed for exactly what I ordered ... .one TV. Take the second charge off my credit card.

Company response to consumer: Closed with explanation