vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I Experian put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing Experian. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.

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 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have done or have any business with ENHANCED RECOVERY CO or account # XXXX this item is fraudulently report on all my credit reports. I demand that this be removed from my account immediately as it is effecting my scores. I currently have phone service with XXXX so I have no idea why this is on my credit report. This account also isnt reported on all credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
The state of Texas gave me 100 % tax exemption due to me be 100 % XXXX through the department of va and i submitted the paperwork to the bank on XX/XX/XXXX so that my taxes can be removed.starting a week after that date they started telling me to call back every 2 days to check on it. When they finally admitted that they had it they started telling me random statuses and to call back in 2 days. on the XX/XX/XXXXi asked them what to do about the payment being that it was due and the payment amount was going to change. i was told that i should just wait because the payment amount would definitely be ready by the XXXX. well now they are saying that it should be done by the XXXX and i need to pay the full amount that contains the taxes that the state of taxes doesn't even charge me for because i don't want the late payment to hit my credit. in the last month they have given me lie after lie and now i am in financial hardship. I cant get a honest answer out of anyone and when i am told that they will call me back they never do. i called on the XXXX of XXXX and they told me that its now not going to be touched until the day after the last day that i can pay without it being considered late and the reason that its taking them so long is because my account is new. they are charging me tax that i do not owe and dragging their feet from payment to payment. their business practices is predatory towards XXXX veterans and i really need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to Equifax. The complaint number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Equifax to resolve anything. In fact, I know that there was data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This medical bill shows in my credit report is not belongs to me. 
I want the company to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I called my finance company to get some help regarding my XXXX payment due to COVID-19. They offered a deferment for the payment to go to the end of my contact. I agreed in order for me not to lose my car. They asked for a payment of {$50.00} I gave the payment. Thereafter I keep making small parcial payments for XX/XX/2020 {$280.00}. XX/XX/2020 {$150.00}. XX/XX/2020 {$82.00}. XX/XX/2020 {$570.00}. XX/XX/2020 {$12.00}. XX/XX/2020 {$570.00} All of these payments have not been deducted from my balance. When I noticed and called they couldnt give me an explainable reason All they said was it all went to my interest. {$1600.00} and nothing to my principal balance. Until the month of XXXX it started going to my principal balance and to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NY

Complaint narrative:
I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.

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 2021-01-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMEX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Good morning, I did not know how to classify or put into category according to your site. This has to do with my payments made to Shop Your Way - Sears credit card. I have attached statements which will show my balance for the month of XXXX, XXXX, XXXX as well one labeled Recent Statement - XXXX. My payments have been paid on time since I have acquired the card. In XXXX, I made a payment on time but notice Sears did not show the payment. I resubmitted my payment on 5 days later which was late and I was assessed a late of {$28.00}, which in enclosed as an attachment. However, Sears is saying owe a totat of XXXX as payment for XXXX. In XXXX I made payments of {$190.00}. In XXXX I made my payment early of {$150.00}, yet it still show payment due for XXXX of {$130.00}. On the XXXX statement, it shows a payment due of {$280.00} with my balance being approximately {$85.00} over. On another statement dated for XXXX, it shows my balance of {$4100.00} with a minimum payment of {$480.00}. The XXXX statement shows balance of {$4100.00} ; XXXX statement shows balance of {$4000.00} ; and XXXX statement shows balance of {$4100.00}. During this time in XXXX I made a payment of {$160.00} plus additional payment of {$39.00}. Then beginning of the new year in XX/XX/XXXX I made a payment of {$150.00}. As stated in the of the complaint, I did not know which category to place the complaint. However, I am not trying to be dishonest because I pay my bills on time always. I do believe I am being overly charged since I have not used the account in a while. I am being assessed unnecessarily which is making an extremely high monthly payments due. My usual payments range from XXXX monthly payment to {$160.00}. I want my monthly payment to reflect reasonably without anything extra added. My balance is {$3800.00}. currently. I do not owe anything for XXXX since I made my payment early. I am asking for your assistance in this matter.

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 2021-01-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I accidently transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to let them not to process this transaction on XX/XX/2020. 

Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. 

The fake website which I had accidently transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. 

Citibank is not protecting its customers from such fraudulent transactions.

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 2021-01-04 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:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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: WA

Complaint narrative:
XXXX and XXXX are reporting an account that went to collections as paid off in XX/XX/XXXX but was actually paid off in XXXX. 

This Collection recording has dropped my credit score again as of XXXX for an account that has been paid off since 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 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have been requesting a payof letter from my mortgage servicer, LoanCare, since XX/XX/XXXX ; it is now XX/XX/XXXX and they have passed the 7 business days allowed by federal law. My loan is current and I have never missed a payment on this mortgage or any account in my name. 
LoanCare is using deceptive practices and this should be resolved. 
The closing of the sale of my home is now in danger of being extended or altogether cancelled because of this companys negligence.

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 2021-01-04 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: MD

Complaint narrative:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT THE FRAUDULENT APPLICATION IN MY NAME. 

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: MD

Complaint narrative:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT THE FRAUDULENT APPLICATION IN MY NAME. 

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank sent me a card with a {$40000.00} limit that I did not apply for. When I called they would not tell me who opened the account, when or anything, The only thing they would do was close the account.

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 2021-01-04 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank put out a notice. I first saw this notice on Thursday XX/XX/XXXX on my mobile banking app. The notice stated that the company was taking this time to process payments and the funds would be available at XXXX, specifically, on Monday XX/XX/XXXX. It is now after XXXX and from what I can see, nobody has received their payment. When anyone calls, they are told that they ( Key Bank ) does not have an answer for this and if it is not shown to be pending then the customer would not be receiving payment. Customers were also told " if you didn't get it by now, you're not getting it '' Which is completely untrue, unless it was stolen by the bank, during processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am XXXX XXXX, I was incarcerated from XX/XX/XXXX, through XX/XX/XXXX. During this time XXXX XXXX was assigned as my POA. My credit cards were stolen from her possession. The Cards were reported stolen, and reissued, but time and again the card was intercepted and taken. In order to preserve my credit, my POA paid minimum payments until my release from prison. I found out that multiple cards were opened in my name. Police reports were made. The person that stole my identity and credit has been arrested, charged, and waiting sentencing. She has been indicted. There are approx 30 felony charges against the person. My POA sent copy of police report, copy of proof of the person charged and arrested. Yet TD Bank REFUSES to acknowledge the theft, and REFUSES to remove the fraud charges and refund all money paid to them. The are destroying my credit. All other Banks have finally refunded and removed are charges. I am asking the Banking department to assist in getting TD Bank to acknowledge the theft and remove all charges, restore my credit and refund money that was paid to keep the account current until I was free to fight this action myself. The Prosecutors office has already made clear that this card is part of the criminal action against the person responsible. 
Please feel free to contact me. 
The Prosecutor file number : XXXX in XXXX XXXX Victim Witness Advocate is XXXX XXXX XXXX. Because XXXX XXXX is my POA the Prosecutor acknowledged the theft and therefore prosecuted. 
Complaint Actions Requesting to have TD Card Services REMOVE all Charges, RESTORE my credit, and REFUND all payments made on fraudulent charges. All other card accounts from XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, etc. have refunded

Company response to consumer: Closed with explanation