vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
XXXX XX/XX/2022. 
PLEASE DELETE INQUIRY. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have tried to dispute this collection service and to my understanding of the Fair Credit Reporting Act 15 USC 6802,1611,1692 ( 2 ) a, and 1681.Please understand this my rights to an Fair and Accurate validation of my personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I applied for a loan on XX/XX/22. I submitted docs that were asked of me including ID, bank statements, and pay stub and a authorization form by loan officer, XXXX. After that I did not hear anything back from them for a few days. I called and left messages on XX/XX/22 and XX/XX/22. Finally got a call back on XX/XX/22 and was told I needed to submit photos of my birth certificate and social security card because ID was expired. I submitted them XX/XX/22. Got a message to give them a call and I did. Was told I now needed to submit a picture of the back of my social security card. I did. Got a call today XX/XX/22 that because my birth certificate is a copy they could not accept it. They waited 4 days to tell me this. It has been one thing after another with them and it has been a frustrating experience to deal with. And looking my certificate its not a copy. It is the birth certificate my parents received at the hospital. But either way my time was wasted and I ended up with no loan. Reading other reviews its probably a good thing because they do not seem like a good company to do business with and loan officer, XXXX, lied to me multiple times saying she would submit my docs for final review but she never did. She said this each time after I submitted a new doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Applied for Wells Fargo Visa Signature Card on XXXX XX/XX/2022. Approved. But since then the card is not being sent at all. Called today. The customer service lady who picked up the phone call was laughing for no reasons. Asked to be connected to Escalation team and then talked to XXXX XXXX. She said that card was sent out yesterday only. Why in the world it's almost 18 days and the card is not being sent even after approved application?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to 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 non-monetary relief
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To Whom This May Concern, Back on XX/XX/2022, my bank institution, TD Bank, deposited a check in the amount of {$920.00}, ( XXXX DEBIT from " XXXX OF XXXX '', which wasn't my payroll check as I have multiple evidence, my job institution is " XXXX  ''. On XX/XX/XXXX, the reversal in the amount of {$920.00} was successfully refunded to the correct account. Apparently I've been told on numerous occasions, ( all conversations recorded by TD BanK ), that my account was yet again debited {$920.00} from XXXX XXXX restaurant, and upon speaking to the latest Rep, XXXX, she informed me that her supervisor, XXXX, told her that I needed to contact phone number, XXXX which is the " Federal Treasury Reserve department in order to receive my money in the amount of {$920.00}. I was shocked and appalled to know and be told that " I '' had to be the one to contact the XXXX department in order for them to send TD Bank the ok to reverse the funds back to my account. iI 've never in my 48 years and the length of time I've been banking with TD Bank, have I've ever heard and corporations tell me to contact the XXXX in order to handle my situation. At this point I don't know what else to do but to ask for your help and assistances to resolve this matter that has been going back and forth since XX/XX/2022. Look forward in hearing from u as soon as possible. Thanking u in advance. Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. Equifax is still reporting that my loans are still with an old servicer ( XXXX ) and that I still have a balance. This is incorrect information. I have letters from XXXX showing that my loans are paid in full. I also have a recent letter from XXXX stating that they have reported the updated information to Equifax, but Equifax refuses to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a checking and savings with Citibank and they called me the next day to verify my accounts and for some odd reason they done it one by one. Savings first and then checking. My savings went through so they called me back later to do the verification for the checking in which the representative barely spoke XXXX and input the wrong information on my credit verification and when I asked him about it and why he did he hung up the phone on me causing me to fail verification. I called back to get an explanation and everyone keeps saying they cant help me without a card number or account number in which they never gave me. They were so rude and mean about the situation and continued to hang up on me or transfer me to another recording or something that gave me no response. I have been trying to settle this situation with them for a week or more and I can never get help its always a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are seriously hurting peoples business with their ignorance and hate. I feel as I was XXXX  against and they automatically didnt like me upon hearing my voice. Its impossible to speak with a respectful or helpful person. And I would advise everyone to never deal with this bank. Once they have your money they can do whatever and its no one to speak with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
I am submitting this without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to Experian asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last XXXX of the social. I attempted to verify the full social and they refused to provide me with any further details. 

Experian also has XXXX accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. XXXX which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent several Letters to Transunion in reference to investigating 4 accounts that are reporting inaccurately on my credit report. Every time they respond they say that an investigation has been done and the items have been verified. But how can they be verified if the items are reported inaccurately? Showing different dates? Different Balances? Some balances not reporting at all. They have failed to do a thorough investigation on the items in question and with that being said they need to remove the items IMMEDIATLEY! THESE ITEMS REPORTING NEGATIVELY ON MY CREDIT REPORTING ARE HURTING MY GOOD REPUTATION AND NEED 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 non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have told the company several times I would not like to receive calls and I will call when Im ready to move forward with reconciliation. They call every day and different odd hours. Ive taken screen shots of the calls for proof. I made a payment and the answered the phone once after that. The lady specifically told me she cant schedule a call back when I told her it wasnt a good time, I stated that was okay and I will call back when Im ready to move forward with a payment plan. How do they go from not being able to schedule a call back but can call me every single day. I stated to them I will call when I am ready to move forward and they keep harassing me. Its ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
XX/XX/2022 : XXXX. I logged into my PHH Mortgage account and found that I was somehow behind on payments. I had never received a late payment notice via XXXX or email -- not in spam, nothing. It turns out that I had paid my escrow incorrectly, so all of my payments ( that I was making automatically every month ) were being marked as 'unpaid " since I had an escrow shortage. 
XXXX. I called PHH, and they informed me that since I am signed up for paperless billing, I DON'T get email notifications or an e-bill of any kind!!! How is that a paperless bill?? I am supposed to log into my account to see my bills, or to see if there is a late payment. Never in my life have I worked with a company that provides ZERO notification of bills, late payments, etc. 
XXXX. The customer service rep and I both tried to get their online payment system to work, and could not. She said it was because of XXXX XXXX XXXX  ( can't even schedule a payment online, but I can talk to a rep on a holiday?? ) and to try on Monday. 


XX/XX/2022 : I logged into PHH and still, the payment system wouldn't let me make an escrow shortage payment on its own -- it had to be in addition to TWO regular payments ( not one -- if you choose one, it doesn't let you pay an escrow shortage ), so I went ahead and did that, totaling {$5300.00} for XXXX mortgage payments plus the escrow shortage. 

XX/XX/2022 ( I think ) : XXXX. I logged in again, and it showed I have an upcoming bill for XXXX, even though I had made XXXX payments ( NOT to principle ). 
XXXX. My husband called them and tried to sort it out. They said it would be fixed in the system within 5 days, and that we'd just owe {$200.00} in XXXX, and then from XXXX on we'd make regular payments of {$2300.00}. 
XXXX. We switched to XXXX billing, to make sure we don't miss correspondence in the future. 

XX/XX/2022 : I logged into my PHH account and it STILL shows that we have a XXXX payment due, even though we've paid over $ XXXX this month! 

I would like the govt. to hold PHH accountable for : XXXX. Not contacting people ( at all! ) when they are signed up for e-billing -- not when they have a payment due, when a payment is late, or when late fees are applied. They expect you to sign into their system -- NO other lender or vendor has ever done this to us. We have a high credit score and pay our bills on time -- and have had mortgages on XXXX other homes in the past with XXXX XXXX, XXXX, etc.. This is either egregiously lazy on PHH XXXX part, or intentionally negligent in order to collect late fees. 

XXXX. Either lying about how their online payment system works, or just not having any idea. Twice we have been told it wasn't working or reflecting the correct numbers, but it would be 'fixed ' within a few days. Nothing was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX stenger & Stenger P.C was has violated multiple FDCA Law and was mailed and Affidavit of the truth highlighting the facts of the violation. I have not received any response as of yet. It has been past the 30 day time line. now they are in default.

Company response to consumer: Closed with explanation