vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: GA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A copy of my debit card was used in Virginia 3 times, while I was in XXXX, Texas. I have disputed these with the bank twice, Capital One and they insist I made the charges and will no longer dispute them and they have taken the money out of my account and refuse to give it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have never missed a payment for the house. They send on my statements, its been 1 year they are not applying my payments. This is what they do. They do not help the consumer. I just want the XXXX away from this company, shellpoint. I've been trying to refinance our home for over a year. They have destroyed my credit, so they trap people from this. So many complaints against this crooked company. So many class action law suites. I pray the government will punish them, and harshly sues them hard. The XXXX XXXX XXXX also has a lot of info what this company does to people. Thank you for your time. They also are full of extortion on what they charge people. I paid my own house ins. and flood. total, also property tax. for total, XXXX They, shellpoint, charges XXXX, for the same coverage. XXXX, XXXX XXXX. This is not right. Please help me get away from this evil company ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: NC

Complaint narrative:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I have told Transunion that I have been a victim of identity theft but the inquiries have not been 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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Multiple inquires from XXXX and XXXX  XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my XXXX  report XXXX, XXXX, and XXXX XXXX  from all of my credit reports via XXXX, Transunion, and 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 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I was severely financially impacted by Covid 19. I lost jobs 2 times during the pandemic, and most recently on XX/XX/XXXX I lost a 2nd job. 
My mortgage on my house is due to foreclose in 1 month. 
My entire life savings has been put into the house and now I May loose all of it. 
For most Americans out hime are our biggest investment. 
There is no way I can start paying a loan back in full this month. 
The loan company failed to send a deferral letter during the entire Covid pandemic and they just sent one XXXX XXXXsaying it was to be signed on XX/XX/XXXX. 
The letter says I have 30 days till XX/XX/XXXX to sign. How can this happen? Mortgage company SPS ( select portfolio servicing ) Sends a letter that was suppose to be sent months ago but they send it 1 day before its due for signing. Which I am not signing. 
Point is also they wont let me have contact with the loan holder to ask to refinance, the current 6.7 % interest rate on my home. When all the new loans for new homes are at XXXX or 3 %. If they would adjust my interest rate to 3 % my house would be affordable. 
But they refuse saying they dont refinance in forebearance. 
Well shouldnt that be an exception, an exception because we are in extraordinary times during a pandemic. 
Wouldnt it make sense to help the homeowner refinance and be able to pay off the mortgage and stay in the home? 
I dont understand why banks would not want people to be able to reduce their interest rate to stay in the house. 

This pandemic is far from over, new variants, new strains will continue to develop until we find a way to beat this thing. 
Economy will shut down firm again in winter when we are all indoors again. 
In the northeast its bitterly cold in winter where will we go to be warm, to take care of aging parents and children on the street? 
In the meantime millions of families, elderly, poor and XXXX will be thrown out of homes. If this county thinks homeless population is high just way for XX/XX/XXXXwhen the foreclosures skyrocket and the only ones who will profit will be the real estate agents and large companies and banks who resell the house for double profit than originally bought. Because theres a housing shortage and these people know they can get maximum dollar in the foreclosure of the home. 
Its pathetic and just what happened in XXXX. Has corporate America not learned anything, has the US government not learned anything? 
Please please help Americans stay in their homes and not be homeless in massive tent cities across America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
Regarding an older collection debt {$850.00} from XXXX that had fell off my credit report. It has now reappeared in XX/XX/XXXX by a collection company called Credit Corp Solutions reporting that this account was opened in XX/XX/XXXX, so it looks like they have re-aged a fairly old debt without any communication with or from me that could actually re-age it. This is fraudulent behavior. I have not at any time been in contact with any agency regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, Consumer XXXX XXXX have an issue with the way my consumer report was improperly used. Pursuant to 15USC 1681n, a person who obtains a consumer report under false pretenses or knowingly without a permissible purpose must be held liable for their failure or damages. Proof of said failures and damages are included in the image attached to this complaint, which shows the consumer reporting agency ( Transunion ) is admitting to willfully failing to comply to the rules under this subchapter through deletion of seven inquiries that I did not consent to, authorize, nor benefit from when previously confronted. Therefore I am due remedy for each inquiry that caused damage to me and my consumer credit report. I demand {$1000.00} compensation for each inquiry listed below. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6. XXXXXXXX XXXX  XX/XX/XXXX 7. XXXX XXXX- XX/XX/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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a {$600.00} USD payment and on XX/XX/2021 I initiated a payment of {$1400.00} USD to a recipient of whom I thought worked for a real estate agency for a house payment. However they did not work for the housing agency. They used non legitimate documents and claims to snake the money away from me via XXXX and Bank Of America. They provided me with Fake Approval Letters, and Lease documentation as well in which I printed it out because it was emailed to me. I signed it & sent a picture back to the scammer. I still have access to the phone numbers & emails that were used to get information from me. As well as the person whom I initially was contacted by on XXXX marketplace regarding the home listing. I contacted Bank of America and of course they said there was nothing that they could do on their ends to track whom did this nor reimburse my funds. Frustrating situation. I even contacted my insurance provider ( Progressive ) to get renters insurance on the property. I can be reached at 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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. Equifax stated they would remove this information but it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is currently violating the FCRA. They refuse to do a sufficient investigation into an inaccurate account ( Bankruptcy ) they are reporting on my credit report. They have misrepresented the furnisher of the inaccurate information, as verifying the alleged account. On today, per the FCRA I am requesting that they provided the method of verification used to verify this inaccurate account as 100 percent accurate and complete. I am sending this verification request overnight via XXXX. Experian will receive on Monday and tracking will show proof of receipt. I included a copy of my drivers license and passport for identification purposes. 

Experian will have 15 days from the receipt of this request to provide me with their method of verification used to verify this account. Per the FCRA if they fail to do so they must delete the inaccurate account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. After submitting request to Experian the FRAUD information is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: IL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank
State: OH

Complaint narrative:
I have a first progress credit card. Where I make a {$100.00} minimum payment. I payed on time thorough out all the pandemic. I recently have gone through a financial hardship and I missed one payment because of that. I then made the payment but I still had a late payment on my record. It was in XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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:
I have sent TransUnion severs letters asking for verification of the accounts. Trans union is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.

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