vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: MI

Complaint narrative:
On XXXX XXXX i sent letters to Equifax, XXXX, XXXX  stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING 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 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING 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 non-monetary relief
Consumer complaint received 2021-06-09 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I got this accounts that are not mine : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.

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 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I originally made a modification in XXXX of XXXX to reduce the interest. Interest was reduced to 65 %. Then in XXXX of XXXX I called to settle because the loan is never ending and financially killing me. I paid {$3000.00} to settle and was told the remaining balance which in XX/XX/XXXX was around {$6500.00}. The remaining balance around {$3500.00} was supposed to be 0 % interest to pay off. I have statements showing 0 % and now I'm showing 66 % and a balance of {$4700.00}. They said there was an error in transfer of paperwork that they should of been charging 66 %. This was not what was agreed. I have not missed the payments. I try to pay the debt off but it is never ending. I told them I have a statement showing the 0 % and they tell me that they do not offer 0 %, but the statement clearly shows 0 %. I have attached a picture of the 0 % interest that I told them it was at and now at 66 %. They don't listen to anything I say. I've been trying for 3 days now to settle this. I would of never sent them the {$3000.00} upfront, that I struggled to get because at the time work was slow because of COVID. But I needed to do something to get out of the interest. That is why I settled the loan for 0 %. Other wise why would I go from a modification of the interest at 65 % to a 66 % interest rate? I wouldn't. Please help as I can't do this anymore with the interest and I don't want to file BK on this. So with the {$3000.00} lump sum paid and if I pay there current pay off amount of {$4700.00} that puts me well over the {$6200.00} loan that was initially what they gave me. Not including all the years of payments I had already paid at $ 400+ a month before XX/XX/XXXX. It is a killer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NY

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is a formal notice of my intent to file a complaint with the FTC, due to Bureau blatant and objectionable disregard of the law. 

I have submitted 2 letters to Bureau for disputing medical collection on my credit report. To date Bureau has not done their duty as mandated by law.

Federal law requires Bureau to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 


Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

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 2021-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
I have an FHA XXXX loan with XXXX  which is being serviced through Guaranteed Rate. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by Guaranteed Rate, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, Guaranteed Rate has told me I was just have to try and complete my renovation with the remaining project funds which is unacceptable. My house is just sitting now in danger of vandalism ( you name it XXXX and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage now for over a year for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to XXXX telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank or Guaranteed Rate regarding this directive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank America refuses to correct a online account that has my activities. From my EDD debit card .i was frauded last XXXX.I recieved a EDD card and I wanted to view my statements from XX/XX/XXXX when I recieved the card.But when I go to view my statement thenfraidstees user name is on my card account.ive spoke with supervisor from Bank of America she said she could fix it well as of XX/XX/XXXX the Fraudsters username is still in the account .Why? I dont want to be involved with the fraudsters The supervisor told me to use the fraudsters user name I refused to .and when I recieved my only card brand new it had XXXX dollars on it and deposits feom XX/XX/XXXX and a pln on it already.why? Also they mailed out 2 cards in XXXXof XXXX  to someone in my town and they refuse to tell me what adress .i filed anpolice report and told them it would help if we new the adress of the fraudsters.Bank said they could not release that info.I said it would mabey catch the fraudsters if I could give it to the police they refused..Why? The fraudsters got XXXX And IRS sent me 1099 forms saying I got that money and I did not.Why? I have disputed all transactoons and still waiting..Oh and my card has only the fraudsters deposits from XXXX of XXXX.Why? Help me please bank of America is out of control.and they should not be they have enough money to fix this problem of they want to because it is their fault not mine and the fraudsters adress needs to be told to the police so we can catch this guy.mabey thier are more than just me he frauded feauded.its lime they wont even call themselves to tell the cops were they sent the cards .its lime they dont want to catch the guy..Why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 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: MI

Complaint narrative:
On XXXX XXXX i sent letters to XXXX, XXXX, Transunion stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer 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 2021-06-09 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: OH

Complaint narrative:
I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) Transunion deleted the XXXX  accounts but XXXXXXXX  and XXXX  claimed they're verified that makes no sense, I want this competely and thoroughly investigated.

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 2021-06-09 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: OH

Complaint narrative:
I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) XXXX deleted the XXXX accounts but XXXX  and equifax claimed they're verified that makes no sense, I want this competely and thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my credit card account on XX/XX/2021, by phone. This was after I had a company remove their auto-charge as I was no longer doing business with them. The next statement had the charge and the credit plus a {$25.00} late fee. As I knew the charge was being reversed, I called the bank and closed the account, by phone on XXXX XXXX. When I closed it I told the man with whom I spoke not to put through any more auto-payments as I had been using the card as an 'emergency only ' card. He agreed to do that, and removed the {$25.00} charge. No mention was made of possible existing charges or late fees showing up at a later date, when he closed my account. I told him I didn't want to keep the card open even though Citi owed me over {$19.00} in rewards. How is a bank able to make charges on a closed account without notify the customer before the bill arrives? The bank continued to send me late fees on my closed account, which should have been at a XXXX  balance on XX/XX/2021.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
I keep getting calls from XXXX. Today XX/XX/XXXX, at XXXX est I get a call asking for XXXX and saying I have a XXXX loan from XXXX from Indiana . This is incorrect. I never took out a loan. I told them if they have my number, they have my address to mail an itemized bill to me. He repeats an Indiana address that is not mine. I told him he has the wrong person, to which he gets annoyed and says " I gave you the information bc you said yes ''. I tell him that I never said Yes. Asked him to repeat the name and I hear a name XXXX. I think? I said that is the wrong person. He claims he will put me on a no call list but I'm not sure. He seemed like he was trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
RESURGENT/LVNV FUNDING Account number XXXX I am a victim of identity Theft and this account is reporting on my credit file and negatively impacting my scores. This account does not belong to me. I have tried to fix this but have not gotten a response or proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I got my equifax credit report on XX/XX/2021, send a dispute letter to equifax on inaccurate reported items. I go back to check the results XX/XX/2021 and I have no trade lines, no name, nothing on my equifax report? How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have accounts that have late payment activity that is not correct, my account was never late.

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 2021-06-09 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: IL

Complaint narrative:
I have sent several letters that the inquiries do not belong to me and if they have proof show me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
XX/XX/XXXX afternoon, I've entered incorrect recipient personal identifiable information for a Business/organization ( as provided in the option ) for purchase of goods/services of {$490.00} because the business refused to provide their address and claimed that it is a sensitive information. The required information provided to TransferWise for sending money to the recipient was incorrect. The company did not do its due diligence in ensuring that the purchase/sale of a product/service from an organization/business ( Wise provided this selection without differentiating between sending an individual/family/friend whom you can trust and a business/organization where consumer protection is warranted ). I had input my information instead per recommendation for shipping purpose. The business refused to send the product that I have paid via TransferWise, and there was no cancellation button seen on the app. Wise was not available on the weekend as soon as I detected that the business disappeared from active communication, so when the weekend was finally over, I had called Wise to request for a cancellation to which they claimed to have successfully sent the money on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
NEW COMPLAINT ON LOAN NUMBER XXXX WITH SLS THIS IS A QUALIFIED WRITTEN REQUEST THAT SLS PROVIDE PROOF OF OWNERSHIP. PLEASE SUPPORT CLAIM OF OWNERSHIP OR REQUEST TO SERVICE MORTGAGE. ALSO PROOF OF OWNERSHIP OF THE ASSIGNMENT OF RIGHTS TO SERVICE MY LOAN XXXX XXXX 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