vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I requested, under the Fair Credit and Reporting Act section 609, that Experian, XXXX, and XXXX verify incorrect, inaccurate, and inconsistent items I located on accounts reflected on my credit report. These have negatively impacted my ability to receive credit and have caused a high-level of embarrassment for myself and my family. I reached out to the three bureaus over 30 days ago and have yet to receive any feedback, correction, or verification on this matter. All three bureaus are reporting inconsistent and inaccurate information in relation to the XXXX XXXX XXXX XXXX and XXXX  accounts. At this point, I would like to have these items removed as they are incorrect, inaccurate, unverifiable, and the bureaus have violated their allotted 30-day compliance regulation. Experian then responded to my complaint requesting identification documentation that I had already submitted to them. I have sent more documentation as they requested but still would like the information DELETED due to their violations of the 30-day response or validate regulation set forth by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Was not getting any of my benefits only was reviving it for 3 months also having trouble with my debit card when I went to make a purchase always said declined Bank of America all ways gave me issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
After the CARES Act, I filed for mortgage forbearance for 6 months ( XX/XX/XXXX ) from my service provider. That was a problem because I was initially told I did not have a federally backed mortgage, which was untrue, because my mortgage is backed by XXXX XXXX. Eventually, I received that 6-month forbearance after much back and forth, phone calls, etc. 

Servicer : Select Portfolio Servicing Inc. 
Loan Account Number : XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX XXXX What is happening now : I requested by letter to my provider twice, XXXX XXXX and XXXX XXXX, XXXX ( as well as verbally on the phone ) to add an additional 6-month forbearance which the CARES Act provides me. On XXXX XXXX, instead of responding to that additional 6-month forbearance request, they sent me an " Assistance Decision Review Notice '' as part of a Loss Mitigation Program Decision stating that I now had a new payment and payment date starting XXXX XXXX, XXXX. The letter stating " Congratulations! You have qualified for and we are pleased to offer you a SPS Trial Modification. This program is intended to help you avoid foreclosure or other legal action. '' On XXXX XXXX, I sent an email to my relationship manager, XXXX XXXX ( XXXX ) as well as submitted multiple letters online re-stating my request for additional 6-month forbearance. It is not time to discuss what happens when the forbearance ends. My plan was to add the add the payments not made to the back end of my mortgage. The mortgage 's current principal balance is currently {$26000.00}. 

What I want : I want my servicer to adhere to CARES Act rules by permitting my request for an additional 6 months of forbearance. I want not to have to keep doing this dance with them into perpetuity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
XXXX of my relatives received a phone call from XXXX to locate me but they refused to provide an information. I called them and they said I have an unpaid debt from XXXX XXXX and did not provide me enough information but only provide a named XXXX XXXX. Also, they refused to tell me which company they are calling from and threaten to file a lawsuit against me. I tell them I will call my creditor for more information. Later on, I spoke to the creditor, they provided me the 3rd party collection information called DNF Associates ( who actually is handling my account ). I called XXXX XXXX and told me to get information for DNF. I realized this guy was being shady.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citibank has lowered all of my credit limits and is damaging my credit score. I have never had a late payment and have never been over my credit limit. My credit score is being damaged by their malicious practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Portfolio Recovery Associates nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi Diamond Preferred Mastercard and have had the account with Citi since XXXX. On XX/XX/XXXX, I received an email notice of a promotional offer for 5 % back on online purchases made between XX/XX/XXXX and XX/XX/XXXX ( XXXX Monday ), so I enrolled using the button in their email. On XX/XX/XXXX XXXX XXXX Monday ), I made an online purchase with XXXX in the amount of {$370.00}, forgoing 3 % back I would have received by using a different credit card. The purchase immediately XXXX on XX/XX/XXXX ) appeared as a pending charge to my Citi Mastercard. XXXX, due to a large number of orders received on XXXX Monday, did not ship the order out until XX/XX/XXXX, at which time the charge was finalized at {$370.00}. Citi failed to provide the 5 % back. I initiated an online chat with Citi asking why the 5 % back was not made. Citi 's response was that, even though the purchase was made on XX/XX/XXXX, the charge was not finalized until XX/XX/XXXX, thus occurring after the offer period and said too bad, there was nothing they could do about it. 

A credit card operation as large as Citi is well aware that many vendors, on XXXX Monday, will have charges that are finalized a few days after the purchase date. As I pointed out in my online chat, Citi must have a similar situation with many other XXXX Monday transactions. To entice consumers to use Citi 's card by promising 5 % back, then failing to provide the 5 % back on XXXX Monday purchases, under the guise of 'the charge was finalized after XXXX Monday ' is disingenuous, if not an act of widespread consumer fraud. Citi has defrauded me {$18.00}. Multiply this by countless other similarly situated victims.

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 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
The Bureaus Inc put on my credit report an account where I was never served notice of the collection item and was never given a chance to dispute it or ask for proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/2020 I contacted Security Credit Systems regarding a fraudulent account that was listed on my credit report. I was able to remove the account with the credit bureaus in the past. However Security Credit System reinserted it onto my credit report. I called Security Credit system & informed the representative that I was a victim of identity theft & that the account did not belong to me. The representative told me that he would call XXXX ( the original creditor ) to request documentation from them that had my signature on it to verify if the account belong to me. He also instructed me to email a copy of my police report. I emailed the police report on XX/XX/2020. I have yet to receive any documentation from the creditor showing why they are validating that the account belong to me. In addition to emailing the police report, I also sent mail physical copy along with my identity theft report filed with the FTC. I was able to print off a document prepared by the FTC requesting that they send me documentation showing me my signature on any form related to the account as well. The collection agency has failed to send me any documentation other than a bill related to the account. Yet I was informed by XXXX  on XX/XX/2020 that they verified my collection as accurate in my dispute on XX/XX/XXXX. HOW is it accurate? When I am clearly providing them with the documentation that I am a victim of identity theft. The account is a result of identity theft. I attempted to call Security Credit Systems on XX/XX/2020 to discuss the account but now I am being sent straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R&R Professional Recovery, Inc.
State: NJ

Complaint narrative:
R & R Prfssnl Recovery has a account on my credit that doesn't belong to me they have never sent me any documentation of the account or a time for me to dispute the claim. I have received nothing from this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TD BANK USA/TARGETCREDIT XXXX XXXX XXXX nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of Equifax data breach. I demand to remove those accounts from my credit report or I will file litigation.

Company response to consumer: Closed with explanation