vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by XXXX XXXX   on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander XXXX : This was was voluntarily given back and the engine blew when the car only had XXXX miles and insurance wouldn't pay for it. This meant the funds were not available for the engine and the car which should of been covered under insurance and it left unable to pay for the car at this time It was voluntarily given back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: IA

Complaint narrative:
in XXXX i tried to buy a mattress and have it leased through acima. i never received the mattress and in that time i had also loss my phone number yet i still contacted acima telling them i never received the mattress and would not need to have it leased anymore. in XXXX i realized that it is still trying to be collected even though the lease wasn't needed and i never got the product it was intended for. they still wont remove it and say i still owe. I have contacted this company and the company i tried to get the mattress through and both were non-caring and very unhelpful, needless to say if it seems like a scam it probably is. The original company i tried to work with went under for fraud and a new owner is running the mattress " company '' he wouldn't have had to owe anything all he had to do was cancel the order to the lease firm. he would not do so for no apparent reason other than to make my life difficult and teach me a lesson. I just don't understand people anymore and dint want it to be this big of a deal but if the original person went away for fraud you think he would try to make the company look good, but like i said before if it looks like a scam it probably is,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX XXXX  on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Attempted to retrieve my annual credit report on-line from Equifax ( via XXXX ) on XX/XX/2020 at XXXX EST. Equifax stated they are unable to provide on-line delivery of my credit report and that I am required to submit the request via postal mail ( see attached ). 

With all due respect to Equifax, the other credit reporting agencies ( XXXX XXXX XXXX ) were able to provide my credit report on-line. Please advise. 

Would appreciate your assistance with this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: MN

Complaint narrative:
Equifax I would like to Exercise my right using the fair credit reporting act 609 section act its states if a consumer may request its full credit reports including all information that is in the reports including investigation from prior investigation send me everything that is in my credit file Im concerned that you believe some credit repair company is sending information to you please send me everything in my credit file Company 's Response Thank you for submitting a complaint through the CFPB Complaint Portal. The format, verbiage, and associated document ( s ) in this complaint are similar to other complaints received from credit repair companies. Because this complaint does not appear to be a direct communication by a consumer, Equifax will not initiate an investigation into the disputed item ( s ) at this time. Please be advised that you do not need a credit repair organization to help you with your Equifax credit report. You may contact Equifax at XXXX or visit https : //www.myequifax.com to create an account, manage your Equifax credit file, and initiate a dispute. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANNER CORPORATION
State: CA

Complaint narrative:
On XXXX XX/XX/2020 through a series of 5 transactions of {$1900.00} ( the maximum amount allowed per transaction ) I transferred {$9500.00} from my Banner Bank account to my XXXX account. None of my transactions were completed, of the 5 transfers I requested, 2 were returned to my Banner Bank account but the other 3 are still missing ( for a total of {$5700.00} ). 

I spoke to XXXX XXXX and they said that they have a tracer number for each of the transactions indicating they returned the transfers. However, Banner Bank is stating that they have not received the transactions back from XXXX. 

Banner Bank : XXXX XXXX XXXX XXXX, WA  XXXX ( XXXX ) XXXX XXXX XXXX  : XXXX   XXXX XXXX  XXXX XXXX CA  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 non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to unfreeze my credit with Experian for over a year. I have repeatedly tried to get in touch with an Experian representative, but I have only been met with an automated system for all the customer service lines. After trying online, and sending my required proof of identification documents to the address provided : Experian Security Freeze, XXXX XXXX XXXX XXXX TX XXXX, I have received no update or reply. My credit remains frozen.

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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/20 I received a call from Mrs. XXXX the ( CRM ) I was told that I was being put on a forbearance and that the 3 months Payments not made would be put on the end of my loan that I would have to pay 3 months longer. Then a month later I received another call from BOA and I was told on XX/XX/20 by XXXX XXXX that I was given the wrong information on XX/XX/20 an hour long call with Mrs.XXXX and their supervisor. XXXX XXXX stated that I was 1 day to late for a forbearance and I was given the WRONG information from MrsXXXXXXXX and her supervisor XXXX XXXX. I ask XXXX to review the conversation from XX/XX/20 because they say the conversation are recorded. I just want them to honor the hour long call that I received on XX/XX/20 telling me that I was on a forbearance and didn't have to make any payments for 3mts by at the time my CRM Mrs. XXXX and her supervisor 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
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
Company " XXXX XXXX XXXX, XXXX  '' dba " XXXX '' ( XXXX ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by XXXX to pay fee using an email online form or XXXX 's legal team would file a claim against Client. Client responded with completed authorization form within due time. XXXX did not process the payment. Rather, after 1 month of not responding, XXXX filed a claim from their legal team to collect more funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
Good afternoon, Consumer Financial Protection Bureau. 

Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. 

The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. 

I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. 

on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. 

The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). 

I have received threatening letter and call about this account that has already been disputed. 

I really need you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
I have a loan with XXXX ( Monterey Financial Services Inc. ) to the tune of {$3500.00}. They are charging me a 39 % interest rate. Im XXXX XXXX XXXX and unemployed, I have tried to negotiate payment plans and a different amount. I can not afford to pay them so I told them to please send me to collections ( multiple times. ) They will not stop calling me and now they are calling my mother ( whom is not even associated with the account ). They are harassing me and telling me that I need to give them my attorneys name and number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
I previously had an account with XXXX XXXX in which the service was terminated. They sent me a bill saying I have a past due balance and a last bill. I paid over {$2000.00} to take care of this collection account. This account was to be deleted after a paid the account. This account has failed to be removed from 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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax sent me a letter ( 3 times!!! ) that stated they need proper identifcation to verify my disputes. I've sent them a copy of my ID and my social security card and they sent ANOTHER letter requesting the same information!! At this point, I'm convinced they are avoiding investigating the negative accounts on my credit report. The last letter with a copy of my ID and social security card was sent on XX/XX/2020 and the tracking number [ XXXXUSPS ] shows it was received. I am disputing all negative accounts and BKs because my sister has a similar name [ XXXX XXXX-my sister 's name ] of mine and we have a lot of accounts that are the similar from the same companies and I need for them to make sure all accounts are reporting properly and not cross referenced with my sister 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
NC Financial -XXXX : This is a fraudulent account. I have tried disputing this with the original company and they denied the request even though I have filed a police report against this. It needs to be removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2020-08-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Home Mortgage failure to MOV, pursuant to FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

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 2020-08-03 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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