vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a call from a gentleman who claimed to be with US Bank. That is where I have a home equity loan. He told me I was chosen for a re-structure loan because of covid. When I started to ask questions about the product he was suggesting, he got angry with me and started to yell at me - which sent alarm bells off in my head! I told him I couldn't write anything down because I was driving. Again He got angry and told me to call him back when I was prepared to write things down. I then called US Bank to verify his existence as an employee of their 'Mortgage Assistance Dept. ' They said there was no one there by that name or number. So I am reporting this as attempted scam. What has me extremely worried is he had my information. My work number, the amount of the loan, address, phone number and the last four digits of my SS number. He said his name was XXXX XXXX and his number is 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 2021-07-30 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: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
LEWIS MCDONNELL & ASSOCI has an open account for the amount of {$3000.00} dollar 's which is on collections I'm sure I was not the person who opened that account LEWIS MCDONNELL & ASSOCI claims that I got rims and tires from some place I have tried to get them to understand that I didn't open such account to no avail my credit score is being affected by this false/ fraudulent account That needs to be removed and Immediately. Because ofLEWIS MCDONNELL & ASSOCI false/ fraudulent account I'm unable to get a home loan to buy a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Credit card company capital one refuses to accept my dispute request and has denied it despite me providing all necessary documentation they asked for. The case is clear - I am owed {$100.00} from XXXX for a XXXX hotel room I booked that was not as advertised. XXXX refunded the money to XXXX. XXXX refuses to refund the money to me. I have provided proof of that as you can see in the attachment. Capital one demands a letter from XXXX saying they will refund the money, but that is not possible as that is what the dispute is about - XXXX refuses to refund me my money that has already been refunded to them by XXXX. See the attachment for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: AL

Complaint narrative:
On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

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 2021-07-30 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: AL

Complaint narrative:
On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have contacted my mortgage holder XXXX XXXX at XXXX in an effort to have them give me access to my mortgage information via the internet. 

I have contacted them no less than 6 times for this matter. Each time I am told they will turn it over to their IT department and someone will fix the issue.

I have two pending case numbers with them XXXX XXXXXXXX and XXXX XXXXXXXX. My most recent conversation was on XX/XX/2021 with customer service. I was told again this matter would be sent over to their IT department and it would be handled. 

This is a real issue. I am not able to check on my balance. I am not able to pay an additional amount towards my principal or my escrow. 

The website has no guts to it. It is a blank white page. I have included a snap shot.

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 2021-07-30 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:
You have continued to report XXXX XXXX  as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.

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 2021-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received an unemployment benefit card that I did not request. It is a U.S. Bank ReliaCard. 

I suspect someone is using my identification to fraudulently claim unemployment compensation. 

I am alerting you so that action can be taken to prevent payment.

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 2021-07-30 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NC

Complaint narrative:
hese accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

20. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

26. Identity Theft TOYOTA MTR Account XXXX : XXXX This is not mine. 

27. Identity Theft XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/2021, I received a notice from Santander Consumer agency regarding a pending repossession.

I have attempted to reconcile this debt within their Co-vid 19 protections but it has been to no avail. 

These are the key points of my response. 

-Santander has violated the law per 15 US Code 1635 by not disclosing my right to rescind this transaction. Also, by using my credit report to coerce payment and as such you have violated FDCPA 806 harassment and abuse. The representation or implication that nonpayment of any debt will result in the seizure or garnishment of any property or wages is unlawful for any creditor or debt collector.

-Furthermore, upon purchase of the vehicle I was given a credit application not a loan application.

-There should be no cash involved in a consumer transaction. This lending company has been charging me monthly payments and interest rates ( finance charges ), all of which need to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
I checked my credit and ERC was reporting an XXXX XXXX charge for {$54.00}. This never should have been on my report, I was and still am a XXXX XXXX customer. 

So I stupidly paid this error, thinking it would be removed off my credit. No, after disputing it to XXXX  & XXXX  and mailing a direct letter to ERC, no response at all? 

As you can see, XXXX  did not do an investigation, there is not XB dispute code? Someone or both have committed a FDCPA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NV

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I did balance transfers to pay off my high interest cc at Barclay Bank. I mistakenly overpaid the balance resulting in a large overpayment of {$6600.00}. I called Barclay on XX/XX/2021 and requested a refund. They said they would mail me a check 7-10 days. Repeatadly called no check recieved.XX/XX/XXXX manager named XXXX he would cancel original check and send a new one, again 7-10 days. I requested it be sent by XXXX  or at least registered mail he said that was not there policy. I asked if there was anyone there that could authorize an effecient payment method and he said no.Finally recieved a check on XX/XX/2021 in a crumpled envelope postmarkde XX/XX/2021.Called and asked if I could deposit this check. They said no it had been canceled but a new check was posted on XX/XX/2021. It is now XX/XX/2021 just checked todays mail still no check.

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 2021-07-30 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 accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation