vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2021 I contacted Resurgant Capital ( Lvnv Funding LLC ) regarding a collection account which is being reported against me ( account ending in XXXX ). I have made numerous attempts via mail to dispute this account and requested that this debt collector investigate my dispute since this account was not opened by me nor did I benefit from its creation. I spoke with an employee named XXXX who informed me she could not speak to me or provide me any information related to how to submit an identity theft report to Resurgant. She claimed that my file was locked and she was not permitted to disclose any information that would assist in resolving this fraudulent collection account. As of today this account is still being reported to all 3 credit reporting agencies even though I have informed this company this account is not mine furthermore they are refusing to assist in processing my request regarding identity theft. The tactics which are being employed to prevent the victim to resolve this inaccuracy are appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc.
State: WA

Complaint narrative:
After reviewing credit reports from XXXX, XXXX, and XXXX  on XXXX XX/XX/XXXX, Key 2 Recovery Inc inserted a collections entry from XX/XX/XXXX for {$390.00} from XXXX Community College. I contacted the Cashier 's Office at XXXX Community College on XXXX XX/XX/XXXX which verified there is no outstanding debt of any type. 

This collection entry, which is indeed the result of identity theft from the XXXX, XXXX, and XXXX data breaches, is currently in dispute with all three credit reporting services. It is because of identity theft it is necessary for all three to remove the inaccurate information at not cost, per Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: IA

Complaint narrative:
Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX  from XX/XX/2020 and XXXX XXXX XXXX  in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting an erroneous debt on my credit file. I recently looked at my credit file and noticed this debt reporting. I immediately called and settled this debt. I was never aware that I had this debt with Capital One as I never received phone calls, mail or correspondence from them. I ask that Capital One removes this account for violation my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: IA

Complaint narrative:
Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/2020 and XXXX  XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.

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 2021-04-03 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: IA

Complaint narrative:
Fraudulent inquiries outside of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2020 and XXXX XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.

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 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I requested a debt validation 31 calendar days ago 1 day over the 30 day response window with valid documents which they fail to do. which is a violation under thee FCRA & FTC. I will attach documents that prove its been 31 days and the original validation letter with they completely ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I made a money transfer from my Money Network XXXX XXXX to our XXXX  XXXX XXXX account on XX/XX/XXXX. The money has not shown up in my account. XXXX XXXX XXXX has told me there have been no attempts to deposit any money into my account. I have filed complaints that the money has not shown up and each time I have received a form letter that states they have completed their investigation and no errors were made. XXXX XXXX XXXX has told me NO ONE has contacted them about the transfer. I have no information from them about where the money went, but it is clear, it DID NOT go to me. It is MY money and I intend to take every measure available to me to make sure I get My money.

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 2021-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I called Rooms to go to confirm the line of credit available on my card. I was informed my Synchrony account was closed in XX/XX/XXXX. I asked why I didn't receive any correspondence and was told due to inactivity that Synchrony didn't have to notify me. I was told I had more than enough time to make a purchase, because the last activity was XXXX. I explained to the manager I was transferred to, that I was saving for a home purchase, and bought my home in Fall XXXX. Then with the covid-pandemic I, like much of the world, didn't go out much due to social-distancing and quite frankly the unknown of my being able to keep my job/income. I would like to file a formal complaint, to let other consumers know this is Synchrony 's practice, and how they treat their clients. What I found most rude and unhelpful was when the manager said I had more than enough time to make a purchase, when in fact I would have appreciated something in the mail or via email from Synchrony to inform me that my account would be closed due to my non-use of the account. I was told these details were in my terms and conditions, which I understand. However, I consider the non-notification and scripts the representatives read as very unprofessional, and I simply want to let other consumers know, since I wasn't shown any courtesy from the actual creditor Synchrony Financial.

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 2021-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Please forward the information to LOANCARE , LLC. Thanks!

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 2021-04-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was caught up in the Equfax XXXX data breach. 
Because of this, I froze all my credit reports. 
Recently I was setting up an account with a cellular service provider. They ran a credit check. I was aware they would be advised there was a freeze on my information and I had advised the cell company this would occur. I also explained to them I would receive an alert and I would be able, thru the alert, to lift the freeze. 

They told me when they ran the check Equifax requested a PIN to unfreeze the report. I provided the PIN given to me in XXXX by Equifax. 
The PIN was not accepted. 
I then went on line to the Equifax web site and attempted to sign in and lift the freeze. My email address and password were not recognized. 
I then tried the I lost my password button, entered the requested information and was advised there was no such information in their system. 
The next day I called their customer assistance. to put it simply, I spent 30 minutes talking with a representative that was terribly undertrained. End result still not able to receive assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: OK

Complaint narrative:
on the XXXX of XX/XX/2021 i attempted to open a high yield savings account with viobank.com. I again tried on 3 consecutive days. called the XXXX number they said try a different browser. I have tried 3 different browsers XXXX XXXX XXXX, and XXXX  no luck. If I had been successful and later could not access my account what good would it have done if I could not have gotten back to the account. The question must be what browser accesses your bank and can I be confident I can always access my account? it is very frustrating not to be told exactly what browser to use when asked why i can not open an account.

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 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I called customer support at fifth third bank on Friday XX/XX/XXXX for help doing a mobile deposit of my stimulus payment I got the help I needed and was told my funds would be available on Saturday XX/XX/XXXX when I checked my account the funds were not available I contacted customer support again and was instructed to go to the bank branch which I did I deposited my check just to be told my funds would not be made available until Tuesday the XXXX I then requested to just cash the check and I was instructed they could not cash the check I pointed out that it was a check from the US Treasury I have banked with this bank for over 4 years as a result of this I had to borrow money and extend my car loan payment which has cost me over {$150.00} in Interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Applied for credit card and received a notice for denial of card on XX/XX/XXXX. Chase Bank used my credit to make determination of credit denial. Chase did not provide the credit score that was used in making decision

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ok on XX/XX/XXXX I sent a request letter to the reporting agency about some inaccurate things on my credit report that are violating my rates about the FDCPA. Now it has been over 60 and nobody is helping me get this resolved. Nobody has any answers or can help me get these misinformed items off of my report. You all are my last resort since i have no information on whats going on. FCRA Section 611 ( a ). says if they don't investigate these items within 30 days they should be immediately removed from my credit report it has been over 60 days so they should be deleted according to the law right?.

I demand these accounts be deleted immediately or I will have to file for litigation due to all the stress you caused me. I know my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Credit Collection Service is reporting derogatory remarks on my credit report when I've never done business with this company nor do I owe or have ever owed any balance or money to this company. The account appears on my credit report as a collection account from an original Lender ; XXXX. XXXX  is not a Lender and furthermore I do not owe XXXX any unpaid balances. I've had XXXX  as my insurance company for some time and would not be able to continue with their insurance service if I owed the company any unpaid balances. The information Credit Collection is reporting is incorrect and needs to be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
I have provided proof and I have informed Experian many times my only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX, Florida XXXX. My only place of employment is XXXX XXXX XXXXXXXX XXXX. There is no debate, there is no investigation necessary. Retaining incorrect information after I have repeatedly requested the correction is a Violation of the Fair Credit Reporting Act. I believe this is grounds for a law suit. There are three violations just in my Personal Information.

15 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

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 2021-04-03 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: CA

Complaint narrative:
There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-04-03 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: CA

Complaint narrative:
There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company
State: KY

Complaint narrative:
We closed on a property in KY on XX/XX/XXXX. On XX/XX/XXXX over 6 months later we were contacted by Springdale Title informing us that our escrow account was overdrawn. We were told that our tax amount for the year XXXX was more than estimated on the XXXX settlement statement. The amount demanded raised flags to us as it was a very large discrepancy. After it was brought to our attention, we requested a statement we could reference detailing why we owed this money and how Springdale Title calculated the exact number. We were provided a hastily produced word document that did not help us ( no debit or credit indication for each amount that was given ). Eventually between our emails with the company, the word document and our statement settlement from closing we determined where the error was made. The estimated taxes paid by the previous owner had not been correctly credited to the XXXX estimated taxes. Rather, the money was credited directly to us XXXX the borrower ). After some back and forth with Springdale Title, they admitted there was an error made on our final closing settlement statement. 

We do NOT dispute that we owed Springdale Title {$1300.00} to remedy our escrow account overdraft. We paid the amount requested XX/XX/XXXX. 

Our grievances/complaints are as follows : - Springdale title did not initially admit that they had, in fact, made an error.

- Springdale Title initially asked for an incorrect amount. In total, we were told our tax burden for the property for the year XXXX would be 3 different amounts ( one amount before the property taxes were paid and two different amounts afterwards ). These 3 amounts were significantly different from each other, which did not instill confidence.

- Springdale Title demanded payment via email with no documentation supporting the specific amount they were asking for to remedy the escrow account overdraft.

Company response to consumer: Closed with explanation