vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: FL

Complaint narrative:
There are several inquiries on my report that I did not authorize on my report : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX 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 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
This company Diversified Adjustment Service ( XXXX ) contacted my XXXX year old parents in another state to get information on me. Meanwhile I already paid the debt to XXXX XXXX XXXX. When I asked the debt collector how they got my XXXX year old sick mothers cell phone, who regularly takes my XXXX year old father to XXXX for XXXX XXXX, they said " It was contact information from XXXX '' This is a total lie. I dont even know my mothers cell phone number. Why would I ever add it as a contact number. This has caused her a great deal of stress an worry.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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:
There is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: GA

Complaint narrative:
I was released from XXXX  on XX/XX/XXXX, 2021. While I was in XXXX  someone filled for my stimulus check. I believe it was my ex wife. I was told child support got the first check so I filled for the second XXXX XXXX dollar stimulus and it was sent the day I was released to the same account number the first check was sent to. I need that account froze and investigated please.

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 2021-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview Loan Servicing , LLC has granted covid relief and granted deferments. During this time frame they have also reported lates to the credit reporting agencies. I have made several disputes and this remains unchanged. If the business has agreed to offer extensions and no minimum payment is due, why are they reporting lates? I have 3 letters stating that during this time no payment is due.

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 2021-02-01 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: MI

Complaint narrative:
On XX/XX/2020 I sent XXXX, XXXX, and Equifax dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I sent Experian, XXXX, and XXXX  dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.

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 2021-02-01 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: NY

Complaint narrative:
Hello! I am a victim of Identity theft. I can not move on with my life until this account is removed from my report. I filled out an FTC report with all of my supporting documents and have uploaded it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I checked my Credit and found out AWA Collections is on my credit for {$1900.00} the original balance was {$1700.00}. I never received a notice about this debt. I have received zero calls to see how I can resolve it but instead just slammed be with this on my credit which I do not appreciate. Under FDCPA A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt.

Specifically, a debt collector may not Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NV

Complaint narrative:
There is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. Thank you.

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 2021-02-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX  is reporting the account attached incorrectly. The open date on XXXX and Experian is XX/XX/2015 and on XXXX its XX/XX/2015. The past due amount on XXXX  and Experian is XXXX and on XXXX its XXXX. On XXXX and Experian it shows 120 days past due and on XXXX it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
An electronic payment I made through my bank on XX/XX/XXXX, XXXXwith approximate delivery date XX/XX/XXXX has neither been credited to my account, nor has my payment been returned. 

Previously, payments I made from XXXX thru XXXX were not applied to my account until I inquired. I submitted my inquiry on XX/XX/XXXX and did not hear back from LoanCare until XX/XX/XXXX. 

In the meantime, I made my XXXX payment on XX/XX/XXXX, as stated above. LoanCare stated that I was making payments under an incorrect account number, but I have been making payments under the same account number since XX/XX/XXXX, when my account began to be sub-serviced by LoanCare. 

Proof of payment for each month for XX/XX/XXXX thru XX/XX/XXXX is included. It can be seen that all payments have been made under the same account number. 

I intent to make future payments under the account number indicated in the correspondence from LoanCare on XX/XX/XXXX. However, previous to this correspondence, payments that I made that were neither credited to my account nor returned to me. At no point from XXXX XXXX did I receive correspondence from LoanCare stating my payments were not made under the correct account number.

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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received an SBA EIDL Loan as an Independent Contractor which was disbursed in my personal account. Eight months after the disbursement, to my surprise, Capital one froze my account and denied me access to my personal earnings as well as the loan that I need for my business. 
On XX/XX/2021, I contacted the bank and provided my business licenses from 2 years ago and the promissory notes and several other documents that will support the legitimity of the loan. 
The total amount in the different accounts is {$46000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GA

Complaint narrative:
On XX/XX/2020 I drafted a letter to Experian entitled Validation of Debt request. USPS Mailing No : EJ XXXX XXXX XXXX US which was delivered on XX/XX/2020. 

Experian is reporting a Inaccurate Account entitled : XXXX XXXXXXXX XXXX  which seems to be an eviction. Which is not my account. Experian did not respond within 30 days so I personally called Experian on XX/XX/2020 ( conformation of call number : XXXX ). The customer service rep that I spoke with stated that even though it had been well over 30 days they did not have any update on the investigation I opened for XXXX XXXX XXXX I verbally requested that the account be immediately removed because Experian could not Validate the Account within 30 days. 

On XX/XX/2020 I drafted another letter entitled No Response within 30 Days FCRA 611 ( a ) ( 5 ) USPS Mailing No : XXXX XXXX XXXX XXXX XXXX received by Experian on XX/XX/2020. 

To date, I have not received any letters/results from Experian regarding my letter dated XX/XX/2020 ( the original investigation request ) nor have I received a letter/response for my letter dated XX/XX/2020 asking for the item to be removed due to not being able to validate within 30 days. 

Experian is in violation of the FCRA and could not and still can not validate the debt yet the item is still on my report. 

Please see attachments.

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 2021-02-02 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: FL

Complaint narrative:
There are several inquiries on my report that I did not authorize on my report : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

EQUIFAX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The Department of Education/NELNET is showing that I have 6 late payments, not sure why it's showing that I have 6 late payments when I am in a repayment plan. I've called the Department of Education/NELNET and asked them about this issue and was told that they did not see any late payments that my loan was showing current. Please remove this immediately because it is causing negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Quicken Loans contacted me on or about XX/XX/XXXX and asked if I would like to close my purchase loan before XXXX and close in XXXX. I said sure and we began the process of the paperwork etc. XXXX XXXX ran the file through automated underwriting and he said he got an accept. If it were not an accept we wouldn't have gone any further as Quicken does not do manual underwrites. So I gathered all documents and geve them everything they could want and more. They did not follow the guidelines set forth by HUD, and they had no overlays. Mr. XXXX kept telling me very rudely that he was waiting for my rapid rescore on my fico. How could that be when my score was a XXXX and the required score was a XXXX. He was definitely discriminating against me for my XXXX. He would not follow the rules of XXXX borrowers who have returned back to work. I didn't like the way things were progressing and I withdrew the file. Quicken never sent me an adverse action letter or denial until I requested one several times. I finally got it on XX/XX/XXXX. It said judgements, bankruptcy, foreclose, or slow credit. None of which I have and if there were any of these things I should have been contacted and made aware so I could have the opportunity to fix the problem. They continue to insist there was a judgement. I am telling you there was no judgement. Then I am looking closer at my file to see what possible reasons I can find and it states : { EXTERNAL ] { POSSIBLE FRAUD SCAM ] DENIAL and then my loan number. So my intelligence tells me they had my loan marked as some sort of fraud or a scam. They need to be able to back that up as to where this information came from as it is not true at all and I am demanding they provide whatever source this is coming from. I have been denied unjustly and if I am on some list I need the opportunity to get myself off this list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: MA

Complaint narrative:
I have been leveraging Xoom ( https : //www.xoom.com ) a XXXX service to transfer money from the US to my XXXX Bank account. The service has been working fine for years but for the last four transactions, Xoom has canceled my transactions inappropriately without proper explanation and has not refunded me the amounts below. 

{$1000.00} {$3200.00} {$6400.00} {$6500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: HI

Complaint narrative:
This is the second time i have received a letter from American Coradius International LLC, stating that i owe XXXX money. I have contacted XXXX about the issue and their is no such thing as the amount that is stated in the letter. I have called, and have repeatedly told American Coradis that it is not valid and to have send proof for verification, which they have not done. They keep sending me mails, and calling me about it. I am tired of them using unfair and deceptive practices to collect debts that consumers such as myself do not owe. I hope their will be no third time for another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX ( XXXX XXXX country ) XXXX XXXX XXXX vs XXXX XXXX XXXX Type : Other Collections XXXX ( XXXX ) - under XXXX Case Number : XXXX Filing Date : XX/XX/XXXX Case Status : Closed/Inactive Court Location : Civil This case was closed on XX/XX/XXXX. 
but XXXX keep say, I own them money XX/XX/XXXX Writ : Execution ( Issued ) XXXX XXXX XXXX, against XXXX XXXX, XXXX XXXX, {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: AL

Complaint narrative:
I noticed on my credit report that Plaza servic just place a collection from XXXX XXXX XXXX on my credit report. They are not the original creditor. I never received a collection letter for me to dispute this prior for them placing this on my credit file. I mean for them to do this during this pandemic that the hardships is causing everybody is cruel and inhumane. They will try to claim they did send me a letter so it can stay on my credit file or say they can't find me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disputed several inaccurate items in my credit report but the credit bureaus haven't answered 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 2021-02-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed several inaccurate items in my credit report but the credit bureaus haven't answered me.

Company response to consumer: Closed with explanation