vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Victim of XXXX  XXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently in a lawsuit as myself and Bank of America is named a defendants I have called Bank of America to ask what is their current interest in the property meaning is Bank of America the beneficiary or the Servicer of the loan Also has Bank of America forwarded the lawsuit to current Servicer if not Bank of America Bank of America current attorneys who sub into the case seems to be supporting plaintiff -when the ask if there is a current mortgage Bank of America remained quiet. As well as is Bank of America provided my mortgage balance pay off demand to a third party - HOA and if so how if Bank of America is not servicing loan.

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 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good evening the reason Im reaching out is because Ive had a account with Chase bank. In my account has been closed or frozen which ever it is but I have no access to it at all. I was approved for the Paycheck protection loan which was deposited into my Chase account however they decided to close the account.Im an independent contractor and no EIN number has been assigned to me I use my Social Security number. I still havent received any information as they tell me the account is closed. The problem that Im having is there is money in that account which I am responsible for paying back. So Im reaching out to see what steps do I need to take in order to be able to get to the money that was in the account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The debt validation letter was sent and none of the answers to validate the debt was answered.

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 2021-06-01 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: FL

Complaint narrative:
This account is not mine. I do not now it so please delete.

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 2021-06-01 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: Harley Davidson Financial Services Inc
State: VT

Complaint narrative:
Harley Davidson Financial Services reported my account delinquent which they admitted was an error. After many discussions with the account representative XXXX, she worked with her supervisor to issue a correction to credit bureaus. At present one credit bureau is still reflecting two months past due which were corrected with the other bureaus. I had placed calls letting them know this starting back in XX/XX/2021 ; and, most recently in XX/XX/2021asking for a call back. I informed XXXX on a voicemail ( I can no longer reach her ) that I would be filing a complaint with CFPB on XX/XX/21. I tried her again today, XX/XX/2021, but could not successfully reach her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
I have been receiving daily phone calls from multiple different CBE phone numbers as I have called the numbers back. I have blocked several numbers already, but they keep changing which number they are calling from. They call and do not leave a voicemail. 

I know that there are no debt collections against me. Yesterday I pulled my credit report and nothing is listed. In addition, I know a debt collector is required to send a letter regarding the debt collection and I have not received any. I have no problem correcting a misdirected debt collection as I called a collector who sent such a year ago for the former owner of my house. I called and provided the corrected information. 

My complaint and reluctance to work with this collector is they do not leave a voicemail. That is slimy to say the least. Typically a collector will leave a voicemail with reference info to call back. As such, it is difficult to discern if this is a scam. I am reluctant to call back and possibly get suckered into a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021, Regarding Trans-Union, For the last 10 days I have been unable to get my credit report online, all the other credit bureaus online access is working and give daily or week access.

I have call them more than 12 times, and have almost as many phone number for them. 
They sent me a paper report but online is easier to read online with my XXXX. 
https : //service.transunion.com/dss/dashboard.page? 
Your online credit report isn't available at this time. 
-- -- -- -- -- -- -- -- -- -- - our TransUnion Credit Report Freeze status is currently : Unknown The TransUnion Credit Freeze Service is temporarily unavailable. 
Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX -- -- -- -- -- -- -- under fraud alert Were unable to process your request at this time. 
Our system is experiencing technical difficulties. 
Were unable to process your request at this time. 
-- -- -- -- -- -- -- -- - Checking credit online : Our system is experiencing technical difficulties. 
We're unable to complete your request online. 
Please try your request by phone or mail. 
What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- I have call the a dozen times, include the two phone number above and have these phone number, they give different one most times : XXXX, XXXX, XXXX, XXXX, XXXX website 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 2021-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with IBERIABANK d/b/a IBERIABANK Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but IBERIABANK d/b/a IBERIABANK Mortgage took cash. Since then, IBERIABANK d/b/a IBERIABANK Mortgage has sold the note to XXXX XXXX XXXX XXXX and is now liable both criminally and civilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: LA

Complaint narrative:
Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate 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 2021-06-01 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: FL

Complaint narrative:
On XX/XX/2021 My credit report TransUnion and XXXX  refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the 3 credit bureau and debt collector ( XXXX XXXX XXXX ) the amount showed is {$4100.00} and 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 2021-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Under laws of commerce an unrebutted affidavit stands as truth. I'm writing this complaint due to the fact that I haven't heard back from GM FINANCIAL nor have I seen this alleged debt removed from my credit reports. In the attached files you can find an affidavit of truth with exhibits, a cease and desist letter and a green return receipt showing that GM FINANCIAL has received all of the paperwork I have provided today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Freedom mortgage has continually paid my casualty insurance premium late, or not at all. I have spent 3 years fighting with freedom mortgage on this issue. 3 times this year theu told me they overnighted payment to my casualty insurance provider and have not done so. This year I had to pay my casualty premium for the year out of pocket in order to keep flood coverage.

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 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a zero balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

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 2021-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

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 2021-06-01 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was a loyal and respected target card holder until I pulled my credit report at the end of 2020 to find inaccurate information reporting. As according to the FCRA, it is the furnisher 's responsibility to make sure the account is reporting 100 % percent accurate. Since then I have submitted several factual disputes to all the credit bureaus for Target to check the accuracy of their reporting to the CRAs. After submitting a compliant with the CFPB target sent me a letter stating they follow FCRA guidelines as I believe this not to be true. I demand this account be deleted from my credit report as it is in violation of Section 623 ( a ) ( 1 ) ( C ) because I have disputed this account multiple times and they all of came back accurate which is false. I have pulled inaccurate information directly from my credit report such as the date last active, and date last payment and the accurate is still showing inaccurate and inconsistent information between the CRA 's. I have attached my credit report with highlighted inaccurate and inconsistent information. Also this account is violating 15 USC 1681a ( d ) ( 2 ) ( b ) stating the exclusion of any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the consumer report. This erroneous account has hindered my progression in life and is in violation with the FCRA. I demand this account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with LVNV Funding and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, LVNV Funding LLC has committed multiple violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: OR

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things I had seen on my credit report. To this day over 60 days later I have not received a response yet, I feel like Im being taken advantage of and have been ignored of my disputes. I demand these items be deleted immediately or I will file for litigation due to the stress and anxiety you caused me. I know these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have filed a complaint with the better business bureau because to my knowledge I do not recall these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive a response because clearly they arfe ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I found that my identity has been compromised after another debit card was opened in my name. I found the BMO credit check from XX/XX/16 subsequently on my credit report. I then received a letter today requiring me to contact a representative of the bank, though the provided phone number went to what sounded like personal voicemail. 

I called the company prior to receiving the letter, a customer service representative was unable to provide any information about the fraudulent account and told me I would receive a call back within 7 business days.

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
I reached out to this company at Global Credit Collections and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of Global credit collection Corp named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified 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