vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: VA

Complaint narrative:
We purchased a home in XXXX, FL in XXXX of 2020. We were to close on the house in XXXX 2020. The house is a new construction and the builder is Lennar Homes. We were informed in early XXXX that our closing will be on XX/XX/XXXX. We immediately informed Lennar that due to the current COVID-19 pandemic, we recommended moving the closing to XXXX XXXX, 2020. We were informed " No '' and told to progress thru the process.We proceeded and went thru the process to get to closing. Once we were supposed to close virtually with the Title Company - they did not and are not willing to share the closing documents with us. We have an approved Loan thru Eagle Mortgage - a Lennar affiliate. We are closing with Cal Atlantic Title - another Lennar affiliate. We have requested documents via email and by calling them - but they insist we sign a document which forces us to electronically sign the papers -which we are not being allowed to see prior to closing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I noticed on my credit report a collection notice from CREDENCE RESOURCE MANAGEMENT for a XXXX/XXXX XXXX XXXX charge that I did not recognize. I contacted Credence about this charge they said it was about a XXXX   account ending in XXXX, which to my knowledge was paid in full. I contacted XXXX  and found that the amount that credence resource management was claiming was already paid in full, and should not be reporting any owed debt. 

XXXX / XXXX  ACCT # XXXX paid in full with payment : CONF # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX   promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: MD

Complaint narrative:
Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( Equifax, XXXX  and XXXX  ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  : XXXX ( shows up twice ), XXXX XXXX and XXXX  XXXX Equifax : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, XXXX  and Experian ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : Experian : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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: Aargon Agency, Inc.
State: IL

Complaint narrative:
The company has failed to respond with the dispute validating or verifying any information. A bill doesn't constitute proof of a debt. I asked for specific information that they failed to provide. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 


Furthermore I have been in contact with the original creditor who has provided different information not matching what limited information they did send. The debt isn't even with their agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: DISCOVER BANK
State: NY

Complaint narrative:
This information is in regard to XXXX  Credit Reporting Agency. 

Credit Report Number : XXXX XXXX  has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( XXXX  ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( XXXX  ) has also updated and maintained this information within my report, even though XXXX  and both ( XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked XXXX  to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at Discover Card told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to Discover Financial Services. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of XXXX  Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at XXXX  Credit Bureau. XXXX  has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and Discover Bank. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. Discover is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Please let me know if you need any additional information on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
We paid all the dues regarding the rent for our apartment before moving to a different condo. We got the receipt as full and final settlement from the estate manager of the apartment complex. IQ data international contacted us as the collection agency of the apartment complex and we have explained and provided the documents. Still they have reported this as debt to credit agencies resulting in impacting my credit report and score negatively. Despite reporting the credit agency and disputed the debt, it is still showing up. IQ data is not taking any action to withdraw the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through XXXX. XXXX released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, XXXX notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 XXXX notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my XXXX account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer XXXX and later, XXXX ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ).  Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition XXXX will not release any transaction details ( Buyer 's bank or credit card company, correspondence between XXXX and Buyer 's bank or credit card company ). XXXX 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my account due to poor service and a single fraudulent charge. I told the agent to close the account and not to open another card and that I would be going to another bank. My card was closed permanently and I was not able to open a card at another bank in spite of my impeccable credit worthiness. I believe Citibank XXXX XXXX  XXXX XXXX XXXX, SD XXXX phone XXXX put a security breach of some kind on my credit in error. I have called a number of times to no avail. I have also called a number of times trying to open my original account to no avail. I have written a letter and received a denial of my applications and requests. Upon telephoning the company I receive a recording telling me that they are receiving too many calls and I need to call back later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
portfolio associates is using evasive tactics in failing to identifying who they are and requesting you verify sensitive information about who you are.. when asked who is calling they keep repeating their first and last name and when asked what company they are with they refuse to identify the name of their company.. they say before we identify who we are we need you to verify your information.. 

this is very concerning when someone calls you and wanting you to verify your private and personal information with some stranger who will not tell you if they are with a company. they act like they are an individual calling you requesting you share private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/3020 Bluebird by Amex shut my card down because of section 22d if there services agreement. I cant get my money. How do I get them to return my funds? I have a XXXX dollar balance. My social security benefit is directly deposited into the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I found out my wife 's company is going to layoff workers. My wife is the most recent employee to join the company. 
I asked my loan institution ( Mariner Financial ) for deferment of term loan. 
They denied my my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made my payments to Capital One up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NY

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NY

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX promised.

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