vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: NJ

Complaint narrative:
XXXX XXXX  obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

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 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Ive been disputing these debt since 2019 and Ive tried several attempts to have removed from report they have sold the debt to their party and third party is attempting to collect on these fraudulent account and has destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
In XXXX I leased a XXXX XXXX XXXX from XXXX my payment was taken directly from my account on the XXXX of each month. In XXXX I found out that my credit score was down by 44 points. I never missed a payment/ bee late. In XXXX I opened one of my statements and saw an amount to be paid. I called and a female employee told me to ignore bc I am leasing, even though she told me she is new, so when I get the statement I just thread them. I am paying XXXX every month to solve this problem so that I can get my points back and clear the bad score and they keep asking me for more information. Surprisingly today I spoke with a manager and she asked me for more information and when I asked her what other information she need so told me no more information is needed from me. I asked why didnt I get a phone call from the company they told me they did not have a number which that was a big lie bc my cell and job # was on my application. It has been 16 months and nothing is been done. I am conducting a new XXXX and bc of that report I am about to get turned down if I can not give a deletion letter.

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 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
My husband and I have a FHA home loan with this company and our forbearance is due to expire. We have had many instances of inaccurate information, duplicate forms being sent l, and a tremendous problem with finding clarity with the options available for our mortgage. We have filled out mortgage assistance applications only to be sent blank ones again in the mail over and over again. When we call and verify their receipt of certain documents or to inquire about certain program availability, we are met with conflicting information or no information at all. It is extremely frustrating to gather all of the information for the documents that have been requested from us only to be told that they have NOT received them days later or we are asked to fill them out again. This process with this company has been a complete and total nightmare. We are not fully aware of our options. We have no idea where our account stands. We dont even know who to talk to. Our account is NEVER notated correctly. On top of that when we call in, we are met with rude and bullying representatives constantly. We would like to resolve this issue with our finance company to ensure that we can stay in our home but at this point, we are terrified to continue dealing with this company during this trying time. Their lack of urgency to ensure that their customers know what options are available to them and how to correctly apply for an inquire about these programs. I have recently been diagnosed with a XXXX XXXX and this process has not allowed my family and me to focus on my health.

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC
State: GA

Complaint narrative:
I have attempted to remove this NEGATIVE DEGATAORY ITEM multiple times as a result of IDENTITY THEFT. CREDITOR continues to verify. Attached you file the information on my credit file, additionally, the police report from XXXX that has been submitted MULTIPLE TIMES, Additionally FTC report filed. The account has been removed from XXXX and XXXX, NOT XXXX. 

GreenSky , LLC On XX/XX/XXXX, the Bureau issued a consent order against GreenSky , LLC ( GreenSky ), a financial technology company that services and facilitates the origination of consumer loans. The Bureau found that GreenSky engaged in origination activity on thousands of loans to consumers who did not request or authorize them and that the company structured its loan origination and servicing program in a manner that enabled the origination of unauthorized loans. This conduct was unfair in violation of the Consumer Financial Protection Act of 2010. The Bureaus order requires GreenSky to refund the accounts or cancel the loans of customers harmed by the conduct up to {$9.00} XXXX, implement enhanced loan authorization and verification procedures to prevent unauthorized loans from being issued in the future, and pay a civil penalty of {$2.00} XXXX. 

RELATED DOCUMENTS Consent Order Stipulation PRESS RELEASE CFPB Takes Action Against XXXX XXXX GreenSky for Enabling Merchants to Secure Loans for Consumers Without Their Authorization CASE DOCKET View case filings ACTION DETAILS Forum Administrative Proceeding Docket number XXXX Initial filing date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts and i want them to be removed from my credit. 

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

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX-Balance $ XXXX Opened : XX/XX/2014 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: IN

Complaint narrative:
I do not authorize any company/ persons to report anything in my name. I do not give the consent for any of my information to be shared. I do not want any of my rental history, credit history, debt history, felony record and etc to be shared. No company/ persons have my consent. I want to opt out.

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 2021-09-27 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: Porania, LLC
State: NY

Complaint narrative:
I have these accounts and i want them to be removed from my credit. 

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

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

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

Company response to consumer: Untimely response
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
ALLY BANK : Can not access my account ; my on line account blocked while I have all proper credentials. On XX/XX/2021 call bank to give instructions on what to do with my CD account when it matures. The person answering my call ( XXXX ) ask me for my old phone number no longer in service. and I could not recall it. I gave her my current and only cell phone number. She did not accept that and start asking questions beyond the usual ( social security number, age, dog name, mother 's maiden name ). Not satisfied with these, asking me many others which I think answered O.K. I now remembered my old phone number, told her what it was ; She said it is too late. Started asking about the color of a car a XXXX car, I told her I do not own a XXXX car. I got frustrated and said why not go directly on my line account which I have the proper credentials. I login but she blocked my account. I phone again another person answered, she ask me the 4 basic questions, satisfied with my identity, ask me what I want, I told her my account is blocked. She talk to somebody, came back and said I have to wait and a specialist will call me. I ask to speak to a supervisor, he told me I have to wait 2 days and there is nothing he can do. I called again on XX/XX/2021 and again on XX/XX/2021. 
Today XX/XX/2021, still waiting for the so called specialist to call.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2021 {$1600.00} Open balance 11 XXXX  Original creditor

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 2021-09-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to Equifax since XX/XX/2021. I have submitted my Identity Theft report 7 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place. This company has tried to delay and stall the process by asking me to resend verification documents of my identity. I have sent a copy of my US Passport, Social Security card and a current utility bill with every dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Experian XXXX XXXX credit report shows an outstanding late payment that hurts my credit score. However, every creditor on that credit report, both open and closed accounts, show that I have an " Exceptional Payment History. '' Experian will address late-payment reports only if I tell them which creditor to bother. In this case, there is no report. Their telephone agents merely say they can't help me. I am frustrated because I have paid nothing late for more than ten years, and do not deserve this negative mark.

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 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I have a loan with BRIDGECREST. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

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 2021-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I ordered a purse from saks.com ( Saks Fifth Avenue ) and paid for it with my Saks store credit card issued by Capital XXXX. It was order # XXXX. The total purchase was {$390.00}. The purse arrived two days later and I immediately decided to return it- it was not quite what I had expected. I returned it exactly according to Saks procedure, and my account indicated several days later that the return had been received. To date, despite many, many, many phone calls and emails to both Saks and Capital One, I have not been issued a credit. I have received verbal and written apologies for the delay and assurances that the credit would be posted, but there is still no credit. Since the beginning of the pandemic, this is not the first time that I have experienced unreasonable delays in receiving credit from Saks for items purchased on line and then returned. It seems they are trying very hard to hold onto my money as long as possible, but two months and two billing cycles is inexcusable. And I STILL do not have my credit. Anything you can do to help me would be deeply appreciated. And if you choose to publish this information, I would certainly be OK with that because Saks needs to know that customers find this practice completely and utterly unacceptable and unethical. I am attaching a copy of an email from Saks on XX/XX/XXXX indicating that they are sorry for the delay and that a credit would be posted. I received my newest statement from Capital One on XX/XX/XXXX. There was no credit. I called Capital One and they said to wait a week to see if the credit would be posted. It has now been ten more days, still no credit. Meanwhile, I am making only minimum payments on this card because I truly do NOT owe anything to Saks. So now I am incurring interest on the amount due, which I think Saks should reimburse me for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: TN

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & today XX/XX/2021. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
The original creditor Santander Consumer USA referred me to their collection company called XXXX XXXX XXXX and I informed them the account was never set up in my name nor had I any acknowledgment of this vehicle loan as a co signer or owner period. I asked them to have this removed from my credit report due to the fraudulent information the company stated they would however my credit score reflects that the company has not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus.The account was previously removed from my file because they could not validate that this debt was mine, however to continue to randomly add to my file at their convenience with blatant disregard for the Fair Credit reporting act. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then now it says XXXX. Phoenix Financial Services has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter.They have blatant disregard for my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered two hairpieces from a XXXX distributor advertising on XXXX. 
The photos and ads were economically appealing since I suffer from XXXX, I placed the order and when they arrived I was horrified. The hair was literally fall out of these two hairpiece units. 
I can't run a brush through the wigs without clumps of hair coming out. 
After many emails they finally agreed for me to return. Return fee is XXXX USD via USPS, those wigs are not worth returning them. 
I called Citigroup the financial establishment that the charge was made to on my credit card, they credited the amount back to my account and in a couple of days they denied the credit and paid the seller. They are terrible quality and I would not even donate them to the XXXX XXXX. They since disappeared from XXXX and may be going under a different name. I don't beleive that Citigroup even attempted to investigate the dispute in a thorough or professional manner. 
It is a small fee but it was clearly a scam and thanks to the bank they were able to keep my money. Yes definetly publish this, I know others were probably scammed also. 
I assumed banks protected the consumers.

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