vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: MO

Complaint narrative:
My daughter is insured through my ex-husbands XXXX  insurance. I received a debt collection notice from Capio Partners for one of her XXXX  bills in the amount of {$270.00}. Previous to that, I had never received a XXXX  bill stating money was owed. I can assume since this is my ex-husbands XXXX  policy, and he is the responsible party for the insurance, he was receiving the bill and ignored them. I pulled my credit report to see if it was showing. Of the 3 credit reporting bureaus, XXXX  was the only one reporting it. I found it odd that only one credit bureau was reporting the collection. I filed a dispute for it to be removed from my credit report as it is not my insurance policy and I am not the guarantor of the insurance. Dispute came back that it does meet the Requirements of the Fair Credit Reporting Act, but Capio Partners came back and said the information I disputed was accurate. I would like to know how and were on the insurance information Capio Partners has on file, that I am the responsible party for this XXXX  bill, when I am not the policy holder or the guarantor of the insurance that the collection was filed under. I would like you to investigate and provide me with some answers. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2020 I disputed an account that was paid and was to be verified. Equifax never investigated nor verified. My address was changed to a previous address, which was not my request. I asked to verify the payment history that is incorrect with their payment status, They never investigated. I sent in my Drivers ID along with a copy of my Social Security card on each dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote a letter to equifax stating that I reviewed my credit report and found a negative item reporting by XXXX XXXX for {$130.00} that Im not the debtor for that debt, and I asked that they would conduct a full investigation into the matter and contact me by mail with the conclusion of their investigation. Equifax received my letter on XXXX/XXXX/2020, on XX/XX/2020 they said that they verified the negative item as a debt belonging to me but they have not showed me in any way the methods used to verify this debt and me being the debtor for this debt. I am contacting you so that you can help me resolve this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: AR

Complaint narrative:
Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX  XXXX  XXXX  when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX  XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX  XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX 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 2020-11-30 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: NY

Complaint narrative:
I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-11-30 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: CT

Complaint narrative:
The report shows inaccurate information. It is showing late payments and a balance for a vehicle that is paid off. There were no late payments. My scores have dropped which have caused while I am in the process of purchasing a home and now my interest rate has gone up and now I no longer qualify for the home or the rate I once qualified for in XXXX. This is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I originally took out my mortgage with XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my loan with XXXX had been transferred Specialized Loan Servicing ( SLS ) as of XX/XX/XXXX. I contacted SLS in early XXXX and was told that the loan transfer takes 30-60 days. In XX/XX/XXXX, I made my payment to SLS. Beginning in XX/XX/XXXX, XXXX XX/XX/XXXX, we made payments to XXXX XXXX  XXXX ( XXXX  ) time without fail or delinquency, on behalf of SLS. In early XX/XX/XXXX, I received a notice from SLS dated XX/XX/XXXX that my account number was reassigned ; Id already made my XX/XX/XXXX payment which was accepted and withdrawn from my account. When I called SLS in XXXX I was told that as of XX/XX/XXXX my payments should be made to SLS, and not XXXX  anymore. Again, I had already made my XXXX payment and it was accepted so I made my payment to SLS for the month of XXXX. Then I received notice of default and intent to foreclose dated XX/XX/XXXX for failure to pay my XXXX payment. I received the same notice again in XXXX and XXXX for failure to pay in XXXX and XXXX, respectively. Even now, my online account still reflects one missing payment. I made the XXXX payment to XXXX, employed by SLS to collect payment, and have proof of payment in the form of e-mails, confirmation numbers, and bank statements.

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 2020-11-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
The company refuses to send the statements on time. It is practically impossible to pay on time if they don't send the statements and this can result in late fees or risk to my credit.

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 2020-11-30 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: NV

Complaint narrative:
I have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date Bureau XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was on payment plan wit capital one credit card. Everything was fine until cov19 hit. I spent hours trying get hold of them. I could never get through to them. I finally got hold them but, I pay with automated system. Because I couldnt get through because of phone line. So I never got chance to do anything. All I want is them to is put me back the automated phone system. To pay the bill, lower my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Never had an account with the company reached out via mail requesting a contract or any information that shows proof that I had an account and agreed to pay them. Nothing in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Original complaint filed for verification of debt on XX/XX/2020. The company failed responded without requested requested verification.

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 2020-11-30 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter finance has reported late payments to credit bureau during pandemic. I have reached out and asked constantly to have resolved. Was told it would be removed from my credit report and has not been done. Due to pandemic I was unable to make payments on time. Although they were not on time I still paid best to my ability and have numerous payments ahead of schedule as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX in XX/XX/2020. My loan was transferred to Dovenmuel and then XXXX within a couple months. In this transition, a payment i made through my bank ( XXXX ) of {$1700.00} went missing. I was told I was behind on my payments and would have to make another payment less it affect my credit. After spending many hours on the phone with the 3 banks who all denied having kept the payment, I asked my bank XXXX to help track it down. They gave me a temp refund XX/XX/XXXX. XXXX XXXX XXXX  took back this payment from my account. I'm not sure how to move forward. My XXXX  is slow with Covid and I fear foreclosing on my home. I have $ XXXX equity in this house and it is all my life savings. I am a single mom and have no money to hire a lawyer to go after this scam. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
This company has tried to collect debt from me that is completely incorrect. They have harassed me about this for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ordered t-shirts on XX/XX/2020 from XXXX. XXXX. However, I never received a shipping email at all. I emailed them and instant messaged them through XXXX numerous times about the status of my order but to this day undetected have never answered my previous emails and messages. I contacted Chase bank about the issue of never receiving my orders and they issued me a temporary credit. However, on XX/XX/XXXX Chase sent me a letter stating the charge was properly authorized and they are reversing the credit. However, the issue was never about authorization of the charge, but about me never receiving my items from XXXX and them ignoring my emails. So I am losing XXXX $ for nothing. I have t-shirts and im going to be charged XXXX $ during a second wave of the covid 19 wave. I have low funds due to being laid off because of covid 19. Chase have no idea what they are doing. I told them specifically I never recieved my item and the store isn't answering my emails so I am at a loss of what to do. Chase took my words and bent them. They just said the charges are properly authorized. while that is not the issue of what I told them. I'm losing money for literally nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX XXXX XXXX when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation