vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VW Credit
State: FL

Complaint narrative:
Remove All Fraudulent Accounts Immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, Tranunion, XXXX reporting incorrect information on my credit report. My XXXX  XXXX never been late.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, XXXX, Equifax reporting incorrect information on my credit report. My XXXX XXXXXXXX never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at NCA and XXXX you represent. I did not open or authorize this account with this company or any other company they represent, and I would like to ask that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. Also, NCA never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, any reporting of a debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2 XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: AZ

Complaint narrative:
The national recovery agency, acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. 

The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. 

In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I want all hard inquiries removed immediately from my credit report via 15 usc 1681 a2 b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My bank put a flag on my account for security reasoning and after verification, a hold was placed on a state funded unemployment check. I no longer have access to the funds I depend on to afford my daily expenses. The reasoning I was given by XXXX in Customer Protections is she isnt sure if the check would clear. Is there any assistance you can provide?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
First National Collection Bureau , Inc. be calling me at all different times of the day & night threatening me. I'm at aware of this account. They still keeping call me and different time of the day and night harassing me. Now todayXX/XX/2023 they are emailing me too. It's so frustrate for an amount of {$970.00} that I don't know. I told them to stop calling me that my XXXX XXXX XXXX and I wasn't working. That I could pay that one because it's not mines and two I don't have any money. They told me well your credit isgoingto go bad if you don't pay back on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this 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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America I had to move my money m XXXX XXXX XXXX  was cloned through XXXX XXXX and XXXX  dating They use my faceprint to log into my bank They are using XXXX XXXX  to make fraudulent transactions through XXXX XXXX  on my XXXX I think its a federal lawyer XXXX and XXXX and a federal lawyer XXXX XXXX XXXX XXXX I have no case no record and owe no money to tax or debt this is theft through ID fraud I already contacted XXXX and XXXX and BOA Basically I am hacked by fraudulentl payments via XXXX and also XXXX XXXX XXXX XXXX Its FBI making deductions for their own pocket or ID theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above are some of the names of women trying to use my accounts

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX 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 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was sold to MR COOPER. I have always made bi-weekly payments ( plus a little more ) in order to pay down my mortgage. I have never been behind. Mr Cooper does not apply those payments, they simply " hold '' them - completely unapplied under the other payment comes in making a full payment. This completely negates the purpose of paying bi-weekly because since my payments are UNAPPLIED, I am still paying interest on the entire amount. I call every 2 weeks. It is like a full time job. This is their way to keep the interest compounding on the larger amount. Yesterday I spoke with XXXX who informed me that I need to give them my bank account information so they can debit my acct for bi-weekly payments. That is untrue. I've been in real estate over 30 yrs, 17 in sales. I am making my payments early or on time & they should be applied to the balance Immediately with the small amount of extra applied to the principle only. XXXX suggested I open a separate bank account if I don't " trust '' them & just use that. It is not necessary. He also informed me that I could refinance with a Portfolio lender who keeps the loans in house LIKE HE DOES - their rep doesn't even have his mortgage with them! I would love to do this but it would double my current interest rate. There are HUNDREDS of complaints, there's a woman who even made a tiktok video about this very issue. XXXX & XXXX are full of people complaining about them. People have even refinanced their homes only to be sold to them again a month or XXXX later. They are predatory and deceptive. They are taking advantage of people like me who can speak up but I can only imagine the frustration of those like the elderly or XXXX who have nobody to help them, tried & get nowhere with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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:
I have sent THREE " CERTIFIED '' letters to all three credit reporting agencies ( XXXX, TransUnion, XXXX ) this year to please remove three accounts off my credit reports. There are two accounts from XXXX XXXX XXXXXXXX and one from XXXXXXXX XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors.

I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent THREE " CERTIFIED '' letters to all three credit reporting agencies ( XXXX, XXXX, Equifax ) this year to please remove three accounts off my credit reports. There are two accounts from XXXX XXXX XXXXXXXX and one from XXXX XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors. 
I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Jared 's credit card through Comenity bank is predatory. They didn't disclose fees and such, and also couldn't explain the math that didn't add up. Regardless, I paid off the account in full and then requested the account closed. I have requested it closed several times and the bank claims it is. However, I keep getting statements on the account and have been charged interest on a {$0.00} balance once. They refunded the {$3.00} and now my 'closed ' account sits at - {$3.00} ( they owe me ), but I continue to get emails and notifications of statement balances and such. 
I need the government to step in. Comenity is a predatory credit company and lies. I can not get my account closed and would like to sever ties with them permanently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
We pay from a checking account for a solar loan. This checking account is a house account, not our personal ones so we regularly send money to pay for house expenses to this checking account ( example for mortgage, utilities, solar payment ). 

Apparently there was not enough in the checking account to cover this months solar payment. Instead of emailing, texting, or calling to leave a voice mail, they spammed our phones with unknown number phone calls until my husband answered one. They were aggressive with him and was threatening that a late payment would hurt both of our credit scores ( obviously late payments hurt credit scores, but they were being really aggressive about it ). 

All I need to do is transfer money. They could have been nice about it, but they were aggressive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX. 
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX 
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct. 
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all. 
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned. 

I would appreciate any help in this desperate situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Shellpoint must verify the letter dated XX/XX/2018 about the debt of {$310000.00} owned by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
Jonathan Neil & Associates , INC is accusing me of a debt that is not mine. Is a third party harassing me daily accusing me of an accident that was not me and I have proved it and they keep ignoring the fact is this accident has nothing to do with me XXXX denied the case and have proofed I have nothing to do with this accident. The party in in fault has reached out and they keep ignoring everything I have been harassed and threaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: TX

Complaint narrative:
So I applied for a Discover Bank Home Equity loan in XX/XX/2023. I submitted all the documents needed. Then one of the customer service agents called after a couple of days of the application saying everything looks alright except that I had a negative event in my credit report. So one of the loan accounts was 30 days past due in the credit report. It was past due but I did go ahead and make the payment after that but it did not reflect until the next statement in XXXX. But the day of the agent calling me which is XX/XX/XXXX, I did see a notification on my XXXX account saying that the loan account has reported positive activity and the account is current now. So I tried asking him to pull the report again. The agent did but it still did not show the account as updated on their end. I said it was the same day so maybe it might take a bit of time for it to be updated on their end. So I waited until today XX/XX/XXXX, which is almost a month later to reapply again. So I called up the bank to re apply and they went ahead and re applied and pulled the credit report again. But it still says that account is not current. Which makes me think they do not pull current credit report for the credit. They go with the old credit report. This could end up in lot of people with inaccurate credit history being pulled and interest rates based on those. Because of this now I have XXXX credit pulls within last couple of months but an inaccurate credit report on their side and declined loan because of it.

Company response to consumer: Closed with explanation