vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC
State: MA

Complaint narrative:
This account is reported incorrectly and inaccurately. The payment history is not consistent among the reporting bureaus. Also to point it out this account is tagged as charged off yet there is a balance. I urge your team to help me get this out of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pay balances on my credit card to XXXX an my credit score never changes. Ive paid my accounts on time for last 8 months an score never changed. I feel Im a victim of credit racism. Its people with XXXX or more in debt thats not my color an theyre credit score is XXXX up. I have XXXX worth of debt that I pay on an my credit score never goes up at equifax only. Please investigate this situation throughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, CBNA add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX add a hard inquiriy on my credit report per 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 2020-11-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On MXX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On MXX/XX/2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiriy on my credit report per 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 2020-11-20 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: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or First Citizens Trust have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or XXXX XXXX XXXX have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due

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 2020-11-20 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: SUMMIT FUNDING, INC.
State: TX

Complaint narrative:
On XX/XX/2020 Summit Funding XXXX Main office pulled my credit report without my consent. I called Summit Funding that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from Summit Funding and XXXX XXXX XXXX ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
PHOENIX FINANCIAL SERVICES based in Indiana, removed an old debt and proceeded to add it back onto collections as a new debt ( Re-age ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Mrs. XXXX XXXX steel the information of my 3 credit cards, Chase Freedom XXXX XXXX  XXXX XXXX, and XXXX XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the chase freedom for an amount of XXXX the XXXX  XXXX XXXX for an Amount of XXXX and the XXXX XXXX  for almost XXXX I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from her checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Informative Research
State: IN

Complaint narrative:
I have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
I recently challenged the validity of EOS CCA ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it XXXX that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: ERC
State: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX ( Collection ) account and ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX Main office pulled my credit report without my consent. I called XXXX XXXX that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from XXXX XXXX and Advantage credit inc ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
I recently challenged the validity of EOS CCA ( Original Creditor : XXXX XXXX XXXX - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: I.C. System, Inc.
State: DE

Complaint narrative:
I recently challenged the validity of I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TekCollect Inc.
State: PA

Complaint narrative:
I recently challenged the validity of TEK-COLLECT INC ( Original Creditor : XXXX XXXX XXXX XXXX AS ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same 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 2020-11-20 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: ERC
State: DE

Complaint narrative:
I recently challenged the validity of ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reveiwing my credit report, I found numerous credit cards on my report that were not authorized or initiated by me. This was an error or a result of malpractice. I have listed these items in my FTC 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 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a complaint with Wells Fargo and I have closed my account with Wells Fargo Home Mortgage. I am writing this to you because they have not refunded my overpayment. In the ensuing escalation of tickets entered by on the Home Mortgage Executive Offices, I have repeated called in and both ( while on hold ) and ( speaking to the Executive representative ) I have been advised the call is and will be recorded and in actual conversations ... that the conversation is being recorded ... .. The implied message is that there is no choice to this matter. ( no option to opt out ) The 5th call that occurred on Wednesday XX/XX/18 I spoke to a person at the Home Mortgage Executive Office and stated within my conversation with them..I also stated that they were being recorded as well. At that time the representative stated quite clearly " Wells Fargo does not consent to being recorded '' This is in direct opposition to all the recordings and statements being given to consumers. It is defacto bullying and intimidation being used with no option being mentioned to opt-out of being recorded ... ... ( which the representative clearly stated to me " Wells Fargo does not consent to being recorded '' to me. 

I am submitted a complaint this is violating customer rights to opt-out of conversations. My Mortage is closed with Wells Fargo and this corresponds to Mortgage Loan .. I want to make it clear that you must OPT_OUT of being recorded. This is completely unacceptable that Wells Fargo makes no mention of Opting out of being recorded. There must be an addendum or mini-miranda stated as well ... .that on all recoded and spoken communication of being recorded THAT YOU CAN OPT-OUT OR REFUSE CONSENT ... this is convenintly being left out of that recorded and spoken opening message .... I will be submitting this complaint to Attorney Generals Offices and to anyone regulatory agentcy I can find to copmplain to until this is changed. YOU HAVE A RIGHT TO OPT-OUT OR REFUSE BEING RECORDED AND WELLS FARGO MORTGAGE IS NOT TELLING YOU THIS

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 2020-11-20 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: I.C. System, Inc.
State: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, I.C. SYSTEM, INC ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation