vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that this item be removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. This fraudulent account is holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: A-L FINANCIAL CORP
State: CA

Complaint narrative:
This creditor claims they have verified these late payments on my XXXX account, when I have never been late! I have reached out numerous times telling them to stop freaking reportin these late payments on a consumer transaction! I know my rights as a consumer, involved in a consumer transaction that included a finance charge. Under 15 usc 1605 a finance charge is the sum of all charges for a transaction, so how in the XXXX do I have late payments when the finance charge included a sum of ALL charges for a consumer transaction? Congress defines a credit card under 15 usc 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purposed of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. In this consumer transaction the credit card that was used was my Social security and this is the credit card that I have been freaking using to enter any consumer transaction. Since credit was extended by me as the freaking original creditor this transaction should not have been reported as late, pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. As I stated BEOFRE, my credit card in this consumer transaction was my Social security card. Therefore this XXXX creditor is violating my rights as Federally Protected consumer, and I want this taken off my XXXX report immediately and updated to paid as agreed! These alleged late payments are bringing down my reputation, with misleading information on my XXXX consumer report and is a violation pursuant to 15 usc 1692e ( 7 ), as they claim I made alleged late payments which has damaged my reputation and caused me unnecessary stress as result of their actions!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report o this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am in the process of applying for a home loan and in the process I discovered that Macys reported a charge off/collections under my social and name to XXXX from XXXX. I previously had a Macys account and closed the account in XXXX but XXXX paid the account before closing it. I contacted Macys about the charge off to see what was going on and they informed me that they did not report a charge off and the only records in their system indicate that I fully paid off the balance and closed the account in XXXX. Since they could not seem to find anything, they referred me to Citi Bank who might have more information. Upon contacting Citi Bank, they shared the same information Macys shared. I had an account in XXXX with Macys and the account was fully paid off and closed in XXXX. I do not owe them a balance of {$1300.00} as the charge off amount indicates on any XXXX  Credit Report. Citi bank suggested a submit dispute as I do not owe them any money and they have no record of this charge off. I spoke to Citi Bank representative named 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 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, During XXXX I was in Home Depot buying some window blinds. The Home Depot cashier told me that if I opened a Home Depot Citibank credit card, I would get a discount on the blinds. I said yes, filled out the forms and bought the blinds with the card. The total cost of the blinds at that point was {$89.00} I did not receive a statement for the Citibank credit card until XX/XX/XXXX. At this point Citibank had posted a Late Payment of {$62.00} to that account. I believe that is a % XXXX late charge for XXXX months, or XXXX percent for the year. I wrote the Citibank Credit Card office a letter saying that this was the first statement received, that I was sending a check for the amount of the blinds and asked them to forgive the Late Charge because I didnt receive notice for XXXX months. If Citibank had sent a timely statement ( within 30 days XXXX, for sure I would have settled that account immediately. 

Today, XX/XX/XXXX, I am receiving XXXX to XXXX calls per day about a XXXX XXXX that in less XXXX months has grown from {$62.00}. to {$170.00}. The calls are always Robocalls and at no time is there an opportunity to speak with a human representative. 
The increase looks like this : XX/XX/XXXX : {$62.00} XX/XX/XXXX : {$87.00} XX/XX/XXXX : {$130.00} XXXX an increase of {$45.00} in XXXX month XXXX XX/XX/XXXX : {$170.00} XXXX an increase of {$46.00} in XXXX month XXXX These are Late Charges on top of Late Charges. This is at the very least predatory lending. To charge a late fee of {$170.00} on an original bill of {$89.00}, XXXX even an amount that was paid in full within XXXX months XXXX, and then tack Late Fees onto Late Fees is nothing more than an invitation to take advantage of customers. This should in no way be allowed. 

I believe that Citibank intentionally delays the original statement in order to start the Late Fees rolling. This is essentially a scam and should not be tolerated. 

I would appreciate your help in this matter. 

Thank you, XXXX 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 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I entered into forbearance on XX/XX/2021. 
I was current on my mortgage at the time. 
I was informed that the forbearance included XXXX 's payment, however I was still charged a late fee of {$140.00} for that month. I had asked to have the late fee waived and I was denied. 

Also, on XX/XX/XXXX, I had enquired with the lender about exiting forbearance and what my repayment options would be. I was informed that my only options were to pay the past due amount of {$14000.00} in XXXX lump sum or agree to sign a loan modification which would raise my interest rate and monthly payment. I was also told that I only have a week to decide and the offer would be withdrawn and they only provide one offer. 
I don't feel that this is fair and I feel that the lender is taking advantage of me the consumer in this case. 
I had also asked about deferment and was told the VA does not allow this option. After contacting the VA, they stated this to be false and they most certainly do allow the deferment option. 
I want to get my mortgage back on track but I don't feel that it is right or fair to have to pay a higher monthly payment over the course of the entire loan of 30 years to do so. In the end I would have to pay approximately {$60000.00} in additional interest ON TOP of the {$14000.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the XXXX major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I had a collection on my credit report I paid in full XXXX  months ago and its still on my credit report I need it move before XXXX I paid XXXX dollars to XXXX in XX/XX/XXXX th account in full not collection agency contacting me saying I how to pay I got bAnk statements to prove I paid

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 2021-06-30 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On XX/XX/21 I had reached out to Experian with my XXXX XXXX at XXXX XXXX XXXX, and was able to speak to a supervisor. The issue we were having is that my credit score wasn't available from Experian when we did a credit check for a mortgage. It was available from XXXX  and XXXX. This is a problem because it isn't reporting for any Banks or Mortgage Companies. The XXXX XXXX also reached out to the company they use to do the credit pulls. It was confirmed with Experian I DO NOT HAVE A CREDIT FREEZE OR BLOCK on my credit report. The response I received from the supervisor was " Oh well, it's not on our end and she hung up '' and I can't seem to escalate because it is on their end. My credit isn't reporting for not just one bank but 3! Please Help me. I CAN NOT get a mortgage if Experian isn't providing the Banks or Mortgage Companies with a credit score!

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 2021-06-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
this has been going on for about10 years i even got a lawyer. went bankrupted to save my house so ever thing has past everthing is good and now there doing it again XXXX XXXX from hsbc is sending me letters that i am behind whitch i call hsbc and no one has be behind and they email him to call me but he dose not i call the number hsbc gave me and left message still on one calls he has things on my credit report that should be gone but he keeps them on there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OKX INC.
State: WA

Complaint narrative:
I opened account with okcoin.com for buying cryptcurrency and sent fund to them. After used their service, I didn't like how they don't describe themselves clearly if they saved my personal information in server for the US or XXXX. I am fearful that they have my personal information in XXXX server thus sold what I had and tried to withdraw my fund back to my US account but they saved wrong XXXX and bank name saved and confused me to sent my fund to wrong bank which was rejected in the past few weeks ago but now shows that it went thru. So I let them know about their confusing mistake holding wrong information about XXXX and bank name as one of option to chose which should have never been saved in their system for security issue. If I am having this problem and exposing my personal information in XXXX server than it should been disclosed fully in their site but they won't answer you. Now I just want my money back from them and stop them from operating in the US risking many others in same problem as I am in now. They have customer service number for the US customers but it's answering service. And their online customer service is worthless won't answer with important information and you won't get respond back from them either. I need help from US regulatory authorization dealing with them because they clearly don't care responding back to US customers. I guess it's XXXX thing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

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 2021-06-30 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: The CMI Group, Inc.
State: TX

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6 dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NC

Complaint narrative:
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

Company response to consumer: Closed with explanation