vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
This company claims to have purchased a debt in my name for something I have no knowledge of. When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt. They keep calling me ( XXXX times yesterday and XXXX  times today alone and it's not even noon yet ) and my family members, threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything, telling me their getting the attorney general and local authorities involved if I do not agree to pay.I am a XXXX Veteran with XXXX, my credit has been compromised XXXX  times last year XXXX and XXXX  the previous year XXXX.I 've asked them to desist in calling me and to no avail. They have harassed my family members including my XXXX year old mother myself and my wife, my x wife, my daughter with jail time if they don't comply with their hideous and outrageous demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( 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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CO

Complaint narrative:
I have tried to access my credit report through equifax. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from equifax help me and they couldnt get past the loop either. Equifax has outdated information on my report with inaccurate account information that need to be disputed. 

XXXX wont remove an account that is XXXX years old. XXXX has locked me out of my account. There is a lot of inaccurate information on my transunion report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Somebody has access to my debit, credit, and XXXX XXXX  card and has been trying to take money through XXXX  with amounts of {$1.00} to {$100.00} I keep all my cards locked for this reason and I have even changed cards plenty of times ( I have another card on the way now ) even when I change cards this person could still access them. This has been happening for almost a year now and they wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: FL

Complaint narrative:
Re : Identity Theft Notification To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my ID and social security card as proof of my identity. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : - XX/XX/2020 XXXX - XX/XX/2020 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 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has never notified me that the loan application was denied nor the reason. I received confirmation that all required information was successfully submitted on XX/XX/2021. I received a copy of the appraisal for which I paid and it showed a loan to value of 55 %. We have high ( XXXX ) credit scores, stable income, and our debt to income ratio is 29 %. The only reason I can imagine is XXXX. I called and e-mailed several times to find out the status of the application but never received a reply. On XX/XX/XXXX, the loan officer finally responded with an email that it looked like to him the application was denied but did not give a reason. I want to work with another lender but can't until I can explain to that lender why the previous application was denied.

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: MO

Complaint narrative:
XX/XX/22 harassing phone call XX/XX/22 XXXX harassing phone calls XX/XX/22 call to relative asking them to relay a message to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This information does not relate to any transaction that I have made. I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been trying to come up with a payment plan that fits my budget. The bank only wants to put me on a payment plan where I am paying {$1000.00} per month ( which I can't afford or an interest only plan. With interest only, I am not paying any on the principal. I will be paying forever. I have asked for a plan where I am paying {$500.00} per month and this is all they are offering me.

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 2022-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Global Lending Services LLC
State: MI

Complaint narrative:
The company breach our contract and did not oversee or maintain proper documents of insurance in XXXX months failing there legal responsibilities, and obligations as the lien holder. Making false complaints with the credit beau company. 

Breach of contract on the lien holder so the title holder will and shall be free of any future payments, future obligations, or collections and shall be removed from the title holder credit report as the contract is not enforceable by the lien holder. 

Global Lending Service has taking upon themselves to make quick decision in there favor breaching the contract between the lien holder against the title holder obligations of any future responsibilities of payments, the contract is null at this time. No financial responsibilities are to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NJ

Complaint narrative:
While checking my most recent recent Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies, XXXX XXXX XXXX XX/XX/22, XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX ( XXXX entries ), XXXX  XXXX  Ser XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21XXXX XXXX XX/XX/22. I didn't authorize any employee by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Also, I spoke with a specialist of Experian by the name of XXXX XXXX who claimed she works my account and she did not attempt to resolve my issue and was impractical and unhelpful. I request that another employee is to work on my file because my experience with this individual was un-constructive as she was unwilling to remove these unauthorized inquiries. This is affecting my credit score and my quality of life. Lastly, I have filed a police report with the XXXX XXXX XXXX  Police, Case # XXXX, Incident # XXXX in regards to this matter. 
Please advise.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
XXXX I ordered XXXX and they installed their dish on my roof at my current address. 
( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX I cancelled XXXX. They sent a box to return their equipment in to my current address ( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX Franklin Collection Svcs Inc posted an unpaid debt on my credit report. 
They did this without notifying me first. 

Franklin Collection Svcs Inc XXXX is your case number with our company XXXX is the case number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX I contacted XXXX but they could not find any record of me. 

Franklin Collection Svcs was able obtain a statement. 

On this statement I noticed the service address is wrong. 
They have been sending statements to the wrong address. 
I have never received a statement from XXXX or XXXX XXXX XXXX showing a balance due. 

They should have sent the statement to the address where I live and where their equipment was installed. 

Franklin Collection Svcs Inc had my credit report witch shows my current address. 
They could have used my current address to contact me before posting ( without any prior warning ) an unpaid debt on my credit report. Instead they chose to start harassing me by ( without any prior warning ) posting an unpaid debt on my credit report. 

I work very hard to keep my credit score high, I would never miss a payment. 
Even with all the facts Franklin Collection Svcs Inc continues with the absolute worst form harassment by not removing this unpaid debt from my credit report. 

If XXXX wants the {$85.00} then they need to send a balance due to the service address where I live and where their equipment was installed. 

First email to Franklin Collection Svcs Inc Without giving me any advanced warning you added an unpaid debt to my credit report. 
This form of harassment has cussed me great harm. 
Your action has cost me far more than {$390.00} you are trying to collect. 
My XXXX score has dropped from XXXX to XXXX points. 
You have humiliated me, ruined my credit and embarrass me. 
XXXX has not provided me any reason for this unpaid debt. 
This harassment must stop. 
Remove the unpaid debt from my credit report immediately. 
From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX : Re : Information Requested Current Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
I received my modification letter yesterday XXXX XXXX, XXXX which was a partial claim modification that was underwritten under guidelines that are no longer valid in view of the new Covid 19 recovery modification guidelines issued as of XX/XX/XXXX. The modification that was offered to me is only a 14 % reduction versus the mandated 25 % reduction required under Covid 19 alm modification for fha loans. In order to achieve the 25 % reduction, mortgagees are required to do a partial claim of the principal if the term extension and rate reduction are insufficient. No partial claim principal reduction was done, despite having an additional {$67000.00} of partial claim funds that could have been applied to reduce the principal and achieve the 25 % reduction. Further, I was supposed to be given 30 days to respond to this letter and was given 12 calendar days, as a response was required by XX/XX/XXXX. I called to inquire abt these discrepancies and was rebuffed and told that this was my only option for loan modification, given no explanation as to why the correct modification guidelines were not followed or employed, and told basically to sign the papers and return them by XX/XX/XXXX or foreclosure proceedings will be initiated. I called again to speak to someone else who then told me that my principal should actually be higher than my original principal that had been owed, and that the {$300.00} savings that they are offering me is sufficient. It is clear that because this loan modification program is not incentivized, that mortgagees will lose out on interest that will result from partial claims on principal balances, because it will reduce the balance on which interest is calculated and accrued, and therefore they are not reducing the principal balance as required, and are forcing the consumer to pay additional interest that under law should be placed under the partial claim loan, which is zero interest. This is misleading and is fraudulent. The {$67000.00} should be applied to the principal balance to achieve the 25 % reduction in principal and interest

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank National Association USA. Claims that you can opt out of overdraft protection from the checking account they offer. Here is the problem. If it is an under key bank terms an " authorized payment '' it will still allow your account to be overdrawn. and you will still be charged an erroneous {$38.00} overdraft fee which was {$33.00} i guess that must be adjusted for inflation. You can not offer or claim to offer a service of rejecting overdraft and still allow " some '' transactions to pass through and then charge the unwitting consumer. this is the closest thing to smoke and mirrors financial fraud i have ever witnessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 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: Self Financial Inc.
State: LA

Complaint narrative:
Reporting late payments. No payments where late on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have tried to access my credit report through XXXX. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from XXXX help me and they couldnt get past the loop either. XXXX has outdated information on my report with inaccurate account information that need to be disputed. 

Transunion wont remove an account that is XXXX years old. Transunion has locked me out of my account. There is a lot of inaccurate information on my transunion 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 2022-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE TRIED TIME AND TIME AGAIN TO REMOVE FRADULENT ACCOUNTS FROM MY CREDIT REPORT TO NO AVAIL. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND NOTHING. I HAVE MORE THAN A YEAR TRYING TO GET THIS FIXED. IT IS HIGHLY AFFECTING MY RIGHTS TO LIVE A GOOD LIFE. 

XXXX XXXXXXXX XXXX DELAWARE XXXX XXXX BANK DELAWARE 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 2022-02-03 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:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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