vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: DE

Complaint narrative:
Equifax has yet again locked me out of my account for reasons unbeknownst to me. I hadn't attempted to access the site in about 4 months or so. However, my email remains the same and my password should have too. I attempted to access my account today to view my credit report and credit score and was not able to get access the site due to my password not being accepted. When trying to access I was instructed to contact Equifax. I did so, the representative sent me 2 reset links via my email address and neither of the links worked. My issue was then escalated and now I have to wait 3-5 days for help to get access to my account. I was given a ticket number # XXXX. 

I am inclined to believe someone in Equifax tampers with my account purposely and creates situations such as - difficulty accessing my account. Why would my password not work. The rep mentioned nothing about a system outage or malfunction. So what is the reasoning for this. I don't access my account every day, but when I do I'd like to be able to with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Submitted coupons/remittance process and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Security Credit Services, LLC
State: FL

Complaint narrative:
On XXXX credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from Security Credit Services in XXXX, XXXX XXXX XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but XXXX is still reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX WEBSITE.

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 2022-02-10 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:
Experian XXXX notified me that there was an inquiry on my report where I DID NOT apply for a loan. 

XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA 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 2022-02-10 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: TX

Complaint narrative:
I made a complaint to Experian about a hard inquiry by the name of XXXX XXXX XXXX XXXX XXXX I do not recognize this and certainly did not give them the ok to do a inquiry for my file. I never did business with them or a application. This is Identity theft and Experian never confirmed the inquiry with 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 non-monetary relief
Consumer complaint received 2022-02-10 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: CA

Complaint narrative:
XXXX and Equifax credit reporting agencies both refuse to remove chapter XXXX bankruptcy that was dismissed and no longer legally held against. They continue to respond that it was verified by a third party vendor which is not accurante and XXXX XXXX  is providing false information. However XXXX has already deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: GA

Complaint narrative:
I dispute the following XXXX XXXX XXXX XXXX XXXX fraudulent accounts multiple time and they confirm it as valid however they failed to provide me with the proof after multiple certified mail requests

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am an XXXX XXXX XXXX member. I have a been receiving a recurring charge from Experian on the XXXX of each month from your company since XX/XX/XXXX to XXXX XXXX and I DO NOT have an account with them. I have called several numbers for them but there is not an option to speak with a live representative. The hotline prompts me to log into my account but how can I when an account does not exist. I know my credit score is great and my banks provide the service for free. I want to report fraud on you all because I want to know who is using my bank card information to acquire an Experian account, membership or what ever. I want answers ASAP. I called several times they won't answer, nor did they respond to my XXXX complaint # 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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One Credit card that fell behind. I was able to make payments on time and bring the account back from over limit. It was during 2020 that my account then became restricted. I assumed it had to do with the amount of debt to credit limit ratio, so I began to concentrate on making large payments. After XXXX months the status was still restricted. I spoke with a CSR for Capital One. I was advised to keep paying on time and Capital One will unlock the account. I brought my account from {$3400.00} to {$500.00}. I called again and the rep said that once it is paid off they will close my account. I was upset because if they were going to close it I could have paid it off on a payment plan, instead they have charged me interest. So as long as I have a balance they will keep my account active. If they close it, I will lose a XXXX XXXX XXXX credit card with a {$3000.00} credit limit and it will negatively affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Received checks for XXXX new accounts with TD Bank which I did not open. 
Received insufficient fund letters on these XXXX accounts which I have never opened. 
Attempted to contact company to ensure accounts are closed as they were fraudulently opened without my consent. 
Unable to speak with anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2020, There was an account opened with XXXX XXXX XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I have XXXX as my mortgage servicing company. I was on the forbearance program due to unemployment/COVID 19. When my forbearance ended I was sent a loan modification packet, which I accepted, signed and notarized. Delivered to them on XX/XX/XXXX with XXXX tracking. They had apparently sent out another modification package to my address due to what they are claiming, unclear dates on the original docs.I never received the other modification package and was never notified by phone or by regular mail that there was an issue until today, XX/XX/XXXX when I was calling in to make my payment and wondering what was going on with the modification. I have been paying my mortgage as agreed with the new modification terms and conditions but XXXX has decided that they do not want to honor the original modification package anymore and want me to start the process all over again under new terms and conditions. I am looking to get any help I can but don't know where to turn.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
Wise financial institution decided to close my bank account with them. I filled out refund form and submitted it with my full refund to bank account information, my home address ( mailing address ) and a phone number. It has been more than XXXX weeks and I havent received any refund or a any sort of communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from XXXX XXXX XXXX and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.

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 2022-02-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Due to inaccuracies on my credit report its reporting accounts as PAST DUE and I ask the the accounts be deleted. Under the FCRA ( fair credit reporting acts ) companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate accounts that are incorrect and inaccurate. Here are the creditor name & accounts : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : 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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SunTx Capital Partners
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Untimely response
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize anyone employed 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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX  XXXX  Inquiry : XXXX XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
Continue to not receive any cooperation from US Bank on receiving my {$25000.00} from the account they closed without provocation. Have traveled to branch bank where manager XXXX XXXX works & continue being denied access to my funds. My next step is to contact the Kentucky Attorney General and filing a complaint with that organization.

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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: MI

Complaint narrative:
XXXX resolution group Purchases by Pendrick capital partners They bought a debit and trying to recoop false amounts owed. To see who will dispute amounts. They say on XX/XX/11 I owe {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from Comenity Bank XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank XXXXc is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter to Alliance Collection Agencies, to validate the account. I requested o send me the agreement and contract with my signature on it. In addition, I requested to provide me with the XXXX with my signature on it. Instead, they keep calling me every day XXXX  a day. They also don't inform me who is calling me. I need them to stop calling me. I have sent many letters to them to provide me with accurate information and they continue to ignore it. Today XX/XX/2022, they called me XXXX times. These phone calls have to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
Currently I am in the process of going through insurance claim due to damages. Mortgage company is stating that i have to pay off complete amount due and other part of loan on fix amount, when its 13 year prior to being due. They have not sent me a new contract with them taking over the loan when they took it over and i called them wanting the new contract they sent me the old companies contract and said they followed it. They increased my mortgage and blamed it on my insurance company saying that what makes the amount go up or down. They stated that this doesn't come off with paying off early. This company files late charge before the month is due. Company 21st mortgage treats mortgages as debts not loans.

Company response to consumer: Closed with explanation