vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, Upon the request for check of my credit report through your website, I want to clarify these issues. 
On the section of Fraud Alert, there is XXXX XXXX Alert issued on XX/XX/XXXX of XXXX ( XXXX  ). Since my birth year is XXXX and I am a XXXX XXXX, I need to ask you to investigate seriously why you added this alert in my credit report. Since another credit report company did same thing, I beseech you investigate and explain officially this part of report. 
On the section of My Equifax credit report, you mentioned that I have already received XXXX of XXXX free Equifax credit reports. I am not sure how this is calculated ; however, if you consider after I asked you to add the fraud alert, since this alert was issued by your federal government of the United States, from the beginning, I should be able to check as many as possible until the suspicious data are explained logically and officially, and corrected properly ; especially, there are questionable issues on all XXXX credit report companies. Or, if I consider, this number reflects the illegal activities, your company might need to explain officially, too. 
I request the explanations of following soft inquires, which I do not recognize or hopefully can say do not remember. 

XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) And those from XXXX XXXX  ( Promotional Inquiry ) p.s. we live in the rented place. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since your company required me to submit the necessary documents to locate a credit file in your company database with my identification information I provided before ; therefore, I will resend these necessary documents with this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I have been receiving multiple phone calls, letters, and threatens of legal action from midland credit management which is not mine. I originally tried to contact them to let them know it is not mine and to ask them to stop. I verified it was not mine by looking at debt owed on my credit score. When i did that they began to call more frequently and send more letters. The letters they send seem very sketchy as they dont include the whole account number. I feel that they are harrassing me. 

They say I owe XXXX dollars through XXXX XXXX I do not have a XXXX XXXX account. As of XXXX they are saying they will pass my info onto an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
NewRez LLC has sent us two notices stating that they have not received a copy of the proof of insurance provided by our HOA. However, we have sent this to them repeatedly via online portal, mail, and fax. They still refuse to acknowledge the receipt of this proof of insurance and will now open an insurance account in our name and charge it to our escrow account. We have consistently attempted to reach them via their customer phone line, but no one ever answers the phone during business hours. Initially, we submitted proof of insurance via mail in XXXX. We also submitted proof of insurance via their online portal in XXXX of XXXX. We then received a second notice in XXXX of XXXX, so we attempted to submit a copy of the updated proof of insurance on XX/XX/2023 via their online portal at https : XXXX as given on their notice. This link did not work, and it still does not work as of today, XX/XX/2023. So, on XX/XX/2023, we faxed a copy of the insurance policy to the phone number they provided, XXXX. This fax was successfully sent from phone number XXXX on XX/XX/2023 by the fax company XXXX. Despite this, on XX/XX/2023, we were sent a notice by mail that an insurance account would be taken out in our name and billed to our mortgage 's escrow account, effective a prior date of XX/XX/2023. This insurance account has an annual premium of {$760.00}, an amount that we did not agree to. We have repeatedly attempted to contact them and sent this proof via every avenue provided, yet they have failed to acknowledge receipt of our proof or answer or respond to our phone calls, mailings, or faxes. NewRez LLC 's online portal has not worked or been maintained, and they are actively engaging in a form of consumer fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal. XXXX I disputed the charge from the start after a few times they came up with different ideas of disputed ways and still holding me liable against no good cause Just being mean to me for no good reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Have been asking for written confirmation of their payment of property taxes from escrow. They called once, said they would send confirmation and have not, nor paid the taxes. I have sent XXXX requests in the past month. I have received a past due notice from the county tax collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXs Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in connection with my credit report. I have recently obtained a copy of my credit report from your agency and have identified the following inquiries XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I bought a car through XXXX/bridgecrest. During that time in XXXX the motor blew up and I did pay for the warranty. XXXX XXXX failed to act on said warranty and I turned in the car. Since XXXX to now, XXXX/bridgcrest has posted and keep changing my closed date on the loan. And keep changing it from voluntary to in repossession. Every other month. Thus bringing my score down each time. I have reached out with no results. Im at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ULRS, Inc.
State: SD

Complaint narrative:
I have tried to make payments with credit collections bureau, multiple times, all of which they refuse. 

They are refusing to accept payment on my debt without data mining, and gaining Ites of personal information. I am trying to set up a payment plan of {$100.00} a week, to dissolve the debt. But they are unwilling to take any form of payment without gathering, a lot of personal 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
AS I WAS VIEWING MY CREDIT REPORT I NOTICED INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME. IVE HAD MY WALLET PICKED FROM ME NOT TOO LONG AGO AND I WORRY THAT PERSONAL INFORMATION IS BEING MISUSED. FOR INSTANCE : COMPANIES- XXXX XXXX XXXX XXXX {$2900.00} CHRYSLER CAPITAL XXXX {$19000.00} INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
I placed live bets all last week through XXXX XXXX XXXX  and was suspended from the app with money in XXXX XXXX and no reason provided. My account was closed at XXXX while games were on and I had my money in their account. I contacted Chime and they said I can't get my money back even after I showed them proof of loss due to being suspended with no reason provided. This has me furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
Since XX/XX/2023 there was a cyber attack on XXXX XXXX, which in included our mortgage company- LoanCare- XXXX. I was NOT notified of there even being an issue by our mortgage company until XX/XX/2023. The email does not even include ANYTHING pertaining to the cyber attack or that my information was leaked on the darkweb. The only thing mentioned in the email was they updated their systems for a new customer experience, they are back online and if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. My personal information was leaked from what I found out and I still have yet to be notified of this and it is now XX/XX/2023. I still have yet to be able to pay my mortgage for XX/XX/2023 and now XXXX is due. I was forced to use the XXXX payment money to be able to pay my other bills due. We are already struggling as it is, I cant afford to sit on money when other bills are due. This has put me in a huge predicament. VERY disappointed how all of this has been handled and I dont have clue what information of mine was leaked! I have called, tried going online, I have followed groups on XXXX of everyone else having the same issues. This is TERRIBLE!! I have contacted the Texas attorney general, put in a complaint to the XXXX and now contacting CFPB for help with this HUGE problem. The website is STILL down. I check serveral times daily to no avail. This is has been VERY poorly handled. This is NOT the first time Loancare has had information leaked/hacked. The stress from this has been horrific. There are class action suites against this company as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i didn't give authority for anyone to run on his credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: NV

Complaint narrative:
l am not liable for this debt with XXXX XXXX XXXX I do not have a contract with VANCE AND HUFFMAN LLC They need to provide a contract that I have signed with XXXX XXXX because there is no said contract. If they are unable to provide a signed contract then I need to have this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also appears, Experian has Kept Many Accounts on my credit report that are not mine. Both XXXX and XXXX deleted all accounts associated with XXXX XXXX which may be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had 5 middle names. 

I have written Experian several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX of this country and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since 2020 when my father was ill of XXXX. Recently I moved here and became a XXXX However I have never had a credit card or home or loan in the United States. 

Please Have Experian Wipe my credit report with nothing as XXXX and XXXX XXXX have done. Something weird has occurred on my credit report with Experian and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am 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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
On XX/XX/2023 at around XXXX my boyfriend tried to deposit over XXXX into my account using my bank card because I was going to buy XXXX presents the next day on XXXX. After he put the cash into the ATM there was a service error saying for security reasons we can not authorize this transaction. The screen became grey, withheld the card for XXXX mins before spitting it back out but never returned the cash. There is no record of this attempted deposit. The ATM gave no receipt of this attempted transaction. All we have for evidence is the camera on the ATM and the time that this occurred. On Friday XX/XX/2023 I filed a claim immediately once the customer service desk opened. They said they will review and " if '' they find the money in the atm they will reimburse. I then stopped at the physical bank and let them know what had happened. They informed me they had no control over the atm, or the atm cameras and that I would have to wait until a service technician came and looked. I am going to be filing a police report and will proceed to small claims if this is not resolved. This is my money and the bank is acting like it's no big deal. What if that was all the money I had and couldn't feed my kids while " they tried to see if the money was in the atm ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Around the end of XX/XX/XXXX I received several emails from what Appeared to be chase bank regarding an approval of a freedom card. I asked my wife if she applied for this card. Her answer was no. I also asked one of my children if they applied for a card in my name their answer was also no. I deleted two emails thinking they were spam. In late XXXX, I received a credit card freedom credit card from chase bank, and proceeded to find out who did applied for this card. I called Chase and each credit bureau. Our identity was stolen a few years back and its not something I take lightly. I may be highly suspicious but my gut feeling is Chase purposely sent me this card. Appears that my credit agencies decreased my credit rating because of this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation