vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, XXXX  and Transunion ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.

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 2019-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
sent all FTC guideline documents. to prove the violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MO

Complaint narrative:
My complaint against MRS is multifaceted : repeated calls from often " spoofed '' numbers and autodialed, never received anything by mail, inadequate information to be able to dispute this collection attempt, concern I am the victim of identity fraud but unable to pursue as MRS is uncooperative and withholding information, never having been a customer of the company they claim the debt is from, and MRS refusing to provide their contact information. I receive multiple phone calls a week from this company, sometimes 3 or more a day. Calls are sometimes from an XXXX number, but more often they are from a " spoofed '' local number. They asked for me to give personal information, which I refused to verify over the phone. They then refused to tell me the name of their company, their address, their contact number, or the nature of their call. These calls have been continuing for roughly 6 months now. I no longer take their calls, as they do not seem reputable. I have received nothing in the mail, and no debt validation letter. I did receive 1 text message on XX/XX/2019 ( see attached screenshot ). The text states this is regarding a XXXX XXXX debt on behalf of another debt collector, XXXX XXXX XXXX. No account number has been provided. I have never been a XXXX customer in my life, so I know this is not my debt and their collection attempts are not legitimate. I have not received enough information from them to even dispute this ( no address, no account number, nothing by the mail ). Nothing has ever appeared on any of my credit reports. I am not sure if I have been a victim of identity theft, because when I reached out to XXXX with that very concern, I was told they could not search or verify without an account number to reference, which MRS has failed to produce. The callback number provided in the text does not match any online records for MRS BPO. Again, I have never done business with XXXX. I have no address to contact MRS in writing, and they have not provided adequate information for me to even dispute this collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
sent all FTC guideline documents. to prove the violation

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 2019-03-29 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: CT

Complaint narrative:
I was never warned by XXXX XXXX that they would do a hard inquiry and I have no goods from them that wer n't paid for in full at the initiation of service. They only had my name and last 4 of my Social and were able to do this hard inquiry without telling me. 
This is what it looks like on my Equifax report : XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report until XX/XX/XXXX. 

No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
I recently applied for loan at One Main Finance XXXX XXXX, KY. Which I did not take out by choice. However when ask about what the loan was for. " I stated it was to pay off a credit card. ' The lady stated I was a authorized user. Was it my husband 's? I stated it was my wife 's. She said it could be your husband 's. I guess depending on which role you play. And laughed. I really did not appreciate that at all and I certainly did not think it was funny. I think One Main company may need to educate their employees in the XXXX community and rights. I am offended by what the employee say to me and she had no right to say nor should she have stereo typed me. I would like to know what can I do about this? 

Thank you XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX  XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX XXXX XXXX & XXXX   XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX  DEPT OF   ED/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX - {$100.00} - Revolving Paid XXXX  XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - 12 XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX  XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX  XXXX - {$100.00} - Revolving Paid XXXX XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX   XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX   XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Real Estate Paid XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We have had a short sale going on with PennyMac since XX/XX/19. The authorization letters were sent on XX/XX/19 and XX/XX/19. We have spoken to PennyMac multiple times since then via both email and on the phone, and have even received an approval letter for the short sale. 

Today we were told by multiple people, even management, that we are not authorized. They refused to speak to us and said we were never authorized. 

**HOW is that possible if we received an approval letter and have spoken to PennyMac MULTIPLE times over the last several months?? 

So. Either PennyMac inappropriately communicated personal financial information to us throughout the entire past few months- including sending an approval letter to us, or they are now lying about our authorization status. Either way, this needs to be resolved immediately. 

I want PennyMac fined the maximum of $ XXXX due to their gross incompetence and consistent inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Received a non solicited credit card issued by Capitol One Bank XXXX. via us mail. Card issued with complete account number, expiration date, Sec Code, RFID Chip, copy of my credit report, security agreement and other terms and conditions. Documents state that use of the card constitutes acceptance of security agreement and all terms and conditions. 

I did not solicit this bank for a credit card at any time. The card issuance practice placed me and my family at great risk of identity theft and credit fraud where in any person that obtained possession of the item in the mail could have activated this high limit ( {$10000.00} ) credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
was promised by mr. cooper finance company as part of the agreement to refinance my loan that they pay off an existing loan I had with XXXX XXXX in the amount of XXXX dollars but they did not pay that and when I call them I get no answer and no return call from them. mr. XXXX XXXX was the man who promised me this. loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
there is a XXXX account reporting on my credit file, which is a fraudulent account and does not belong to me, i had not inquired or applied to this inaccurate information reporting on my credit file, but when i disputed this inaccuracy was removed and them put bank on my credit file after 6 months, this is not my account, when i disputed experian which is the only one who is reporting this account, they said they will not dispute ever again and i should not be sending them any type of paper work if i have any, no more disputes.

but since this is not my account whether it is positive or negative, why should i have this inaccuracy on my shoulders..

please help me to have this inaccuracy removed from my credit file, i will be attaching my police report, and ftc report. 
thank you

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was informed that I had a credit freeze on my Experian Credit report, I attempted to call & have it lifted & was unable to speak with a Rep. The automatic service gave me an option to add a security freeze on XX/XX/19 in order to speak with a Rep. I placed it on there on this date so that I can speak with a Rep. Upon speaking with a Rep, I was informed that they had an old address from 12 yrs old listed as my address. I explained that I didnt live there & provided updated address. I was then informed that I would have to wait until I received a pin via mail in order to lift the freeze. I told them that this was unacceptable. The Rep told me I would have to mail in documents. I explained that I did not have the time to do that because I need this issue resolved ASAP!! I was then told that they would overnight the pin if I paid {$20.00}. I am not paying to have a pin mailed to me, when I already verified my identity. I want this freeze removed permanently & my correct information updated. The Reps there are very rude & unprofessional. Please help me resolve this issue ASAP!!!

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 2019-03-29 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX  2 ) XXXX XXXX XXXX -AMOUNT {$1800.00} -DATE OPENEDXX/XX/XXXX -ACCOUNT # XXXX  END OF ACCOUNTS : INQUIRIES : 1 ) XXXX XXXX- DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX  -DATE OPENED XXXX 3 ) XXXX XXXX XXXX -DATE OPENED XXXX 4 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX XX/XX/XXXX - DATE OPENEDXX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 7 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 8 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 9 ) XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 10 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX12 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 13 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 16 ) XXXX XXXX XXXX XXXX - DATE OPNED XX/XX/XXXX 17 ) XXXX XXXX   XX/XX/XXXX 18 ) XXXX - DATE OPENED XX/XX/XXXX 19 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 20 ) XXXX   XXXX - DATE OPED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have an unverified account from LVNV Funding, LLC. I had previously disputed this account. I have never done business with LVNV Funding, LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV Funding, LLC provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LVNV Funding, LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX bank. 
I responded to Lyons, Doughty and Veldhuis attorney for XXXX XXXX, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
We do not use her XXXX XXXX card that often but we received a promotional email for some special financing so I logged into my XXXX XXXX  credit card account online just to confirm the available credit and at the top of the screen it reads for your protection we have issued a new card and have limited online access to your account please register your new card I had no idea why you would be sending me a new card so I called after being transferred multiple times hung up on them once then calling back sitting on hold multiple times you finally came back and told me that my account was closed I inquired as to why we've been a good customer for many years put me on hold again I guessed it figure out whatever your story was going to be this time you came back you told me that the authorized user called on XX/XX/XXXX it said that the account was fraudulent first of all be in the authorized user were together on XX/XX/XXXX neither one of us called second we don't carry the credit cards with us so there's no way we could have called with the credit card number that you always ask for and even if your crazy story was true the authorized user is allowed to close my account the primary and keep in mind he didn't call and neither did I so I can't help but wonder what information did you receive and who actually called you you always claimed these calls could be recorded well do you have a recording because I would love to hear it because I want to hear exactly when somebody called and closed my account without my knowledge because I don't believe that happened I don't know why you close my account but it was not at the request of me and you claim on your website you're sending out new cards when will I expect those if the account is closed why are you sending new cards?

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 2019-03-29 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: CA

Complaint narrative:
My complaint is against all 3 credit bureaus : Equifax, XXXX and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX   since they are refusing to remove a fraudulent account from the all 3 credit  bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an SC-100 claim as a last warning in case that account still reflects on my credit reports.

Company response to consumer: Closed with explanation