vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I applied for a credit card with Barclays bank via XXXX XXXX. I was not aware that I was approved since I never received a card, activated anything, or make any purchases. I then was charged for maintaining the credit card that I never used, I disputed it with barclays bank, corrected it, and make the account up to date. I requested the late payment history be removed from the account since it was on an account that I was unaware was active until I noticed the detriments to my credit score but have not heard back from credit bureau. I'm requesting the negative history for this account by removed from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
I sent a dispute letter to the bureaus on XX/XX/2021 and haven't receive a response from them. I think they have 30 days to respond to my disputes. This is unfair. When you call them most of them are not very helpful. This doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/2019 amount owed is {$700.00}. I have filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MO

Complaint narrative:
In XX/XX/2012, I settled this account that was a charge sent to collections from XXXX XXXX  to IC Systems. I received a settlement offer and settled it in full. Since they they have changed the amount to show {$98.00}, and it is still affecting my credit score. This needs to be removed immediately and my credit needs to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I originally started disputing inaccurate items on my credit report on XX/XX/2020 with TransUnion, XXXX, and XXXX. I included documentation showing that I was affected by the XXXX  Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I originally started disputing inaccurate items on my credit report on XX/XX/2020 with XXXX, Equifax, and XXXX. I included documentation showing that I was affected by the Equifax Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Payroll check was deposited on XX/XX/XXXX, the bank has continued to charge my account overdraft fees daily while holding my payroll.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I recently refinanced my home mortgage with the existing mortgage holder. Initially I had been told that I would be able to transfer my current escrow account from my old loan to new loan. This was the deciding factor on why I stayed with the same company. 

Just prior to closing, I received a call from XXXX XXXX stating that SLS required the escrow amount for the new loan up front and they would refund me the current balance XXXX {$3900.00} XXXX after the loan had closed. 

I have learned today that {$1500.00} of the prior escrow will be refunded and the remaining balance was transferred over to the new loan ; s escrow account. This contradicted the agreement where I had to front the escrow funds and would receive the current balance back afterwards. 

I called SLS today and was told they had no idea why this had been done like this and it was not normal. the representative indicated that she would request the escrow account to be evaluated to determine why it was not processes as agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/2015 amount owed is {$410.00}. I have filed an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NV

Complaint narrative:
Twice PNC Bank has opened a checking debit card account without my authorization. I have never banked with them. Numerous calls have gone unreturned. I have not given them my information or signed any agreement so they should not be opening anything without my consent. Their fraud department has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: AL

Complaint narrative:
On XXXX XXXX Jefferson Capital Systems , LLC added a derogatory mark on my credit profile per XXXX XXXX XXXX $ XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/2020 I received a copy of my credit report from TransUnion, XXXX, and XXXX. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against 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 explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, my identity was used to fraudulently open an installment loan for the purchase of appliances at XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. 
The thief applied for the loan by phone and email through American First Finance and received approval for the loan amount of {$3300.00} from XXXX XXXX. 

The thief used an old address, old phone number, and was not asked to provide any ID to complete the purchase. The loan application and sales receipts don't even have addresses and phone numbers that match. 

I have disputed this account with American First Finance and I am being ignored by XXXX bank. XXXX tells me to deal with American First Finance because they are the loan servicer. 

I have filed reports with the FTC, XXXX, and local law enforcement but all attempts to remove this fraudulent account from my credit have failed. 

I have been deemed responsible for a debt that I did not initiate, authorize, or received goods for, all because these three companies did not confirm the identity of the person who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I've been a PayPal user since 2000. They have my social security number and several of my banks and credit/debit cards are linked to my account. Today I received an email stating " You can no longer do business with PayPal '' with the reason " After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. '' There was no warning and when I called PayPal, they sent me to a legal page which is for Law Enforcement/Government agencies, to request information. There's no way for me to contest this. In 21 years I've never had an issue with PayPal but all of a sudden they say they are closing it. I pay monthly bills through PayPal so not having access to add money, or withdraw money, is going to cause issues with my automated payments. The email I used to open the account, XXXX, is my primary email and the only one I've ever used with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX amount owed {$3000.00} XX/XX/XXXX amount owed {$31.00} these are under 2 different account numbers neither one is mine. i have filed an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
I was shopping for refinancing rates in XXXX when I stumbled upon AmeriSave. AmeriSave quoted me 2.5 % on a 30 year fixed conventional refinance for a single family residence in Nevada for {$2600.00} in fees. I agreed to this pricing in XXXX and was told they would hold the rate for me for free since they were taking so long to underwrite. The loan processor then asked me to fill out the application and upload the traditional docs for underwriting ( W2s, Bank statements, etc. ) and I complied immediately. I was also told that an appraisal would be able to be waived. However, I was charged for an appraisal and subsequently told I'd be reimbursed for it at closing as I assumed it was a paperwork issue. For months, I was asked for more and more information despite having an acceptable DTI ratio and prime credit. In XXXX I said to the loan processor that this is getting ridiculous and that they needed to finalize closing already. When I received closing disclosures, AmeriSave snuck in 3.5 % interest ( NOT the 2.5 % I agreed to ) and {$6200.00} in points ( NOT the {$2600.00} ) I agreed to. The loan processor told me that it was just reflecting current pricing and he would get it corrected. Then the next closing disclosure reflected the same higher amounts. I complained, and was told that they can not change it. It seems that AmeriSave is back to their old Bait and Switch tactics from before ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Caine & Weiner collection agency reported as past due a payment debt on amounts not owed. I believe they purchased this debt from XXXX XXXX for stem cell storage services that we cancelled in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone 5 times tried to get some sort of credit card or credit with Citi bank - they were all denied due to lack of information on there part - but they used my address at the minimum

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/2020 I received a copy of my credit report from XXXX, XXXX, and Equifax. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
I have not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received direct deposit of EIP payments 1 and 2 to my bank account. For payment 3 I received an EIP debit card in the mail less than two weeks after I was notified that a direct deposit was schedule for payment 3. I do not wish to establish a business relationship with XXXX  or be subject to the terms, conditions and fees associated with their card. 

There is no option on the IRS web site to reject the card and force a direct deposit like the first 2 payments. In order to try to resolve the problem through XXXX, I must first establish a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one new collection account showed up on my credit report, an alleged collection name PHOENIX FINANCIAL SERVICES, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from the 3 BUREUAS CREDIT REPORT.

Company response to consumer: Closed with explanation