vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: NJ

Complaint narrative:
I came to know from my monthly credit report that collection agency Franklin Col reported to Credit Bureau against me for collection of XXXX XXXX  XXXX medical debt of {$400.00} which I never received any invoice from XXXX XXXX XXXX and XXXX XXXX. This action of XXXX XXXX hit my credit score very bad. I have already paid this amount through my medical insurance account/ health saving account ( HSA ) which was not updated. I tried to contact XXXX XXXX  XXXX but there is no information available about this company on internet. I asked to Franklin collection to provide me the information about it and they refused to give any information about XXXX XXXX XXXX which i think it is unfair and illegal to damage someone credit score without sending any invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checked my account today I noticed some accounts that Im not aware of some inquiries too I never gave anyone my consent to do this and I dont understand how this could happen. 

Dept of Ed all accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2020, I was shopping online for personal loan, I started from the website of a online lending platform called XXXX XXXX, the webisite have said that they will not do a hard inquiry on my credit report. Then OneMain Financial, which got my information through XXXX XXXX, approached me via email to ask me to apply for the personal loan, after I typed into my information, without any notice, they have conducted a hard inquiry on my credit report which cost me 14 points. I would not give them my information if I was notified that OneMain will do a hard inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank checking account online XX/XX/XXXX. When I visited the branch in late XX/XX/2020, I was told my account was frozen for the first time. I was given the 800 customer service number and told to call Monday-Friday. I called that following Monday and was despite answering all verification questions correctly, I was told my account would be immediately closed and my funds would be sent to the address on file within 10 days. I waited but never received the check. I have visited the XXXX XXXX and the XXXX  XXXX XXXX branch and spoke to the manager there XXXX XXXX to no avail. I've made multiple calls to the 800 number and have provided scanned images of my passport and my most recent paystubs, as requested. It is now the XXXX of XXXX and I have yet to receive the funds. I have been patient and complied with every request but the bank has kept my funds and has provided the most unprofessional service I have encountered in long time. The balance on the account is urgently needed for medical reasons and it is being held without reason. Please assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checked my report today and I noticed some student loans account opened I wasnt aware of I mean anything reporting inaccurate should be removed right under the fcra please show me documents where it shows my written consent. Also there is inquires on my report that Im not aware of as well i contact all creditors they have not responded.

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 2021-02-01 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: NV

Complaint narrative:
Experian has the wrong information for XXXX for the month of XX/XX/2020 as 30 days late in which is incorrect.

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 2021-02-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX which is wrong with no apartment number. 
Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2021-02-01 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-02-01 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is a charged off account from Capital One on my credit report that does not belong to me. I am the victim of Identity Theft. 
I have submitted my police report and FTC affidavit multiple times and have had no success having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian XX/XX/2021 page 8 of 10 Telephone numbers is not my phone number. Show proof of this number belongs to me XXXX from the phone provider. Stop putting false information on my credit file.

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 2021-02-01 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: Self Financial Inc.
State: NJ

Complaint narrative:
I am a customer of Self with both a credit builder account and a visa credit card account. I have been consistent in paying my both account on timely basis until I felt sick due to the XXXX. I am a XXXX  worker in the XXXX XXXX XXXX and have worked all through the crisis covid in the XXXX XXXX  of a major XXXX in XXXX XXXX XXXX. I contacted the company and explained that I was sick in XXXX and probably missed the payment due to my serious illness. I was advised to write a goodwill letter by a gentleman that I spoke with with over the phone which I did twice. Twice, the response was by an automated machine denying my request. 
I have carefully revised my account and during the month of XXXX and XXXX 2020, payment was made twice each month and that should have covered payment for XXXX 2020. It is painful that Self is being insensitive to the plight of XXXX XXXX who has been consistent with payment until falling sick and will rather aggravate the health struggle with additional financial woe. 
I want the company to review my account and remove the late payment on my credit profile for the month of XXXX 2020. I also do not understand the various reversal of late payment between the month of XXXX and XXXX. 
The four payments I am referring to are for the following months XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checked my report today and I noticed some student loans account opened I wasnt aware of I mean anything reporting inaccurate should be removed right under the fcra please show me documents where it shows my written consent. Also there is inquires on my report that Im not aware of as well i contact all creditors they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Advantage Credit, Inc.
State: FL

Complaint narrative:
ON XXXX XXXX2021 I filled out an application with a XXXX XXXX  XXXX. They checked my Credit and reported back to me what scores they received from the Advantage Credit bureau. They gave him outdated and inaccurate information regarding my credit score. I called Advantage Credit Bureau and asked the girl who answered the phone. Her name was XXXX, Where they got the credit scores they're reporting, she told me the credit bureau. I called the Mortgage agent back and asked if his Mortgage company used Credit scores or FICO scores in making their decisions on applications for a Mortgage. He informed me they used FICO only. I called back Advantage Credit and was told I needed to talk with someone in another department. I tried to explain why I was calling and that there was some confusion in their score. She refused to talk to me and told me to have my agent call her directly. I talked with him and he said, they said their score was correct. The score they posted for XXXX  was XXXX. Here 's the problem. On the XXXX of XXXX 2021. I received an email from XXXXXXXX of which I am a subscriber. The email was congratulatory for raising my FICO score to XXXX. I am enclosing a snapshot of that dated email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/21, I was shown and applied for an apartment at XXXX XXXX XXXX XXXX, Application ID : XXXX. I never received a notice of denial nor a specific reason for denial. Pursuant to The FCRA 615 ( b ) : " Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of 72 615 - 15 U.S.C. 1681m living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. '' At this time, I am exercising my right and I demand to know the specific reasons why I was denied tenancy for this apartment. The company 's negligence in providing me with this information has caused mental anguish as well as depletion of funding needed to pay for housing as they assessed an {$85.00} fee but failed to provide me with the details mentioned in this complaint.

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 2021-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
Without any prior notification from Vance and Huffman, i was notified by my credit monitoring company that a collections was placed on my credit report. I have received noting in writing about this debt and have no knowledge of it. I am a service connected XXXX veteran on a Veterans pension and was in the process of buying an RV to live in until my credit score dropped 40 points after Vance and Huffman put this collections on my credit report and the lender backed out of the loan. I can not describe how angry and appalled I am at this I know nothing about this loan and demand that this be removed from all three credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I been unemployment since XXXX I ask shellpoint morgage to please put the amount past due to the end of the loan they replied they can only put 3monts and that I need to pay at least {$5000.00} that I dont have and still my payment is going to be {$2000.00} a month please help me my mom is a senior citizen on {$550.00} a month I'm still unemployed now to make it worse my unemployment beneftscare on hold since mid XXXX please help ous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX Has a Credit Hard Inquiries on my credit report XX/XX/21 page 7 of 10 Report number # XXXX I don't no this company or who it is. This company has committed fraud in which they can not provide any contract or information showing that i agreed to there services. I contacted them and got nothing but the run around and no return call from this company. 
I have also reported this to the US Attorney office as fraud from 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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/2019 my bill did not go thru company saw the payment tryin go out but never got notify so I can not get a mortgage because of that and the company wouldn't help me get these fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CHECK INTO CASH INC.
State: SC

Complaint narrative:
I got a payday loan from Check Into Cash over 5 years or more. I stop paying on it. Ive asked them to send me something in writing because I dont know how much I owe since its been so long. Im getting phone calls with threats about summoning me and taking legal actions against me. I think this is violating the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
RE : Complaint # : XXXX As of XXXX XX/XX/XXXX Bank of America has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX  credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. Bank of America reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that Bank of America officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to Bank of America and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by Bank of America regarding payments made to the bank between XX/XX/XXXX and 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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian In opt out by letter and CFPB and on my Report # XXXX for XX/XX/2021 shows Clarity Services INC/XXXX/XXXX/XXXX XXXX shows XXXX has all these soft inquires. I opt out with Experian. I did not request or ask Clarity for n.o services by phone internet or contract or ask for any credit of any form. 
I have also filed with the US Attorney office and file a police report for fraud on Experian/Clarity If Experian opt out all this fraud would not be going on

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