vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I need the cfpb to investigation the issue with Lexington Law. they stated on there wed sit that they can remove item from your credit report. and that not true. they charge all this money stated that they can remove collection item from your report and your score would go in point. let me understand this Law practice as it state on they web -sit negative item for Late payment score Decrease late payment up to110 points .and debt settlement up to125 points foreclosure up to 160 points bankruptcy up to 240 points collection up to 110 points and hard inquiry up to 15 points. now I believe that the only way you can get an account off your credit report for negative is to pay that account creditor and ask they to delete from your credit but you do not get no 100 points for get a Negative as a collection. I got a collection item by pay the creditor there but by scores do not go back up to no 110 points on my credit report on all three credit agency, what the real deal here. it call misrepresents. because XXXX. XXXX  and XXXX  agency only give you 7-12 and not no 110 points look at there web-sit. Credit repair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A negative remark was placed on my credit card account " with amount in dispute ''. I have never been late on all my accounts with Bank of America and have paid everything on time so I do not know why this negative remark was placed on my account. BOA did offer some payment deferral request due to the Covid pandemic, which I signed up for but did not pursue.

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 2020-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Acceptance Inc.
State: SC

Complaint narrative:
United acceptance XXXX loan I paid my portion in payments I contacted this back not sure on credit report I believe it was the beginning ofXXXX I informed them that I had been paying XXXX  XXXX XXXX in XXXX SC they said ok then I called XXXX XXXX XXXX  and discussed the call with XXXX the owner he said he didn't sell my loan to keep paying him and I did now lateXXXX I totaled the XXXX XXXX insurance paid off car the co sent the check to XXXX XXXX and the account was paid in full the co. Called about the I informed of the information I was given then I see a negative report now I talked with several representative of this company and explained the situation and they said they would contact XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I am writing this letter to demand that you remove the following accounts that are the result of identity theft : I have previously sent a letter to Bankruptcy Court disputing the fact that my chapter XXXX was showing on my credit report. I contacted the courts and they sent a letter that I have attached. They stated that t they didnt have to verify ; so im requesting the bureau remove it immediately. This is causing harm and damages to me since I am not able to open any new credit due to the incorrect reporting of these accounts as mine. I can not get a loan for a house for my family to live in. I can not get a loan for a car to transport my family members to and from school and work. I can not get a credit card to help pay bills for my familys care. 


According to the FCRA, you must remove these items that are the result of a mistake made by the government. I demand that this letter be read by a human and not e-OSCAR.

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 2020-05-26 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: GA

Complaint narrative:
For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was 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 2020-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I went to XXXX to get pre-qualified for a loan. I pre-qualified for an offer from Sofi. I then proceeded through the application on Sofi with the same information and was initially denied. I tried again with the exact same information and got a quote that was 200 basis points higher than the XXXX  offer. I reached out to Sofi and was told to proceed with my application and that they would attach the XXXX  offer to it. Therefore, I proceeded with the application and had my credit pulled. After that, I was told that Sofi would not actually price match the XXXX  offer. Again, I provided XXXX and Sofi the exact same information. Sofi told me that they might be able to reduce the rate, and came back with a 0.125 % reduction. Despite the fact that XXXX was a pre-qualified offer and I provided the same information to Sofi, my rate ended up being higher and I was misled into submitting my application by being told the XXXX offer would be attached. Sofi also emailed me back using the wrong name, which was concerning, but I assume an accidental oversight on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: ME

Complaint narrative:
Monterey collection services continues and refuses to admit the fraud They are committing as well as the violation of the fair credit reporting act and the fair debt collecting practices, when I summited a complaint about fraud and violations for not sending me a 30 day notice they know it a violation and all debt collectors lie about sending them, I have now have multiple items of evidence of fraud on there part now, 1. They are trying to state that the email address they say is on file for me is mine, thats a huge wrong the email address they state is mine has never been associated with me ever, 2. Proof of them deleting my original account off of my credit report when payments had been made to original creditor that were magically deleted and reset as well as improper balance and extra charges than what my account balance was at before they deleted it, proof is fraud they deleted the original account and reset the balance and raised it= theft were did the money they received go? Answer THEFT TAKE MONET APPLY TO BALANCE THAN RESET ACCOUNT WITH FRAUDULENT INFORMATION AND THEFT OF TAKING MONEY AND NOT SHOWING IT PROPERLY ADDING EXTRA CHARGES AND HAVING ORIGINAL BALANCE RAISED AS WELL AS DENYING THEY NEVER SENT ME A 30 DAY NOTICE AND ADMITTEDLY DENYING THEY NEVER DID WHEN I QUESTIONED IT, DELETING THE ORIGINAL ACCOUNT NOT CHARGING OFF TO DELETE XXXX REPORT FALSE DATES, 3. PUTTING STATMENTS ON MY CREDIT REPORT STATING I SAID IT WAS ACCURATE WHEN I NEVER SAID XXXX, 4. TRYING TO STATE THAT THERE XXXX MEETS THE FCRA REQUIRED REPORTING, IF IT MEETS THE REQUIREMENTS OF NOT VIOLATING THE FAIR CREDIT REPORTING ACT EXPLAIN HOW DELETING THE ORIGINAL ACCOUNT AND KEEPING THE MONEY I MADE PAYMENTS ON WAS MAGICALLY DELETED AND NOT REPORTED ANYMORE AND DATES WERE DELETED TO COVER IT UP AS WELL AS THAT IS THEFT TAKING MONEY AND DELETING THE ORIGINAL ACCOUNT AND REMOVING THE PAYMENTS THAT WERE MADE YET YOU KEPT THAT MONEY VIOLATING THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTING PRACTICES BY PUTTING THE ACCOUNT BACK UP WITH NO PROPER NOTICE AND LISTING EMAIL ADDRESS AS MINE I HAVE NEVER HEARD OF, NOT SURE WHAT XXXX GAME YOUR PLAYING, BUT THANKS TO BEING OUT OF WORK CAUSE OF COVID-19 GAVE ME LOTS OF TIME TO RESEARCH AND FIND MY EVIDENCE AGAINST YOU, YOU BASICALLY SAID ON MY LAST COMPLAINT I HAVE NOTHING TO SUE FOR, WELL THINK AGAIN NOE THAT I FOUND ALL MY ORIGINAL PAPERWORK AS WELL AS PROOF OF FRAUD AND THEFT BY DELETING MY ORIGINAL ACCOUNT AS WELL AS PAYMENTS MADE AND NOT REPORTING THOSE PAYMENTS ANYMORE YET KEEPING THE MONEY= THEFT!! ONLY UPLOADING A FEW PHOTO DOCUMENTS HAVE LOTS MORE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: EQUIFAX, INC.

Complaint narrative:
I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX XXXX XXXX. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like 500 points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX XXXX XXXX so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One in XXXX after I noticed my savings account had been closed. I was told I had exceeded the amount of withdrawals on this account, and Capital One chose to close it. The bank has no copies of its correspondence with me about this matter. I sign up for customer alerts and have received other secure messages about this account. Had they contacted me through the portal and given me an alert that this account was going to be closed, I would have been able to stop the withdrawals : It was an honest mistake where this account was linked to my XXXX account, and when my CC expired, this became the default payment for many small payments, like to XXXX or XXXX. 

It was closed in XXXX, which is the same month where I moved from XXXX  to XXXX. I never received such correspondence and have never received the check they were supposed to write to me to a new address. I asked Capital One to send me documentation and copies of their correspondence to me, and this is all they could provide : Regretfully, we are unable to obtain copies of these specific communications that would have been sent to you. However, we were able to confirm where these communications were sent to and when they were sent. All excessive withdrawal and account closure communication ( s ) were sent to the address we have on file. Communication regarding each excessive withdrawal was sent around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Subsequently, the account closure letter was sent around XX/XX/XXXX. 


** Capital One boasts about its user-friendly experience and use of technology. If it can't even provide its customers with consistent and accurate electronic communications, I think it needs to reevaluate how it serves customers and how it positions itself in the market. 

I have provided a Capital One Customer Service Manager with an updated address. I was not allowed to change it on the portal since they closed my account and I am no longer a customer. I am hoping they will retrieve that information and send me my check from my account closure soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to Equifax and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Attempted collection of {$80.00} for cable equipment that was returned to company

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 2020-05-26 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: FL

Complaint narrative:
ftc violations : enclosed and stated all violations listed acceptance now {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a cardholder of a TD Bank NA credit card. In XXXX I received an offer in the mail to transfer card balances to the card for a 0 percent interest offer, which I did on XX/XX/2020 via the bank 's on-line portal. I transferred balances from an account charging me 8 % interest. Once transferred I saw the balances at TD bank were being charged 18 % interest. When I spoke to TD Bank I was told that the balance transfer offer I'd received in the mail was only for people if they opened a new credit card account. Why was I being sent misleading balance transfer offers for new account holders only when I already have an account. These offers continue to arrive in my mailbox. I was misled into thinking I was receiving an offer on my existing account and am now paying 10 % more interest than before THANKS TO TD 'S  MISLEADING MARKETING PRACTICES. They should not be sending new low interest offers when you open a new account to existing customers. They are not exhibiting due care. TD bank refuses to reverse the balance transfers or address the high interest issue. Furthermore at the time I transferred the balances and received a confirmation vis TD 's on line portal, there was zero indication that this transfer was not a 0 % balance transfer and that the interest charged would be at full rate, in which case I would have aborted the transfer. Again totally misleading. Trying to get people to transfer balances thinking it is a low rate when it is a high rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
I am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account. 
this Account, That is on this Report is Fraud

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