vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a notice from Huntington National Bank that I was approved for a COVID-related forbearance for the months XXXX, XXXX & XXXX. I was then to continue payments on XXXX in which i did. 
Though when I received my statement, I noticed that the months that I was approved for the forbearance where shown to be delinquent. I contacted Huntington National Bank and was informed that this would be taken care of on the next statement. 
Several months had past with the same results showing these months to be delinquent. 
I then contacted CFPB with a detailed complaint and within 2 days was contacted by Huntington National Bank, letting me know that there would be forms sent out for me to sign. These forms would allow the months of forbearance to be rolled to the end of my mortgage. I received those forms on XXXX and mailed them back on XXXX. 
With this complaint I'm letting you know that this issue is still unresolved as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report promptly : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Thank you, 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 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FAIR COLLECTIONS & OUT Original creditor : XXXXXX/XX/XXXX {$5000.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of account or service rendered.

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 2021-01-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-04 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA is reporting an old debt on my credit file and it needs to be removed. Under the FCRA this account is in violation because it is 7 years old and needs to be removed from my credit. It is also past the statue in North Carolina and they can longer come after the debt. This needs to be removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/2021, a customer paid my business using XXXX. XXXX will not give me my money because I don't have a traditional phone number. I would not have known this before the customer paid me via XXXX because I do not typically use XXXX. Regardless, me not having a traditional phonr number does not give XXXX the permission to steal my money. I want my money, and I don't care how they get it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I notified the company of inaccurate reporting of the date of last activity, the incorrect amount, and never received a response from the company. Ive made several contact attempts and never receive a response in writing.

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 2021-01-04 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: NJ

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2021-01-04 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: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report : - XXXX XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX is a victim of identity theft and fraud. As a result, this is the third time that I am writing Transunion to Remove these FALSE and INACCURATE ACCOUNTS ON MY CREDIT FILE. For the third time THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. If this continues I will pursue legal action.

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 2021-01-04 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: PA

Complaint narrative:
I tried to reach out to the companies numerous times about the inaccurate accounts but iv'e gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

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 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2020 SPS ( Select Portfolio Servicing ) performed an " Audit '' of my mortgage account as documented by notice. Following the " Audit '' the account was paid in full with an escrow balance. The notice they sent claims the previous servicer of the account, XXXX XXXX XXXX XXXX, overcharged interest rates on the ARM, improperly adding a floor rate cap. An overpayment of {$34000.00} on an original {$48000.00} mortgage occurred. The ARM interest charge apparently had been wrong since possibly the inception of the loan, but the lender will not give the borrower the specific loan details over the lifetime of the loan. The most recent interest rate adjustment by SPS was incorrect as documented by notice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I have had a collections notice placed on my credit report by Franklin Collection Service Inc at the request of XXXX. Upon contacting Franklin to learn what the debt was, it was clear this was not my debt : different state, address, phone and email. There is no evidence I owe this debt. I was never contacted prior to being placed into collections. 
Franklin refused to remove the collections notice from my credit report and required I provide them with written evidence the debt isn't mine ( which is backwards, they should provide evidence the debt IS mine ). 

This account was opened while I : a ) had a fraud notice was on my credit file due to the XXXX  data breach b ) my credit was locked with all three credit bureaus c ) the account was opened using none of my personal information beyond my SSN I have attempted to contact XXXX  3 times today. I've waited on hold for over 60 minutes with their " Fraud Team '' and ultimately they just hung up on me without my call being answered. Other people at XXXX  just forward me to this " team '' who never picks up the phone. I see no way that I can resolve this without your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC systems is attempting to collect a past due amount on a PRE PAID XXXX  ( XXXX  XXXX  ) account. There was no contract on said account. IC Systems put 120 day delinquency on my credit rating

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: KY

Complaint narrative:
I am a XXXX  for XXXX My yearly re-investigation for XXXX has taken more than 2 months which has prevented me from working. The background company, Checkr, claims delays due to COVID. I contacted them and they claim there is a delay caused by inquiries to specific counties have gone unanswered. I have contacted each county from previous background check and all have stated they answer requests in the normal processing time. 

This check has been underway since XX/XX/2020. 

It is also worth noting that Checkr did my background for XXXX over the summer and it was completed in one day, despite COVID. 

Checkr has failed to list what county causes this delay, and they make speaking to someone live practically impossible. 

I have lost approximately XXXX XXXX dollars in income from this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
On XX/XX/2020, I received a letter from SRM collection agency regarding an outstanding debt for {$550.00} with XXXX, which they implied was mine. I have never had an account with XXXX or ever used, or co-signed for someone else to use, their services in any way. The name on the account was for someone with the same first and last name as mine was prior to my marriage ( and name change ) which was years prior to the original opening of the subject delinquent XXXX account. Although I live in the same state as the apparent person who opened the delinquent account, I reside over XXXX miles from the location it was initially opened/activated from. I have also never lived in that part of the state. I have never even had a phone number within the area code of the number associated with the delinquent account, much less the exact number itself. 

On XX/XX/2020, I sent SRM a letter disputing the debt. I requested additional information regarding the debt and clearly informed them it was not mine. 

I later received a letter from SRM, dated XX/XX/2020, further accusing me of the debt and providing me some additional information as requested. I sent them another letter XXXX dated XX/XX/2020 XXXX providing additional information as to why it is not my debt and that I have considered the matter closed as far as I am concerned. 

I received another letter XXXX XX/XX/2020 ) from them, now saying that I had indicated that I was victimized by identity theft. I never said that. I do not believe this is due to identity theft. I honestly believe they are simply accusing me of this debt because, in the past, I had the same first and last name, at one time, and, I happen to live is the same state as the actual guilty party. It appears to be poor or sloppy research on their end as they are absolutely accusing the wrong party of this debt. 

Please help get this collection agency to realize I am not the individual responsible for this account. I never opened it, used it, or ever even had an account with XXXX in my entire life. I consider this matter closed as far as I am concerned and truly wish they would stop accusing me and focus their efforts on locating the actual guilty party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation