vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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:
Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, Equifax, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: CA

Complaint narrative:
I'm a single parent who was putting a way2go card program from XXXX XXXX  without my knowledge or approval. When I received the MasterCard last year I made several attempts to activate it and contact the company but it is virtually impossible because it's all an automated system. And it's also extremely confusing to do so I gave up. I got a letter from them today telling me that I have a balance available of {$1200.00} child support payment for my child. I called them up verified who I was got a very rude female customer rep requested a supervisor then she hung up on me after I told her I didn't understand how the program works or how to use or activate my card. I would like my money sent to me can a cashier 's check or make it available on a credit card to where I can speak to a live person that can help me use this card so I can provide for my XXXX  I'm also a XXXX XXXX veteran. This program never works for single parents like me all they do is charge is unnecessary fees and take for my XXXX  I have no idea why people continue to use these types of programs to take advantage of us. Someone needs to investigate this company for their on at the call in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is I have not authorized the following accounts below to have a copy of my medical records nor have I never even heard of WAKEFIELD & ASSOCIATES account # XXXX I found this on my report today. I have a copy of my XXXX report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2021, I received correspondence notifying me that my mortgage was transferred from XXXX XXXX  to PNC Bank. I contacted PNC Bank for assistance to establish an online account. The rep. stated that I couldn't enroll until XX/XX/2021. 

On XX/XX/2021, I contacted PNC Bank to establish an online account because the online feature was not working. I was told that I needed a pin # to create an online account. I was given a pin # and then told that I had to enter the pin # within 15 minutes. I did that and the system still did not allow me to create an online account. 

Again on XX/XX/2021, I contacted PNC Bank and the representative tells me that they will have to " mail '' me a pin # in order for me to create an account, but they are " able '' to take a payment from me over the phone in the meantime. 

I explained my concern for providing my banking information without having an established online account. The rep then tells me, " if you don't make a payment by the end of the month, then I will be penalized for the late payment ''. 

In my opinion, PNC Bank has established a business model that will guarantee penalty payments for new customers. The antiquated process ensures no one will be able to set up an online account in time to make online payments ( without a penalty ). For example, if their existing system is unable to recognize my account information to establish an online account, then why should I have confidence that my payment " over the phone '' will be applied to the correct account that doesn't exist. 

This business practice needs to be investigated and PNC Bank needs be held accountable for establishing antiquated systems that provide barriers to consumers attempting to make mortgage payments on time ( without penalty ). 

Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
They responded to the previous compliant that they have corrected the issue. This has not been down and they are falsely claiming it to CFPB and XXXX. They still have not provided the {$1200.00} and will not respond to my phone calls and emails. This issue is now over 75 days since the loan was applied for and 45 days since the financial discrepancy without any resolution. 

I am including a letter with my timeline of the issues and of the solution I expect at this point. Since XXXXUpgrade refuses to engage in any type of productive conversation or discussion other than telling me they are working on it and will call me. I have been hearing this for 30 days now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation
State: UT

Complaint narrative:
The Debt Collection company reported inaccurate dates and admitted this in an initial complaint filed. The debt the collection company is attempting to collect was initially fees for a checking account with XXXX XXXX XXXX XXXX and as such is a credit union that no longer exists. The servicing credit union appears to have sent the bank fees to this agency for collection efforts, but no contract for repayment exists. In researching the debt and the company they do not have a federal bank charter and yet are attempting to recover banking fees. The company never provided a debt collection letter or provided proof that the debt collection agency has proper notices on the letter they claim to have sent. The dates initially reported by the company show a debt that was incurred ~2 years ago which is incorrect and violates accurate reporting laws. The credit union is not located within the state I reside and the address they claim to have sent a notice to is not a residence that I currently reside at.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
XXXX 2021 I CONTACTED CONVERGENT OUTSOURCING ABOUT A DEBT THAT WAS ON MY CREDIT REPORT THAT IS NOT MY DEBT, { THIS IS NOT THE FIRST TIME I REACHED OUT TO THEM CONCERNING THIS SAME DEBT } ' I WAS TOLD THAT THEY { CONVERGENT OUTSOURCING } WAS GON NA SEND ME A FORM TO FILL OUT, IT HAS BEEN A MONTH AND I HAVE NOT RECIEVED ANY MAIL FROM THEM ... .THIS WAS THE SECOND ATTEMT TO GET THIS FIX.. 
I HAVE A MORTGAGE PENDING AND IM STILL WAITING ON THE AFFIDAVIT..

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 2021-10-15 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: GA

Complaint narrative:
Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, XXXX, and Transunion to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to 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 2021-10-15 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:
Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted Experian, XXXX, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to 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 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse XXXX XXXX XXXX XXXX XXXX XXXX  can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: WA

Complaint narrative:
I have contacted both XXXX XXXX and Equifax regarding several inquiries that are reporting on my reports respectively that were not made by me. I have mailed in disputes and spoken to each credit reporting agency several times over the phone and I am unable to get any form of remedy from those efforts. 

I have also filed the FTC fraud report as instructed and sent that in as well and they are still reporting. This is a violation of the fair credit reporting act. I need these removed immediately as they are a defamation and misrepresentation of myself and or affecting my credit worthiness causing me actual monetary damage in the form of denials and also higher interest rates. 

Listed below are the inquiries I am referring to, listed XXXX credit reporting agency. Please note that not all of these are included on the FTC report as some of them have occurred after the report was made. 

EQUIFAX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NQM Funding, LLC
State: VA

Complaint narrative:
Received this letter that looks like an official government document even though it's just advertising. But it's misleading and confusing. I don't think companies should be allowed to do this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Recently, I sent correspondence to the debt collection company Convergent to dispute the debt in question and request documentation that reflects that I owe the amount in question which is {$720.00}. Per request for documentation I was only sent a letter stating that an investigation was completed by Convergent and that there findings stated that I owe the debt, I am requesting those findings that convinced Convergent that I owe that debt. Also, this account is expired under the statue of limitation here in the State of Nevada for written and or verbal contracts. This account is reflecting on my credit report as a negative account, and if Convergent can not provide the legal documentation showing that this account has not expired under the statue of limitations in the State of Nevada and written proof that this is my account. Then I am requesting this account be removed from my credit report, and no further contact from this agency.

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 2021-10-15 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: TN

Complaint narrative:
I CONTACT EQUIFAX  ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT 

XXXX XXXX XXXX	
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
 XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX  
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone used my credit without my consent and applied for accounts using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I recieved a phone call from XXXX XXXX XXXX  XXXX  a law firm that represent GE MONEY BANK for JCPENNY about a credit card I had in XXXX. GE MONEY BANK FOR JC PENNEY. The rep with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ext XXXX ( my file number XXXX ) advised XXXX is owed and XXXX XXXX XXXX XXXX  was hired to collect or sue the amount the plan to collect is {$3800.00} due to a tolling agreement attached to the card I advised her the card was stolen with Jcpenney I reported this in XXXX to Jcpenney. I asked her if I owed this debt how come it has not appeared on my credit report on it was not sent to me by mail. The rep advised it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX. I advised the rep that address is not the correct address for me nor was it for me at the ( I did not live an apartment I owned a house ) I sold this home in XXXX. Each time I moved I updated my address the USPS and the credit bureaus have a list of all my known addresses. This company called several of my relatives for instance my nephew XXXX XXXX they called him and told him they were filing a civil Lawsuit on the same day they called me. Like my nephew and told them they were looking for me to sue me. This has been embarassing and unprofessional I have NEVER experienced anything like this. Also, when I asked can they see where I reported the card stolen. She said they can do an internal investigation but if it comes back that they could find not any evidence I called I will be sued for trying to commit fraud to be relieved of debt. This is outrageous. Lastly, if they could not speak with my representative about my debt then why did they speak with my daughter and my nephew about it when they called. This is a stall tatic by this company to sue me for this debt which is why it took 30 days for them to respond to the cfpb with that.

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 2021-10-15 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I sent a letter to SYNCB/PPC to validate a false debt that they put in my name and has been negatively effecting my credit report, the weren't able to validate the debt as mine so they closed the account and registered it as paid, although I have never given them a dime.

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 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Second complaint. Company changed numbers. I was contacted XX/XX/XXXX. Called back 3 times XXXX with no answer. They called my wife at work today threatening a lawsuit they say i owe {$1300.00} from an old HSBC credit card. I asked to please provide me a letter of explanation they got smart rude and obscene then hanged up. I have no way of communicating with them they don't answer my request for documentation. The number belongs to XXXX XXXX XXXX in an XXXX XXXX. They seem to have my last 4 digit social, name and they also know my wife first name. I honestly dont know of this debt and if it ever was true we could be talking decades. Also they keep calling themselves a law firm without explaining who they are and their number does not falls under any business. Please help!!!

Company response to consumer: Closed with explanation