vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXXXXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SC

Complaint narrative:
I have been a victim of fraud. I have sent in disputes via mail to the bureaus and they have not responded in the manner they should. I am in fact submitting this dispute, no one is helping or acting on my behalf. I need this fraudulent information removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
ASSETCARE is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
Received notice at a previous address that a credit account was created by XXXX under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told XXXX was not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Received notice at a previous address that a credit account was created by PayPal under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told PayPal was not mine.

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 2021-03-05 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: OH

Complaint narrative:
Hi i tcheck my score credit in my bank and i found report from Experian that i didnt pay XXXX $ and i know from that cz i have no idea about that and i dont know that charge from what

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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX XX/XX/2021 a {$1.00} Authorization posted against my PayPal account balance, supposedly by XXXX. Today is XXXX XXXX and I still can't get this removed. Almost every day since this appeared I have sent hours and hours on hold waiting to talk to agents and managers or waiting online for their Message Center agents to respond. They all seem to be centered outside of the US and English is clearly NOT their primary language. I repeat the same story over and over to each and they just don't get it. There Message Center response time averages 9 hours each time I post a response yo their response ( no of this is real time ) and their phone queue wait time is averaging 2 hours! So this is consuming my life.They tell me I must get the merchant to remove the charge, but XXXX has assured me the charge is not from them and have given me screenshots that confirm that. However, PayPal won't take my word for it, won't accept the screenshots as proof, or contact XXXX to confirm. They are not willing to admit its a platform error on their part or allow me to submit an online dispute to treat the charge as fraudulent. HELP! I need this charge cleared so I can close my PayPal account. 
They had previously advised I must delete my current account and create a new one due to Technical irregularities on their platform that prevent me from making transfers out of my PayPal account to my linked external account with XXXX XXXX XXXX XXXX ( another case of fraudulent activity as they hold my money as long as possible to gain interest ) .Their Escalations department stated that they had no intention of attempting a 'fix ' of my issue as they are calling the bug a security " feature '' for my protection sonehow?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
THERE WAS NO XXXX XXXX XXXX. 

A XXXX XXXX XXXX was paid and released in XXXX. The balance was transferred to XXXX. 

XXXX was added to the XXXX XXXX loan in XXXX. 

XXXX and XXXX were both paid off separately in XXXX. XXXX XXXX paid off both mortgages. The XXXX XXXX 2nd mortgage paid off the XXXX loan with {$34000.00} taken from the second mortgage along with {$44000.00} to various credit cards.-including {$7000.00} to XXXX XXXX credit card. 

XXXX was paid and released in XXXX. 
The XXXX XXXX second mortgage was paid and released in XXXX. 

The XXXX  XXXX first mortgage was paid but NOT released until XX/XX/XXXX after FDIC gave power of attorney to XXXX to release the mortgage transferred twice by XXXX and XXXX XXXX XXXX. This was done promptly but with no date of the payoff We have contacted both FDIC and XXXX. That I need the exact actual date the XXXX XXXX first mortgage on my house was paid from the payments made. 

This is extremely important as XXXX XXXX has {$350000.00} of my proceeds from the sale of my house for a loan I already paid. 

Everyone is aware of this but nothing has been done. I am days away from paying a penalty for the money I had to take from my retirement account to move into the new house. 

I want this investigated and I WANT A CHECK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus. XXXX has already removed the account because of the violations and inaccuracies of which they have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor Advocates Inc
State: IA

Complaint narrative:
XX/XX/XXXX a letter was received by me from a collection agency claiming I owe an alleged debt of {$1700.00}. The name of this collection agency is " Creditor Advocates Inc '' and is licensed in Minnesota, and Wisconsin, while I have never lived in either state and have resided in Iowa for the past 5 years. I responded to the letter in about a week in compliance with the FDCPA. In response to this letter I request for verification and validation of the alleged debt per the FDCPA. Creditor advocates Inc failed to respond within 30 days to my request for validation of debt. Creditor Advocates Inc failure to respond to request is taken as this debt is false. 
On XX/XX/XXXX, I received a letter from attorney XXXX XXXX XXXX. This attorney is located in Iowa and licensed in Minnesota, Illinois, and Colorado. This letter was sent on behalf of Creditor Advocates Inc. This letter, sent seeks to intimidate, by being sent from an attorney, and requested the same alleged debt of {$1700.00} from XXXX, that Creditor Advocate Inc failed to respond to when I requested validation of this debt. 
Over two years has elapsed and Creditor Advocate Inc has failed to validate the alleged debt and respond within the requested time. Creditor Advocates Inc continues to contact me with the demand of payment. This companys continued contact is harassment, and has cost me time with my family for response, money, and stress. This continued contact is harassment, is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
Sir/Madam : I had requested & was provided a FHA Partial Claim. I signed & had notarized, and returned the Claim as required. Home Point Financial then had it legitimately recorded by my County of residence in XX/XX/2020 ( see attached FHA Partial Claim PDF ) Now I am being told that Home Point Financial did not follow through with the Lien Holder, HUD and it's apparent they received no money in exchange for covering the 3 deferred payments I was granted. 

I was not informed of their reckless actions by Home Point Financial themselves, but by the new mortgage servicer, XXXX Mortgage, who was never informed by Home Point Financial of the recorded Partial Claim. 

Home Point Financial should either : A ) Request the Lien be removed by the XXXX County recorder, or B ) Follow through with what was already agreed to in writing & remit monies to the new Mortgage Servicer, XXXX Mortgage. 

I strongly believe this matter should be taken very seriously. Filing a Lien, even though it was requested by the borrower, and never finishing the process, yet having it recorded by the County as a legitimate Lien institutes fraud on their behalf. 

Please forward this complaint to their respective department for a quick resolution. 

Thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting of invalid information, fraudulent reporting of information or reporting of information I believe is due to identity theft.I have no knowledge of how the misinformation stemming from the above came about to be.I have not authorized misuse of my personal, financial, or any information.I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required metro 2 426-character P6 statement, 5 part personal identifiers and all alpha numeric and/or alphanumeric source codes and delete/block permanently the reporting of any. XXXX is reporting me late on my Student loan ( ACCT # XXXX ) stating they have checked with the Department of Education ( without proof ) and they have confirmed that I was supposed to be late on XX/XX/2018. This is inaccurate information being reported on my credit report because when I could not pay my student loan bill, I have always asked for time to pay and I was always granted that time by DEPT OF EDUCATION/XXXX. As for XXXX, They have not provided me with how they ran their investigation. They just sent me documentation stating it was verified and so was equifax. HOW? So i went on and file a complaint with the FTC for some of the items I was not familiar with for I believe someone might have obtained my personal Information and has been destroying my credit as if I did not already have issues with these credit bureaus being passive with my financial livelihood. My next step, is to file a complaint with the Attorney General 's office if they do not remove these ERRONEOUS information off my credit report. EQUIFAX has 2 inquiries they are stating to have been investigating with this as unsatisfactory result, and I'll quote : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY FOR ACCT # XXXX XXXX, AND XXXX XXXX XXXX XXXX. I have not authorized anyone to go search for a mortgage on my behalf for I am educated and understand that my credit score isn't where it needs to be in order for me to purchase a home. AGAIN, I have never authorized any loan officer or lender to pull my credit at least to my knowledge. I am not shopping for house at this very moment or earlier either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hello, I have Money Network debit card, this card is where I get direct deposit from work, the day I received my direct deposit I got 2 notifications via email this was from Money Network, so I open the email 2 transactions for {$XXXX} each made in XXXX ATM in XXXX, CA, at thT point I was working in XXXX XXXX, CA I called right away to Money Network they canceled my card and send me a new card, they said that a dispute was filed so I was waiting to get my money back, in the end of the day Money Network sent me a dispute letter where saying that they denied my claim and my file was closed, so I didn't get my money back and there was no investigation from their side, what can I do now? {$600.00} total! I need my money back, so sad I have bills to pay, I need the money, my money that is not fair, bad company Money Network just trash company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$75.00}

Company response to consumer: Closed with explanation