vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: VA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Some time in XXXX of XXXX I received mail at an old address ( my parent 's address ) with a debit card from USAA. The card has my old name ( last name changed after getting married ). My name is very unusual and it is extremely unlikely that someone would accidentally open an account in my name, especially since it went to my parent 's address where I used to live. Early in XXXX of XXXX my parents received another letter from USAA saying the account address was being changed. We tried twice to contact USAA but end up being disconnected after waiting on hold for long periods of time bouncing between people who didn't know what to do. I am not eligible for any form of USAA account at all so it is even stranger to see one opened fraudulently in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX. 
XXXX XXXX however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from XXXX XXXX that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from Radius Global Solutions LLC informing me that XXXX XXXX has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of XXXX XXXX as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP
State: NY

Complaint narrative:
I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am the owner a small business named XXXX XXXX XXXX XXXX XXXX Over the past year I have been charged $ XXXXmonth from PNC Bank for a merchant account. When I called PNC merchant services, they can not find my business or myself in their computer system. I was told by PNC Bank merchant services that I should file an affadait with my bank ( XXXX XXXX  ) to have the money returned. I approach XXXX XXXX  and was told by the Branch manager that I needed to have something in writing from PNC bank to stop future XXXX funds removal. I told them I spoke with PNC Bank and they can not find me in their computer system and their is nothing they can do. I have called, written, and even went to local PNC Bank branch to stop this from happening to my checking account. Is there something you can do to stop this from happening and return my money? I have been messing with this for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I have contacted Shellpoinys attorney XXXX XXXX several times about them contacting me and using a 3rd party to do home inspections. XXXX XXXX even sent Shellpoint a letter telling to never contact me again no matter what. Due to Ditech bankruptcy and the illegal sale if my loan during the bankruptcy process to Shellpoint a debt collector not a mortgage company even says so in the recording when you call them. This is credito harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents it was also showing on XXXX XXXX that they report 120 days late in XX/XX/XXXX when they show opened on my account in XX/XX/21 and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. Equifax has also refused to remove Inquries that was placed on my credit report that I did not give the ok to I have sent these companies certified letter also and no response back and they are still showing on my report. XXXX XXXX, XXXX XXXX, XXXX Please remove asap off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In regards to TRANSUNION 's response to my last complaint about removing my inquiries, they stated that they'd send a letter stating why inquiries last on my consumer report for 2 years, which is completely wrong if it was a result of identity theft. According to Federal Law, the Fair Credit Reporting Act clearly states : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. Appropriate proof of my identity is listed in the attachment of this complaint, which is a photo of my social security card. 


Remove the following inquiries immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION. 


Failure to do so will be willfully noncomplying to 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting my XXXX old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per XXXX instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with XXXX XXXXXXXX XXXX acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to Experian, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my XXXX account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!

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 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Loan was completed through drive time, no paperwork received. I have been paying an extra XXXX each payment, XXXX per month to pay down sooner. Was recently told by bridgecrest that only XXXX was paid towards principle this year.. 
Asked for a breakdown and was told for each XXXX paid, XXXX was to fees and interest. 
Would like Bridgedcrest to correct the interest rate to a fair rate that gives me the ability to payoff in a timely manner. Would also like paperwork for this agreement. 

Current payment is XXXX bi weekly. 
Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
After spending almost 1/2 hour on Hold, and Speaking with 2 Representatives for Another Half an hour. I desired to speak with a Manager who after Explaining the Dilema, Very Rudely Hung up on me. 
As a Veteran and 1st Time Potential Home Buyer, I've been Shopping around for a Lender for a Potential Home, Beginning around XX/XX/XXXX until XX/XX/XXXX 3 Lenders Pulled My Credit Report, which Dropped my Credit Score OVER 100 points. I was Told by these Lenders that I can have up to 3 Pulls within a 3 week period with No adverse affect on my Credit Report. Another Lender Told me 40 Days. Trans Union Told me that it was within 14 Days. When I Contested the Fact that Not only did the Holidays slow down the Process, but at Least 2 Lenders Pinged my Report within 2 Days. I also Inquired as to Why 3 of my 3 Credit Cards Still Showed an Outstanding Balance, though the Balances had been Paid in Full for the Past Week and a Half to 2 Weeks. I Explained that it should be Obvious that the 3 Mortgage companies should be seen as 1 Ping since I was shopping for the Best Rate, Until I found that My Score had Plummeted Over 100 points in Less than a Month. The Supervisor didn't even Bother to Answer my questions then Rudely Hung up on me. As a Veteran and a Consumer, I think we Deserve Much Better than this from Not only our Credit Reporting Agencies to Keep our Information FAIR, ACCURATE and UPDATED, as a Mortgage Loan is one of the Biggest Debts a Citizen Incurs in his Life, and these things can Cost us Literally Thousands of Dollars. 

The Time Frames in Which these Lenders Viewed/ Pulled My Credit File thus was Not only Inaccurate reflections but should Not have adversely affected my score as at least XXXX were done within the specified time frame, Notwithstanding the Holidays, I think Consideration should have been Given, because of this. 

Nevertheless, My Experience with these Companies have DISGUSTED ME to the Point that I NO LONGER Want to DEAL with them, and have LOST my Very Desire to PARTICIPATE in this System as WELL as pursue my First Home Loan, as It is Not only UNFAIR they are RUDE and NOT ACCURATE. 

I've NEVER Missed a Payment, and Worked HARD for the Past Year to obtain Good Credit with a Score of approximately XXXX Only to see my Score Fall to Back to where it Started XXXX or less in LESS than 3 weeks due to 3 Inquiries? 

SOMETHING Needs to be Done about this, as WITHOUT ACCOUNTABILITY these CROOKED AGENCIES can DO WHAT they Like to ANYONE.

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 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has been reporting false information on my credit report. Please refer to the attached documents.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
We were on a Covid Forbearance plan with Flagstar due to job loss. I received monthly statements and checked their website frequently. 
I found a new job paying less and we made the decision to sell and purchase a smaller, less expensive property. 
I spoke with a Payoff Agent at Flagstar and asked if I could add the amounts I saw on my statements in order to get a rough payoff estimate. She stated I could. So I added the escrow and principal and used that as a rough idea when house hunting. 
Once we were under contract with sale of our current property and purchase of a new one we requested a payoff report. The report came in {$40000.00} higher than anticipated due to accrued interest that had not been disclosed on our monthly statements or on the website. 

I called to speak with a Payoff Agent at Flagstar and he informed me that interest still accrues while in forbearance and I should have known it was that amount. 
I was aware it accrued, however it is not listed anywhere for me to see or anticipate the amount. 

This lack of transparency has caused issues with purchasing a new home.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Midwest Loan Services, Inc.
State: FL

Complaint narrative:
I have repeatedly called loan modification and told they are not able to talk to me. Per staff, they don't correspond or talk to customers. I guess they are too good for me or anyone. I called 40 times and nobody ever answers, it's a recording that is purposely used to hang up and say email they are too busy. Just utterly unprofessional but get agitated that this is upsetting and aggravates the customer. XXXX answers but can't talk to loan mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Stay away from Synchrony Bank and its affiliates. 

This bank uses unfair and deceitful practice in its dealing with credit holders. They start by offering customers credit cards through local retailers such as XXXX XXXX. Once you make charges on your card, they adjust your credit line to much your balance. This action makes your credit usage to be at 100 %. As a result your credit score drops and they later can charge you higher interest rate on the existing balance using " Information received from Credit Bureau '' as a pretext to increase interest rate. Thus putting you in more debt and ruin your credit worthiness for their gain. This is a fraud that needs to be investigated. 

I highly recommend that people and businesses stay away from Synchrony bank.

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 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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