vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
Medicredit keeps leaving voicemails about an attempt to collect on a debt. I have never received any correspondence regarding a debt. When they leave a voicemail and it's time to state who they're calling, my name is never mentioned. In fact, there's a brief pause and then the person proceeds to say that they're trying to collect on a debt. How am I supposed to know WHOSE debt this is if you never mention who you're trying to speak to. How am I supposed to know WHAT the debt is in regards to if I've never received as much as a letter in the mail. From all I've gathered, it could be a scam call. If I owe any debts to this company, I need to see something in writing. Recorded voicemails that don't state who they're trying to contact is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just need one question answered ... that Wells Fargo is refusing to do. 

You told me that XXXX XXXX XXXX you with a delivery receipt, that I said I did not sign. You had me sent over a copy of my signature to verify the signature was not mine. It was verified not to be my signature, but you took it anyhow and threw a long standing customer under the bus. 

Why? Answer the question for once. Don't babble about fraud and hire an attorney ... you chose to accept a signature that was verified by Wells Fargo not to be mine. 
There was no thorough investigation done.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, for about a year now I have been trying to pull my Transunion credit report online on XXXX  and I have been unsuccessful. 

My Transunion credit report is not generating on the website. I also can't use the Transunion website because it says that I need to pull my credit report first in order to file a dispute. 

I have addressed this issue tons of times through email, and telephone but I am still not able to get it. If I go to apply for credit, the creditor can't obtain my Transunion credit report.

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Comenity is blocking XXXX  from removing a fraudulent account after receiving disputes with a police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CITIBANK, N.A.
State: CT

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft CITI Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is 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 explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I tried to temporarily lift the freeze on my credit report at Experian.com. Trying to retrieve my PIN online did not work and the account froze or something as I keep getting a message to send them a letter. I don't have time to do that as I'm in the middle of trying to refinance my home and every day 's delay can potentially cost me. There is evidently no way to talk to a human and their bot is pretty stupid. What else can I do?

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 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On multiple occasions during the past 45 days I have filed two disputes of XXXX accounts with TransUnion reporting agencies and they havent been updated. There six accounts reflected as derogatory from XXXX. These accounts have reached the seven-7 year retention schedule and need to be removed immediately

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 2021-06-07 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: CA

Complaint narrative:
XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX inquiry XXXX I was informed by my XXXX XXXX XXXX XXXX of the numerous inquiries which lowered my borrowing power with XXXX. I was asking for a loan with my credit union and because of these inquiries, that I did not initiate or give permission to do, I was turned down for the amount of the original loan I applied for. 

XXXX ( XXXX XXXX XXXX ) was never an application for credit made by me. ( I only shop at XXXX XXXX! ) XXXX XXXX - I was informed by my credit union that it is a home repair company. NEVER would I make a loan for home improvements - now or ever! 

XXXX XXXX XXXX - I did not make credit application for this credit company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: CA

Complaint narrative:
Complaint # 1 - Merchants & professional Collection Bureau ( " the Company '' ) continues to close complaints opened against it, falsely alleging they are duplicates of a complaint they have already responded to, even though they have been repeatedly advised otherwise. By doing this, the company is engaging in an abusive, unfair, or deceptive practice, and is there for violating the Fair Debt Collection Practices Act ( FDCPA ). THIS IS NOT A DUPLICATE COMPLAINT. YOU MUST TAKE ACTION AND PROVIDE A RESPONSE. Complaint # 2 ( AGAIN, NOT A DUPLICATE. THE COMPANY HAS NOT RESPONDED TO THIS COMPLAINT. CLOSING THIS COMPLAINT BY FALSELY ALLEGING IT TO BE A DUPLICATE WILL RESULT IN LEGAL ACTION BEING TAKEN AGAINST THE COMPANY. ) Merchants and professionals collections has reported to all 3 credit bureaus that I have a debt in collection, but I have never done business with them or the original creditor, nor have either ever contacted me about the alleged debt ( which can be confirmed in their response to a recent complaint against XXXX, which the company erroneously responded to and stated " MrXXXX XXXX has never contacted us regarding the account in question. '' That Complaint # is XXXX. ) Since they have not contacted me they have also made No attempt to validate the debt or provide me the opportunity to dispute its accuracy, both of which are required by Federal Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These accounts do not belong to me, please remove them from the 3 credit bureaus.

Please see negative accounts which I want removed from my credit report.

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax mortgage XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered that my credit report or score has not been updating on my end since XXXX. I called Experian Friday and the representative advised me to call Monday when someone could handle my situation. He did not even try to figure out what my issue was. He told me no supervisor was available and I have to call Monday even though the app says they are open on weekends. I called again today and each of the reps were rude to me aside from transferring me 6 times. All I wanted was to know why my credit has not been updating. This is unfair to have your life dangle at the hands of people who could care less. This is disgusting because I as a consumer have no alternative and I am needing accurate information to take further steps in life. Experian has held my life up instead of being a decent company and having reps to actually do a job. I called XXXX  and received stellar customer service as well as guidance on how to fix my issue in less than 4 minutes.

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 2021-06-08 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: DriveTime
State: CA

Complaint narrative:
I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX DT Credit. -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX -- -- - Dispute letters were sent out XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

Inquiry date : XXXX XXXX, XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XXXX XXXX, XXXX and XXXX XXXX XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XXXX XXXX, XXXX Net Credit -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, 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 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I received notice in the mail to my new address from a company named RBC on XXXX XXXX, XXXX saying my husband and I owed our previous landlord {$4500.00}. We sent a letter by mail on XXXX XXXX, XXXX by certified mail requesting they needed to verify this debt. They sent a letter back with copies of our old lease dated from XXXX to XXXX. and an itemized list of what the money was supposedly spent towards with old landlord 's information on the bottom, no other information. We just received another letter stated we needed to start monthly payments for this debt but we have not lived there in over a year. We didn't owe anything and he took our last month 's rent to the eviction court. We didn't even know we were evicted. We just saw the eviction on our record after receiving this letter. We are unsure what is going on or how to fix this man from trying to tarnish our credit and records with false information. We left because he told us he didn't want our rent anymore we received a three-day notice and moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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:
Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA.

Equifax is the only Consumer Reporting Agency reporting the Invitations Homes account on my consumer report. XXXX and XXXX  has both removed this account from my consumer report. I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
After 11 years with XXXX, they transferred my loan to Carrington Mortgage Services on XX/XX/XXXX. XXXX services my loan from XXXX. In those 11 years, I was late only 2 times in XXXX. I received a letter from XXXX dated XX/XX/XXXX informing me that they were canceling the MPI requirement on my loan and beginning XX/XX/XXXX my monthly mortgage payment would {$1000.00}. They also performed the last escrow analysis on XX/XX/XXXX, right before the transfer. In that analysis ; my monthly payment went from {$1000.00} to {$1000.00} - a {$53.00} per month savings for me. Lastly, during those 11 years, XXXX performed an escrow on my loan ONE time per year. 

Now that Carrington is servicing my loan, I am so afraid of losing my home. They performed 3 " Annual '' escrow analyses XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; my payment went from {$1000.00} to {$1100.00} in one year - {$100.00} more! 
XX/XX/XXXX - it went from {$1000.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} This is more than I was paying prior to the MPI being removed. In addition, Carrington is NOT showing the XX/XX/XXXX Escrow Analysis in my document history. And on XX/XX/XXXX I sent them an email asking why they performed so many escrow analyses when they had only been the servicer of my loan for 1 year ; they DID NOT respond. 

I bought my home in XXXX. Initially, I had an adjustable-rate for a couple of years, but when XXXX XXXX became the servicer in XXXX I changed to a 30-year fixed-rate, my home would be paid off in XXXX. Carrington has my maturity date listed as XXXX/XXXX/XXXX - 8 additional years. 

Currently, I am in XXXX forbearance, but want to refinance my home when it ends. Carrington is the 4th servicer ( XXXX XXXX Mortgage was the first ) and my loan payment has NEVER adjusted 3 times in one year. At this rate, I am afaid that I will not be able to afford my home ; I do NOT want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX. -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX -- -- - Dispute letters were sent out XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Inquiry date : XX/XX/XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XX/XX/XXXX and XX/XX/XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XX/XX/XXXX Net Credit -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Suppose to close hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Suppose to close hard inquiries

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