vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: GA

Complaint narrative:
I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these 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
Consumer complaint received 2020-04-24 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOE/XXXX XXXX {$420.00} XXXX  XXXX {$740.00}

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 2020-04-24 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00}

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 2020-04-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX  sold the account and XXXX XXXX  took over in XX/XX/2019. I was never informed about this, XXXX XXXX never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. XXXX XXXX  took the money during the most awe full time when I could have used this to feed my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: AR

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Early morning of XX/XX/XXXX, I attempted to pay a couple of bills online with JP Morgan Chase. Chase, for an unknown reason, decided to lock my accounts preventing me to access my accounts or funds. I was told " We locked your account to protect it from suspicious activity. To unlock it, call XXXX. '' I found NOTHING suspicious about this activity. 

I called the number provided around XXXX. After an hour + wait time, the representative put me though an extensive security check. Once complete, the representative stated, " We can no go ahead and unlock your account. However, before doing so, I need you to answer ... '' Then she proceeded to ask me, who I'm paying. Fine, I understand that question. But then she asks, why am I paying them and how long have I known them. When I explained I didn't think that was her business, she said she this was JPM 's policy and she would escalate this. After about 30 more minutes on hold, I was hung up on. I attempted to call back, but have about a 45 minute hold time, I hung up. I called the executive team, and spoke with XXXX. XXXX expressed how she understood and she was going to make this an urgent case. After about 2 hours of no response, I attempted to call senior management. All phone numbers to JPM forwarded my call back to the regular customer service of a 30 to 45 minute wait. However, I did get through to XXXX XXXX. The most XXXX was able to do, was to tell me he had another call, and that I dialed the wrong number. Then he hung up on me. 

I called back the executive office to speak with another placating and useless individual named XXXX. No help. I called back again and spoke with XXXX. XXXX was o no help as well, except to state he does not know when someone will call me back. 

It is now XXXX on Friday. JPM locked my accounts, took away access to all my money, and then told me to wait around and perhaps, if I'm lucky, maybe someone will help me today. Otherwise, I can wait until Monday to have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington bank froze my account. Their rep told me it was due to too many electronic transactions and would not tell me who to contact to clear it up, if I was not allowed to use XXXX or XXXX, or what the problem was. I just paid my rent which was 3 weeks late, and Huntington was happy to confirm they received my {$750.00} direct deposit from my job with the XXXX XXXX XXXX, but that they didnt know is the check I wrote for rent yesterday would clear. My problem apparently. They gave me zero information how to fix this and said I had to wait for a letter. 

Every transaction in my account is legitimate, I am a sole proprietor business person with a TIN, vendors license, sales tax exemption forms and I file monthly sales tax reports, etc. 

The electronic transactions : The XXXX was me PAYING for goods. Im not charging that back. Theres no problems with those transactions! They are payment to a vendor I have been using for over a year. 

The XXXX transactions was ME sending ME money that I withdrew from my IRA to my other account to help deal with the pandemic and unexpected costs. Im not complaining that I sent myself money. No problem with those transactions. 

Huntington needs to fix my account, debit card and online access immediately. I was supposed to pick up groceries at XXXX today which is by appointment only which I had to cancel due to this! So now were going to starve. 

These people are causing me permanent financial harm in the middle of a National emergency over NOTHING. 


XXXX XXXX XXXX Registered with XXXX  XXXX XXXX and vendors license. 

Vendors license : XXXX, last sales reporting period sales and use tax confirmation XXXX TIN XXXX Not required to have a business checking account or a DBA due to the name of the business including XXXX. 

Also a XXXX with State of Ohio, an agency named XXXX XXXX XXXX XXXX  XXXX. 

Spouse is litigious ( see XXXX v XXXX Georgia XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: FL

Complaint narrative:
My daughter currently has a student loan with Discover which I pay for of {$44000.00}. A previous loan {$20000.00} ( estimate ) we paid off in XXXX. My daughter and I contacted Discover to refinance the existing loan which is on a variable term basis and currently at 6.5 % to a 3.7 % fixed. We completed the application with their representative and she told us that my daughter was declined. I told her fine do it with myself as a co-signer and they said she can only have a co-signer if she's approved first. We checked her score with Discover on line and it came back XXXX which is far higher than most. In addition when she took out the loan she was a student unemployed and now she is an attorney, has excellent credit & employed full time for over 3 years and they deny her. And to also say she can't refinance even offering to apply with her myself who score last I checked was XXXX seems highly suspicious! I feel that Discover is taking this action to avoid lowering the interest rate be paid. That should be highly in violation of the fair lending act. 
I have attached a copy of my daughters credit score pulled from Discover 's web site for purpose of validity. Also I've attached a copy of the Discover loan detail page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: PA

Complaint narrative:
A company going by the name of XXXX XXXX  contacted me sometime in the fall last year about a loan balance that they would be handling, I have been paying them but something seemed strange about their way of contact, I never received any mail notification, only phone calls and texts from the man listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Office : XXXX Direct : XXXX XXXX I do not see that the payments have showed up on my credit report, nor this collection agency name. So I decided to reach out to the original creditor, who provided me the information for the collection agency where the account was placed. It was a totally different agency, and I contacted them, they said they have never heard of XXXX and that the account was never sold to anyone else its been with the same agency since 2017. Now I feel that this XXXX  XXXX has been taking my money each month and it is not legitimate. I feel I have been scammed.

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 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Today XX/XX/XXXX i recieved a letter from Resurgent capital services. 
Same debt different comany and all in the name of LVNV Funding LLC. 
As in the last complaint from me filed on XX/XX/XXXX against company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX with the CFPD File XXXX. 
And again after multiple request of complete validation or any proof that i owe this bogus debt not owned by me have bin ignored and never provided of any kind in the past, sent by me by certified mail ( have the proof ) Just another fraudulant company that cant provid any proof ever. 
iI want them to stop harrassing me about this bogus debt or provid the proof at ones. 
A verification is not a complete validation. 
Collecting in behave of LVNV funding with no proof ever provided of any kind and so with any other company ( its all in the files ) makes them a complete fraud and is illegal. 
More complaint will follow with the FTC, FDCPA and legal actions will be taken under state or federal laws if the dont stop collection effords immediately. 


My complaint is against company RESURGENT CAPITAL SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX . 
Current Owner : LVNV Funding LLC Refernce ID:XXXX Balance : {$1800.00} Last Payment Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS XXXX LVNV FUNDING LLC XXXX {$750.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

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

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

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

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX {$750.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXXXXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as ofXX/XX/XXXX, it still remain on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXX 's but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX 's provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have been receiving several calls from debt collector for debt that I do not owe.

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 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
My parents took out a reverse mortgage in XXXX. My father passed away in XXXX and my mother in XXXX of XXXX. As the executor of the estate, I have been working with the servicing agent of the note holder to settle the outstanding debt on the house. I have provided all documents asked for by the servicing agent CELINK, address, by the required due dates. However, CELINK has failed to respond in writing ( except by email ) or in good faith. They have stalled and continually changed the requirements to proceed. CELINK initiated a foreclosure process in XXXX when we were trying to negotiate a sale. Through this whole process CELINK has stalled and continued to raise the price of the house. We followed every step as outlined in their paperwork. CELINK has not reciprocated. 

We would like CELINK to produce the original note of the loan and stick to the agreed price of 95 % of the appraised value, which they have not shared. Their last counter was {$100000.00} more than the value of the reverse mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
OnXX/XX/2020, I notice my social security number don't register with chase bank account.I would like for you to investigate my problem.

Company response to consumer: Closed with explanation