vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: GA

Complaint narrative:
I am a consumer filing this complaint against Equifax because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Equifax has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX  XXXX Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Equifax written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

Equifax has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: AFNI INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I was contacted by a rep for AFNI collections agency, I was told I owed a debt I told her that I didn't owe the debt on behalf of XXXX low income because I contacted them because I was moving urgently for safety reasons, the rep at XXXX on XX/XX/XXXX told me the service wasn't available in the area I was moving to. I told him well I don't need the service because the move had taking place. Any utilities at this service address was off no later than XX/XX/XXXX so this service should of been turned of completely, which shouldn't of gone into another month of billing. The rep at AFNI took the tone as I told her this as if I refused I told her I like the steps to dispute she got mad and said she was going to report it on my credit and tell XXXX not to service me again and hang up on me. I called back that day to speak with a supervisor in which I left a detailed message and online request form for dispute with my account # I haven't received any response back. This seems to be a malicious attempt to harm my credit based on the reps actions for a minor amount. I received no notices outside of the most recent AFNI because my mail was being obstructed. AFNi was calling but never left messages so on the day in question I picked up to be upset by the manner in which the rep handled my call or didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
This is the law firm attached to a debt collection attempt from XXXX. 
they are attempting to sue for an amount to XXXX that is wrongfully owed. Threat of garnishment and unreasonable payment arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Received an alert on my credit report from a collection agency. On XX/XX/21 I called the creditor ( XXXX  ) immediately regarding the bill. Being that I had automatic withdrawal with them I should not owe. XXXX didn't change my bank account information so they never took money out so I paid them directly and received an email it was paid in full on XX/XX/21. I then I called the collection agency and informed them that I paid XXXX  directly and I sent them confirmation of proof that XXXX  sent me. Collection agency said that wasn't good enough. On XX/XX/21 I called XXXX explained to them that collection agency did not except my proof of payment. So she sent me a paid invoice and we called on a conference call and spoke to XXXX XXXX and her supervisor XXXX XXXX, the Respresentive for XXXX gave supervisor ( XXXX ) all the information XXXX requested about payment and we sent over the paid invoice and XXXX said that wasn't excepted and they needed to call XXXX XXXX to confirm. We asked for the corporate number she gave us a number to her company which they do not answer. I am told by XXXX on XX/XX/21 a notification electronically was to the collection agency to remove/closeout because I paid in full to XXXX. Collection agency is reporting I still owe. I filed a dispute with XXXX and sent them proof of documents that it is paid and collection agency is sending an E-Oscar stating debt is still owed. On XX/XX/21 I called XXXX again they told me on XX/XX/21, XX/XX/21 and XXXX they sent Collection agency notification electronically that I paid bill to them directly. Collection agency said I have to pay them as of this date XX/XX/21. Collection agency is upset because I will not pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit reports and noticed I C SYSTEM INC is reporting what looks to be a fraudulent account of {$380.00} to all credit reporting agencies which are XXXX, XXXX and XXXX, i have never done business with I C SYSTEM INC and do not wish to contract or have an agreement with I C SYSTEM INC, i have never authorized I C SYSTEM INC to access my personal information or credit file such as social, DOB, address, Phone, i have never signed contracts, documents, or agreements with I C SYSTEM INC.

I contacted I C SYSTEM INC and asked them to provide me with a copy of contracts, documents, agreements, photo id, social or what ever was used to open the account with I C SYSTEM INC. so i can file a police reports. i was told by a XXXX XXXX lady that they do not need to provide anything, i said its lots of identity theft going on and i need what ever you have to file a report, she hung up on me. I called again and ask to speak with a supervisor, then another lady hung up on 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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Applied for Forebearance in XX/XX/2021- According to company it was approved although I never received formal notice. 
Contacted ShellPoint Mortgage ( mortgage holder ) XX/XX/2021 and informed them I was ready to start making payments. 
Attempted to make a partial payment and payment was rejected by the lender and money returned. Mortgage company refuses to accept any payment, They want to modify the mortgage and want to add an additional 2 percentage points to the mortgage. This is unacceptable to me, and their refusal to deal with me is illegal in my opinion. 
Mortgage holder has been changing the terms of the repayment, and not responding to proposals for 14 days or more. 
Mortgage company makes no commitment on repayment proposals claiming that 'they must submit it to investors ' Weeks go by and THEIR proposal are now rejected and they are making new demands. 
They have insisted on bank statements before they will approve repayment. 
They keep changing the terms, and I feel they are not dealing with me in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: SC

Complaint narrative:
I come today to request that the record is corrected due to errors I've seen on my credit report. I am natural person consumer pursuant 16CFR 444.1 ( d ) A natural person who seeks or acquires goods, services, or money for personal, family, or household use. I am asserting my right against the financial institutions and reporting agencies pursuant Regulation V. 12CFR 1016 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. I have not received any disclosures to opt of the sharing of my information. I have reached out to XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX to validate this alleged debt. I filed a FTC report for identity theft attached for more information. XXXX XXXX XXXX is claiming I owe a debt how if all debt or alleged debt is obligation of the United States pursuant 18USC8 The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 18 USC 8 how can one have a late payment if said law implies certificates of indebtedness is of the United States. The furnishers of this information is in direct violation of the FCRA. Pursuant 15USc 1681 c ( 2 ) a all information in connection to identity must be block within 4 days. I understand it has to be an investigation but understand that the law trumps policy. I request that the rules of the investigated report is followed pursuant 15USC1681 ( a ) e must have sources of interviews of family and friends. Further more pursuant 15USC 1681A ( 2 ) a ( iii ) I must be given a chance to direct the information whether I want the information about a transaction I had to be reported or not ( Gramm-Leach-Bliley Act ). I request all late payments are removed from my report. I request that XXXXXXXX XXXX XXXX is deleted due to my medical information being shared. I request the proper notices to opt are mailed monthly TO ME from each furnisher meaning financial institution and credit reporting agency failure to disclose such documents is direct violation of Regulation V. This information is false and misleading to anybody who sees my credit report. Banking is dependent upon the accuracy and fairness to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. I have contacted United Revenue Corp and disputed this alleged debt under the FCRA and FDCPA. As of this complaint United Revenue Corp has failed to remove the debts or provide proof and or verification of the so called debt. I did not incur this debt. It is NOT mine. I am attaching my identity theft report/ notice from the FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago on XX/XX/2021 and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. All proper indentification is enclosed and if you reject this agian I will sue you in court for non compliance, this is such a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has closed my account for no apparent reason and it was supposed to been unlocked so I can use again. Its been months and havent heard any news and still cant get in my account. Ive been a good customer and had no problems and need my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
The CBE Group reported this unlawful debt to the credit bureaus, without my knowledge, consent or authorization. I have never had cellphone services with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Today, I reached out to XXXX XXXX ( XXXX XXXX ) for better understanding of my situation in repayment. They would not help me. I was sent to a fax number. The second time I called I was placed on hold with no response. I waited. No one answered. I have submitted repayment plans which the amounts will exceed my income. No one will give me a straight answer. This includes all of my student loans. 

Part of my loans were forgiven during the time I was unemployed and waiting in retirement. Even though I was military, worked in public schools, and non profit organizations until XXXX, I was told I never qualified for loan forgiveness. Now the loan amount that was removed during those years of unemployment and homelessness ( XXXX - XXXX ) have been applied back to my account and I am now retired unable to pay what both Nelnet and Great Lakes are asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid my card off and went to use it and it was declined. I call rightfully angry cause I paid the entire balance off. They said they were reviewing the and holding it to make sure it wasnt fraudulent. I was XXXX and told them to unfreeze my card I paid it off and it was already pulled from my account. Then they closed all of my accounts says the phone call is the reason why. Thats XXXX XXXX now they hurt my credit and destroyed my chance of being able to buy the house I was getting ready to purchase. They cant just destroy peoples credit and opportunities to buy a home because someone cant provide customer service correctly. This is not right at all and they still owe me money that they havent paid me. I want my money and them to correct their mistakes immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a consumer filing this complaint against Transunion because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Transunion has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

XXXX. Account Name : XXXX XXXX XXXX GEORGIA Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Transunion written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
Transunion has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

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 2021-11-17 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: TX

Complaint narrative:
My name is XXXX XXXX and I have several items appearing on my credit report that are not mine and are the result of identity theft. The alleged debts are not mine. I am attaching a duly executed identity theft report/notice filed with the FTC. I am requesting XXXX Equifax and XXXX remove these items from my report. I have previously tried and they did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: AR

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kikoff Inc.
State: NC

Complaint narrative:
My Kikoff account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
I had {$1000.00} of Bitcoin stolen out of my coinbase account. 


I received a text saying my password was changed the morning of Sunday, XX/XX/XXXX. I did not get an email, strangely. 
When I went to sign in, my password and e-mail no longer worked, and I couldn't reset my password either. 
I called Coinbase who finally froze my account, but it was too late and my funds were stolen. Coinbase alleged that the hacker had my e-mail, my phone, AND MY XXXX AUTHENTICATOR CODES, which is the highest form of security they offer. 

However, When logged into my gmail and looked at logged-in accounts. There were no unfamiliar IPs that logged into my account. 
XXXX looked up my SIM and informed me that I have no been the victim of a sim-swap. 
And, of course, my XXXX Authenticator is on my phone and was in my pocket. 

They dismissed my case and told me I had given hackers all of my personal information. This is an impossibility considering the layers of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Someone using some of my personal information and related information was able to open a checking account and have checks issued. The reason we found out is that the checks were shipped to my home. Whoever opened the account used my name and the hypentated name of my ex-wife. I called the bank ( TD Bank ) and they told me that the matter would be investigated and the account closed if found to be fradulent. They did not provide me with any additional information nor any assurance that there would be cover for any financial loss. In adition, they advised that contacting any government agency or law enforcement would be pointless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares 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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Caliber Home Loans added a stranger 's email address to my account and sent them my payoff documents with my personal information.

Company response to consumer: Closed with explanation