vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed XXXX  XXXX  Experian & other third parties like XXXX XXXX  regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX XXXX XXXX ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts

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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Since XX/XX/2020, I have been unemployed. I lost my job due to the pandemic which has caused me to default on my loan. At this time I am not in a financial position to qualify to modify my loan, nor do I have the funds to reinstate the default. I have been trying my best to apply for a loan modification with my servicer but I do not make enough money for them to approve it. I have a XXXX  son that I care for on my own and I just need more time to get through the process of selling the home so that I can get this resolved. I have submitted a short sale application, which is what the mortgage lender offered to me, now I just need them to halt the foreclosure sale so that I can complete the process. I am struggling to make ends meet and do not want to be kicked out on the street with my son the same month that he is scheduled to go back to school. I am pleading for someone to help me reach out to Fay Servicing to request a postponement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
This company keeps calling me for a credit card debt and I have never had this consumer credit card in my life. They said they are filing against me at the courthouse, they told me to stop being a deadbeat and running away from my responsibilities and just pay the debt. They refuse to give me the dates of any transactions. I am XXXX XXXX XXXX and this is making me very upset. They call everyday non stop!

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 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
For about two month now I have been calling H & R accounts located in XXXX XXXX IL. I have continuously called multiple times in regards to an itemized letter Of each service I am being collected for. The first time I called they said it would take about two weeks and nothing I called again they said it usually takes more than two weeks nothing its been more than two months and I havent received an itemized letter of the medical debt that I owe. If they can not provide this information to me then why am I being held for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE A 30 DAY LATE PAYMENT THAT IS WRONG I MAILED LETTERS IN TO THE CREDIT BUREAUS BUT NEVER HEARD BACK FROM THEM

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 2021-07-29 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  listed my account as being delinquent and threatened me with foreclosure, XXXX sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a XXXX XXXX Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that XXXX XXXX  made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by XXXX XXXX  's INCORRECT listing of my mortgage payments. After further consideration I realized that XXXX XXXX  's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of XXXX XXXX  and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my Auto Insurance has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by XXXX XXXX. If XXXX XXXX  would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from XXXX XXXX  stating that the discrepancy was a result of XXXX XXXX  and that any and all negative information put out by XXXX XXXX  would be corrected by XXXX XXXX  and any and all negative information created by XXXX XXXX  would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by XXXX XXXX. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX. I am writing this complaint in regards to my credit report. This morning ( XX/XX/2021 ) I ran my credit report and saw that I was an Authorized user on an account with a high balance. The Balance on this account was {$9400.00}. However, the only card I am authorized on is under XXXX XXXX and has no Balance on his account. The card that I am authorized on is XXXX whose primary holder is XXXX XXXX and currently has no balance. I was contacting you in order to figure out why the balance on my credit report is {$9400.00} when my father doesn't have a balance. Or if I was authorized under someones account without my knowledge or consent.

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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC
State: MN

Complaint narrative:
Account Name : PERSONIFY  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
Hi, my name is XXXX XXXX. I am writing this complaint in regards to my credit report. This morning ( XX/XX/2021 ) I ran my credit report and saw that I was an Authorized user on an account with a high balance. The Balance on this account was {$9400.00}. However, the only card I am authorized on is under XXXX XXXX and has no Balance on his account. The card that I am authorized on is XXXX whose primary holder is XXXX XXXX and currently has no balance. I was contacting you in order to figure out why the balance on my credit report is {$9400.00} when my father doesn't have a balance. Or if I was authorized under someones account without my knowledge or consent.

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 2021-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: MA

Complaint narrative:
Because of a system glitch, my student loan provider executed an unauthorized payment against my student loan a whole week prior to my scheduled auto payment. As a result, my bank account was overdrawn and I incurred fees. I tried to get compensated for the fees and the servicer is requesting documents like bank statements showing the problem which are documents that can only be prepared on a monthly basis. I already sent a screenshot showing the payment made to them and corresponding charge. Because the snip can not include my name or bank information they are refusing to issue any kind of payment to make up for these fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to 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 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My vehicle was impounded XX/XX/XXXX held as evidence for a year. I obtained my vehicle back from the impound damaged in XX/XX/XXXX. As of now I cant register my vehicle because the finance company took possession of the vehicle since XXXX without my knowledge. The DMV provided me with this information in XX/XX/XXXX. Since then Ive been reaching out to the finance company for them to provide me with a updated title along with a permission letter so I can register the vehicle. Ive had possession of the vehicle since it was released to me. I dont know why the finance company is stalling giving me the run arounds and Ive called 5 times regarding this matter and all I keep hearing is that the vehicle has been repossessed, then I tell them I have the vehicle. Then I hear its going to take 10-15 business days. Then I hear your just going to have to wait there isnt anything they can do. No help from the finance company NMAC ( NISSAN MOTOR ACCEPTANCE CORPORATION ) when it comes to this matter plus I wasnt notified at all by the company when they supposedly took back possession of the vehicle that I have in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
Disputed these inquiries on my file with XXXX XXXX & Experian. I have sent out mail & called them numerous amounts of time. I have gave them more than enough time like 45 days I have been waiting for a response so now please remove this off my report I have no accounts or anything pertaining to these inquiries so why are they here man!

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 2021-07-29 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: MI

Complaint narrative:
Disputed these inquiries on my file with XXXX  XXXX  & Experian. I have sent out mail & called them numerous amounts of time. I have gave them more than enough time like 45 days I have been waiting for a response so now please remove this off my report I have no accounts or anything pertaining to these inquiries so why are they here man!

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 2021-07-29 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: NY

Complaint narrative:
After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Information Management Corporation
State: WY

Complaint narrative:
Collection agency claims that I signed a promise note ( which I did not ) on XXXX. They also claim that I came to their business & personally made 2 payments ( 1 on XXXX & the other on XXXX ). I had/have never been to the agency & up until XXXX, I had never seen this person before a day in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I discovered a whole bunch of charges to some company I've never heard of before. 

I disputed these charges with sofi using there online dispute option, and followed up by phone call the next morning ( since they're call center was closed when I initially discovered the charges ) and also because their dispute system only allowed for 3-4 disputes and there was many many more charges than their max. 

When I called, I was told not to worry, they would send me a new card, and investigate the charges, and that I'd be fully credited for the fraudulent charges Then just a few days later, we'll before I received the replacement card in the mail, Somehow my card began receiving charges once again! I hadn't even received or activated the replacement card, yet somehow my account was experiencing large and numerous charges to this same XXXX XXXX 

The dispute I filed from the first card came back, and I was shocked to see that all of the transactions were " determined to be authorized ''. 

All the transactions except for 1, which was approved, and credited back to my card. 

So why would you credit me for the 1 transaction, but deny the rest, all from the same merchant??? 

I DID NOT MAKE THESE CHARGES, NOR DO I HAVE ANY KNOWLEDGE OF THESE CHARGES THESE CHARGES ARE TOTALLY FRAUDULENT AND I DONT UNDERSTAND HOW THEY AQUIRED THE NEW CARD NUMBER AND MORE THAN YOU DO. 

WHAT I DO KNOW IS THAT I HAD NO INVOLVMENT WITH THE CHARGES, YOU CREDITED ME FOR ONE BUT DENIED THE REST! 

WHY??? 

PLEASE HELP ME TO GET ME MONEY BACK, WHAT DO I HAVE TO DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
Tired of having to keep disputing inaccurate information after 40 days. A computer generated system response is not acceptable I have contacted creditors & bureaus trying to solve this issue. & Im not waiting no longer you keep letting these people go against the law. I see the problem is not going to be solve until I get a lawyer. 

XXXX  XXXX XXXX XXXX  XXXX **** 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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Filed a dispute with Experian in XXXX and they never contacted me about the results and it defitiantely took longer than 30 days. When trying to file another dispute they would not allow me because I already had one 2 years ago. XXXX had already corrected the dispute and I can't understand why the others haven't. The disput is against XXXX XXXX. It involves a federal Declared disaster XXXX XXXX Hurricane Florence.Had to evacuate in order to survive and the apt was unhabitable for many months afterwards. They received insurance for the damage. If they didn't it was their own fault if they didn't have any. XXXX lost all her personal belongings. It bothers me because the credit agencies take others at their word and can put anything on your credit report and it cost a consumer money as well as agrivation to try and get it straight. This is not right. A consumer should be able to sue credit agencies and they should be held accountable for investigating things in a timely manner and getting back in touch with the consumer.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: TX

Complaint narrative:
United Resource Systems , Inc. ( XXXX XXXX ) is a fraudulent company that I obtained employment with in 2015. Upon my departure which is well within my rights because Texas is a Right to Work state. The company stated above accused me of not returning all items which I handed all equipment to my Supervisor and was then cleared for all inventory. This is not a debt that I owe but unfortunately a case of bad and mismanagement. 

Im asking for this item to be removed from my credit report. This is not my debt nor has it ever been mine.

Company response to consumer: Closed with explanation