vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. Equifax is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. XXXX is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.

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 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from XXXX XXXX and was fraudulently opened. The collection company suing me is Hunt and Henriques. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe Hunt and Henriques and XXXX XXXX are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I purchased a XXXX  XXXX XXXX and got a loan threw Santander with an extreme bought interest rate 26 percent. The car had XXXX mille on it when I purchased it at XXXX miles the motor looked up and I had to have a replacement. The notes were XXXX $ a month even though The car did not work i still paid. After i had The motor replaced XXXX miles later the car transmission went out. I was still paying never late. When the transmission went out i gave up and let XXXX have it back i am a single parent, with a non running vehicle i was paying an outragious note on. I turned the vehicle in and quit paying. 
Santander knew i could not afford the vehicle yet they knew i was disperate and sold to me at high interest which should be illegal. I would like the XXXX $ on my credit for the lemon taken off please. I would of kept paying on it if it ran, or Santander would of lowered my interest rate. 
Please take this into consideration. Santander is committing price gouging when it comes to people who they know can not afford there interest. XXXX, disperate people who need transpertaion. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from Capital One and was fraudulently opened. The collection company suing me is XXXX XXXX XXXX. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe XXXX XXXX XXXX and Capital One are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I feel like Citibank customer service ain't really helping me out with my account. they always got an excuse for everything. Sometimes they contradict there own terms.

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 2021-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Someone use my identity to retrieve a payday loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
My name is XXXX XXXX born XXXX and I am a victim of identity theft. Please see the FTC report for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Chime Financial Inc
State: NC

Complaint narrative:
I had Chime card for over 2 years. I applied for a loan for my business it was a XXXX LOAN I received XXXX and it was working the all of a sudden they ( Chime ) closed my account with XXXX still in my savings. I called Chime and they wont tell me any info besides I broke a compliance with Chimes regulations but Im not sure how when I was Doing the same exact payments since I have had the card the past 2 years! All of sudden they close my account and say they will mail me a Check if I had money on there! But I did I had XXXX in the savings this was to help me pay my business and employees!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
as previously notified, i am a victim of identity theft, the fraudulent items are still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Phoenix Financial Services LLC
State: AL

Complaint narrative:
I didnt find out that my identity had been stolen until XXXX of XXXX, it was stolen in XXXX. The person was caught using my identity and is now in XXXX for numerous other crimes. 

I contacted Phoenix financial over a week ago and theyve yet to remove this fraudulent account. Please have them to remove this immediately. I also have the police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, born XXXX  and I am a victim of identity theft. There are duplicate credit cards in my name that I did not authorize

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a problem with PayPal and it's use of my credit cards on their platform and was forced to close my Paypal user account. It also had the wrong email address and did not have a way for me to correct it. Since then for over 1 year I have not been able to log on to my Syncrony bank credit card app because they claim it is forever linked to my PayPal online payment account, even with a newly corrected email and PayPal account they claim that there is no way for me to login and check any transactions on my Syncrony Bank issued credit card, I have no way to check purchase history of my credit card, nor have I received any paper statements.

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 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
I just went back to work, and a debt was sent to Louisiana Recovery to collect said debt. Theyve repeatedly called my phone after I ask them not to, and they have used abusive language and ive asked them to cease further phone calls. They told me they will keep calling until I pay my debt. Then 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 2021-05-17 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: ID Analytics, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, born XXXX and I am a victim of identity theft. There are duplicate credit cards in my name that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX my date of birth is XXXX  and I am a victim of identity theft. There are multiple fraudulent credit cards showing on my credit report that I didnt apply for

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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
After reviewing my credit reports on XX/XX/2021 on XXXX  and XXXX  I noticed that a company by the name of LVNV Funding LLC is reporting that I owe an account to them with a balance of {$210.00}. I have never held an account with such company and this balance is the result of fraud. I am asking that LVNV remove this listing from my credit reports immediately upon conducting an proper investigation. I have no recollection of this account or any other accounts associated with this debt. My identity was stolen a couple years back and this account appears to be the result of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Someone use my identity to retrieve a XXXX loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. The account that you have listed on my credit files, are the result of identity theft and should be removed from my credit file as soon as possible. Please be advised that you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. XXXX currently is reporting inaccurate accounts to my credit report, these accounts should be removed from my credit file as soon as possible. 

I have attached my police report and well as FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MD

Complaint narrative:
I am a victim of identity theft and I have submitted notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: WA

Complaint narrative:
In XX/XX/2021, the company electronically withdrew 2 payments ( {$4500.00} ) directly from my bank account, but credited only one payment ( {$2300.00} ) to me. It has been over 90 days since. I spent several hours on the phone with their representatives, who are only able to take messages, or report back to me the ( non ) status, none of them are able to actually issue the refund themselves. I escalated the issue all the way to their main complaint line who first asked for an additional 30 days to investigate. They have now gone past 30 days, the latest is they can only offer an indefinite ETA which to me means they have eaten up my money. As a customer, it is unacceptable that a mortgage company have accounting systems so poor that it should take over 90 days to trace customers funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation