vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now

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 2022-03-16 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this XXXX XXXXXXXX n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a statement in the mail from the Children 's Place about XX/XX/XXXX or XX/XX/XXXX with a charge of {$990.00} on an account I never opened. XXXX is working on the issue but requested I file a complaint. My local police would not let me file an incident report. This was the next step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OZK
State: TX

Complaint narrative:
In XX/XX/XXXX, My wife and I submitted an application to the Bank of Ozark in XXXX XXXX for a refinance of a commercial income property, along with a copy of our XXXX tax return, rent roll, and lease agreement of property to be refinanced. Sometime in XXXX, We were told over the phone that our refinance request was approved and that they would order an appraisal of the property upon receipt of a signed lease agreement on the property being refinanced. We submitted the signed lease agreement XX/XX/XXXX. On XX/XX/XXXX, we received a call from loan officer XXXX, and he said that the bank need us to verify our bank accounts ( Verifications of Liquidity ) by submitting copies of our statements. I told him that we never had to verify accounts with any other bank in past dealings, and I asked if other customers were required to do the same, and that I think we are being treated different than other customers are being treated. He ask was I refusing and I said yes. I didn't hear back from him until I contacted him on XXXX the XXXX, XXXX to inform him that we haven't receive a letter of credit denial, and he stated that they didn't deny us the refinance, he said that he assumed we withdrew our application. I told him that we have not withdraw the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to XXXX5 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''

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 2022-03-16 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: CA

Complaint narrative:
Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received as a gift a {$XXXX} gift card purchased by a friend a XXXX on XX/XX/21. It is a Visa card that indicates it is issued by XXXXXXXX XXXX and the card is serviced by InComm Financial Services , Inc. https : //www.incomm.com/industries/financial-services/ I activated the card on XX/XX/21 and when I attempted to use it, the card had already been used at a XXXX  store in XXXX XXXX XXXX CA on XX/XX/21. I did not make these purchases. 

I contacted InComm per the phone number on the card XXXX and after several attempts and long holds they created case # XXXX. They sent me a dispute form, which I completed and returned to them via email ( giftdisputes@incomm.com ) on XX/XX/21. It is attached along with a balance summary I printed from the vanillagift.com website. Note the form has no contact information anywhere on it. 

They acknowledged receipt the same day and have not responded to numerous emails for a status since then. There email lists Dispute Resolution Team, XXXX XXXX XXXX, XXXX, GA XXXX. 

I called today and was advised that my previous dispute form was not processed and that I would have to file a dispute form again and they would email me the form within 10 days, new case # XXXX. 

This has been pending with no resolution for almost 90 days and it is not clear why my first form can not be processed. I have the gift card in my possession. 

This company is very hard to reach, unresponsive and owes me {XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Monday, XX/XX/XXXX I received a letter from XXXX stating that they will be closing my business account and that I have until XX/XX/XXXX to make arrangements to transfer funds, etc. I called the corporate office and no one could tell me a reason as to why they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NV

Complaint narrative:
I have received 2 collection letters from Linebarger Goggan Blair & Sampson LLC for a for a traffic violation out of XXXX XXXX Florida dated XX/XX/XXXX for {$230.00}. 

I am not the person named in the account, though I have a similar first name and the same middle and last name. Additionally I have not been to Florida since XXXX and have never received a traffic violation there, let alone in XXXX of XXXX. 

I have attempted to call their number and been on their website multiple times over the last 2 months and there are no options to speak to someone or notify them that they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
Equifax supplied my Credit Report to an attorney, XXXX XXXX, who had no authorization to request and Equifax had no authorization to provide in the 1990 's. 
I have filed this complaint before and Equifax does not respond nor take any responsibility for the illegal breach of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: GA

Complaint narrative:
XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.

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 2022-03-16 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: GA

Complaint narrative:
XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: KS

Complaint narrative:
I'm trying to refinance my primary home mortgage. I'm a co-borrower on a loan that my brother has on a house and the loan is being reported in my credit report. In order to finish my primary home refinancing, the bank that I'm trying to refinance my primary home loan ( XXXX XXXX XXXX XXXX ) requires that the Bank Popular de Puerto Rico ( I'm a co-borrower ) send them the last bank statements. Banco Popular de Puerto Rico has refused to send the bank statements ( estado de cuentas ). 

XXXX XXXX XXXX XXXX  personnel, the XXXX XXXX verification agency and myself have been asking to the Banco Popular for loan statements since XX/XX/XXXX and up to yesterday XX/XX/XXXX, but the bank refuses. Since I'm a co-borrower and that the loan appear in my credit report agencies, I believe that by US federal law I'm supposed to obtain the loan bank statements. My primary home refinancing bank ( XXXX XXXX XXXX  ) has approved the loan with the condition that Banco Popular send the loan bank statements that is appearing in my credit report. I have written XXXX disputes with the credit report bureaus, but the banco Popular refuses to provide the bank statements. I believe that they are violating my right to refinance my primary home and they should be held accountable for it. 

I just would like the Banco Popular to send the bank statements to myself or to XXXX  XXXX XXXX XXXX  so they can proceed with the approval of my primary home refinance loan. I have tried several times and I have called the banco Popular, but I get nowhere with the case. Please help me to resolve this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
Equifax has issued Credit Reports for my SS # under the incorrect name of XXXX XXXX XXXX since the XXXX 's and after my repeated requests, has not corrected their misinformation. 
Therefore, I mailed a request to the company to include on the Credit Report for XXXX XXXX XXXX statement : Re : Social Security # XXXX Equifax erroneously lists XXXX XXXX on Credit Reports it issues regarding the Social Security Number XXXX as the name of the holder of this SS #. The true holder of this SS # is XXXX XXXX XXXX, aka, XXXX XXXX XXXX, XXXX. 
Since the XXXX 's Equifax has been reporting for this SS # the erroneous name XXXX XXXX and also accompanying erroneous credit information, despite requests that this information be corrected. 
There is no one in the SS # holders family by the name of XXXX XXXX, and no such person or entity is known by the SS # s holder. 
However, you can fully rely on the credit information of this SS # provided by the companies XXXX and XXXX whose information and data is up-to date and accurate. 
I am writing the CFPB to insure that Equifax complies with my legal right to have my statement added to my SS # 's Credit Report. 
I would also like noted that Equifaxs reporting this incorrect information and not correcting it is another instance of the companys incompetence, flagrantly demonstrated by its data breach in XXXX of the personal information of XXXX XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: NC

Complaint narrative:
Athas Capital Group Inc. is advertising Business Purpose - DSCR loans on its Website to the public. My family would like to purchase a condotel in XXXX XXXX, SC ( note, a condotel is the same as a condo accept condotel units offer Hotel style short-term rentals ). Athas Cap advertises the type of business loan I need. This is why I chose Athas Cap.

My complaint is twofold concerning two properties. My 1st complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. I went under escrow after I received Conditional Approval from Athas Cap. This property has since fallen out of escrow because Athas Cap failed to secure my loan. All that was left was to receive Clear to Close from Athas ' Underwriter ( s ) and upon receiving XXXX my Athas Cap Account Executive, XXXX XXXX, would notify my Title Company, XXXX XXXX, of the Clear to Close so then XXXX XXXX could schedule a Closing Date. The continuous promises by XXXX XXXX and Athas Cap went on for days, which turned into weeks, which has turned into months. The Seller provided extension after extension. It became well known amongst XXXX XXXX XXXX that XXXX XXXX was failing to provide loans as advertised. My understanding from an XXXX I know well is that, of his 12 loans, Athas Cap has only funded 1 out of 12. All others fell out of escrow, including his own, for failure to acquire the necessary funding. Each of these consumers, including my family, have lost our properties because Athas Cap falsely advertises a product to the public which they fail to provide. 

My 2nd complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. This complaint is similar to above accept that I am still under escrow for the property. I fear losing this property because of Athas Cap. I request that Athas Cap either provide DSCR - Business Loans like they advertise or they are audited to find out why. If Athas Cap is found to be out of compliance then shut them down. Athas Cap does not serve the public 's best interest, erodes consumer confidence, and has negatively affected many homebuyers in the worst way possible -- not providing what it advertises it will do -- to the point where families lose their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have never done business with these people. With HPPA laws, if it was someone else that I may have owed, They can not share my information. This is not a debtg I 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