vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT EDXXXX and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Im doing this by myself and really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We had our XXXX mortgage loan taken over by Select Portfolio Servicing.

They are located in Utah. 
We have had substantial income loss from Covid, because my husband buys at estate sales and then re-sells on XXXX 
His business is still down by 40 %, because there have been no sales and also because of health concerns. 
At first SPS helped us by giving us a forbearance, then they deferred 6 payments, which tacked over {$19000.00} to our existing balloon payment, due in 17 years. 
That was great. 
We were able to pay our mortgage for the last few months, because of the help we received in the form of government stimulus money. 
My husbands business is still struggling, so we asked for Loan Modification help. 
After 3 months they have turned us down. 
This is because our loan is owned by investors and we have about {$300000.00} in equity. 
The only option listed for a modification, was a 40 year 3 % loan modification, which would have replace our current loan, raised our monthly payments and lengthened the loan term by 23 years. 
They did not offer us the standard loan modification that was given to us by XXXX before, which is the formula used by XXXX XXXX & XXXX XXXX 
We had expected that they would offer a modification that would start at 2 % and gradually tier up to 3 %, which is the current Mortgage rate. 
That would have helped us substantially for the next 17 years. 
We could have then either refinanced, or done a Reverse Mortgage. 
I do not know why investors are allowed to put making money over helping people in trouble. 
They sent us Short Sale Paperwork as well. 
If things get worse, we can sell the property ourselves. 
The whole point was to be able to stay in our home. 
My husband has taken on an extra job, which is going to be very hard on him. 
That is our only solution, besides selling and moving out of our home. 
I think these investor loans need to be pressured to help people in trouble if possible, by using the Government Modification guidelines. 
I do not know how they can be so heartless and get away with putting home owners in jeopardy. 
Your Bureau needs to address this problem, because I am sure that we are not the only ones going through this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One is attempting to collect unnecessary identity documentation in processing credit card applications. In addition to me being a customer for multiple years, having multiple different accounts with them, multiple credit accounts paid in full, all of my information remaining the same, and me applying for this credit card from my account log in and applying for an offer that they made me, I also provided them with the additional documentation they asked for but then they wanted more documentation. Further, they have very low level employees who are working privately from home, and who have access to everybodys private financial information. I had one such employee, ask me to verify certain information which sounded suspicious, and I reported it to her manager and he admitted that she should not have tried to verify such information and that they would review that call. I also had this same exact problem with capital one back in 2018. I then asked the manager why is it so difficult to obtain a small credit card with capital one but its so easy to get a car loan with capital one. I got a car loan with capital one in 5 minutes with providing no documentation beyond my drivers license. He then answered me that they are less worried about fraud when there is collateral involved!!!!!!!! How about that!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 my sister added as an authorized user to her Bank of America credit card. As of today, I still have not been updated on my credit report. I called Bank of America on XX/XX/XXXX and was advised by a customer service representative that Bank of America doesn't report authorized user accounts to the credit bureaus. I asked for documentation of this and was hung up on. I called the Bank of America compliant line and spoke to XXXX in the Texas office and was advised that they would be escalating my complaint. I was told that Bank of America does report authorized users to the credit bureaus. I provided my name, date of birth and social. XXXX advised that they would be expediting the reporting to the credit bureaus. To this day, nothing has been reported. I was provided with cas # XXXX. She said to allow 5 business for a letter and confirmation of investigation.

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 2021-06-23 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: FL

Complaint narrative:
On XX/XX/21 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later i have not received a response yet. I fell like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my report it has been well over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will fill litigation due to stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

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 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
I had a XXXX  XXXX XXXX in which was called and deemed a total loss my insurance has paid them over 90 % of principal and is still pending a cap claim but the financial company also known as pronto finance is still trying to collect money from me and threatened my credit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NY

Complaint narrative:
Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
An agreement was made via phone and letter received that once the acct was resolved, the company will remove the collection from my credit file. My concern and why I am reporting this is because instead of deleting a few days ago, the company updated the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
I am writing this statement because I am a victim of identity theft and recently noticed some fraudulent accounts on my credit profile. I ask that the items please be removed to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the fraudulent items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: KY

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My complaint goes back 2 years but I will limit it to what has happened since XX/XX/2021. I paid through citi banking portal, XXXX  on XX/XX/XXXX, XXXX The check wasn't cashed until mid XXXX. I wrote a check on XX/XX/XXXX to XXXX and as of XX/XX/XXXX it had not been negotiated and I stopped it and reissued another one on XX/XX/XXXX and as of XX/XX/XXXX, it has not been negotiated. I wrote another check on XX/XX/XXXX for XXXX for XXXXXXXX XXXX insurance payment, I pay bi monthly, and as of XX/XX/XXXX it has not been negotiated. It took two months for XXXX 's payment to be negotiated, I stopped a XXXX check after 2 months because it had not been negotiated, and now I sit 5 weeks hence from writing the last payment and it has not been negotiated. 
I have written, called, complained about XXXX, but I have also attempted to get citi to ascertain why the payments are not being negotiated. I received this from XXXX, Dear XXXX : This letter is in regards to your recent premium payment. This payment was not honored by your bank. Your policy has been terminated as of XXXX We truly value your business and want to thank you for choosing XXXX XXXX XXXX If you have any question, or we may of assistance to you in any way, please feel free to call. Customer service department toll-free XXXX. For your convenience, secure onlline access to your account is now availablle through XXXX XXXX  for Members. Please visit our website at XXXX sincerely accounting deptartment. 

I called citi and asked for help in this matter and was told they could not help. I found citi 's ceo idenity on the internet and sent complaints about this to her. Subsequently someone from citi left a message and a number to call, I have called it for several days up to 50 yes 50 calls at a time and I get no response.

My insurance is cancelled, my future medical appointments are in jeopardy, because communication between the bank and the payee is virtually non existent and neither one are rendering the services they puport to deliver. Either citi isn't paying XXXX or XXXX isn't cashing the checks sent them on my behalf by citi. citi won't help me find out which, so I am filing this complaint wanting the outcome to be some assistance from citi bank.

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report shows a balance with a company called XXXX XXXX XXXX services. I have paid off XXXX XXXX and included the proof below. Yet when I log into my account, I still see that XXXX XXXX is showing up as a collection.

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 2021-06-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft CB/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood has frozen my account for over a month, restricted me from XXXX withdrawal or transactions and no Custumer service is available to take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
WAKEFIELD AND ASSOCIATES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I switched cell phone carriers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX vowed to pay for my phone services with XXXX but XXXX XXXX XXXX never paid for the phones I had and the services prior to moving over to XXXX XXXX XXXX. This has left a bill that I never new I had to pay. This is not right and should not be legal. They claim I owe {$1900.00} which again I was told I would not owe anything from switching over to XXXX XXXX XXXX. 

AMSHER COLLECTION SERV Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation