vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: 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  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding, LLC has been on my credit report for XXXX years, XXXX months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : XXXX - tracking # XXXX TransUnion - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted XXXX address on my credit profile. All followed, except XXXX. On XXXX XXXX, XXXX emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove 1 old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights

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 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
This is in regard to my earlier complaint # XXXX. The company did send me an email but the issue has NOT been resolved. This is my email reply to the company 's letter dated XX/XX/XXXX : " Thank you for the response. I was able to open the savings account but I have not been able to fund it. I get an error when I try online and your customer service has been unable to help. The offer that I am trying to redeem is set to expire on XX/XX/XXXX and I have already lost over a month in time as I don't get the miles until 90 days after I have met all the requirements. Also, there was a message saying that I would get XXXX bonus miles for a {$10000.00} deposit as opposed to the XXXX bonus miles mentioned in the offer. When I called customer service about that, she said to just go ahead and fund it and I would get XXXX ( which I doubted ) so I tried but as I just said I can't. 

So after numerouscalls plus having to file a complaint with the CFPB, I am still unable to fulfill the terms of your offer which I have been diligentlytrying to do for over a month. 

I will not be satisfied until I see XXXX miles added to my AAdvantage card. Attached in the error I get when I try to fund. I will call again today and see if a personal banker is able to fund it for me. '' The rest of the info XX/XX/XXXX : Same day I called to see if I could get a banker to fund my account. She said I had to wait until I received my debit card in the mail ( not sure why I would get a debit card for a savings account ). She did give me my promo code which was nice ( # XXXX ) and confirmed that I would get XXXX miles with a {$10000.00} deposit. I asked for her supervisor to see if she could fund the account but she was not able to. She transferred me to another department that was supposed to be able to deal with the error code XXXX. Finally realized I could use my XXXX XXXX XXXX account to fund the Citibank account which is what Im trying now. I am waiting for trial deposits.

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 2022-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I entered into an agreement to pay past due ballance. Was given an option to pay minimum, or give additional amounts. I have sent additional payments, and requested by phone a monthly statement showing ballance due, with payments applied. I have sent in total 10 payments, and one large check in the amount of XXXX. This company rrefuses to send me any acknoledgement of recieved payments, along with new ballance. Also, this was a home equiety line of credit subject to a tax deduction. Company never sent my interest paid statement for the year 2021.

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 2022-07-06 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:
I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX 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 2022-07-06 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:
Dear to whom this may concern, I submitted proof that information on my report was falsely being reported, but the company continue to say it is accurate. They have not shown how this information is accurate or verified, therefore it should be removed. 

Bankruptcy XXXX filed dispute XX/XX/2022 Bankruptcy XXXX filed dispute XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
Summary : Hyundai Motor Finance allowed me to setup an autopay but prevented me from cancelling it online and did not cancel it over the phone. As a result, they continued to attempt to make the payment, which resulted in me owing XXXX further NSF fees. 

Details : I had a bank account closed due to fraud. This generated a return due to " Account Closed '' on my Hyundai Motor Finance autopay. Despite this, XXXX continued to attempt to charge my account and after the second return blocked me from making online payments. As a result of the block, I was prevented by their website from making changes to my Autopay -- specifically I was blocked from cancelling it. I called them twice and was told by their debt collection team ( first call ) and their customer service team ( second call ) that my autopay was cancelled. On my third call today, 5-6 months after the initial bounce, I was told that my autopay had again been cancelled. 

XXXX refused to refund my NSF fees and refused to investigate the problem at hand ( which is clearly a software/dunning logic issue ). 

Thank you, 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 2022-07-06 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: OH

Complaint narrative:
on or around XXXXXXXX XXXX  XXXX my car was broken into or some had accessed my XXXX  XXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : 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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have not been provided with my account number so I am unable to use their online platform for making a payment. I called their customer service line and all phone numbers that I could locate on their website and on the papers that I received from them, in an effort to obtain my account number so that I could proceed with paying the bill. Their phone line is inactive ; a recording comes on stating that they are working on getting their customer service back in running order. It is ridiculous that I have not been given what I need from the company in order to be the responsible credit card holder that I am. In my efforts to contact them, I can not fix their error. Online, I can not access my username or any information without the account number. There is no other way to access my account online. I want to be reimbursed for any and all fees and interest charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LVNV FUNDING account with a balance of {$320.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX, XXXX has been on my credit report for 4 years, 7 months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an alert about a fraudulent attempt to open a credit card in my name. 

The credit card was an XXXX XXXX XXXX opened through Bank of America. The attempt was made on XX/XX/XXXX. 

Due to a fraudulent attempt to claim unemployment under my name in XXXX, I had already taken steps to freeze my credit, but I want to escalate this crime nonetheless. Whoever did this has my Social Security number which is frightening. 

I contacted Bank of America to make sure to cancel the application and flag the attempt as fraud. I also learned the application was made from the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Please investigate this and shut this down.

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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A trusted friend recommended me as well as a group of trusted family friends to an investor who promised to return our money about 2 weeks after we initially sent. He has hacked into the bank accounts of some people involved since then and has not returned anyones money. We have clearly been frauded. He made written agreements in text of when he was returning the money and it has been about XXXX months.

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 2022-07-06 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: CITIBANK, N.A.
State: VA

Complaint narrative:
This debt has been included in the Bankruptcy but this company has violated the FCRA rule and for an automatic stay of this account in my credit report. This should be removed in my credit report immediately.

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 2022-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I acquired a line of credit from Sunbit in XXXX of this year. At the time I was unaware the agent set up automatic payments when the account was set up. Payments are for the amount of {$130.00} and due on the 6th of the month. I sent a certified letter to Sunbit in XXXX to cancel automatic payments, per the contract and I began making manual payments in XXXX, XXXX, and XXXX. For some reason, Sunbit resumed auto drafting my account in XXXX. I woke up this morning to see they've auto drafted my account for the second consecutive time without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
See attached.

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