vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We are an elderly couple trying to buy a home with a Reverse Mortgage for Purchase. As a result of us being scammed many years ago, we have our credit froze or locked..The other two credit reporting agencies, XXXX & XXXX  have unlocked our freeze without issue HOWEVER, Experian refuses due to some sort of security breech ( theirs ). They want us to send them copies of bills, bank statements etc and it will take them WEEKS to process. Our home is for sale and we are trying to purchase one in another state ... .Weeks to process their foolishness is unacceptable!! We feel they are trying to hold us XXXX and trying to stiff-arm us into purchasing their " membership '' which they will process faster ... Please advise..

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-05-15 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:
On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of XXXX XXXX. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX   that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX plantation XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted equifax, sending them a copy of my driver license and police report along with all requested info to prove my real identity. Equifax have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have an existing complaint with Seterus .Back in XX/XX/2020, I wrote them a grievance letter addressing concerns with the mortgage my father signed.I never received any response from them.I want them to response to the letter.This matter affected my family severely and it deserves a response.I have never been treated with any respect in fact i have been treated rudely and ignored.Just because i am not someone famous or important, this industry treats you like an insect that should be stomped.My familys home has been taken, I am suffering from severe XXXX .I want XXXX XXXX to answer my  questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 at XXXX hrs, I shopped at the XXXX, Tx XXXX XXXX and purchased over {$67.00} worth of items. At the checkout, the cashier informed me that I can get an extra 15 % off if I apply for an in store credit card. I inquired about credit check. She stated that its an in store credit card and only a soft credit check is pulled. I told her that I didn't want it to effect my credit score. She replied back that it will not. 

On XX/XX/2020, received a letter from Comenity Capital Bank about a credit card that I applied for. I called Comenity Capital Bank on XX/XX/2020. I told the Bank Rep that I did not apply for a Comenity credit card. She is informed me that XXXX XXXX is one of their customer. I asked about my credit report and she informed me that there was a hard credit report pulled in my name. I informed her that I didn't apply for Comenity Capital Bank credit card. 

Bottomline, 1. XXXX XXXX mis-represented the product and did not properly inform me of my right as a customer. Employees need to be educated on the different between hard vs soft credit check. At the end, there was a hard credit check on me. That was not what I was informed by the store cashier. 
2. Comenity conducted the hard credit pull without my permission and its customer to mis-represent their product ( credit card ). At the end, my credit score has changed because of their violations. 

3. The hard credit check violated my right for the following reasons stated above and laws in the attached complaint. 
- FTC Violation - Truth and lending violation - Fair Lending violation - FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
I was sent a bill from Kinum Inc., a collection agency for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  for my minor son XXXX XXXX. They sent me a bill for {$300.00}. Their itemization on the bill was a charge for {$29.00} and another charge for {$74.00}, for a total of {$100.00}. Not {$300.00}!! I wrote them a letter on XX/XX/2020 asking for an itemization of this bill to show where the {$300.00} came from. Also to clarify that this was not billed correctly by the original debtor and that I was disputing this bill. I'm a XXXX XXXX   XXXX XXXX  and am on XXXX. I do have XXXX as primary insurance though. Consequently, my son has XXXX as his primary and has XXXX as his secondary. XXXX ALWAYS picks up the remainder of the bill. This is not a valid bill. Kinum has continued to harass me and call me. Yesterday, XXXX, I got a call from Kinum at XXXX The gentleman I spoke with was not a gentleman at all. Very forceful and refused to listen to the fact I sent them a letter of dispute and asking for them to validate the debt asked for. This is all clear violations of the FDCPA, as I know because one of my jobs when I worked for the XXXXXXXX XXXX XXXX was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will not stand for these companies trying to bully people. I do have proof I sent them a letter with their billing statement on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
We received a notice dated XX/XX/2020 from our bank that our mortgage company, Freedom Mortgage has reported our mortgage payment as " delinquent '' to credit bureau. Not only has our account NEVER been delinquent, we are paid through XX/XX/2020. When we contacted Freedom Mortgage 's Customer Service, they acknowledged there was no history of delinquency. Rather than fixing the problem within Freedom Mortgage, we were instructed to submit an email to dispute the filing. 

According to the CFPB data base and other official sources, Freedom Mortgage has a history of unethical practices. Since this is their error as acknowledged by their Customer Service department, why is the responsibility to make the correction on us? Why wasn't this done immediately in-house rather than requiring us to file a dispute? 

Furthermore, we question the timing. We have been contacted by Freedom Mortgage to refinance at a lower interest rate which we have not done. We believe this action of reporting our payments as delinquent is a deliberate action by Freedom to sabotage attempts we may have of refinancing with another lender by wrecking our credit. 

We were not pleased when, immediately after closing on our home last year, that the mortgage was sold to Freedom as we have read horror stories about their practices. We believed if we kept our heads down and maid the payments on time that they would leave us alone. We were wrong. Please 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 explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This company has been a hassle to me since 2015. They have reported incorrect things on my credit reports regarding payments being paid on time, and reported as late. Also the balance is not reflecting correctly. 

Other than information report on my credit files, my past 10 or so payment have completely went towards interest, including my most recent that was paid on time. 

I am wondering how they put repossession fees that I wasn't aware of at the end of my term. This is the second time that this has happened. They told me the repossession fee was {$300.00} and was included with what I had to pay to get my vehicle back. 

Please see documentation attached. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received a letter in the mail from wakefield associates XXXX XXXX XXXX XXXX XXXX TN XXXX ) stating that I owed {$120.00} for a medical bill from XXXX XXXX XXXX. However I have never had any medical visits with XXXX XXXX XXXX. Several times I have called Wakefield associates and have requested all documentation of this bill and still to this day I have never seen any documentation signed by me stating that I owe XXXX XXXX  XXXX. I have disputed this several times and Wakefield will not show me documentation or remove this from my credit report. Therefore, I have no choice but to start filing complaints until something is done with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Management Core Solutions, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I received a letter from MCS inc in reference to a medical debt owed. After investigation I have discovered the debt is from a service performed in XX/XX/XXXX. I never received a bill nor was contact till over nearly 8 years after the service was performed. They could not give an account number to reference nor date of service. I had to investigate all to verify. 

I have contacted MCS and explained to them the debt is over the statute of limitations, they are still going to proceed with court actions. The letter attached is the very first contact I have had with both the service provider and debt collector since the the initial date of service. 

Since this debt is in Virginia and I live in Idaho. It makes fighting very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern : I had the worst experience with XXXX of any customer service at XXXX airport. I called XXXX customer service early morning around XXXX and spoke to XXXX informed him that we were running late little behind due to snow in XXXX and our tempo traveler getting stuck in snow. XXXX put the remarks in the system and also assured me that would speak to gate agent. We were travelling with 11 passengers on two different itinerary ( XXXX  and XXXX  ). I also called again at XXXX and also again at XXXX both times speaking to the agent and making a request that were running late due to XXXX traffic . We were at the airport the gate agent DID NOT let us board the flight. We were not NO SHOW. Once getting to the airport I was unable to getting sort of service/courtesy from the checkin agent. I asked to speak to manager but was not getting any response, all the lady at the desk did was to point the manager ( another lady ). I tried to talk to the manager but she seemed hesitant to even come over and talk to me, she DIDNT care about the situation or make any effort to resolve/provide solution. I pleaded to her multiple times and even told her you can send my bags 2 days later but let just board the flight, she showed no sense of urgency or courtesy. Again I was travelling with 11 passengers and of those XXXX  kids which is very frustrating when I was unable to get service I paid for. The flight ended up leaving LATE XXXX minutes. I had to scramble to find another flight as I had prior engagement the following day. I finally ended up booking another flight from XXXX to XXXX and booked another travel from XXXX to XXXX reaching home XXXX in the morning after travelling in cold all night. This is byfar the worst experience I have had in my life as the flight was delayed 2+ hours from XXXX to XXXX . I had a meeting in XXXX but had to cancel due to flight delay. I am the owner of XXXX hotels in USA will definitely tell any and everyone regarding the experience I have had with XXXX. I will also be posting a review online via XXXX and any review sites. I expect to be fully refunded for the worst experience of my life. 


I am not in agreement as I the service was not delivered and want to REOPEN the dispute as the airline cancelled the booking without notice. 

I have been in constant communication with my Chase since the charge the amount is {$1000.00}. I had to book another flight and spend additional {$950.00} for the flight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 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: PA

Complaint narrative:
XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX 2020 XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: PA

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXXXXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital Systems has been repeatedly calling my sons grandmother. I have never given them her phone number. There is no reason for them to be calling her. They are not suppose to be calling anyone other than me in regards to my debt. They called her this morning at XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a Macy 's Credit card since I would receive a certain percentage off my total balance in Fall XX/XX/XXXX. After making that initial purchase, I made my first payment when I received the bill. Knowing my credit limit of {$800.00} was at around {$600.00} now, I tried to make a purchase of around {$200.00} for new work clothes that I needed. The purchase went through online, but later I received an email from Macy 's stating the purchase was canceled. I tried it a second and third time with the same issue. I called customer service to speak with someone about it. Spoke to three different people. Each person couldn't tell me what the issue was with the account. The third person was lying to me telling me my available credit was at {$0.00}. I told her I was looking at the available balance while speaking with her and showed an available balance around {$600.00}. She said I was incorrect because of the purchases on the card. However, I explained to her again that ALL PURCHASES WERE CANCELED BY MACYS SO THERE SHOULD NOT BE ANY CHARGES BESIDES MY INITIAL CHARGE. She put me on hold for 15 minutes then came back on stating I was correct and asked which purchase I would like to keep because it would ABSOLUTELY go through this time. She gave me a confirmation number and then 10 minutes after hanging up the phone, I got the cancellation email for the purchase AGAIN. So, I called them back angry demanded my FULL PAY OFF amount and to close my account out. They told me my full pay off amount was {$99.00} and some change. I told her I would be mailing a check that day for that amount and asked 3 separate times that after this last payment there would be no other charges. I was assured that it would be only payment I would have to make and that the account was then closed. Fast forward to XX/XX/XXXX, I received a bill for {$10.00}. I called, received no one. Moved and forgot about it until I got my updated credit score. A drop of 88 POINTS BECAUSE OF MACYS. I am beyond angry in regards to this matter. I was told everything was taken care of multiple times, that my card was COMPLETELY paid off, and here I was MONTHS LATER being told I owe {$10.00} with an 88 point drop in my credit score. I paid the now {$12.00} due to interest on this ridiculous card and my score only saw an increase in 16 points. Even while paying it, I wasn't informed on what the XXXX XXXX was or why I received it even when I asked. How can they get away with this? How many people have they done this to? I only had the card for 2 weeks due to their XXXX customer service and will suggest that absolutely NO ONE gets a macy 's credit card or they'll be suffering this 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 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
On XX/XX/2020, I received notification from my XXXX  account that a collection agency by the name of AFNI, INC. added a collection account on my credit report in the amount of {$290.00}. I then called the number provided XXXX and spoke with XXXX. XXXX advised me that he is attempting to collect a debt from XXXX XXXX. I advised XXXX that he is the third collection agency representing XXXX   XXXX  for an account I never had with them. I explained that I have always used XXXX XXXX  XXXX and then XXXX. I also advised that I never lived at XXXX XXXX  XXXX XXXX and proceeded to list all my previous addresses. I informed XXXX that I had identity theft in the past and I need him to remove this from my credit report immediately. XXXX advised me to email XXXX. On the same day, I email the email address and attached my police report and my driver 's licensee. I have received no response from them. The account is still reporting the account. I want this to be removed and stop all collections on this account because it doesn't belong to me. This is the third time this has happened with this company. They NEVER NOTIFIED ME IN WRITING OF THIS DEBT. I ONLY SEEN WHEN IT REPORTED TO MY CREDIT REPORT. This has damaged my credit score. I dropped XXXX points because of this. Attached is my driver 's license and both of my police reports.

Company response to consumer: Closed with explanation