vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

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

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft NISSAN MOTOR Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
I found a collection on my credit report, from Sunrise Credit Services, for XXXX XXXX XXXX XXXX. I have an account with XXXX XXXX XXXX, but have never missed a payment, or been late, and I certainly never owed them {$1400.00}. I called XXXX XXXX XXXX, who tell me they have no record of this action. I filed a dispute with XXXX  ( the only credit reporting agency that shows this collection ), and they said they contacted Sunrise, and were assured it was legitimate. ( I have filed a second dispute with XXXX. ) I called Sunrise, and explained that I did not incur this debt. They told me the address they had on file for me, which was not my address, had never been my address, and that I didn't recognize. They told me they would send me a dispute packet, that I was to fill out and return to then. I have not received a packet. ( I have requested they re-send the packet. ) Due to this fraudulent activity, and the resulting collection, I am unable to perform credit-related activity. What is the next step I can take to remove this fraudulent activity from my credit report? ( Preferably before it infiltrates my other credit reports. ) Thank you.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX noticed unauthorized inquiry on my report. I immediately called transunion and they did not delete. This is causing me stress as I am applying for a mortgage. Please delete 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 2021-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am late on a payment and it is not even a month late. This creditor has been harassing me multiple times a day over the last two weeks from different numbers. I get paid on Friday and I have usually never been late in payment but under these circumstances this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I RECEIVED NUMEROUS LETTERS STATING I OWED ON A DEBT I HAD PAID IN FULL OVER A YEAR AGO TO THE DEBT COLLECTOR. IN REVIEWING THE NOTICES I ALSO NOTICED THE AMOUNT IS DIFFERENT THAN WHAT I INITALLY PAID. THE NOTICE SAYS XXXX I PAID XXXX I CALLED PORTFOLIO AND COULD NOT GET AN ANSWER FOR THE LETTERS OR THE DECREPENCY IN THE AMOUNTS. ALSO ONE OF THEIR REPS STATED HE SAW AN OVERPAYMENT WHICH I NEVER RECEIVED AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: DE

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-07-06 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: EQUIFAX, INC.
State: DE

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a conventional 30 year, fixed-rate mortgage with Bank of America. Closed in XX/XX/XXXX. Interest rate is 5.99 % fixed. Original principal was {$290000.00}. I made monthly mortgage payments of {$1700.00} ( P & I ) since the closing without incident, including during a long period when the market value of my home fell below the mortgage balance, and as mortgage rates were persistently declining. 

When the U.S. economy crashed from the pandemic of XXXX, i opted for mortgage relief through a forbearance. In XX/XX/XXXX, i contacted BoA to refinance the mortgage and wanted to successfully emerge from the forbearance. XXXX XXXX of BoA ( NMLS # XXXX ) underwrote a refinance offer for me dated XX/XX/XXXX. Refi terms were 30 year fixed at 2.875 % on remaining principal of {$230000.00} plus forbearance amounts estimated at {$27000.00}. Combined, that would have lowered my monthly mortgage payment to about {$1000.00} per month, a $ 600 monthly savings. Meanwhile, the market value of my home was then estimated at {$410000.00} resulting in a refi loan to value of 63 %, my credit score was XXXX, and my liquid assets were approximately {$1.00} XXXX. Soon after, BoA pulled the plug on my refi offer due to uncertainty regarding emerging rules for refinancing mortgages in forbearance. 

Since then, i have had multiple conversations with BoA regarding my mortgage and emerging from forbearance. BoA offered me a deferment option in XXXX and a loan modification in XXXX - both at the original interest rate of 5.99 %. I have replied to BoA that a carrying a 5.99 % interest rate in a 2.875 % market was extremely excessive and repeatedly requested to refi the amount due at current terms. Further, it is reasonable to assume that there is very little credit risk regarding the home value, my credit history and my available liquidity.

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 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I received a letter from Midland Credit management with Big bold heading stating " PRE-LEGAL NOTIFICATION '' also states they may proceed with forwarding this to a lawyer if I don't pay account in full. Also states if we forward your account to attorney this results in a lawsuit against you. 
This is the first I even heard from this company with this alleged collection and they are threatening to sue me. 
They also re-aged the debt ( Ive attached a screen shot of the most current credit report for support of proof. 
The amount on their letter is higher than what's reporting on the credit bureaus also. 

I responded with a letter and have not heard back. Ive attached their letter and my response letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: NY

Complaint narrative:
Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

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

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-06 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citbank credit card randomly changes the Monthly card closing date. This was NOT disclosed upfront. As a consumer, the billing cycle changes anywhere from 3 - 5 days after bill is paid. As a result, hardship on managing the monthly payments. All major credit cards should close with the same date which is at the end of the month.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: LA

Complaint narrative:
This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX- UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT Public Records-XXXX  NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I discovered fraudulent charges on my credit card while they were pending around XX/XX/XXXX & informed Capital One. They said they could not help me until the charges were posted. The charges went from 1 item/transaction/purchase to 3. I called a few more times ; they said they still couldn't help me until the charges were posted ; I called again after the were posted. I've called them now around 10 times & it's a nightmare ; no one answers in the fraud department ; average wait times can be over 30 minutes during normal business hours & often, you get someone that can not speak XXXX understandably. You try calling their fraud department, XXXX. Often, they do not connect you to the fraud department & you have to find that out after speaking with someone & giving your information, only to be transferred to the fraud department. You can not contact the company through their web site, after logging into your account. I am coming up on two months of dealing with this stupidity & the company is offer close to zero help. Can you please help me resolve this matter? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

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 2021-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The current issue is I am not able to see, pay, and manage my 2 student loans when I log into UAS ; this issue was present and unfixed since XX/XX/2021. The following is background concerning this issue : My 2 student loans with XXXX University were supposed to be in deferment without interest accruing until XX/XX/2021. UAS kept interest accruing during the deferment period despite multiple calls and emails. I submitted a prior CFPB complaint regarding this past issue, UAS resolved it by taking the accounts offline in XX/XX/2021. Since XX/XX/2021, when I log into UAS, I have not been able to see any balance, interest, or loan information. I can successfully log into XXXX. The loan information is not present when I log in. I have attached the prior CFPB response, and the loan aggregate reports and screenshots spanning multiple months of 2021 ; please pay attention to the dates as they will illustrate the issue. This issue is unresolved despite multiple phone calls and emails to UAS. These loans are now out of deferment and I need to manage and pay these loans this month, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

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