vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, AMERICAN EXPRESS that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, CAPITAL ONE opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NY

Complaint narrative:
In XX/XX/2021, I received the U.S. Bank ReliaCard for Ohio unemployment benefits. I did not apply for any unemployment benefits with Ohio or any other state. I reported this unemployment fraud scheme to U.S. Bank on XX/XX/2021. I was advised by the US Bank fraud agent to file an online fraud case and supply an ID Theft affidavit, which I did the same day. I also advised the Ohio Unemployment agency about this fraud. As of XX/XX/2021, I have not received written confirmation from US Bank that the fraud claim was received, that it was investigated, and that the debit card was inactivated and closed.

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 2021-03-24 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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I haven't recieved any investigation results.

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 2021-03-24 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.

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 2021-03-24 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: TX

Complaint narrative:
Equifax Information Services, LLC, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Hello, upon checking my report i notice i received a drop in my scores due to this account being added to my report. I have tried to contact them to send me validation with my signature for this debt which they failed to send me this is hurting me from rebuilding my credit. I am requesting that they remove this account immediately from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls collection account was paid in full for less than the full balance on XX/XX/2020. 
Creditor agreed that once debt was settled the tradeline will be removed from my credit report. The account as of today is still showing on all three credit bureaus as a charge off and shows the account status as closed an paid for less than the amount owed. Which was not the verbal agreement that was made with the collector. Kohls has failed to respond to my letters sent to XXXX XXXX XXXX XXXX The bureaus and Kohls receive two letters a month requesting to update my file and have failed to respond to my request within the 30 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
We sold our home on XX/XX/2020. We have a settlement statement in hand and have confirmed that it is recorded with the county. Lakeview Loan Servicing received the payoff. But our credit reports show that, in spite of the loan being closed and paid in full, our " current payment status '' is not in good standing and is " 90-119 days past due, refuse to pay. '' This shows on our credit report in payment history during XXXX of 2020. That is after we sold our house and should not have had any payment information to report from Lakeview Loan Servicing. We are business owners and this has negatively impacted our ability to finance and operate within our company. We have tried reaching an agent at Lakeview, but they have a fully automated phone service. We have tried every option in their automated system to reach a real person and can not get through. I logged into my account in their system and they don't offer any ways of reconciling this other than their contact us page. No portal for disputes or complaints. Someone made an error that is having a major impact on my life and I can't find a way to hold them accountable or get them to fix it.

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 2021-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Took out a private loan of XXXX for a XX/XX/XXXX through XX/XX/XXXXXXXX to enhance my career. Once clsss was over the pandemic was in full force so unable to secure job that I had planned on to repay loan as needed. Have contacted them several times to try to setup a payment plan to resolve but no response. Affecting my credit score monthly and I am suffering bc this is ONLY item on credit that is in default. Now its in collections and still no help from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has been calling my phone at least 3 times a day for more than 6 months. Every time this company calls me, they use a different phone number. They often use phone numbers that match my area code to get me to answer. Ive answered a few times to see what would happen but each time I answer, the company hangs up within 5 seconds without having said anything. They have never left a voicemail. They have also been sending letters to an old address of mine at least once a month regarding the debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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:
Hello, there is information on my credit report that is false or fraud. 

On my transunion report it states that I reside or have resided at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never been associated with this address. 

This is fraud and must be deleted as I have never lived, or been associated with whoever lives there.

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 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
TIAA bank will not offer a loan forbearance too, as I am entitled to under the cares act. They all of a sudden said a new company owns my Mortgage. A company called XXXX  XXXX  with over 5000 complaints on the consumer financial protect office. 

They refuse to offer a forbearance. My credit is going to be ruined like the 5000 other complaints you have received. They have a policy where humans do not pick up a phone call. Awful company TIAA and XX/XX/XXXX is. They are ruining everyone 's credit with their incompetency. 

I have reached out to them 42 times trying to get a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
Please investigate and delete XXXX disputed account XXXX I note that XX/XX/XXXX and XX/XX/XXXX have deleted this false account a long time ago, but Experian is still showing it. Attached is copy of my 3 bureaus 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 2021-03-24 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: DISCOVER BANK
State: FL

Complaint narrative:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, DISCOVER FINANCIAL SERVICES opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Convergent reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Convergent. To that end, I sent a letter to Convergent Outsourcing ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Convergent is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

It is obvious that Convergent Outsourcing is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports 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 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Klarna AB
State: IL

Complaint narrative:
XX/XX/2021 My debit card was used to make a payment on an unknown Klarna account XXXX for {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have no idea what this debt is. I do not owe Midland Credit or XXXX XX/XX/XXXX. They have not reached out to me in the past. This is not my debt and I feel this should not be on my account. I do not understand why this is being reported when I pay all of my bills on time. Please have this removed from XX/XX/XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CA

Complaint narrative:
On XX/XX/2021 I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage payments. This is regarding XXXX XXXX XXXX XXXX WV XXXX. 

My financial hardship began on XX/XX/XXXX when the state of XXXX WV saw a huge increase of COVID-19 cases due to the nature of my work, which I work for a XXXXXX/XX/XXXXin the XXXX  XXXX  handling money and dealing with customers our Department was minimized and hours and wages were cut. Our facility ended up closing due to stay at home orders, during this time my wages stopped I was not able to pick up any shifts and was not able to work any overtime not only did my mortgage suffer but all my other bills as well I struggled just to put food on the table and keep my lights on. 
Once I returned to work hours and wages were not the same as we were still struggling with COVID-19 making the changes at work was not easy and staff was placed at 50 % occupancy with many departments including cash cage closed this limited the amount of hours available and since I am in the percentile of possibly catching the XXXXhours were given to the younger staff. 

I submitted to SPS several times trying to seek loan modification assistance but SPS continues to decline any assistance. 

Most recent I submitted on XX/XX/XXXX to SPS faxing all required documents as stated by an SPS loss mitigation officer for assistance. On XX/XX/XXXX when I called to get a status update a representative for SPS stated they will not review my documents since can not reduce the payment to an affordable amount, keep in mind I am currently on a 12.5 % rate and only owe XXXX on my home I feel that SPS has plenty of ways on assisting me to get back and current but I feel that they are only interested in my home! 

They have not stopped any foreclosure on my home while I work with them for assistance, I feel that this is in violation of my home owners bill of rights but as stated on the CFPB also Dual tracking, I've asked SPS on several occasions who is my contact there but they have never assigned any specific person to hear me our or to work with me. I need help! 

If SPS had no intention on properly reviewing my documents, then why when I called in to request help they advised me to fax in all documents just to deny me. I think SPS is trying to strech out time to allow me to fall more and more behind just to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation