vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been using XXXX XXXX but was switching services as they continually were adding random fees to my bill each month. I also didn't need cable any further so was trying to switch to internet only from another provider. I had paid all my bills and returned all equipment but they still said I owed 1 month of bills although the service was not in use for that month. Also every time I called in, XXXX would try to put me in a new 2 year contract even though I was just trying to understand and get rid of these random fees they would apply monthly. XXXX reported that I was delinquent to the credit bureau and as soon as I was aware of this I paid the 1 month balance to not impact by my credit score. My credit score from this 1 delinquency went from XXXX to XXXX at 1 point in time. I would like for this to be completely removed from all my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
To whom it may concern, I am looking to file a complaint against the company Wayfair. This morning I called the company to pay my bill for this month. Which was due XXXX I mistakenly thought today was the 7th and immediately attempted to rectify the situation. Upon calling and speaking with a representative I was informed I'm 2 months behind on payments with 2 months of late fees. This completely blind sided me because I had called and paid last months bill, due XXXX and had received the email confirmation from the company regarding the payment. She tells me that the payment for XXXX was returned, and I was charged a fee for that, the late penalty, etc. She also claims the company informed me of this action. To which I told her I had not been contacted in any manor. No phone calls, no emails, no paperwork in the mail. Legally I believe they're required to notify customers of such events taking place. I have all emails of every payment made to this company as well as all paper bills sent via postal service. How do I proceed? With these issues the amount owed has now gone up by {$150.00} and the date to have the account paid off before accrued interest takes affect is in 2 months. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I told them to cancel this and I never accepted service, I chose XXXX and can verify that at that time I had XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: MS

Complaint narrative:
I settle a debt with Conn Credit Corp in XX/XX/XXXX and the agent advised me in 30 days the account will be closed out showing " Paid in full. '' I submitted a dispute with XXXX  to have the account removed from my credit report because they didn't keep their word. XXXX ( confirmation # XXXX ) reinvestigation results are : " This item has been updated to report as paid in full '' but they was waiting on and electronic confirmation paper from Conn Credit Corp to update the credit report. As to this day XX/XX/XXXX Conn still haven't sent over the electronic confirmation nor have they closed out the account. I have been calling every since XX/XX/XXXX asking for an email to be sent to me stating that the account have been paid in full and I can send it to all three credit agencies but I have yet to receive that email. This company is horrible and they lie and give false information to get what they want. That is the very reason why this account went to collection in the first place -- I was paying 2 months in advance and they call and told me I was behind and when I ask how when I had been paying 2 months in advance they told me they was applying the extra funds toward the interest ; never once did they inform me of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit dispute letter was sent out over 30 days ago and credit report has not been updated with any information, not showing any items have been updated with final result, Items should be removed at this time going over the allocated time of 30 days. This should be done immediately by credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Back in XX/XX/2020 I received an unemployment payment from the Ga DOL to my new Paypal account. They first limited my access to my account needing proof of my identity to which i complied. 24 hours later I got a notification stating that I no longer receive Paypal services and my funds would be held for 180 no explanation. I still do not know why. It has now been 2 months over 180 days. I call frequently to check on my status and have not been able to be helped or withdraw funds. All customer service agents say that my account has to be reviewed but no other information. The GADOL payment is the only activity on the account! Except withdraw attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Debt is not mine, I did not authorize it as I have and still have aTT. They never contacted me for approval on this account

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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: MN

Complaint narrative:
I have a checking account with net spend and made a purchase from a company called XX/XX/XXXX. After they took my money the product they were supposed to buy never worked it was faulty. After I call net spend to let them know about stopping payment I was told I would have to wait. I have contacted net spend several times with no response and I lost XXXX dollers. I want my money back as this was a scam and Net spend Refuses to refund my money

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 2021-03-08 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: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX  : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX  XXXX : account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Penn Credit Corporation
State: FL

Complaint narrative:
There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX  : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX  XXXX : account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never authorized this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I purchased a 2013 XXXX XXXX XXXX and omg worst mistake of my life i have contacted credit acceptance and XXXX both consumers gave me the run around and said i will be held responsible for payments still even though i was sold a piece of crap

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have no knowledge of this and I never authorized any debt or credit with them

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 2021-03-08 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: CA

Complaint narrative:
I have called Equifax over 30 times from XX/XX/2020 to the present day. They will not update my credit score nor can any lender pull my Equifax credit history. I call and they say the same thing over and over or they just hang up on me. I've faxed them 10 times and followed their " dispute '' process. Nothing is ever done and it's ruining my life. I can't get any loans or refinance anything and their customer service is a complete joke. Now they sent me a letter telling me I have no credit with them after they mailed me a credit report. No one EVER contacts me back and NO ONE does anything. What a joke of a company. This is my 2nd complaint on them and even last complaint, they said they " mailed '' me a report. They aren't listening to me when I say that no LENDER CAN PULL MY EQUIFAX REPORT.

THEY WON'T ALLOW YOU TO SPEAK TO ANYONE IN THE US THAT CAN HELP EITHER. IT'S ALWAYS AN OFFSHORE AGENT THAT CAN'T DO ANYTHING AND THEY TELL ME TO FAX DISPUTES AND I'VE FAXED THEM 10 TIMES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have no knowledge of this and I never authorized any debt or credit with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
I was affected by Covid-19, and job loss that placed me in a position of not being able to pay the mortgage for months in the year XXXX. I contacted the loan company and requested to speak with a representative on a non-recorded line, as suggested by the automated system. However, a live representative answered, and reviewed my account and said I qualified for the programs to help me. I said great, then I asked if the conversation is being recorded and they said yes. I stated I would like to discuss my matter on a non-recorded line, and I was told someone would call me back! 

Well, I never got that call back or a voice message from the company to assist me with my issue. I called back several times, same thing happened. When I called on XX/XX/XXXX about XXXX, the automated system took my information and again stated I was approved for help. 

I received details about a loan modification in the mail on XX/XX/XXXX which stated to accept the terms, I needed to make a payment by XX/XX/XXXX, XXXX or the offer may be off the table and Foreclosure may be enforced with no option. I did send the requested payment to the lender, and still have not heard from them. 

" The lack of communication is from the lender is terrible ''. 

Again, I reached out to the lender on XX/XX/XXXX to simply inquire if they had received my payment, and again I wanted to have a discussion on a non-recorded line. The customer service person ( Who's name and details I have ) said she could not give me any details on my account if I wanted to talk on a recorded line. I said Ok! However, as I told her that no one has ever done a return call, then questioned what was the process of returning calls? Then, it became very simple how " FLAUD '' the system is! 

Here it is : ( 1st ) The Rep. place a call back request, but it's not to a particular person, it's just in a request box. ( 2cd ) No one is assigned to truly call you back, so no accountability is there. Which allows a call back Maybe or Maybe Not. ( 3rd ) If a Rep. gets the request to call you back, it's no way of knowing, or back - tracking who that person is. Nevertheless, this is why I have not received a call back. The Reps. have been pushing my request to the side, ( I'm sure I'm not the only person ) and No One is accountable which effects the timing of information being processed to properly do business in a timely manner. THIS IS A SERIOUS PROBLEM! 

The Company is : Specialized Loan Servicing, LLC

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: VA

Complaint narrative:
In reference to CFPB complaint XXXX XXXX and the letter Lexis/Nexis sent to file in response to the complaint, the investigation by Lexis/Nexis into auto claims information associated with my name was closed by confirming with XXXX that all disputed auto claims were associated with me. This is not true. Lexis/Nexis never asked XXXX if my name could be associated to the claims. I know this because XXXX told me this. The claims person at XXXX helping me today was speaking to the claims person who responded to the Lexis/Nexis re-investigation. All Lexis/Nexis asked XXXX for was a confirmation that the claims in the XXXX  database were real. I have never been insured by XXXX. I sold the vehicle involved in XXXX. The claims are from XXXX to XXXX. So this means that XXXX contains erroneous information about vehicle ownership, maybe for 15 years. It also means that I am most likely paying increased premiums for car, apartment, and auto insurance and have been for years. It also means that any background checks to support federal government clearances during the time, unknown, when this information first appeared in XXXX, has most likely resulted in adverse information reported on me when it comes to financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
Credit dispute letter was sent out over 30 days ago and credit report has not been updated with any information, not showing any items have been updated with final result, Items should be removed at this time going over the allocated time of 30 days. This should be done immediately by credit reporting agency.

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 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2021, I made a payment in the amount of {$300.00} to my Capitol One credit card. The payment cleared my bank on XX/XX/XXXX. The payment is reflected in my card balance on their website, yet my available credit has not changed. They are telling me it won't be updated until XX/XX/XXXX, and they have stated that this has always been their process. This has not, however, ever been the case with previous payments. I had a transaction denied because of this. Is it legal for them to do this? I have confirmed that my credit card account is still open and my limit has not changed.

Company response to consumer: Closed with explanation