vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: NC

Complaint narrative:
I DONT KNOW IF MY LETTERS ARE NOT BEING LOOKED AT BUT I HAVE TRIED TO CONTACT THE CREDIT REPORTING AGENCIES ABOUT Credit Inquiries THEY DONT BELONGS TO ME. IF I DONT GET THEM REOVED I WILL SUE ALL THREE CREDIT AGENCIESD AND I WILL WIN.

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
The company PHOENIX FINANCIAL SERVICE is reporting to the credit bureaus that I owe debt on three accounts ( Account # XXXX, XXXX, XXXX ). I sent Phoenix a letter requesting validation and proof of the debt on XXXX XXXX, 2021 but I have not heard anything. They are still reporting that I owe even though they haven't provided me with any information nor have the responded to my letter. I do not believe the debt they randomly put on my report is mine. 

This is causing me undo stress and frustration. It is also impacting my ability to get lower interest rates. I have attached a copy of the letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my credit report and Equifax and XXXX  hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

Equifax and XXXX and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 

Also add my former employer on my credit reports. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CaliforniaXXXX XXXXXXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX XXXXXXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my XXXX XXXX Act under Department of Justice. 
With Honor and Respect Always!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On or around XX/XX/XXXX I disputed an account on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX the account is noted on my credit report as " consumer disputes this account information '' This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit report still reporting negative. Consumer Adjustment has failed to provide me with supporting documentation that this account is legally my responsibly. The account listed shows the original creditor as being " XXXX XXXX XXXX '' with an amount owed of {$650.00} - date opened XXXX I have personally never held an account with this organization. Consumer Adjustment is reporting this account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
On XX/XX/2021 I received a court summons stating Velocity Investments LLC was suing me for an unpaid loan. I have never heard of this company before and do not owe them or anyone any money for an unpaid loan. This company attached blank loan documents with the account number blacked out and no signature, but have stated I am responsible for this loan. There is no information about this unpaid loan and why I owe them $ XXXX. This is ridiculous that some random company can try to sue me without any evidence that I owe them anything. No one has ever contacted me about any unpaid loan, but now all of a sudden Im being sued.

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 2021-02-22 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: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX my I entered a forbearance for my FHA mortgage due to COVID 19. It ended in XXXX of 2020. I made all payments on time prior to XX/XX/2020 and have made all payments since XX/XX/2020 yet my mortgage has been reported over 120 days delinquent on my credit reports. I have attempted to contact BSI who is my mortgage company have not been able to have anyone return my calls regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am on a forbearance plan due to COVID19 but i have been current on my loan until i changed my home insurance. My Mortgage went up {$400.00} per month but when i changed insurance companies getting same rate as before my premium didnt lower until XX/XX/XXXX statement and i started new insurance company XX/XX/XXXX. 

It took 5 months to get correct amount which means that is like {$2000.00} extra Shellpoint is trying to get from me. I have been calling and calling to get this resolved. I need to have my mortgage premium adjusted and still nothing has been done.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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:
I reviewed my credit report and XXXX  and Transunion hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX  and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

XXXX  and Transunion and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 

Also add my former employer on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California94607 XXXX..XXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX  XXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my ADA Disability Act under Department of Justice. 
With Honor and Respect Always!

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I entered into a settlement agreement with Penfed for one loan and one credit card, where I would make two payments for the loan by XX/XX/XXXX and three payments for the credit card by XX/XX/XXXX. Instead, I paid off the terms of both the loan and credit card immediately on XX/XX/XXXX and XXXX, XXXX. I honored the terms of our agreement. 

In XXXX, I contacted Penfed to enquire as to why my credit report isn't showing the terms of our settlement. My contact at Penfed, XXXX XXXX, advised she would look into it. She never responded to me again On XX/XX/XXXX, I received a letter from Penfed stating I was past due {$99.00}. I again emailed XXXX XXXX, asking why I was receiving this letter when the terms of our settlement agreement was met. She did not respond. I then called Penfed, and spoke with another agent who said she would get back to me. I have yet to hear anything back and my credit report continues to show innaccurate information. I am attaching the settlement letter, proof of payment from my Penfed online statement, and my email communication with 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 2021-02-22 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: DE

Complaint narrative:
XX/XX/2021 I submitted a letter to Equifax disputing the following account XXXX XXXX XXXX Its been past 30 days I have not received anything from Equifax, no response to my dispute this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/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 explanation
Consumer complaint received 2021-02-22 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Disputed this item as a medical bill that was to be paid in full by the department of Veterans Affairs, as a Mission Act based XXXX XXXX  referral. This was allegedly for a CT scan, in regards to my ongoing XXXX treatments and follow-up. I have an XXXX, due to XXXX XXXX from XXXX XXXX. Please see attachments. This is attempt # 3 to rectify this problem. Also, I have an issue, in regards to logging into XXXX, to monitor this situation, and to view my reports.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Transunion ) ( XXXX  ) XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-02-22 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:
There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/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 explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is still showing student loans that shouldve been removed years ago due too accounts statue of limitations

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am a man who respects my financial obligation so all my payment, I pay almost 10 days before the due date my first pay it should be on XX/XX/2021, I paid it 5 days before the due date, I did payment online manually, and before I set up auto-draft, but I thought is not active yet. The mortgage company deducted the amount of {$130000.00}, and I paid {$100.00} for principals as extra. After they receive that payment, they deducted another {$1300.00} so deducted my mortgage for one payment twice, I call them to refund me back for the second payment, they regarded it as returned payment and added {$40.00} fees. They disable my account online, prevent me from paying my mortgage payment online. This company, sorry to say is not professional, very greedy, have no flexibility, lacking all rules and conditions which qualify them to be a good financial company.

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 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made money transfer from BoA to XXXX account on XXXX and the amount is XXXX XXXX 
It was confirmed to be available by XXXX XXXX. 
However money does not transferred yet.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I have made several unsuccessful attempts to have Credit Karma stop emailing, and to get them to cancel my account with them. In XX/XX/ 2020, I checked my credit reports with the three credit bureaus and Credit Karma had made more than 30 inquiries. I would like for them to remove my profile from their website, and to discontinue emailing me. I visited their site to attempt to remove my account and I was unable to enter. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have been scammed last XXXX until XXXX by few fraudulent persons/companies. I have attempted through my bank but also directly to the respective bank and merchant to return back my money stolen by fraudulent people. 

I would appreciate if you could assist me recovering my money. 

Thank you Best Regards 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 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MI

Complaint narrative:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$710.00} XXXX XXXX {$8100.00}

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 2021-02-22 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:
There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$2200.00} Opened XX/XX/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 explanation