vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my XXXX score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advanced Portfolio Group LLC
State: AL

Complaint narrative:
Advanced Portfolio Group is calling and harassing me. On XX/XX/22 This company has threatened to send my information over to the Sheriff 's Department for further actions if I didn't allow them to talk to me in a degrading manner and belittle me on the call. Upon receiving the call this company also released my complete personal information on the call without getting any verification by date of birth or SSN. This company released my personal details without confirming they had the correct person on the line. I requested a manager in regards to the violation of my rights to my personal information. The manager came on the line and over talked me, used a condescending and demeaning tone and also yelled at me after I requested to speak with him in regards to violation of my rights to my personal information and threatened police action. The manager also threatened to report my information to the Sheriff 's Department if I didn't comply. When I asked for options the manager was deceiving in the information provided and wouldn't give the proper information, details and options available with the company. He lied about payment options and threatened to hang up and send me to the Sheriff 's Department if I didn't make a decision with him right then on the call. He transferred me to another agent and she also lied about payment options and methods of payment available to their customers. After addressing them on their deceptive and abusive acts they also hung up in my face while attempting to discuss this violation and gave deceiving information and lied consistently throughput the call about their terms and what options are available. I would like to sue for FDCPA violations and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my FICO score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my FICO score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase sent me several special offers that expired in XXXX. I checked one for XXXX XXXX ( XXXX XXXX XXXX ) and used it on XX/XX/XXXX. I receive no such credit ( which normally can be checked once the charge posts ). I have received multiple " run arounds '' rather than a normal response of " let 's fix and correct this ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2022 I've sent a letter to Portfolio Recovery Associates LLC to Cease and Desist from contacting me by any means, remove my name from their database and consumer reporting agencies, and that i refuse to pay the alleged debt with respects to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Portfolio Recovery Associates LLC and their agents sent repeatedly letters dated XX/XX/2022, and XX/XX/2022 of improper investigations, unnecessary requests for verification, and unlawful termination into investigation. 
On XX/XX/2022 I sent another Cease and Desist to Portfolio Recovery Associates to XXXX of their agents. 
Agent from Portfolio Recovery Associates LLC, sent another letter dated on XX/XX/2022 stating that I allegedly have to pay for an account in collections which is against the the law. 
On XX/XX/2022 I sent an Affidavit of Truth along with another Cease and Desist to thoroughly explain why I refuse to pay, there is no physical contractual agreement between myself the consumer and this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I was offered a Comenity Bank XXXX at my local XXXX store. I applied for the card and used the card for my purchase. I received my bill and would like to pay my total balance of {$180.00}. I have tried via their website and via telephone to pay this bill for the last XXXX days. The website says they are having scheduled maintenance so they are unable to process any payments or grant access to my account and when I call there is a recording saying they are having unforeseen technical difficulties and that their offices are temporarily closed. I would like to pay this total balance, before it becomes overdue, then cancel this card because I am suspicious of this credit card company. I want to be done with this credit card company but I cant seem to pay or cancel the card in any way because I can not get through to this company at all either online or by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, Equifax and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX  address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my XXXX Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westcreek Financial
State: FL

Complaint narrative:
I have had a lease set up with koalifi. At the beginning of the lease I was not allowed to make payments I contacted the company and the timer had not started yet. Then I was allowed to make payments. I continued making the payments until I got the number low enough to some thing I could pay off in one lump sum. I contacted the company to pay off the loan. After I was hung up on a few times I finally got through to somebody and they informed me that I had missed the deadline. I was never formally given the deadline. I have paid {$2300.00} of a {$2700.00} loan. Im ready to pay the remaining XXXX but instead they want XXXX and thats criminal for being five days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
on XX/XX/2022, and XXXX XXXX, I have sent Trans Union, XXXX and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, XXXX and Experian, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A Bank of America credit card was unknowing to me opened in my name on XX/XX/2022 .I called Bank of America and they claimed they would put a lock on the card

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 2022-06-27 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: CA

Complaint narrative:
The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
This is hands down the worst mortgage company I have ever dealt with. I had not heard of them when they purchased my loan. They never contacted me, nor did my previous loan company. I continued to pay the original company for several months and then got collection notices from Flagstar for a loan I wasn't even aware of. In the transfer process, my homeowner 's insurance lapsed for non payment and Flagstar was a nightmare to deal with on that matter. I went without coverage for several months while they refused to apply my insurance payment from escrow.

They then claimed that they underestimated my escrow and my payment went up by 23 % month. I was never notified of this and was again turned over to collections. I called immediately and found that since my payment had changed, the former amount was considered a partial payment and that it had been applied to principle. I asked that they reapply that payment and I made up the difference immediately. They took my additional payment, applied it to principle and are now charging fees and attempting to collect a full month 's additional payment again.

Customer Service is incredibly poor trained and are rude and inexperienced.

I WILL ADVISE ANYONE NOT TO CHOOSE TO DO BUSINESS WITH THIS 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