vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: WV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I am not liable for this debt with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I went to refinance my vehicle when I got my credit report, there were charge offs and credit cards on my report ive never had, plus a lot of hard inquiries. I called all creditors and they said i needed a police report. I filed report but XXXX XXXX  wants me to get put on report that no payments were made because they said some payments were made but officer said no way to prove I made no payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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:
XXXX XXXX - This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience stress due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the stress caused by this timeshare. I'm sure we were profiled, being a physician with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the stress & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : XXXX 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 2021-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a collection from XXXX XXXX XXXX shown on all 3 credit bureaus, Experian/XXXX/XXXX. 

I have settled the amount with XXXX XXXX XXXX in XXXX and paid it off. 
On XX/XX/XXXX all 3 credit bureaus has removed my collection from my report. 
Due to the removal XXXX  and XXXX  immediately have increased my credit score by 24 points ... ..

Experian immediately has decreased my credit score by 31 points ... ..

I have already sent Experian screenshots of the other 2 credit bureaus of the removal and increase of my score, without any solution till now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: Self Financial Inc.
State: CA

Complaint narrative:
A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " Self Lending '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted Self Lending they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is refusing to close my account that hasnt been active for over 3 years. Stating that my bank must verify banking information that on a credit card that is expired. I called on XX/XX/30 to attempt to resolve the issue. The representative that I spoke to was rude and placed me on hold never coming back to the phone. When I requested to speak to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: SC

Complaint narrative:
Equifax continues to show that I have a delinquent account. I have tried working with them through the XXXX, but they have not changed the information. I submitted a letter from the collection agency stating they were removing the information, because it could not be verified. They said it could take up to 60 days for equifax to remove this information. As of today this information is still showing on my credit report. I have been denied credit due to this inaccurate information. I also had two of my credit lines reduced based on this information. Here 's is the statement from the collection agency. 

We have attempted to contact the creditor to verify the balance and they have not responded. Therefore we are marking the accounts to be removed. This will go on our file this Friday, XX/XX/XXXX, but the credit bureaus may take up to 60 days to complete as we do not have any control over their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC BANK CONTINUES TO CHARGE ME FOR CHARGES ON MY CARD THAT I DID NOT MAKE. THE CARD WAS EVEN CLOSED DUE TO FRAUDLENT USE. PLEASE HELP. I HAVE SENT THEM THE PAPERWORK THEY SENT ME ON THESE CHARGES THAT WERE MADE ON MY CARD ON XXXX. I HAVE SENT IT NUMEROUS TIMES AND THEY INSIST THAT ARE GOING TO CHARGE ME NONEHTLESS. THE ONE CHARGE IS {$6.00} FROM XXXX AND THE OTHER ONE WAS {$5.00} FROM XXXX ON XX/XX/2021 BOTH OF THESE CHARGES WERE NOT MADE BY ME. BUT THEY ARE GOING TO CHARGE ME ANYWAY. I HAVE UPLOADED THE PAPERWORK SEVERAL TIMES TO ADVISE THEM I DID NOT MAKE THESE CHARGES. PLEASE HELP. THEY REFUSE TO LISTEN. I AM NOT PAYING FOR CHARGES I DID NOT MAKE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, Transunion reported a 20 point decrease in my credit score for MY AUTO LOAN AMOUNT BEING DECREASED?!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on 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 2021-07-30 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 is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collection Partners, Inc.
State: IN

Complaint narrative:
Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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:
I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!! 

DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}

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 non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
On XX/XX/XXXX we entered a forbearance agreement with Homebridge Financial as our loan servicer due to financial stresses related to the COVID pandemic regulations. The forbearance began on our XX/XX/XXXX payment due and ended after our XX/XX/XXXX payment. Communication from Homebridge to repay the balance due was not clear and one sales representative in particular that called insisted that the only option was for a loan modification. We did not want any adverse effect on our credit and had the funds to repay in full the balance due from the forbearance period payments and escrow. The sales representative was insistent the modification was better even after we insisted we wanted to pay in full. We called later and spoke to Customer service and were give a dollar amount remaining due on XX/XX/XXXX after we had already made a payment for the XX/XX/XXXX payment due. We paid the amount we were given. The following month we made a regular payment for the XX/XX/XXXX payment due on that day but were unable to set up reoccurring payments because records still showed we were past due. We waited for payments to update on the system but called 2 weeks later and were told the amounts were still off and we were still short by 2 months payments, we disagreed and asked them to submit a ticket to investigate but made a second payment in the month of XXXX. Homebridge did not resolve the misallocation of funds and applied part of the repayment to the escrow account exceeding the amount needed to pay more than the annual amount. We made another 2 payments in the month of XXXX to resolve but with each payment Homebridge records still do not reflect on time or current. according to our records and all payments made we have now overpaid by 2 months worth of payments and continue to pay monthly on time but Homebridge shows us as being 30 days past due. Responses to written requests are automated or scripted and they never directly address any questions or resolutions to the issue. It is now the end of XXXX and we still have not received a written resolution or correction to our account to show on time. Luckily this has not been reported to credit but that is also our concern as this would be very damaging to our credit history even though the paper trail and payment records show full and current. - VERY dissatisfied customers

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MD

Complaint narrative:
I recently submitted documentation to figure out what my monthly payments would be. I had been paying {$360.00} per month which was a reasonable amount given my salary and other expenses. My new payment was calculated to be {$920.00}. I have not had a significant change in income over this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I have paid in full a second mortgage lien with Gateway Mortgage but Gateway Mortgage never reported my payments or the closed account to the credit bureaus since XXXX. I spoke to customer service and to the department that pertains to credit reporting but it was never done. Gateway Mortgage XXXX XXXX XXXX XXXX, XXXX, OK XXXX ; Customer Service - XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was contacted by Wakefield & Associates to collect a debt owed. I do not owe a debt to this company, or any company, for that matter. I am on the national do not call registry, so they should not contact me. I contacted them and attempted to get them to stop contacting me, but they did not answer my calls, as if they had blocked me.

Company response to consumer: Closed with explanation