vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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: Kovo
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Social Finance, Inc.
State: PA

Complaint narrative:
Approximately XX/XX/2021, I began receiving telephone calls from SoFi Lending Corp ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) at both home and mobile asking me about an application for a loan. Multiple times, I explained to the SoFi representative that I was not familiar with the company nor had I applied for any loan. The representative agreed to remove me from the call list, but I still received calls and blocked the number. I thought SoFi was a fraudulent business. It was not until -- fast-forward, XXXX during a visit to my banking institution -- that I learned that SoFi was a " legit '' financial institution and that my credit report reflected a SoFi loan in the about of {$46000.00} which had been past due since XXXX, and, with late charges, it is now about {$48000.00}. I called SoFi immediately and explained to a representative that I have no knowledge of such an account and suspect fraudulent activity. Looking at my credit report, my score has dramatically decreased since XXXX. I can not have my exceptional credit score put in jeopardy due to identity theft. 
I have filed a dispute through XXXX as well. Hopefully once this fraudulent account is removed from my report, my score will improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/21 I was denied access to my cash balance of {$46.00} which was deposited with my prepaid paypal cash card. I have a cash balance of {$46.00} that I want to withdraw so I can close my account. All transactions involving my account are being declined. Paypal says I am a permanently limited account holder and denied use of my account... .unable to proceed after login. I get a block that says problem with account contact support, I go to contact us ... and it says access denied. I only want the money I put in the account... It's money I prepaid. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by XXXX XXXX. I was notified of this transgression specifically XXXX XXXX XXXX The Truth in Lending Act by XXXX  XXXX ( XXXXXXXX  ) on XX/XX/2021 on their website after completing my pre approved online application. I as a natural person was harmed by XXXX XXXX adverse action taken against me denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are up to ( XXXX XXXX XXXX is now civily liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
People are using my social security number to apply for loans .. credit cards. XX/XX/XXXX. I did not apply for loan or credit card with JPMCBcredit services. Someone applied on XX/XX/XXXX. They have my SS number and name. Someone also tried with XXXX XXXX XXXX. A personal loan 2 months ago. I tried to put a freeze on my SS number. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened a Secured credit card with Capital One XX/XX/2021. I sent in {$1000.00} for my credit limit. I have NEVER been late on my payments and have kept the credit utilization down as I purchasing my first home, that they have now impacted and I was denied. XX/XX/2021 I went through a third party to " reserve '', not purchase a hotel room. This company has a policy of matching a lower price and refunding 200 %, which they have failed to do, but there is an attorney dealing with that. I was charged {$270.00}, but paid {$190.00} with the hotel. Capital One is failing to refund my money. They are allowing this third party that I gave no authorization to use my card full access to my funds. This goes against the FTC policy. Capital One has closed my account due to me complaining and informing them that I would be filing a complaint with CFPB. I am a single mom, with a XXXX XXXX, during a global pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
My escrow is short money. I tried repeatedly to get a statement about all monies paid into and out of my escrow account to no avail. They responded only by saying they need more time. Its been weeks now. I will call the CFPB # on Monday to talk to someone at that agency. 
If I get no help from you my next steps are the Attorney General, XXXX XXXX XXXX. XXXX XXXX, who owns the loan, and a private attorney. They are stealing money and mismanaging my account. 
Start calculating from the day you took over, XX/XX/2021. My escrow balance on XX/XX/2021 was {$2700.00} + XXXX XXXX + XXXX XXXX ( XXXX ) XXXX. 
Minus 6 mo XXXX, ( XXXX ), and XXXX taxes ( XXXX ) = XXXX THIS IS MY CURRENT ESCROW Account ending with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Nelnet, Inc.
State: TN

Complaint narrative:
I have been disputing 6 fraudulent Accts on my XXXX credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/Nelnet {$3000.00} Dept of Ed/Nelnet {$1400.00} Dept of Ed/Nelnet {$4300.00} Dept of Ed/Nelnet {$8400.00} Dept of Ed/Nelnet {$4600.00} Dept of Ed/Nelnet {$10000.00} I have sent notarized letter to Nelnet , copy of SScard, picture of ID so they could analyze my signature, Police report to XXXX and Nelnet to prove Identity theft and these accts still remain . These accts are NOT mines please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and in submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a alleged debt. On XX/XX/2021 I was a personal checking account due to fraudulent information being reported on my credit file by EARLY WARNING SERVICES LLC has been reporting without my consent or proof of alleged debt. I was notified of this transgression of my rights specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, by EARLY WARNING SERVICES LLC.I as a natural person was harmed by EARLY WARNING SERVICES LLC. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { {$5000.00} }, civil damages for 15 USC 1692 ( j ) are up to { {$1000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ill XXXX Has been sending me notice balance {$910.00} .The collection has reported as a pass due balance. I dont know this company. I never did any business with this company.This company doesnt have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing a complaint against Transunion.com. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by XXXX points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. TransUnion is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.

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 2021-11-12 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: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, RENT DEBT AUTOMATED COLLECTION , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 


Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft Account XXXX XXXX ( {$34000.00} ) XXXX XXXX XXXX XXXX, OR XXXX Date Opened : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report. 






Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 2.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I believe my mortgage servicer, Freedom Mortgage of Indianapolis, IN, conducted their annual escrow account analysis incorrectly and have attempted to collect a higher monthly amount than I legitimately owe. I spent one and one half hours on the phone explaining to their agents the source of the error but the agents on the phone clearly did not understand the analysis. Since then I have written two letters to them, detailing the problem but after taking two months to respond to the first letter and another month to my second letter, they still have not even attempted to understand or acknowledge the source of the error. In the meantime, they have continued to hit me with monthly {$130.00} late fees even though I have been making my principal, interest, and undisputed escrow payments in full and on time. The monthly escrow amount in dispute is only {$85.00} so it seems rather unreasonable to continue to charge {$130.00} late fees while they are taking as much as two months to respond to my letters. The letters are unsigned and I have not been put in contact with a named individual with contact information in order to have a chance at understanding each other 's positions. Now they are sending me foreclosure notices on my property. I am starting to think Freedom Mortgage intentionally scams their customers by artificially boosting escrow payments to help pad their bottom line. And then they try to bully them into compliance with foreclosure notices and submitting bad credit reports.

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 2021-11-12 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing a complaint against XXXX. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by 7 points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. XXXX is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021, Experian closed my complaint ( XXXX ) stating that the information I provided for my dispute was inaccurate and did not appear on my credit report. Experian has not only allowed companies to fraudulently open account without my knowledge and consent, and to make matters worse Experian did not and does not have my permission to make or furnish my credit report, but now Experian is falsifying information. The information I am disputing was on my credit report as of XX/XX/2021 and I will attach a picture to prove this. 

Since Experian has allowed this information to be viewable on my credit report, I am held back from seeking credit elsewhere as my scores will steadily decline. Most important, the credit line I was seeking to obtain was denied because it appears as if I have too much debt in personal loans. This account has limited my purchasing power.

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