vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: LoanCare, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX reported a derogatory mark on my payment in XXXX stating it was 30 days overdue. I have documents supporting both XXXX and XXXX payments were made on time which I have submitted to the company and they will not remove the late payment. I am trying to refinance and am waiting for this removal to do so as it greatly impacts my credit score. I raised the original issue with XXXX XXXX  in XXXX to which they replied there was not enough information ( I submitted proof of payment for both months just in case ). 

It is very difficult to get in touch with a representative for customer service and they do not allow credit dispute over the phone which creates a very lengthy and unnecessary process.

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 2021-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Hello I recently had a account with Prestige Financial Services , Inc. I was under the impression I was a co-signer on a car but actually I was the owner. I was trying to help a friend out. Once she started falling behind on the payments I started getting harassed by phone and email also at work. I pleaded with them to pick up the car talked to numerous of managers. She they told me no since she was making payments. But if Im the owner what I say should go. Regardless if she made the payment. I even worked with them to locate her so they can pick it up. Still nothing and this goes back since XX/XX/XXXX. I informed them to please pick the car up since she didnt have a driver license anymore. They still refused too now were in XXXX and I have a charge off on my account. Due to bad debt/natural disaster. That is stopping me from progressing in life. From buying a house, car, business loan etc. If anything I should have a repo not a charge off since they sold the car anyways. I gave them written consent to pick up the car I have plenty of emails stating my case the account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I'm Very Upset About this situation that I'm Dealing with Identity Theft someone is using my personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: DE

Complaint narrative:
My mortgage is with Arvest Central Mortgage Company ( unfortunately ). I have biweekly payments set up through my bank to pay my mortgage. Every month I have to call them and ask them to apply my payments to my account. I set up my payments this way because it helps me to budget better month over month and with then intentions of paying my mortgage down faster. I have inquired about biweekly payments with ACMC, but the require a {$200.00} down payment and the charge 3 % per payment. Theyre already charging me interest on my mortgage, but they also was to charge me interest to make a payment. I find this extremely unfair and unconstitutional. 
Please have the OCC or XXXX  audit this process. I have worked in the financial industry for almost 20 years and have never experienced a process as such. This is not fair or responsible banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and  XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: KY

Complaint narrative:
I have made every attempt possible to ask this company to stop reporting inaccurate counts on my credit report. I have sent letters, made phone calls. This company could care less about the impact they are having on my life. I have been disputing these accounts for years with no luck or cooperation from this company. i have ask for documentation and proof and have yet to receive anything.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
The Company Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WA XXXX. 
Debt is a balance of XXXX $ from which I have no Idea where. 
I have called to have this resolved but they can't speak to me because they can't verify my social security number. The one they have is not mine. I have disputed this through experian twice and Receivable Management validates its my debt. A previous collection company had this debt and removed it immediately when they could not verify me over the phone because the social they have is not mine. The address they have is not mine.The debt is not mine. I have been trying to resolve this for a year. 
I call XXXX and the last rep I spoke to was XXXX XXXX I have called and asked my rights but they can't help me because they can't verify me. I keep getting told I will get a call back from " Quality ''. I never get any communication. Written or Verbal. 
I have communicated by : Certified letter that was refused Emailed them, calling in, and disputing via XXXX Credit Services

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capitol one to let them know I was going to have a difficult time keeping my 3 credit cards current with them. They assured me it would not be a problem and that due to Covid, they would not put any " late '' penalties on my account. They also indicated that this would not alter my credit. Well fast forward from XXXX to now and I am completely caught up with all of the credit cards and have a significant of credit available. However, my score has not improved. Come to find out they were dinging my credit score with 30x, 60x, 90x and even one 120 day late. I called them and they basically told me to pound sand. Given the pandemic, do I have recourse to get them to erase those lates? I am not looking for any break in fees or the amount due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: MA

Complaint narrative:
Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of XXXX Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.

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 2021-01-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX reported a derogatory mark on my payment in XXXX stating it was 30 days overdue. I have documents supporting both XXXX and XXXX payments were made on time which I have submitted to the company and they will not remove the late payment. I am trying to refinance and am waiting for this removal to do so as it greatly impacts my credit score. I raised the original issue with XXXX XXXX  in XXXX to which they replied there was not enough information ( I submitted proof of payment for both months just in case ). 

It is very difficult to get in touch with a representative for customer service and they do not allow credit dispute over the phone which creates a very lengthy and unnecessary process.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My checking account with Suntrust is closed without any information. Its been closed for over 2 months now. I call every week for an update and they do not have any. That was my only bank account i used for everything. It caused an inconvenience for me because i used that to pay all my bills. I was left with nothing.

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 2021-01-26 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: NY

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2021, received message from XXXX XXXX XXXX, that my credit file just received a credit inquiry and I knew it was not me. 
The inquiry came from SYNCHRONY/AMAZON, phone XXXX, after about 30 minutes of going thru all different departments, I was told to ask for a CUSTOMER CARE AGENT, explained to them and they sent me to their INVESTAGATION DEPARTMENT, I spoke to a man named XXXX, he took all my info. and agreed with me that my inquiry was from a fraudulent individual. XXXX told me they would send a message to XXXX XXXX, telling them that they are DELETING their credit inquiry, and ask that XXXX XXXX likewise remove the inquiry from my report As of todays date XXXX XXXX, 2021, XXXX has not received word from SYNCHRONY BANK!

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 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE ARE INQUIRIES I DID NOT AUTHORIZE AND ANACCOUNT THAT I WAS NOT LATE ON

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 2021-01-26 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: FL

Complaint narrative:
I figured out in my credit report accounts that I have never authorized and plus simply I do not recognize them. This is illegal and highly detrimental to my credit rating. So please recheck and investigate and remove all of them as I can not move in in my life when I have unknown information in my credit report. I am very distressed now. The items must be deleted from the report as soon as possible.

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 2021-01-26 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: FL

Complaint narrative:
I figured out in my credit report accounts that I have never authorized and plus simply I do not recognize them. This is illegal and highly detrimental to my credit rating. So please recheck and investigate and remove all of them as I can not move in in my life when I have unknown information in my credit report. I am very distressed now. The items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
I Check my credit and i notice that there are Accounts that I did not give any Consent to I need information On How this was allowed to Happen I need this off my personal Credit

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
The caller claims to be Credence Resource Management, a debt collection company. 
The caller claimed I owe {$210.00} on my XXXX XXXX XXXX account, and the debt was generated from XX/XX/XXXX to XX/XX/XXXX. 
I didn't have an account with XXXX XXXX XXXX until XX/XX/XXXX, and because it's a prepaid account, it's impossible for me to owe money to XXXX XXXX XXXX. 
The caller knows my name and my address, but refused to repeat my SSN to me over the phone. 
They called me three times so far regarding the same issue, on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. 
I confirmed with XXXX XXXX XXXX that I do not owe money on my account. 
I wasn't sure if I am a victim of identity theft, or the caller is a scammer. 
On the third call, I told the caller I dispute the debt, and demanded them to mail the proof of the debt to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I was contacted by XXXX XXXX from XXXX XXXX XXXX on XX/XX/2020 in an attempt to settle debt from CashNetUSA for the total amount of {$870.00}. I agreed to pay {$320.00} on XX/XX/2020 and then make payments of {$150.00} beginning on XX/XX/2020 until the debt was payed in full. 
They have now taken {$390.00} more than I agreed to pay for. The payments in my bank statements are under XXXX XXXX XXXX XXXX  RF # XXXX XXXX XXXX NY. 
Every time I try to contact them, I am told to leave a message but I am never contacted back. I know they are taking advantage of me but I dont know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was incorrectly reported by Bank of America for suspected fraud activity which currently is stopping me from opening bank accounts. My employer gave me a check to deposit, but the check bounced. No amount of funds were taken out of the account, nor do I owe the bank any funds because of the bounced check. This occurred on XX/XX/2016, and the account closed on XX/XX/2016.

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 2021-01-26 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Incredibly XXXX XXXX literally refuses to follow the FCRA, FCBA, or any Federal or state law governing billing disputes. This case is as defiant as you will ever come across concerning a financial company 's willingness to follow the law. There can be zero doubt XXXX XXXX is aware of the law, aware how they are in violation of the law as numerous emails, complaints and phone calls have been made to this reckless and defiant company, including to the CEO himself XXXX XXXX, and other board members. There is no other way to read there defiance but as a direct XXXX XXXX to Congress, the CFPB and the Courts. 
XXXX XXXX does business in America, they Profit off of Americans, but they have decided to ignore the laws, probably because they do not have any respect or fear for Congress or the courts. 

Since XX/XX/XXXX, I have had a dispute concerning a XXXX unauthorized charge in the amount of {$1000.00}. Although XXXX XXXX continues to have the investigation open they have been reporting the {$1000.00} as part of my balance to the credit bureaus. Which also places my account over the limit. The correct balance should be reflected as {$430.00}. As a result I have been denied credit including a mortgage and SBA PPP loan. 

XXXX XXXX claims they have contacted XXXX concerning my dispute, However I have contacted XXXX on several occasions asking for information concerning my dispute, each time XXXX has contradicted XXXX XXXX claims, stating XXXX XXXX has never contacted them concerning my dispute. If this is true and it likely is, they should not be in business and the CFPB should sanction them as a message to deter other financial companies from this egregious behavior. I have attached a recording of one of those conversation which happened on XX/XX/XXXX Further, as you will see in the attachments, XXXX XXXX had updated the 3 credit bureaus on XX/XX/XXXX than a week later deleted that update however leaving the XX/XX/XXXX information they furnished. 
XXXX also continues to charge me interest on the disputed charge. 
This complaint will be shared with members of congress, and the Mi. Attorney General and XXXX XXXX XXXX who I intend to retain in the upcoming weeks as soon as the finish reviewing my case. Note : I XXXX they can keep 100 % of whatever amount they may 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 non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
there are numerous unauthorized inquiries and an account I was never late on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
MY NAME IS WRONG AND 1 PREVIOUS ADDRESS IS WRONG

Company response to consumer: Closed with explanation