vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020 and on XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Hello, i opened my account with Chime.com on XX/XX/XXXX. I deposited {$5000.00} into the account. However, my circumstances changed and i closed the account on XX/XX/XXXX. At the time of closing, i was told that i will get my check in 3-4 weeks - while this is very unusual, I had no choice but agree to it. I did not get my check by XX/XX/XXXX. I've sent multiple emails to customer service plus discussed on the phone - I keep being told everything is being expedited, but I still dont have my funds as of XX/XX/XXXX. To add, I don't understand what else i can do as my numerous emails and calls are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXX ( Opened XXXX. XXXX, 2016 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-12 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: World Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I send World Finance a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with XXXX XXXXXXXX XXXX and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am simply tired of this company reporting false information I have told them several times the names doesnt match nor the address Ive never applied nor lived at address they still wont remove these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I have been getting almost daily calls from Auto Trakk , LLC for someone who is not me. The calls started when I got a new number approximately XXXX of XXXX. After a few calls and speaking to a supervisor, I stopped receiving calls XX/XX/XXXX ; however, the calls have started again. I received phone calls on XX/XX/XXXX and XX/XX/XXXX. I returned the call on XX/XX/XXXX leaving a voicemail notifying them again that they had the wrong person and I was not who they were trying to contact. 
I received another call on XXXX where I spoke to an employee and told them I was not the person they were looking for and to please stop calling. Employee stated they would not call again. 
I received another call on XXXX, where again I notified them I was not the correct person and to stop calling my number. Employee again apologized and stated they would not call. 
I received another call on XXXX, where I asked to speak to a Supervisor. This supervisor stated he would make sure the calls stopped. 
Since speaking to a Supervisor, I have received calls on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
Please look into lenders. I would like you to look into how lenders are boxing out low income families during this period of low rate mortgages. Lenders are being listed as FHA lenders who should only require a XXXX XXXX of XXXX. However, lenders like Pennymac Loan Services and several others have raised their requirement to XXXX despite the FHA requirement. Other lenders, per a XXXX XXXX XXXX, have raised their requirement to as high as XXXX. This is a personal affront to families trying to take advantage of the low mortgage rates who may not meet the conventional standard. These lenders are using conventional standards for FHA loans. They should not be allowed to use FHA standards to advertise or lore in consumers. This is not fair to families who would be able to own their homes under the FHA guidelines. They are now being boxed out of the market. Shame on XXXX and many other lenders. During this time of hardship, to be adding more hardship so freely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I bought my home in XXXX of XXXX and financed with XXXX XXXX XXXX who subsequently sold the loan to NEWREZ.In XXXX of XXXX I began the process of refinancing my 4.375 % loan to a 2.875 loan with XXXX XXXX XXXX when the problem began with NEWREZ.My loan was set to close and NEWREZ wanted {$2500.00} more monies than they were due for forced placed insurance that i didnt need and escrow shortage that didnt exist.I have a condominium with a master policy and they had the policy and we resent it again and again. 

They refused to adjust the pay off and sent an escrow analysis increasing my monthly payment by {$540.00} to cover insurance that doesnt exist and an inflated tax escrow, so i couldnt refinance and I cant afford the higher payments. 
Either I or my XXXX XXXX XXXX or the closing attorney called, emailed, faxed numerous times in XXXX, XXXX and XXXX to rectify this to no avail. 
Conversations were had with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX # XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
NOTICE OF XXXX XXXX SEEKING RELIEF AND XXXX XXXX UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target red card refuse to update balance on my credit report! Claiming theyre unable to change!! Im on a payment plan! I Try to make a phone payment on XX/XX/20 and XX/XX/20 but the service unavailable due to the holidays!! Made it a payment on XX/XX/20 ( no store branches in my town ). That shouldnt be reported late!! Because the payment was made it next business day!! And they need to update the balance of two billing cycles!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: I.C. System, Inc.
State: FL

Complaint narrative:
I.C SYSTEMS PROVIDED AN ATTACHED ACCOUNT OF VEFIFICATION FROM XXXX. CLAIMING IT TO BE VALIDATION OR TRYING TO MAKE IT LOOKS AS IF IT WAS VALIADITION FROM I.C STSYEM TO COLLECT SAID DEBT. WHICH IS NOT WHAT I REQEUESTED OR ASKED FOR. I ASK FOR PRROF OF CLAIM AND A ORIGINAL CONTRACT WITH MY SIGNED NAME BETWEEN ME AND I.C SYSTEM. THIS COLLECTION COMPANY DOES NOT HAVE VALIDATION OF AANY SUCH THIS TO CONTINUE TO LEGALLY ATEMPT TO BOTHER ME.

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 2021-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
This is in regards to my account with XXXX XXXX XXXX Account # XXXX. The reason for this complaint is in regards to a late pay reporting in XX/XX/2020 and XX/XX/2020. Due to Covid I was unable to make the payment which caused me to be late. As soon as I was able to I got the account paid up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: DE

Complaint narrative:
I have reached out to transition on several occasions. I reached out in writing in XXXX and again in XXXX. Transition is still reporting incorrect information. Compared to my other credit scores, transunion is a much as 40 points off. That is a significant difference caused by them not removing paid items or other items that they have not sent me the requested documentation for.

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 2021-01-12 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: DISCOVER BANK
State: IL

Complaint narrative:
This company is still reporting Ive tried to dispute and spoke with company still will not remove my name is XXXX XXXX XXXX I never applied for this account and Ive never lived at address they are reporting I would like to get this items removed as this isnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX enrolled at Indiana University XX/XX/XXXX left Indiana University for financial reasons and they forgave most of the semester tuition except {$4200.00} I paid it down to {$3600.00} in XXXX and had to stop for financial reasons. 

Was placed with a collection agency Recovery Management Services XXXX XX/XX/XXXX paid {$3600.00} toward the {$3600.00} outstanding obligation to IU but was told I owed another {$1500.00} in collection fees? 

XX/XX/XXXX inquired about the fees and requested a statement from IU and discovered they only paid IU {$2500.00} and not what was owed and have a seperate line item for collection fees of {$460.00}. I inquired with them why they only applied {$2500.00} and not what I had paid and they said it doesn't matter what the statement said, I owe the {$1500.00}. I offered to pay the {$460.00} and they said I would still owe the balance ... i refused help..these collection agencies are criminal

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NM

Complaint narrative:
I have had a Brinks prepaid MasterCard since XXXX of last year. Without warning I was told that risk management was closing my account and would not explain why. I called back several times to push the issue and was told that they did not have to explain to me why my account was closed. They consistently let charges that I disputed before go through and then closed my account for suspicious activity. I was so upset. Because I disputed charges should not be grounds to close my account. Furthermore I was told that I could never open a net spend account again I had to a file formal complaint of identity theft with the FTC and wonder if I am being unfairly dealt with because of it. 

Does this have any negative affects on my credit??? 

How can I be sure that this company is truly legitimate? 

I also believe that charges that should not have been charged are due to me. Including fee over charges. 


Please advise. 

XXXX XXXX XXXX XXXX  XXXX XXXX, NM XXXX 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 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my 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 2021-01-12 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: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
A man claiming to work for a office of XXXX XXXX and associates called my work and harassed me for a debt I dont recall over 5 years old. Called him back to ask to stop and he continued to threaten calling my works ex owner, bosses and others when I asked for proof and paper work. When confronted on why he was using a masked number he became very aggressive and agitated. He continues to threaten people who have nothing to do with said issue in hopes to make me pay something and go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Report shows late payment not correct

Company response to consumer: Closed with explanation