vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: NY

Complaint narrative:
These accounts must be DELETED. Equifax has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Equifax is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These two accounts listed above Must be DELETED. Equifax is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Equifax showing that these two companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Equifax must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Judgement was filed XX/XX/XXXX stating that my loan was in default as of XX/XX/XXXX. Rushmore states that the loan was in default as of XX/XX/XXXX. I entered in to 4 different modification plans I made the payments for the modifications. Despite repeated requests from the 4 Services the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and of the referee to verify the balance due I never received anything. I sent over 23 letters requesting an account verification of payments and of the amount due. In the Judgement it states the balance is {$120000.00} with a default date of XX/XX/XXXX. All the legal documents and the affirmations state the amount due as of XX/XX/XXXX is {$120000.00} and that it is accurate by penalty of perjury. accurate. They also feel that they do NOT have to give an acccounting of the payments because I had a Bankruptcy discharge and do not owe the money. 
This is yet again another example of how poorly they keep records and how inaccurate their information is. First I supposedly had the debt discharged in XXXX of XXXX and again in XXXX of XXXX. I NEVER HAD A BANKRUPTCY DISCHARGE the bankruptcy case I filed was DISMISSED NOT DISCHARGED perhaps they should have better training to understand the difference. Up until recently, I could not verify any payments because what I was repeatedly sent was so small no one could read it. They admit receiving one payment, yet I have provided a copy of a check for {$2500.00} for payment on the modification. I have sent copies of electronic withdrawals from my bank account for the payments that are CLEARLY REFLECTED AS CASH PAYMENTS ON THE LEDGER. Yet they still claim no payments were received. A CANCELLED CHECK IS INCLUDED AGAIN FOR 2 OF THE PAYMENTS But they will IGNORE IT and say I have no proof despite the funds for all payments clearly shown going to my loan from my bank. PURE DISCRIMINATION AND FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by XXXX letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE 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 2021-11-24 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: MA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
When I signed in to view my charges Citi notified me of no statements sent to me, and that I needed a code number to view my account. I call the number that was on the pageant after XXXX calls I still have no answer and can '' t sign on to my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: PNC Bank N.A.
State: MN

Complaint narrative:
Hi I had an account with BBVA bank which was then bought out by PNC bank. 

Somehow during this transition my information was stolen and I have {$570.00} in fraudulent transactions. 

I had called PNC as soon as I saw it and over an hour long conversation the representative said they would file a claim and have the fraudulent transactions removed. Those fraudulent transactions were the only transactions on the account. 

XXXX  month later, and nothing was resolved. I called again and spent over an hour on the phone with the representative who said they would remove the transactions as they agreed they were fraudulent, restore the account to a {$0.00} balance and close my account. 

However, it is now yet again over a month later with nothing resolved. They seemed to have erased my account history, because I can no longer see the statement details, however I'm still charged the {$570.00} and I can not somehow turn off autopay or see any autopay details. So this account is still linked to my main checking account and will continue to draw funds. 

I can not even download a bank statement. 

It begs the question, how do I have a balance / activity on this account without the ability to see any previous statements. 



This bank has promised to remove these fraudulent accounts twice, and over the span of now going on XXXX  months there is no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank, sent me a Fyer that asking a certain amount to deposit on a Checking and Savings Account within 60 Days and after wait for 90 Days to get its Promo. Reward of {$700.00}. Therefore, i went to Citibank XXXX in XXXX XXXX, bring my Flyer and have interviewed and took my Driver 's License by the Bank XXXX named XXXX, she check in her Computer or System my eligibility if i can get the Promo.or not from Flyer and said am ELIGIBLE, i hand in her a Check for my initial down payment last XXXX XXXX till i completed the required Term before 60 Days and waited again for 90 Days to complete all the Term and Conditions. Actually, i completed all the Terms & Conditions last XXXX and from that date up to this date, Managers, Supervisors and XXXX whom i talked to claim my Reward of {$700.00} rejected me and ignored my claim, showing me an OLD POLICY that am not eligible for the Reward. Such OLD POLICY never shown to me by the Bank XXXX when i went to the Branch to apply for such Promo.Flyer but it accepted my Check for opening Savings/Checking. This undeniable FRAUD and SCAM by Citibank trying to manipulate Customers to transfer Money to them with a promised Reward that will never be rewarded.

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 2021-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently found out that I was a victim of personal identity theft and that I have multiple ( XXXX ) hard inquiries on my credit report that do not belong to me, due to the person trying to open up different credit card accounts. None of them were accepted but all the inquiries are negatively impacting my credit score. I let all of the crediting companies know ( XXXX, XXXX XXXX Capital One/Saks , XXXX XXXX XXXX ) but had a ton of trouble with Capital One. All the other XXXX banks were quick over the phone to discover the fake application, mark it as fraud, and file the dispute to all XXXX credit bureaus on my behalf, but Capital One insisted that they did not have a process in place for it. Instead, they asked that I fax over a photo of my social security card or passport, which I think is ridiculous. I called XXXX separate times to try to get a solution but they are the only ones who do not have this process set up, I believe I was treated unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
We Applied for for a forbearance for XXXX loans w/ Loan Care during the Covid crisis, loan # s ( on attachments ) Our forbearance ended in XXXX XX/XX/XXXX. 

We called Loan Care in XXXX, multiple times to apply for Loan Modification for both loans. 

We received. XXXX  XXXX XXXX XXXX XXXX Solicitation Offer for both. 

We followed the instructions in the plan for both loans, which is : 1. Send our 1st trial period plan payment of $ XXXX {$660.00} respectively by XXXX/XXXX & XX/XX/XXXX which we did for both, we actually paid more money. 

2. Make XXXX consecutive payments, XXXX & XXXX, which we did & are doing. 

3. Sign Modification Agreement, which weve not received yet. 

XXXX XXXX XXXX sent a letter to our tenants & us, for one of the loans, stating that were in default, that we missed payments, which we did Not. 
Proof attached. 

Wevd called multiple times to try & plead our case but, we are told to disregard the letters & are told theres an error w/ the system by some agents, but that one loan collector has said that we are in default & were still getting letters indicating that were in default. 

We did everything that was requested of us.. We should Not be in default! 

On the other loan, we seem to be ok, yet we did the exact same things for both loans. 

We also asked for a payment history for the life of our loan, about a month ago & have yet to receive it. 

They sent a payoff amount, which does Not incorporate All of our payments. 

Please help us! 

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 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
On XX/XX/XXXX, Sunrise Credit Service, added a collection to credit report. The account reference relates to a XXXX account. 

XXXX has not provided evidence of the debt owed neither any of their collection agencies. I've previously disputed this information and no-one has been able to provide the documentation related to : 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning disputing inaccuracies.

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 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
RECEIVED A LETTER ON XX/XX/XXXX STAMP DATED XX/XX/XXXX FOR GARNSHMENT LETTER GAVE ME 10 DAYS TO RESPOND BACK HOWEVER WHEN I CALLED THE SAME DAY XX/XX/XXXX I WAS TOLD THE FUNDS WERE ALREADY BEING GARNISHED AND THERE WAS NOTHING ELSE TO DO BUT PAY OFF THE BALANCE. I PAID OFF THE BALANCE AND WAS TOLD TO GIVE THEM FAX NUMBER AND THEY CAN FAX ME THE RELEASE OF GARNISHMENT IN 24 HOURS. XXXX HOURS LATER HAVE NOT RECEIVED ANYTHING AND KEEP CALLING AND GETTING THE RUN AROUND. ALSO THIS DEBT IS OVER 10 YEARS OLD WHICH IS ILLEGAL AFTER 4-6 YEARS. 
I ALSO FEEL ITS VERY WRONG TO GIVE US THE RUN AROUND WHEN WE ARE TRYING TO DO THE RIGHT THING. I ALSO EMAILED WITHIN THERE WEBSITE ASKING ABOUT PAYMENT ARRANGMENTS AND ALSO MORE INFORMATION REGARDING THE DEBT WITH NO RESPONSE BEFORE THE GARNISHMENT. THEY DID ALOT BEHIND MY BACK TO MAKE IT LOOK LIKE WE WERE UNRESPONSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLLECTION ACCOUNTS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Those accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$57.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TX

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
A credit card was open in my name in XXXX XXXX was a victim of stolen property in XXXX XXXXThe monthly statement has a different address than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: MA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account that inaccurately and erroneously reporting on my profile. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Kindly investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened XX/XX/2020 Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX XXXX, XXXX XXXX, ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. THE ACCOUNT WITH THE ACCOUNT NUMBER XXXX IS A FRAUDULANT ACCOUNT REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I went to XXXX of XXXX to purchase a vehicle using credit. I purchased the vehicle for personal, family, and household use and was financed through BMW financial. XXXX of XXXX demanded and forced me to make a {$6000.00} down payment in order to complete the purchase. pursuant to 15 U.S. Code 1605 no cash payment should have been collected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates continues to report this account to my credit report, saying it's a delinquent account. I have been making payment 's every month since they took this account over and they refuse to remove or update it on my credit report. I also continue to get calls from them about this debt. Someone named XXXX said they would leave me alone if I give them access to bank account to debit monthly payments. I told them I do not feel comfortable doing that and I have consistently made a payment every month so I don't see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
The company called. I asked for a copy of the contract. The only thing I received was a letter with a so called notification. I called the company to tell them and they proceeded to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
INCORRECT CHARGUE {$300.00} THIS ACCOUNT IS PAID IN FULL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with explanation