vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted ONE MAIN concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. ONE MAIN has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: PA

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT SYSTEMS would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Companie 's response : " The XXXX XXXX Police Department ( XXXX ) was called to your residence because we received numerous emails from you that mostly contained verbal threats and curses. Because of this we contacted the XXXX to perform a welfare check. We take full responsibility for this mistake and apologize for any inconvenience this has caused you. '' 1 - They do not say how are you taking responsibility, or if the people who made this decision are being held responsible. 

How are the XXXX  taxpayer dollars being reimbursed? How are we being made whole? 

2 - I dont live in XXXX XXXX XXXX You can not even get basic info correct. 

3 - what THREAT did I make? EVER? SHOW ME. 

You XXXX LIAR. When you cost someone XXXX in refi interest savings from incompetence or maliciousness, you WILL PROBABLY GET CUSSED AT. 

4 - I told you 50 TIMES I was OUT OF THE COUNTRY. WHY would there be a " wellness check ''? I am doing WELL. 

YOU called the POLICE to HARASS my TENANT OVER DEBT that you REFUSED TO allow me to pay by not correcting the balance AND INCORRECTLY PLACING MISSED PAYMENTS DURING FORBEARANCE ON MY CREDIT REPORTS. 

That cost me the chance to save {$1000.00} in MONTHLY MORTGAGE PAYMENTS starting in XXXX. 

Multiply that over the remaining 25 years. 

YOU used the XXXXPD as your personal XXXX to harass my tenant while I TOLD YOU I WAS OUT OF THE COUNTRY. 

How could you find a " threat '' in those emails ( SHOW ME ANY THREAT ), AND NOT ALSO SEE THE INFO THAT I WAS NOT IN THE COUNTRY AT THE SAME TIME.

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 2021-09-23 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account with Suntrust bank was closed on XX/XX/2021 with XXXX inside legally earned and when I contacted the bank their response was that it would take 90 days for them to mail me a check since they were conducting an investigation on my account. After the 90 days went by I contacted them again and they told me they mailed me a check the week following my account closure and that the check was cashed on XX/XX/2021 on the Suntrust branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. After that, I Immediately contacted the bank and created a dispute and another investigation was issued for the check that I was owed for the amount of XXXX $ since it was cashed by another person that it wasn't me or my son since we are the only authorized users of the previously mentioned closed account. The fraud case number for the bank is XXXX and it's been more than one month since this started and they told me they would check the surveillance videos with the bank and no advancement has been made on their part to return me my money. I already filed a police report and reported the issue to my condo management office in order for the process to be completed.

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 2021-09-23 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:
Theres random addresses i do not live at or have never lived there in the past appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MERCHANT AND PROFESSIONALS would verify the debt. So I took it upon myself to ask MERCHANT AND PROFESSIONALS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Nelnet, Inc.
State: CA

Complaint narrative:
I filed a dispute with XXXX in regards to the incorrect items reported on my credit report. It has been well over 30 days with no investigative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DIVERSIFIED ADJUSTMENTS SERVICE would verify the debt. So I took it upon myself to ask DIVERSIFIED ADJUSTMENTS SERVICE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: AR

Complaint narrative:
I noticed that I have a collection on my credit report so I reached out by phone to the collections agency to get verification of the debt. They refused to send a letter out and continually asked me for PII that I refuse to provide since I am unsure if this debt is even mine and am concerned they are gathering information in order to try and tie a debt to me that I do not actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: GA

Complaint narrative:
The company involves XXXX XXXX XXXX XXXX XXXX. Georgia . I have paid there bills through numerous collection agencies and they seem to be repeating themselves. I have not been to an emergency room in a year. They're recent collection agency is : Elevate Collections XXXX XXXX  XXXX XXXX XXXX, TX XXXX It's beginning to feel like extortion! Every time my credit score seems to improve I get a collection notice from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
After several attempts to get this Situation resolved I am still having this reported to my credit report!! On XX/XX/2021 I submitted a complaint with cfpb about the account XXXX XXXX balance XXXX high credit balance XXXX and reported as an repossession, the information on my report is reporting inaccurate in several different ways on my Equifax report!! XXXX XXXX XXXX XXXX both seen the inaccuracies and removed them from my report as Ive disputed this issue with Equifax several times and no response or anything Ive also spoken with a Representative and they also stated they have all my correspondence and none sent back out on their end!!! At this point I am considering an lawsuit against Equifax for failure to comply with FCRA rules and regulations to verify or validate the disputed item on my credit report if the issue isnt resolved immediately i demand validation the original contract that represents the same thing that is being reported to my credit report that was used to verify the account for you all to still have it reported to my credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This issue is NOT IN LITIGATION In XXXX of 2021 a conversation was held between myself XXXX XXXX XXXX and attorney XXXX XXXX XXXX of XXXX XXXX, XXXX the JP Morgan Chase Bank, NA representative where this attorney does in fact represent also XXXX XXXX whom I requested 2 FOIA 's on in the past few years, that have STILL gone unanswered by Fannie Mae. Please see the affidavit by myself XXXX. 

I have just received TODAY in the postal mail a payoff quote which I DID NOT REQUEST!!! This representative of Chase refuses to answer the obligated by law to answer the FOIA 'S and instead has sent me a payoff quote while not only violating the FOIA laws but also breaching many rules/laws as an attorney. This attorney Needs to answer the two FOIA 's!!! JP Morgan Chase Bank, NA can not ignore the laws!! nor her!!! This is NOT in litigation and Chase refuses to stop ignoring these NEW identified crimes NOT IN LITIGATION!!! YET!!! 

In addition this is an obsolete mortgage as of XX/XX/2021 on top of the Promissory Note And the Mortgage papers are photocopied and forged!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One has been spamming me with their ads for almost 2 weeks... often as many as 3 ads per DAY! 
Their ads do NOT have the delete or block option available ... .so I see their UNWANTED garbage and must delete each ad ... ..enough OF this already. I want those ads STOPPED... .permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America placed my account into a fraud account do to not having enough money in my account, I was never told that my account was fraud until I tried to open a account with XXXX XXXX. this is defamation of my character and I am not happy because I have never done anything that was fraudulent.

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 2021-09-23 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: GA

Complaint narrative:
On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX  ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.

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 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Due to Covid i became unemployed for the first time in my life. I had to put my property into forbearance. Once I became employed again ( after 6 months on unemployment ) my income is less than it used to be. I used a company to help me request a loan modification from my lender Mr Cooper. The modification offered is minimal and does not help me for the following reasons : 1. My income has been reduced for the forseeable future 2. The " modification '' is a minimal savings- only {$100.00} per month 3. The cost of the modification ( charged by the company i hired ) divided by the {$100.00} savings would take me 8.5 years to recoup 3. The modification extends my loan to 40 years keeping me in debt longer for a situation i did not cause that was completely beyond my control ( covid ) 4. The interest rate has not been reduced at all- they are keeping it at 4.625 % when rates are now much lower 5. They were overcharging me {$310.00} per month on my escrow bill for several months and the multiple requests i made to get it corrected ended up in a dead end 6. Due to them not correcting my escrow account i had no faith they would be easy to work with on a modification so I then employed a company to help me with getting a modification.

7. If i reject the offer Mr Cooper has made, they have already stated they refuse to let me submit again and said they will short sale my home. If i accept the offer, i have to pay the company i hired for minimal savings on the loan payment that will take me years to recoup.

Based on the factors listed above and under the extreme circumstances created by Covid combined with the low interest rate market I don't feel this is a fair offer. I feel what Mr Cooper has offered under the current
circumstances is the bare minimum and has put me in a position where i must accept the minimal terms or lose my home. Which means because i don't want to lose my home, that i just have to accept whats offered. It has put me in a difficult and vulnerable position, when i was already in a difficult position due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies.

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.

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 2021-09-23 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: NY

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation