vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior XXXXen years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

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 2021-12-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted a fraud report with Experian for the accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I found XXXX hard inquires on my credit report without my permission. I want these removed. This has negatively effected my credit profile

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 2021-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Torriere Holdings INC
State: TX

Complaint narrative:
Spire RecoverySolution has sent me a letter stating being a debt collector from XXXX XXXX XXXX payday loan owened by Buyers Holding which I have not clue who Buyers Holdings are. Reference number : XXXX in addition this debt collector has been harassing by calling my wife saying they were IRS and calling my close family member through their cell phone my brother, Sister-in-law, Father and Mom which I don't live with any of my family member. I need this debt collection to stop calling me and other family member about this debt. their phone number is 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 2021-12-23 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
According to ( FCRA ) ( 15 U.S.C. 1681 I have the right to dispute any inaccurate information found on my Credit report. SYNC/BELK is reporting inaccurate information, I have sent several disputes on the dates stated below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  some body has used my name and also use my name in banks loans credit cards and more XXXX XXXX fraud upon my name so I'm basically bad standing with certain banks and credit cards base some scammer using my name my name is also being use over the dark web if you guys can clear my name base scammers have been using my name since XXXX i also went to XXXX court house in XXXX when the judge sent me a letter to appear in court once she seen my picture in court she's thrown this case out.

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 2021-12-23 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Made a purchase from XXXX 's using the buy now pay later company called Affirm. The purchase was for {$660.00} but was approved for {$2000.00}. Only used the {$660.00} and now Affirm is demanding that I pay them on the value of the {$2000.00} rather than the actual purchase amount. 

I returned the items to XXXX 's and called Affirm to inform them that I had returned the purchase. I was told by the representative that I still have to pay them {$330.00} even though the items are returned and I have a return receipt. 

Affirm is a fraud and taking advantage of consumers. Affirm is demanding that I pay them {$330.00} when I have returned the items, have a receipt of the items returned. 

Affirm need to be honest and stop trying to dishonestly take money from consumers when they do not owe Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have been receiving multiple calls from a phone number, XXXX, I do not recognize. My mobile phone provider blocks the phone number as it was blacklisted and reported as a telemarketer phone number. After receiving multiple calls ( XXXX ) within XXXX minutes trying to get past the call protection feature, I called the phone number back to inquire what company is frequently and illegally trying to call. The phone number is tied to a company called Credit Management , LP and I have never heard of this company. I spoke to a representative and asked for my phone number to be removed from whatever calling list it they have.

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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
The cryptocurrency exchange Gemini froze my assets without any explanation. I received a general email asking to upload a copy of my driver 's license, a picture of myself and a handwritten note of the ticket number. I did what was asked and they have yet to unfreeze my account. This company has no contact number and has been completely unresponsive. I need my assets unfrozen so I can move my funds off because this type of service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At the end of 2020, I tried to transfer the mortgage that was in the name of my late mother over to me. The bank has will, XXXX, and successor paperwork. From XXXX XXXX  2021, to present I have submitted bank statements and other financial related documentation to Bank of America, and each time the bank either misplaced it or did nothing with it. I recently received another loan packet from Bank of America to complete this process for the XXXX time this year, and today I received a letter stating that my mortgage was being transferred to XXXX XXXX XXXX XXXX XXXX I called BOA and they expressed no knowledge of this information. I called XXXX XXXX and today is XXXX XXXX, XXXX, and it is not a holiday, and the company is closed. I do not even know if this is a legitimate business. I am XXXX and I have XXXX, and it is unacceptable to me that nobody knows what is going 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 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2021-12-23 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.

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 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
My dad is XXXX, so I am paying the mortgage on his house. 

Every time I call Freedom Mortgage to pay, they come up with some new problem, and at this point, I'm wondering if it's intentional or if there is some type of scam happening. 

I paid the XXXX mortgage on XX/XX/XXXX and the XXXX mortgage on XX/XX/XXXX. The money was taken out of the same account both times. 

However, when I called to pay the XXXX mortgage on XX/XX/XXXX, they stated that they never received my XX/XX/XXXX payment and the Bank told them the account was closed. Which is not true, because they took the money out of the account, and they took the same amount out of the same account on XX/XX/XXXX, so they know the account isn't closed. Also, I talked to the bank and they said they never told them the account was closed and verified they sent the money ( as it shows on my XXXX statement ). So, now Freedom Mortgage has the money for the XXXX mortgage, they just won't give me credit for it and gave me a ridiculous story about why not.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX 2021, 15 days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me. 

In the company 's first response, they stated they're waiting for me to prove to them again that I am the owner of the account that my payments were coming from. Something I've already done. This should not be a requirement for them to send me back money they have that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/XXXX I was sent a letter stating my account was being reviewed and closed without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
Received calls from this ARS National Services from multiple phone numbers on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). Phone numbers include XXXX and XXXX. 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for reference number. 

I have never received mail from a debt collector or any reference number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep is also on recording lying twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ). 

The calls have persisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc.
State: NC

Complaint narrative:
On XX/XX/23 I left a voicemail requesting that the company verify their name, address, and professional license number before proceeding to discuss a debt. 
The representative who called me back falsely alleged I owed over $ XXXX and refused to provide a professional license number with which I could verify their legal standing to collect debt in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Renton Collections Inc.
State: WA

Complaint narrative:
RENTONCOLL XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$2700.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — 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. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( 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 809b per the FTC opinion.

Company response to consumer: Closed with explanation