vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
have an account with both XXXX XXXX and XXXX 's clothing store overseen by Comenity Bank. 
On XX/XX/XXXX. 2021 I looked on both XXXX XXXX XXXX 's website to see what my payment for that month was. I find a letter on each site, show my credit limit was decrease due to my credit report. I would not had looked at website I would not had know why. 
Also change me a late fee on both account. 
Didn't gave me my XX/XX/2021 XXXX. 
Nor receive the XXXX I order which the company say was on back order and i would recovered it in XX/XX/2021 Item : XXXX XXXX posture XXXX order # : XXXX ( I did have a problem with XXXX XXXX XXXX  but after filing a complaint with CFPB they reopened my account because the were at fault. Thank you for that and my negative report from them has been reversed. 
Never had loan or real estate when I was approved for credit. Never had bankruptcy. 
Only problem with XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Card was charged for something you did not purchase with the card
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
All charges where valid til XX/XX/2021 at XXXX I began seeing confirmed text messages of unauthorized transactions as follows : XXXX PST XXXX charged to Emerald  card XXXX PST 486.00 charged to Emerald Card XXXX PST  XXXX charged to Emerald  Card XXXX PST 306.00 charged to Emerald  card I was at work and left to locate nearest XXXX  Back to extract all remaining funds with a teller in an attempt to avoid further loss of funds from pre-paid federal stimulus funds on card. The teller at XXXXXXXX XXXX  XXXX XXXX XXXX in XXXX XXXX, CA XXXX agreed it was suspicious and got her manager to approve a full withdraw. Since atm has a limit and the fraud could continue if funds remained. I made three final transaction and got text records with left the card open and zero funds on balance. I then contacted the call center XXXX to report the unauthorized activity. After several dropped/disconnected calls of what sounded like the same voices on rotation, I finally got approved for fraud investigation ( team ) initiated XXXX XX/XX/2021. Only after two business days, XX/XX/2021 at XXXX I received a brief text message denying lability and concluding a non-reversal decision to the investigation. 

I immediately appealed the decision at XXXX XX/XX/2021. I have yet to hear of any follow investigation status to date. I also reported the activity to the IRS and HR Block. 

I'm utterly displeased I was a victim in a breech of cyber purchases or related with large chunks of funds missing in under 5 minutes time. The criminals seems to had activity access inside of the merchant or H & R block to gain access to my card which was rarely use inside any retail stores. 

It remains a unfair loss for me and my family during our opportunity to rebuild post pandemic status at the expense of someone else 's criminal intentions to steal. Also, negligent on the service depart hired to represent the Emerald card and merchant to its millions of customers. Sadly failure to maintain, protective and serve its members with highest security measures would be front line scope during a pandemic preventing any further financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NC

Complaint narrative:
XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute

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 2021-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor

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 2021-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Sent notice to company on XX/XX/2021 and again on XX/XX/2021, and I have yet to received a response. I have disputed this debt several times with both the company and credit bureaus, yet the inaccurate information still remains on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: NC

Complaint narrative:
XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor

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 2021-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I would like to file yet another complaint against my mortgage servicer by the name of PENNYMAC. This is a very despicable company and I believe they are deliberately and wanton willfully refusing to remove unsubstantiated late payment in which I was on a forbearance plan during the time of the late payment reporting. I spoke with some person name " XXXX '' not sure if that is his real name because he is a LIAR. He has given me false expectation and I truly believe he didn't even look into my situation wherein I was on a forbearance plan during XXXX and XXXX and modification during XXXX when I was placed on notice to deploy for active duty. This company is deliberately causing duress and economical and familial harm to me and my family as they are being allowed to place derogatory information wherein I have multiple documents to show I was on a forbearance plan and my mortgage should have NEVER been reported derogatory. It appears this company has a deliberate and illegal way of dealing with their customers as while deployed they NEVER paid my property taxes and when they did I had to contact the CFPB in order for them to do it and they put the balance paid on my taxes wherein they were in TOTAL violation of RESPA when they finally paid they put the amount they paid as a PAST DUE AMOUNT on MY CREDIT REPORT AS IF I WAS $ XXXX due and WILL NOT REMOVE IT AS THIS WAS NOT MY FAULT IT WAS THEIRS..PLEASE HELP ME AS MY PLEAS ARE FALLIN GON DEAF EARS WITH THIS COMPANY AND I HAVE NO OTHER CHOICE BUT TO LITIGATE THIS COMPANY FOR FRAUD, WILLFUL VIOLATE OF RESPA, FCRA , SCRA ad many other federal laws I am sure., I don't want anyone from their company contacting me as the guy " XXXX '' is a liar who set false expectations and deliberately look for ways to refuse to CORRECT MY CREDIT REPORT WHEN THEY ARE WRONG! My ATTORNEY HAS SENT LETTERS AND THEY REFUSED TO RESPOND TO LEGAL COUNSEL AS WELL. THIS IS THE ONLY NEGATIVELY REPORYTING CREDIT and they are willful and wanton to cause me financial harm especially during a pandemic and as returning home XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX This company sold our loan to XXXX XXXX XXXX and the entire process was a terrible experience for us. A principal payment was lost during the transfer and they have made little efforts to acknowledge my request for a complete payment history of our account. 

The new lender is not acknowledging the issue and have been difficult to deal with. 

Request immediate assistance to mediate the issue and force XXXX to work with XXXX XXXXXXXX XXXX to find the payment, post it to the correct date, and adjust additional interest charged for not posting the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: VA

Complaint narrative:
I am a XXXX. I have been trying to have my XXXX sister 's and my credit separated by Equifax for years. I'm so upset and frustrated. I managed to get XXXX and XXXX to separate our reports years ago. It has been a nightmare trying to get my credit separated through Equifax. I sent 3 letters of dispute/dissociation to Equifax, one in XXXX, one in XXXX, and another in XXXX to no avail. I have sent the documentation requested including evidence of my accounts and current address with background information that supports that we are two different individuals with different lives. I have been in contact with representatives that have lied and assured me that our reports would be or have been separated. I will be consulting with a lawyer about my options because at this point it's stopping me from moving and or making life-changing purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from LVNV FUNDING LLC. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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:
I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The late payments on my credit report show as of XXXX 2020 and XXXX 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and XXXX loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.

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 2021-04-17 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: NJ

Complaint narrative:
The late payments on my credit report show as of XX/XX/2020 and XX/XX/ 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and Caliber loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The late payments on my credit report show as of XX/XX/2020 and XX/XX/2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and Caliber loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.

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 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from XXXX XXXX XXXX. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.

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 2021-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I was making payments and the car got repossessed so i got it back by buying it back from the auction it was at and the car came back with so much damage and i called the tower and reliable credit asking for some compensation it was effecting the way it drove and it was not safe they never got back to me and told me there was nothing they could do about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This complaint has already been file on XX/XX/2012 I am sending documents.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted FTC report # XXXX on XX/XX/XXXX disputing XXXX XXXX XXXX on my Trans Union credit report. The account was removed from my Trans Union account on XX/XX/XXXX, however, the account reappeared on my TU credit report once again on XX/XX/XXXX. This time the account status displays as a joint ownership instead of the previous individual owned account status. This account does not belong to me nor am I a joint or co-owner to this account and I'm once again requesting its removal. 

Extracted from a certified Affidavit sent to XXXX XXXX XXXX which they received on XX/XX/XXXX, and have yet to responded : XXXX XXXX XXXX must herein provide a true and certified original of the audit trail under penalties of perjury of said accounts, Pursuant to 15 USC 1692G of the FDCPA. Furthermore in order for XXXX XXXX to validate please provide verification through debt entry in accordance with XXXX, BASEL 3 accord and the XXXX Conventions. I would also need a certified copy of an original contract with my wet ink signature between XXXX XXXX XXXX and myself providing that XXXX XXXX XXXX is the holder in due course of the original debt contract and a certified copy of your tax registration certificate. 
Any certification not received by certified mail under penalty of perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under penalties of perjury please settle these accounts immediately with 10 days.

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 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

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