vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2021, I sent a certified letter to Transunion, XXXX, and XXXX to dispute the negative information on my credit report due to identity theft. I also sent items verifying my identity I also sent items such as a police report, identity theft affidavit etc. to Dispute and Remove the Negative item. Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation. The Illinois States Attorney General will be contacted as well as the XXXX  XXXX  XXXX, Im in the process of suing the credit reporting agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now I must be compensated.

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 2021-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I filed a charge dispute around XX/XX/2021 regarding a XX/XX/XXXX dispute with Agoda.com. I outlined that XXXX used deceptive marketing practices and offered on their final confirmation page an option to cancel a hotel booking. I clearly saw before I clicked purchase the statement that a few days before the stay date at the hotel, the purchase would be fully refunded and that after those few days, there was a period of time that decreasing refunds would be provided, i.e. 50 %, then 25 %, then 0 %. I paid careful attention to those dates in case my trip changed. And it did but after I canceled, XXXX was now saying free cancelation was not being offered. In fact, I specifically filtered for free cancelation hotel rooms only and I followed links to the hotel room I purchases dated XX/XX/XXXX. -Later on I discovered that this was part of the deceptive and misleading practices that XXXX used to secure purchases. 

After communicating with XXXX and not going anywhere, I disputed the charge with Capital One. They provided the temporary refund and reached out to XXXX. They then heard back from them and accepted their simple statement that the charge was valid. They provided zero information on my allegation concerning what I clearly saw before clicking submit to purchase. Capital One accepted this and provided me with no documentation addressing my concern. 

I then provided additional information and none of that extensive information was considered in their decision. They did not follow up on my allegations and when I asked why, they stated they relied on XXXX information. XXXX information also did not address my allegation I was not provided a fair investigation. When I asked Capital One whether they viewed my claims as incredible, they did not respond. 

They issued a Can Not further Assist letter and established the charge on my card. They also refused to delineate the charge and send it to collections per my request an my assertion of my right to do so. They only provided as an option to close the credit card to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: IN

Complaint narrative:
On XX/XX/2021, I sent a certified letter to XXXX, XXXX, and Equifax to dispute the negative information on my credit report due to identity theft. I also sent items verifying my identity I also sent items such as a police report, identity theft affidavit etc. to Dispute and Remove the Negative item. Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation. The Illinois States Attorney General will be contacted as well as the Better Business Bureau, Im in the process of suing the credit reporting agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now I must be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE BALANCE ON MY XXXX  XXXX AND XXXX XXXX  ACCOUNTS IS INCORRECT. I HAVE TRIED TO GET THE INFORMATION UPDATED.

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 2021-10-30 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: LA

Complaint narrative:
THE BALANCE ON MY XXXX  XXXX AND XXXX XXXX ACCOUNTS IS INCORRECT. I HAVE TRIED TO GET THE INFORMATION UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Sears credit card ( CITI ) Over the last year I have used this card more often. The problem I was having is my bill arrives 4-5 days before it is due. If the bill was mailed out at the beginning of the month and it took 15-20 days to arrive. How am I going to get it to them on time? Its always late and fees and interest are always tacked on. I have requested on many occasions that the charges be removed and that my bill be sent out sooner. It is virtually an impossibility to achieve the deadline. I get the feeling that this is fraudulent or at best a shady scam to charge fees and interest. There is no consideration for the consumer here I feel. 
Now lets look at the US Mail service. After Covid things have changed. I have sent mail 20 miles away and it has not been received for 7 plus days. So how is my bill going to get here in a timely manor from 5 states away? For those of us who use this system can we get a little understanding? It has always been reliable and secure but I see its days are numbered. For the consumer and the Vendor. 
I am not the first or will I be the last to see where this is going. If you wish to retain customers find a solution to this problem besides greed and rigid policy. 
For those of us who have witnessed the damage of personal identity theft. Technology is not the best answer and I would like to protect myself and my family from this possibility. 
Thanks for your time and consideration on this matter

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 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX a certified dispute letter was sent to Transunion LLC Credit Bureau XXXX XXXX, XXXX PA XXXX, regarding public record XXXX. The public record was not marked, " disputed by consumer '' which violates section 611 of the FCRA and is not accurate in reporting which violates Bankruptcy Law. 

On XXXX a certified dispute letter was sent again to Transunion Credit Bureau XXXX XXXX XXXX PA XXXX, for disputes reasons 1 ). the public record XXXX failed to contain the city and the state which violates the Bankruptcy law and the FCRA. 2 ) The public record continues to report inaccurate information and does not reflect it has been disputed by consumer which is my legal right as a consumer and citizen.

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 2021-10-30 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: UT

Complaint narrative:
While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, Equifax, and XXXX using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: RI

Complaint narrative:
Whenever I try to open an account they tell me no because I bank a company reported Fraud and I never fraud I don't know if someone uses my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I'm complaining about Lexington law firm for deceptive marking practices and for illegal billing and for attorney misrepresenting and for malpractice against my ex wife XXXX XXXX, XXXX XXXX. I hired my ex not knowing who she was. On XX/XX/2021 and then after the phone call was over I was billed. Before anything was completed they texted me from about 7 different numbers trying to confuse me. So after I hired my ex. J recieved another text from Lexington law Firm. My ex wife has alot to do with all of this. They would use other law firms to help Lexington law firm confuse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I applied for a XXXX loan on XXXX XXXX I was paying the loan every month until I fell behind by two payments. 
I want to settle this account and every time I call the collections department someone picks up and hang up. 
This is my second complaint in this month. My main concern Im paying XXXX every month and the in thing thats being applied to the principal is XXXX Its almost a year and I still owe XXXX this is ridiculous that a company like this can get away with charging people triple. When I complained in XX/XX/XXXX I provided proof of the loan, but the company came back and stated that I borrow XXXX in XXXX thats a lie. And cfpb closed the complaint. They never asked for there proof or anything. I need help with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report and I noticed someone has used my name for XXXX work and applied for different stuff

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 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
On XXXX I received a notification from ERC, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from XXXX XXXX regarding an account that was opened as a result of identity theft. ERC further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX i sent multiple letters regarding misleading/inaccurate and unauthorized items on my credit report. Til this day, nearly 45 days later i have not received a response. I feel like im being taken advantage of and ignored. Sec 611 ( a ) states failure to investigate within 30 days gives reason for removal. Its been 45 days and they should be deleted immediately. If these misleading items aren't deleted promptly i will be taking litigation. 

In my XXXX dispute i asked for proof of the alleged debt with proof of signature of me authorizing this debt. I have yet to receive a response I disputed inquires XXXX & XXXX by certified mail letter dated XXXX. I received a response stating that these items aren't on my Equifax profile. However these misleading/unauthorized items still show my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: UT

Complaint narrative:
While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, XXXX, and TransUnion using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.

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 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank Att : XXXX XXXX XXXX XXXX XXXX, MI XXXX Loss Mitigations Re : XXXX XXXX Loan # XXXX Property Address XXXX XXXX XXXX XXXX XXXX Ca XXXX To whom it may concern I have been receiving threatening letters stating my loan is past due yet my forbearance ends XXXX XXXX. I am enclosing a copy of a recent letter I received stating my account is past due in the amount of {$57000.00}. 

I have called several times about these inappropriate and disturbing letters to discuss the current status of the loan and I was told to disregard the letters. I officially began the process of a streamline loan modification on XXXX XXXX. I was told I would receive a letter in the next 4 to 5 weeks. The application process was done over the telephone by a woman named XXXX XXXX, who would not give out her last name due to company policy. 

She said paperwork will come in the mail and when receive it, I am to fill it out and send it in and they will reach out to me. Meanwhile, she said, the loan stays in and is protected under the forbearance with no adverse credit effects and a member of the hardship relief task force will reach out to me. These were her exact words. 

After receiving another threatening letter last week, I once again called and spoke to XXXX XXXX his employee code # XXXX, he told me the call was recorded for my protection. He looked up the account and verified the loan mod process was underway as of XX/XX/XXXX. He said Flagstar was completely overwhelmed with applications so it could take up to 6 weeks for me to receive a letter with the loan mod offer. He assured me my account was in good standing and the forbearance supersedes any demand for payment. 

Why are you sending me threatening letters that dont apply? I find them very frightening. This is very suspicious and a dubious practice on behalf of Flagstar Bank, especially when your employees tell me to ignore them. If I should ignore them, then they should not be sent. It tells me I am in a bad status of some sort, and I am very concerned. 

I have records of all the calls I made and the names of those I spoke to since the beginning of this forbearance as I made sure I am always in compliance. When I asked for a letter from XXXX XXXX in the forbearance department stating that my account is in good standing, I never received it. 

I do not appreciate these threatening letters and I am asking you to stop harassing me with them as they are not correct. I am also asking for a response confirming that your records show my mortgage is current and in good standing. You brought this on yourself by sending letters to me implying that it is not, and now I want your assurances in writing that everything is okay with my mortgage. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: FL

Complaint narrative:
I HAVE COMMUNICATED WITH THE 3 CREDIT BUREAU REQUESTING THEY TO VALIDATE AN ACCOUNT THAT APPEARS IN MY CREDIT REPORT, I HAVE EXPLAINED THAT THIS ACCOUNT IS FRAUDULENT, I HAVE REQUESTED DOCUMENTS THAT VALIDATE THIS DEBT AND THEY HAVE JUST SAID THAT THE ACCOUNT IS NOT MINE, DONE THE RIGHT INVESTIGATION. THIS ACCOUNT IS FRAUDULENT AND THEY HAVE NOT COMPLIED WITH FAIR CREDIT LAWS, THEY HAVE SENT ACCOUNT STATEMENTS AS VALIDATION, AND THIS IS NOT A DOCUMENT THAT VALIDATES AN ACCOUNT. TRANSUNION AND 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 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in CITIBANK

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