vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I was living as a student in MD and wanted to set up internet service with XXXX. They kept getting my address wrong and were not able to set up service in that exact area but multiple accounts were opened under my name to correct their mistake. After dealing with them not getting the internet service set up in a timely manner, I asked all accounts be closed under my name. I was assured that was the case. 

XX/XX/XXXX, I received a bill in my name on my current address in PA that I owed {$88.00} and another {$1200.00}. I called XXXX and she removed {$88.00} charge and closed the account. She said I'd have to call back regarding that {$1200.00} charge because she could not see it on her end of the system. 

I call back multiple times in XX/XX/XXXX and XX/XX/XXXX and they have had difficulty looking up my account because the account is closed. It took several agents and being bounced from one department to another until I landed a representative who was able to look up the information. She told me I did not owe this amount because I received no services. She assured me she removed all charges and I would not have to make a call again. 

I received a letter from a Sequium XXXX XXXXr agency this XX/XX/XXXX that I owe {$1200.00}. This is grounds for harassments against XXXX and XXXX XXXX XXXX  for billing me charges I received no services of and potentially reporting it to credit bureau agencies to harm me financially and emotionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: FL

Complaint narrative:
When Experian had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX Experian, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.

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 2021-04-11 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: GA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
My husband and I applied for a mortgage refinance with Cardinal Financial in late XXXX, XXXX. Our loan is a cash out refinance with a XXXX of approximate 59 %. There have been significant delays in the process on Cardinal 's side and multiple occasions during underwriting where there were week that we did not hear from them before additional documentation was requested. Additionally, I don't feel they have been honest, including saying that we can not decrease the amount of the loan ( because of the delay the cash out has increased significantly higher than our original request ). Now, after over 4 months, Cardinal has advised that charges and rates have increased due to a disputed credit bureau report showing a XXXX late account for {$50.00}. I have documentation showing that the account was paid, but have been told that it can not be addressed because 'credit bureau disputes take months to resolve '. We are now out {$500.00} for a no long valid appraisal, with fees and rates that are higher than agreed to - all due to Cardinal 's delays and misstatements. We have asked multiple times that the delays and issues are escalated with contact from no one other than the loan officer and transaction coordinator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2021 I contacted our mortgage servicer to request a loan modification as we are ending our forbearance after XXXX XXXX. I am still working with reduced hours. They are telling me that I can not be considered for a loan modification until we first choose the HUD partial claim. Then once we agree to the partial claim, we can then decide if we want to apply for the loan modification.

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 2021-04-11 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: FL

Complaint narrative:
When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, Trans Union XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.

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 2021-04-11 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: FL

Complaint narrative:
When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Please provide payment history for the full duration for my account as a customer with your company. 

For the state of XXXX XXXX and the transfer to XXXX XXXX  once I relocated. 




Thank you kindly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect information on your report ... companies pulled credit without following fraud alert verification on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have been disputing this item with Midland funding for almost five months now. I have retained all my correspondence for evidence if I have to take this matter to court. 
All I want is the error corrected and deleted from my report. 
Midland Funding is claiming to be trying to collect a debt on behalf of a company that claims I dont even owe them which is XXXX XXXX XXXX. I requested written verification of the debt to prove that this charge is indeed valid and not fraudulent as is within my rights under the FCRA and the only responses I keep getting from the company are attempts to delay the deletion of the item. They have never produced anything more than a doctored bill with an address and balance on it that is in correct. I owe both companies nothing. 
They cant even prove the account is mine and I didnt ask for anything out of my rights under the FCRA. I plan on taking this company to court for damages and violations of fair credit reporting act. This is my final attempt at settling outside of court. On XX/XX/XXXX I received the letter I am attaching which is the third correspondence from this company and this is all it says verified which is not telling us a method of verification. No court will just take their word for it and its unfair that they are holding my credit report hostage. 
This company is harassing me via phone and mail and I am officially revoking their right to contact me unless it is to state the previously requested verification or to notify me that this item as been removed. Im sick of playing ring around the Rosie with them! This is against the law and I am filing a lawsuit IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 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: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Yes, I filed bankruptcy, and reaffirmed my auto loan with Santander USA. Since the discharge they have not started reporting back to the credit bureaus. They stated that they will not resume reporting to the three credit bureaus. I have read the law and to my understanding that when you reaffirm the loan that they are obligated to report my payments being made. This is affecting my credit and that was the whole point of filing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I received an alert from my XXXX  XXXX  stating possible fraud and a balance overdue. I am in good standing always with payments, so the alert was because it did not line up with my current credit history. Upon my review, there was supposedly an online account with apple on a virtual account and a charge of {$2.00}. I have made over 9 phone calls over this month to figure it out and Goldman Sachs and Apple Card can not tell me. They just keep asking me to file fraud claim and they have no idea where this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
i've been paying off a credit card slowly because that product they provided broke and ripped and i told them and they provided me no credit so i still have to pay off this card. i'm getting angry, so i refused to pay, and they will not stop calling me today it's sunday by the way. they called me at XXXX - XXXX and XXXX already and it's XXXX XXXX  XXXX on sunday XX/XX/XXXX. they did this every day two months ago 10 times a day for a month and i endured it but i've had ENOUGH. this is HARRASMENT, once a day is fine but 10 times for two months? 

for the love of XXXX there name is comenity bank, victoria 's secret. they are harassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I reached out to BridgeCrest through the credit bureaus As I am disputing the repossession they have listed and has indicated XXXX XXXX as the original creditor. 
I exercised my rights and disputed this via the three credit bureaus. One bureau has removed but it is still being inaccurately reported. Since I was told that it was valid and verified I sent a written request for the method of verification. I also asked for the documents they should have used by law which would have been bearing my handwritten signature and also had the original terms and sells price so we could also verify the highest amount owed that they have list. This company has not been able to provide me with ANYTHING! 
In a final attempt to settle this without having to enlist my retained legal counsel. I am using CFPB as a middle man and requesting the above verification AND method of verification or remove this horrendous item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding has duplicated the account on both my XXXX & XXXX Reports after I challenged them to verify and authenticate the account and refused to investigate my signing any documents or contract legally with my signature with Midland Funding. Midland Funding never investigated the account and refused to look at what they reported to XXXX & XXXX but instead retaliated by duplicating the account on my 2 reports which tanked my credit score. This tactic has hurt my scores. The account lists for {$630.00} for Midland Funding ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: LA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation