vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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 am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.

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 2021-08-30 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: FL

Complaint narrative:
I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
BMW Financial Services continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
12 XXXX XXXX has been sending me collections in the amount of XXXX dollars. 
This collection has been reported past due. 
I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I was the victim of identity theft fraud. An XXXX account was fraudulently opened with my name and social security number. I learned of this because I was trying to get financing for the purchase of a home and when my lender pulled my credit report on XX/XX/XXXX my score had dropped 100 points. I learned that a debt was being collected by Sunrise Credit Services. I called Sunrise credit services and they gave me the XXXX account information and told me I had to work directly with XXXX to get it resolved. I worked XXXX, provided an affidavit and proved my identity and they were able to provide an exoneration email and recall the debt from Sunrise Credit Services. I tried to use the XXXX letter to do a rapid rescore for my credit score so I could move forward with mortgage financing. I was informed that I would need an exoneration letter from Sunrise Credit Services because they are the company reported on my credit report. I contacted Sunrise Credit services multiple times and they have been unwilling to help me get the documentation I need for a rapid rescore. I called and was frequently cut off by customer service agents, not listening to my needs and telling me they couldnt help. Every agent I spoke to gave me different information. I escalated to a supervisor and they said they would work on it and call me back but never did. I called back multiple times trying to get back in touch with the supervisor XXXX XXXX and was put on hold, transferred from agent to agent and disconnected multiple times. I submitted a dispute with them via email on XX/XX/XXXX trying to go that route to get the documentation needed. I havent received an acknowledgement or response. When I called Sunrise Credit Services asking to be transferred to the department that handled the fraud disputes, I was told they could not connect me. This fraudulent account has impacted my ability to get the rates I deserve for a home purchase. I understand the process for updating a credit report takes time. But I am just looking for exoneration documentation from Sunrise credit services that I can provide to my lender, so I can move forward with financing by 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 explanation
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that XXXX  this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
L.J Ross Associates so a few months this company have been harassing me making phone calls to me {$6300.00} the collection have been reported past due. I donot know this company this company do not have a contract with me or anything I signed with them. I have never done business with this company,.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2017 my wife and I went into the local US Bank in XXXX Minnesota to inquire about a checking account and which overdrafts are not an issue the banker came back with a contract that stated if I were ever in the negative at the end of any given month that negative balance will be added on to the back end of my student loan I have with US Bank so one month when I was in a - {$210.00} instead of putting it in the back end of my long like was in the contract they started charging me fees late fees charges whatever they do overdraft charges even though it was specifically in the contract and what the banker told us that that wouldnt happen so I want them to be held responsible for breach of contract and shady business practices and for falsely reporting on my credit report. I do have a witness my wife was next to me during the entire meeting and will testify as to what Im saying is true this is exactly why I dont use big banks because they are scammers who lie and breach contracts with no repercussions because I am poor and XXXX I am not able to file any Sort of litigation to resolve this matter so Im asking you for your help please

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 monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am trying to get select portfolio to modify my loan and they keep requesting the same information that I have already submitted electronically over and over again. I have spoken to different people via telephone conversation regarding this and no one seams to be able to help. I need some assistance with a modifications on my loan. I lost my job during covid and fell behind on my payments I have now started working and would like to continue making payments to keep my home. Select portfolio keep telling me every week when I call that they are getting ready to take legal action if I do not bring my account current. I am asking to put my past due at the end of my note and allow me to make payments to keep my home. I was told that they are not a mortgage bank and they can not do that..i need someone to assist me with this. It's difficult to deal with this company with all the miss information that the representative give. Seems like everytime I call i speak to someone new who don't know what they are doing.. Please help me with this company. 
I don't want to lose my home please. 
XXXX 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 2021-08-30 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
i, am a victim of identity theft from XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These companies has fraudulant accounts on my profile that needs to be removed immediately.

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Since XX/XX/XXXX, my jetblue barclaycard credit card has been set to autopay the full credit card statement from my ally checking account, as with all my credit cards. 

For the months of XXXX and XXXX no purchases were made from said card. 

On XX/XX/XXXX an initial purchase of XXXX was made. This appeared on the XXXX statement with an auto pay date of XX/XX/XXXX. 

A purchase of XXXX was made at XXXX XXXX on XX/XX/XXXX. This was my total XX/XX/XXXX statement with a due date of XX/XX/XXXX. 

On XX/XX/XXXX the payment was attempted but failed to withdraw from my XXXX checking account due to an unable to locate account error. 

On the Statement printed XX/XX/XXXX due XX/XX/XXXX, the payment is listed as successful and is not included in the statement balance. 

On XX/XX/XXXX XXXX was successfully deducted from my XXXX XXXX account, this did not, but should have included the XXXX that had failed the previous month. 

On XX/XX/XXXX Barclays reported a XXXX delinquent trade to the credit bureaus. 

On XX/XX/XXXX Barclays successfully deducted XXXX from my XXXX XXXX account. 

After attempting to obtain pre-approval for a home loan I was notified my credit rating was XXXX, this is a stark contrast to when I applied for pre-approval with a different lender in XXXX and my rating was XXXX. 

On XX/XX/XXXX I called Barclays which acknowledged the mistake and instructed I contact the FCRA, provide them documentation to retract the delinquent account report. This complaint ensued as the CFPB is now accepting FCRA complaints. 

Barclays prematurely reported a delinquent trade for a charge that should have been deducted on XX/XX/XXXX within the 90 day timeframe, additionally Barclay 's failed to contact me prior to reporting the delinquent account before reporting it to the credit bureaus. 

This caused my credit rating to seriously decrease just when I am attempting to get a home loan, causing serious harm to my prospects of being able to get a loan with reasonable rates. Prior to this action by barclays my rating was a XXXX, my new rating is a XXXX. This is the first delinquent report in my credit history.

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 2021-08-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: GA

Complaint narrative:
XXXX XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt. 

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with XXXX  success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

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 2021-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI bank recently sent me a promotional savings account as shown in the attached but it refuses to open up the account for me. I have been using this promotional savings account with CITI bank 3 times during the last year or so but they are refusing to do so anymore on the pretext that I took my money out as soon as the terms of the promotion was satisfied. The terms as explained in the attached documents is to leave a certain amount of money in the saving account for 60 days and the bank will give the customer the promotion within 90 days after the 60 days condition has been achieved. I have been doing so three times so far but they are mad and upset with me that I had been taking the money out of the accounts a few days after the 60 days requirement had been achieved. This is what I was told by a few of the bank representatives. This is a hypocritical and dishonest advertising as the bank requires the customer to leave the money in the bank for only 60 days and then to be upset with the customer when the money is taken out of the account after the 60 days. At one time they did not want to open the account for me as the bank was suspicious of where my money was coming from. So I had to take the documents to them to show them the money was coming from selling of five of my rental properties. At that time the bank opened up the account for me and I received the bonus. But this time the bank is mad at me because I have been taking the money into another bank with higher interest as soon as the 60 days period is reached. The attached precisely explains that the bank sent me an invitation but the bank refused to open up my account. The last time that I got the bonus I received a letter from the bank that the bank was going to close my account forever. Therefore, I had to close the account myself to avoid having a bad effect on my credits. 
Also, the last time I received a flyer in the mail that If I opened an account for {>= $1,000,000}, the bank would gave me {$2500.00} bonus. but the banker told me sine I have been a CITI gold customer I was qualified for {$3500.00} rather than {$2500.00}. But the bank only gave me {$2500.00} instead of {$3500.00}. When I objected to that I was told by the regional manager in Utah that {$2500.00} was better than nothing!!!. This is fraud in both advertising and customer relationship.

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 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX {$400.00} Sent a family member {$400.00} it was too much so they refunded {$400.00}, then I sent {$54.00} both came out of my account. I never got the refund for {$400.00}. Been fighting with them for 2 months called, email 10 times file XXXX  complaint automated responded allow 2-3 days, then close the complaint and ask for a survey

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: GA

Complaint narrative:
XXXX XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.

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 2021-08-30 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: GA

Complaint narrative:
XXXX XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate.

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a collection account from I C Systems via XXXX that does not belong to me. I have never had a XXXX account in my name. This debt is not mine. They are asking for {$380.00}. I've never received any correspondence from this company showing proof of a XXXX account or asking for payment in the mail. I have also never received a phone call from them.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

Company response to consumer: Closed with explanation