vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$9500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$480.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$840.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
They call once a week at least after repeatedly being told to stop calling. The debt they are attempting to collect is well over the 7 year statute of limitations so they have no right to continue this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I learned of a fraudulent and delinquent auto loan established by Bank of America. I have emailed and called Bank of America daily , Bank of America verbally acknowledge that they established the account in error. I was a former customer, my auto loan was satisfied in XXXX, but someone with the same name applied for a loan, and Bank of America put the other parties info under my social security number, my date of birth, my phone number and my email address ... .and then had the audacity to change the address on my old profile, to that of the other party. Bank of America changed an address, but failed to verify critical personal information of the applicant. Bank of America shows no interest in corresponding with me to allay my privacy complaint. Bank of America is perfectly comfortable with full knowledge they are disparaging the credit of the wrong person. This is not even a case of third-party fraud, it is Bank of America acting with regardless disregard for the customer information in an aged database, a Bank of America fraudulent act on an innocent former customer.

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 2021-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I have made three attempts to pay my credit card through their online bill pay using my checking account number. The second time, I verified the numbers and tried again. It went pending for six days, which took me past the 30 day mark and added a late fee when they claim that the checking account number was wrong. They then instructed me that I could pay over the phone for a {$10.00} charge. They also refused to waive the late fee. I reentered the checking account number for the third time, had my wife look over it, and submitted two payments plus the late payment. It pended until it was late again. Now I am trying to get in touch with Continental finance to get this card paid off and shut down and they " can not locate my account ''.

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 I was at the XXXX XXXXXXXX XXXX In XXXX XXXX stranded when I tried to use my American Express XXXX, and they all declined : On XX/XX/2021 I went online to pay my bill and the system would not allow me to pay American Express, so a few minutes later I saw a red dot, and the word cancelled on all my accounts, the bills were not due until the XXXX, called them to pay them over the phone, and was treated like some type of a thief the agent took the payment and said hold on, there is a note that says '' call the banking institution to make sure funds are available, I was a shame that and my XXXX XXXX jump to XXXX because of the embarrassment, the agent was asking the bank agent did I have money in my account and the bank agent was asking me, is it okay to answer, I was told humiliated and when I asked the cancellation the department why would you all do this to me since I ve been your customer for over some XXXX years, after i explained to him I had been almost killed by XXXX, and that the XXXX account that was used probably was the one cancelled by error after I had complaint to them that i never received the new debt card that had been since to me prior, so they cancelled it for me, since I was in florida with my daugther from XXXX until XXXX due to her illness. I was told that they looked at my fios score, without my consent, and they notice a lot of hits, that I had no knowledge of, I did explain to the agent that XXXXXXXX XXXX had contacted me about fraud on my account and it was handled with professionalism

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recover Assoc is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX 
{$370.00} This is not mine! I never authorized or allowed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subsequent to the Equifax breach in 2017, I asked all the agencies to freeze my credit file. 

Recently, in order to obtain credit for a home refinance, I asked all the agencies to unfreeze my file. All but Equifax have complied with my request. 

When Equifax implemented the freeze in 2017, they sent a letter stating what would be required to unfreeze my file when that time came. I complied with their letter in every respect when requesting that my credit file be unfrozen. Equifax has come back to me several times to request additional information. 

Again, I have complied in every respect with the requirements specified by Equifax when my credit file was frozen. I have even provided some additional information to confirm my identity. 

Recently I received another letter asking for the same information I have already provided ( my driver 's license ). 

I certainly appreciate the importance of confirming the identity of a requestor in a situation such as this, however, I have complied with their requirements, I have provided other information that will further confirm my identity and I have corresponded with the company several times about this matter - all to no avail ... and I still am unable to access credit to refinance my hoime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am unable to request my annual credit reports from XXXX and Equifax. ( XXXX  works fine. ) XXXX wants me to mail a request form which is a hassle but reasonably acceptable. 

Equifax wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I had a check mail from my account on XX/XX/XXXX and it never made it to the recipient. My account was closed shortly after. The check was sent back to the bank and on XX/XX/XXXX when I got in contact with them to let them know what happened I was informed by XXXX, " a leader in Chime 's escalation department '' who stated that that a check would be expedited in 1-3 business days. I heard notihng form that date and would send an email every few days with a generif response returned. On XX/XX/XXXX XXXX informed that a check was requested on XX/XX/XXXX and that due to CoVid there may be a slight delay. I had made contact again on XX/XX/XXXX and got the response that it was still being processed. Everyday after that I emailed requesting an update and got the same response. on XXXX I sent an email requesting to speak with management about this issue that was going on and the gentleman that responded ( XXXX from the escelations team ) stated "! I truly apologize for the delay in your check, as looking over your case 's details I can indeed see no reason why it should not have been sent yet. All I'd need to send it as soon as I receive your response would be confirmation that your mailing address hasn't changed '' Confirmed with him no change and then we basically started the whole process all over again. 
XXXX wrote " I looked into your account and was able to confirm since the timeline to get your closure check has been already passed we requested to have a new one to be expedited to the address on file ; it usually takes up to 5 business days for it to arrive once it has been shipped via express, as yours did '' Using the phrase " as your did '' would mean to me that the check had been shipped via express and should arrive in 5 days. However as of today XX/XX/XXXX I am still getting that the check is in processing and has not been mailed yet. While i understand first hand the severity of the CoVid 19 virus, that is not the culprit here. The check was originally mailed to the individual on XX/XX/XXXX with no issue at all, and there should be no issue with it being sent back out to me, other than I am no longer a customer with them so they have nothing to lose by taking their time. I need the {$4500.00} that was supposed to be here 2 months ago, and I need it now. I do not have any more time to wait or I am going to lose my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2021-06-17 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: iQuantified Management Services, LLC
State: KY

Complaint narrative:
in XXXX and XXXX i was contacted by iqmsllc.com. i called and requested a written copy of the debt in XXXX and XXXX ; i received none. 

on XX/XX/XXXX, i went online to get a copy. i found a notice which had no creditor name and no dates. it did identify {$90.00}. 

i believe the failure to identify a creditor is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RockLoans Holdings LLC
State: TN

Complaint narrative:
I XXXX XXXX, the consumer sent an Affidavit of Truth to Rocket loans on XX/XX/2021, to validate an alleged debt obligation. I have no knowledge of it and never received notice. Rocket loan never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g REMOVE AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Took a {$40000.00} second mortgage out to consoldate bills in XXXX. It was AN ACTUARY loan at 10.5 %. I faithfully paid {$430.00} everymonth two months shy of 15 Years. I rteceived written notification that may laon would mature on XXXX and I had an outstanding balance of {$39000.00} How could that be possible? I have paid almost {$77000.00} on a {$40000.00} loan. I looked as the Mortage Servicing Site and saw they raised the initial loan amount to {$47000.00}, which is false. They only applied my payments to the interest only and didn't credit the principal. I believe that this loan should only have a {$7000.00} balloon payment and was aware of that when we signed it. When I called to talk to someone they said they do not take phonr calls and only do it over the computer and it would take 30 days and then they would ask for 14 more days if they couldn't settle the matter. This loan originated with XXXX XXXX and was taken over by GreenTree and then XXXX XXXX and we can see how much trouble they got into. in XXXX they just sent me a loan modificatrion contract, which I did not ask for and held up my payments until a government agency intervened and they sent me an appology letter and corrected my " late '' payments. Obviously they want me to keep paying this loan, because the customer service person said that if they find I do own the {$39000.00} they have financing options! I more then paid for it, with the {$7000.00} balloon payment always at the end. They miss appropriated my monthly payments and put it towards interest instead of toward the principal. Can you please help me of direct me to the agency that handles FRAUDULENT Mortgages? 
The Servicing Company is XXXX now, but I thinkl XXXX XXXX started the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation