vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX  XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/XXXX/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days  after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I was checking my credit reports and ford motor company  of XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called fmc of XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is XXXX. Ive filed this dispute 6 times and I keep getting the same results. XXXX  says that fmc of XXXX says the report is accurate and fmc of XXXX says they sent over the information to XXXX to correct it but never gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the XXXX of XX/XX/2020 I received an email from citibank stating my account is been closed and I will be receiving a check of the funds in my account sent to the address on file. According to the bank policy it's going to take sixty days for the procedure. Its past sixty days, I dont have a check and whenever I call to check on the status, nobody seems to have any answers for me. I filed a complain a couple of months ago through consumer financial protection bureau before they sent me an email telling me why my account was been closed. After sixty days they telling me my account which is supposed to be closed, went from been under review to an investigation. I feel am been treated like this because am a minority business owner and am been put through all of this because of my race. I have not received any letter from Citi bank on any update and whenever I call they not willing to talk to me because my account is under investigation. They imploring all this delay tactics for what reason I dont know. They never gave me anything in writing through the mail and didnt receive a phone call to address anything. Am been treated like a criminal by this institution.

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MA

Complaint narrative:
I contacted US Bank about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after US Bank assured me no such inquiry would take place

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 2020-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Ace cash express has called me repeatedly from a blocked number. They are stating that I have a pending lawsuit that I need to pay. They have threatened to charge me an extra {$1000.00} in court fees, sue for breach of contract and to file a federal complaint because my bank account had non sufficient funds to pay the loan back. I have been barraged by calls from them for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself

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 2020-10-23 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: PA

Complaint narrative:
I sent a letter out 30 days ago to transunion certified mail because they are reporting inaccurate information on an account. I feel like these jerks are taking advantage of regular people like myself.

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 2020-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am a client of Discover Credit Card for a few years, and have always paid my card on time. I received an invitation to apply for a Personal loan or Debt Consolidation loan.

I called a few times to ask questions of 2 reps to make sure the credit was dinked but it was a soft credit pull.

They both said yes, and I could just proceed to see if I was approved, the mininimum credit score was XXXX I was given, and have a copy of it, and minimum income like XXXX. 
I didn ; t realize they use 5 credit bureaus and not the traditional 3 I was told I had Collection on my report, which I DO NOT and keep in mind no credit bureaus are to report past 7 years for any debt if negative.

I am attaching the Letter I sent to discover and also their information to me.

I have sent request to the additional bureaus to send me what is on my report that is incorrect.

My questions for Discover : 1 ) Why was I turned down when I had a required credit score?

2 ) Why am I being turned down with balance too high on revolving accounts when the loan you offer is to remedy that???

3 ) Did Credit scores requirements change with Covid?

4 ) ARe you discriminating against me as I am XXXX? 
5 ) why do you use obscure credit bureaus that the Average person doesn't normally use?

6 ) Why are you baiting good customers like me when you don't approve it?

Please see attached and let me know what they can do to offer an approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: DISCOVER BANK
State: CA

Complaint narrative:
There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I requested and received from Shellpoint Mortgage Servicing COVID-related forbearance for the months of XX/XX/XXXX-XX/XX/2020. I resumed full payments on XXXX XXXX and have timely paid every month since. Shellpoint indicated that my loan forbearance would convert to a loan deferment. That is, that the missed payments would be deferred until the end of the loan. This is in keeping with deferment for qualifying mortgages under the CARES act. Instead, at the end of the forbearance period, Shellpoint reported to the credit bureaus that I was 60 days late on payments. I contacted Shellpoint about this issue inXX/XX/2020, after receiving an alert from my credit monitoring service. Shellpoint has already received all relevant documents via separate correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have a mortgage loan with Customer Service Inquiries and  Payments LoanCare ( XXXX ) Attn : Customer Service XXXX XXXX   XXXX XXXX  XXXX, VA XXXX Telephone : XXXX Fax : XXXX Monday - Friday XXXX XXXX. XXXX XXXX. ET Saturday XXXX XXXX. XXXX XXXX. ET. 

I was in forbearance and after I applied for deferred balance, they put it and the end of loan. I continue doing my monthly payments. Now that interest rates are lower, I try to refinance but the new company asked me to pay for deferred balance in order to qualified me. I have called LoanCare and I explained that I would like to pay my deferred balance because I'm going to refinance with a lower interest rate. They said '' I can't pay my deferred balance because the deferred was processed and move it to the end of my loan, that I have to pay all my loan in order to pay the deferred balance ''. I asked them if they can refinance my loan and they said, ''LoanCare do not refinance loans, I was told. '' I have spoken with them several times, and one of those calls, the new company that I'm trying to refinance called them in 3 lines call as well and explained them that  was unfair that they are doing this to me, and asked them to find a Soluciones for me but so far, they are not willing to help me. LoanCare company never told me that if I applied for deferred the only way to pay it off it was going to be until I pay all my loan first and that will be a problem if I would like some day to refinance. I was not aware of that. If I was aware, I will never do something like that. Now I'm so frustrated that I'm locked in to that company with that high rate because they do not let me pay my deferred balance.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is an old case regarding XXXX XXXX. That case wasXXXX. 


It was deleted on another credit bureau when they spoke to XXXX XXXX. 

This is part of what XXXX  explained when XXXX removed the remark : Company 's Response ...

... In your complaint, you indicate that there is an account listed on the credit report that isnt yours. You are requesting the account to be deleted. At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. The data furnisher has deleted the account from the credit report. ...
In the event TransUnion does not recognize me ( File Number  XXXX as of XX/XX/2020 ) and does not remove this information this will be resolved in court if necessary.

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 2020-10-23 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  an

d Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-23 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: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
No response to the following written request sent on XX/XX/XXXX ... 
XXXX XXXX XXXX ( my mother ) passed away several years ago on XX/XX/XXXX. Attached is her death certificate and Last Will showing me as her independent executor, sole heir and beneficiary. It has recently come to light that the above referenced account may have gone dormant. It is necessary this account be reactivated ( If applicable ) and I be added as her replacement signatory to conduct the necessary business matters associated with this checking  account. 

A followup was sent certified on XX/XX/XXXX ... 

Although I would ask why I wasnt afforded the courtesy of a response to my letter of XX/XX/XXXX ( copy enclosed ) the more pressing matter is that which was the subject of the letter ; My request to have my named added as a signer to the account so the business matters associated with that account can resume. I purposely have not included another copy of my mothers last will and death certificate trusting the documents sent mid-May have not been lost or misplaced but rather simply not acted upon. Should you need replacements, notify me of such and arrangements will be made to forward duplicates. Use any of the means below to reach me.

I have had absolutely no response to either pieces of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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