vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: MO

Complaint narrative:
I have contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MO

Complaint narrative:
I have contacted this company several times along with disputed with all XXXX bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this XXXX and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something

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 2020-10-26 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: GA

Complaint narrative:
Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, XXXX, and Equifax. It has Been over 30days and I havent heard anything from them in regards to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, Experian, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.

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 2020-10-26 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: MO

Complaint narrative:
There are two credit card accounts being reported by Experian that are a result of Identity theft. I have disputed these accounts on several occasions, including submitting a FTC identity theft report. Experian continues to report these accounts in violation of FCRA.

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 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/2020. I was served a bill that was charge off by XXXX XXXX  and sold to Midland credit management collection XXXX XXXX XXXX XXXX CO XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2020 I placed an order with company XXXX XXXX XXXX XXXX. The order was for a roll of tape that was free, l just had to pay {$1.00} for shipping. When I checked my account shortly after placing the order, an amount of {$110.00} was charger from this company. I imedietly called their customer service and was informed that the {$110.00} was for a club membership that was never explained in the add i ordered from. I asked them to cancel the order and refund the full amount. They refused. I asked to speak with a supervisor and still to this date of XX/XX/2020 have yet to receive that call back. I have never received a receipt for my transaction of any kind. I contacted my bank to help in this matter. They were unable to help me. I called the company again to get the receipt for my bank and have received nothing. I have made numerous attempts to rectify this situation to no avail. Please help me in this matter. I have attached screenshots of all the information I have. The company refused to provide anything else.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TRANSUNION refuses to provide an explanation or reasoning as to why my credit score keeps going up XXXX points and then down XXXX points every two weeks with no change reasoning. Something isnt right and I demand an answer.

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 2020-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I contacted Medicredit in XXXX of this year about 4 debts, they told me if I paid the debts off they would delete it from my credit report. I paid all the accounts off. They all have {$0.00} balances. After I paid them they then refused to remove them. I then contacted XXXX  and started a dispute. They completed their investigations and DELETED the accounts from my credit report becaiE Medicredit told me they would remove them if I paid them. The accounts were removed from my credit report on XX/XX/2020 and today they are back on my credit report again! I am fixing to be XXXX  due to this. I have worked so hard to get my credit repaired and paid off every single debt I owed and now they are reported a second time on my credit with a {$0.00} balance. I did exactly what Medicredit told me to do so they would remove all 4 accounts and they conned me to pay them off and XXXX  removed them and then Medicredit reported them a second time after they were removed!

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: CO

Complaint narrative:
Reliant Capital Solutions Is depicting inaccurate information on my credit report insisting my debt 's date of last delinquency was within the last 2 years. This debt is over 7 years old and the date of last delinquency is over 7 years go. Therefore Reliant Capital is breaking the law by changing the date of my delinquency in order to continue to collect on a debt that's older than 7 years. 

I have disputed this frivolous debt for the past 7 years as the original creditor charged charged it off to be handled by Reliant Capital Solutions. Reliant Capital Solutions has only provided me with a bill from the original creditor with no proof of a contract, signature or anything from 2013, the year this account reported the most recent delinquency. This debt is a frivolous debt and the collection agency has never proved the validity of this debt. ( Only submitted to me over the years a printout of a ledger. ) In order to keep the harassment and deceptive debt collecting practices in place, they marked my credit reports that this is a recent debt in order to bully me into paying this frivolous and fraudulent outdated debt. 

I refuse to pay a debt that is not mine or accurate. 

In addition, the reason for this complaint is reporting this outdated debt to my credit report that as a recent debt is a fraud, scam, deceptive and against my rights per the FCRA. 

I will be contacting the Attorney General of the state this collection agency is licensed and will seek damages in civil court if this account is not removed from my all 3 of my credit reports. In addition I will I will be contacting the States Department of Regulatory Affairs regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
On Friday XX/XX/XXXX at approximately XXXX a man came to my door and handed me paperwork. It appears to be a summons. I do not know for sure if it is real or not. I made numerous phone calls and email attempts to contact the person I was directed to respond to. I have no knowledge of the alleged actions the document outlines. I could find no record of within the Minnesota judicial branch records that the judgment addressed in the document exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
Mortgage Loan Number : XXXX - XXXX and XXXX XXXX. 

My husband and I obtained a Construction Permanent loan that converted into a Permanent loan earlier this year with Fulton Bank, N.A, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 

I contacted them on their XXXX phone line the first week of XXXX and informed them that I believe that the Escrow/Tax/ and payment information that they are reporting to me on my monthly statement is incorrect. I make large curtailments each month, and I am concerned that in addition to the possible errors with my escrow accounts, the payments are being applied incorrectly. I requested a payment history for the entire year, since the inception of my loan, and also requested that they perform an Escrow Analysis and send these to me within 2 weeks. I am not sure that the gentleman that I spoke with XXXX XXXX XXXX fully understood my request based upon some of the things that he was saying about how a loan amortizes, etc. ; however, he assured me that Fulton Bank would send me the requested documentation. 

Yesterday, we received an Amortization schedule in the mail from Fulton Bank starting with the Payment Date of XX/XX/2020, which is next month. This is obviously not the historical payment history that I requested starting with the inception of my loan, that would provide me with how Fulton Bank has been applying my payments. The document they mailed me is actually a " future payment history '' looking document that includes an additional principal amount of {$200.00} each month being paid, which is very confusing to me, as they have no idea how much additional principal that I plan to pay each month. 

We are concerned that approximately {$2500.00} is missing from our escrows, and that Fulton Bank has misapplied our my payments. The most recent statement that we have received in the mail shows us that we are due for the XXXX payment in the amount of {$0.00} dollars. I have not pre-paid my mortgage.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America had credited my account {$18000.00} which was temporary while they investigated the unauthorized use of my XXXX debit card. Upon their completion of the investigation I received a letter from BofA that stated the Temporary Credit had now been made permanent.

Everything was good with my XXXX debit card until XXXX did a system update which caused my XXXX debit card account to temporary close for 48 hrs. Once the account and card were reopened my account of Negative. I contacted XXXX and was told on their end my account is fine and they dont see any negative balance, so i was told to contact XXXX XXXX because it was something on there end. I finally got ahold of the XXXX A claims department and was told that because of XXXX temporary closing my account that it triggered something in their system to pull that credit that was made permanent back out of my account and thats why the account is now negative. I was told that I would need to file a claim and that within in 10 business days my account would be fixed. This was on XX/XX/2020. 10 business days pass and still my account is negative and I have no access to any of my funds that were on the card and any new deposits being made from XXXX to my account either. So I called BofA claims department again and this time I was told that I needed to file an escladed claim and to wait another week, I have done that and my account still is not fixed and I still have no access to any money.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I have been a credit card ( master card, Citi ) customer since XXXX. I discovered that my credit card account had been closed on XX/XX/XXXX and called the company. They did not give a reason and said I would receive a letter in the mail. I received a letter on XX/XX/XXXX stating the card has been closed for late or returned payments. There were never any late payments. There were a few online returned payments due to a routing number error but it was paid through another bank account successfully. There was never any overdue balance. I received an email on XX/XX/XXXX from the company that I had XXXX thank you rewards points inviting me to redeem those points. I have been saving and accumulating these thank you points to redeem for a particular purchase. However, there was no way to access them online from the account. I reached out to a Citi supervisor on XX/XX/XXXX who said that he will arrange to access the thank you points and advised to call this week to check on details on how to access. However, in today 's call ( XX/XX/XXXX ) another supervisor said that the points are forfeited and there is nothing they can do at this time. I would like to submit that the credit card closure was without adequate reason and the forfeiture of the rewards points is essentially a theft by the company. I request you to have the company return the points or cash equivalent.

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 2020-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My father passed away and left me his home with a XXXX XXXX mortgage. I fell behind on the mortgage due to me losing income and not being able to sustain on Social Security Income alone. I then lost more income as the pandemic went across the United States. I called my servicer, Shellpoint, and requested the forbearance plan under the CARES act. I spoke to representative XXXX XXXX who informed my that they would not let me enter into a forbearance plan due to my account not being current. I advised that I had read the CARES act and it says it is available to everyone with a federally backed mortgage regardless of delinquency. They still will not let me get on the plan and pause foreclosure action. Also, during the forbearance I am able to make payments thereby reducing my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CA

Complaint narrative:
I have been unable to obtain a free copy of my credit report. Equifax claims they have " mailed me information, '' which is false. I have made several requests for a FREE copy of my credit report and Equifax has not sent it to me, at any point. It is my FCRA right to obtain a copy and they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection Enhance Recovery XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I hace a crdit card with Mster Card that i Pay through First Bank for over 10yrs. Last month XXXX i didnt recive my statement, but i pad 2 days before its deadline the XXXX. 

On XX/XX/2020 i called XXXX XXXX XXXX XXXX, i spoke yo XXXX XXXX. I explained i hadnt received statement of but i had made payment on time. He said a {$4.00} charge Is applied for a copy of a statement, and interest Is also applied towards that amount.This payment was for XXXX The strange thing Is that i received the copy of the statement in 4 days from the call i made them, i received It on day XXXX. 

I shoud have received by now the XXXX statement and havent received It yet. How Is it that i dont receive statement but i receive the copy which cost me $ XXXX interest. 

Again this month, i will ve paying without my statement. Its obvious to anyone to know the game they ar playing. 

Its more than resonable that they crdit me all the 2x {$4.00} charges and interest. i have PERFECT payment history and paying over minimum 100 , % of the time, paying them even when under these dificult times. 

My name : XXXX XXXX XXXX /telXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PR XXXX My email : XXXX Please. advice, XXXX. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 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:
I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: GA

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2020-10-26 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation