vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TrasUnion and informed them that my credit report is incorrect and that fraudulent inquiries are being reported. I was instructed to send in an fraud report, they keep saying they are not receiving it so I am attaching the report and the request to remove these inquires.

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 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX CST, I was contacted by ERC , a debt collector, regarding an account of my mother 's. On the caller ID, my mother 's phone number showed up and I believed it to be my mother when a representative of this company introduced herself. She informed me she had my mother 's permission to speak with me and gave me the debt amount of {$150.00} on behalf of XXXX XXXX. I informed her my mother 's phone number showed on caller ID instead of her company which she didn't deny or admit that her company was using spoofing tactics which are illegal. She gave me the company phone number of XXXX and call reference # XXXX. 

The document attached is from my phone bill that proves a call was made at the time given from XXXX which is my mother 's phone number and not ERC who actually called me at that time thus proving they spoofed my mother 's phone number. 

The next day, XX/XX/XXXX, this company spoofed my phone number and called my mother into tricking her to answer. I do not have access to my mother 's account to provide documentation on this. 

I am aware companies may have a different phone number of their company show on caller ID but misrepresenting who they are by spoofing individuals ' phone numbers to trick the person into answering their call is an illegal tactic. This company has done it at least twice with my mother 's account, with multiple phone numbers, proving this is a regular illegal tactic this company is utilizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
A fraudulent loan was opened In my name, on XX/XX/2017, for the amount of {$23000.00}. The account then sent to collections in the amount of {$6300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX  and XXXX  are my two accounts that are with XXXX XXXX. These accounts went into collections with portfolio. Was told that when These accounts are paid in full they will do a tradeline deletion, this has not happened ... ... XXXX XXXX has been paid since XXXX of XXXX  and XXXX  since XXXX  0f XXXX, portfolio recovery stated that they send the letters to all 3 credit bureaus no tradeline deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NY

Complaint narrative:
on or about XXXX of XXXX i started shopping around for auto insurance quotes. although i am happy with my current insurer i was just looking around. i was declined by several insurance companies for accidents on my clue report. apparently there is a bodily injury accident among others reported by XXXX  XXXX XXXX for a XXXX XXXX XXXX on XXXX XXXX in missouri a totally different person, drivers license, etc. XXXX XXXX XXXX referred to me to lexis nexis, whom i contacted initially on XX/XX/XXXX and filed a dispute. i have been told several stories from representatives, the recent one on XX/XX/XXXX where the rep stated that that the information could not be deleted until the insurance company responds. yet another representative advised me that if they dont hear from the insurance that the dispute would be ruled in my favor. different rep from lexis nexis and i get a different story. I have never been insured with XXXX  XXXX XXXX, i never lived in missouri nor did i have any accident with anyone on XX/XX/XXXX or XX/XX/XXXX. i keep getting the run around by lexis nexis and the possibility of incorrect information on my clue report places my insurance and premiums in peril. i also sent a written coppy of my dispute on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SLM CORPORATION
State: GA

Complaint narrative:
There is a reported loan on my credit report. The company 's said that I co-sign on their loan. This is not true and I have no idea whom this person is. Sallie Mae XXXX XXXXXXXX, XXXX, DE. 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 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was contacted on XX/XX/2021, by someone calling from XXXX stating that they were a representative from XXXX XXXX  which is my electric provider stating that I was on a disconnect list for that day for my power to be cut off.. I advised them that my payments were up to date and he stated that there was a system error causing a glitch in their system that why they were reaching out to customers and to avoid having the electricity turned off I would need to make a payment to be taken off the list and I agreed to make a {$250.00} payment to keep my lights on and was advised that I could pay thru Zelle but before the payment could be made the call dropped but was called back from XXXX. He walked me thru the process of using Zelle through my online Banking for Bill Pay with Zelle and provide XXXX ) XXXX then stated that the first payment did not go thru and try again if he sees to request he would decline one of them after about 15 minutes I retried then I saw the first payment go thru but it was too late and he stated that he would cancel the second one but never did that when I got suspicious and I contacted my electric provider and my account was in good standing. Then I reached out to my bank to see if I could put a hold on the payment. I contacted my electric provider. Transaction numberXXXX and Transaction numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/21 I placed order XXXX on www.HomeDepot.com totaling {$6000.00} of kitchen cabinetry including delivery using the Home Depot ( HD ) credit card. On XX/XX/21 I contacted HD Customer Service to inform them that all but 3 items had been delivered, and to inquire on the delivery of the 3 missing items. They stated that their 3rd party delivery service reported all items as delivered and told me to file a dispute with HD Credit for a refund. On XX/XX/21 I called HD Credit Services to file a dispute on the missing items totaling {$300.00} and at that time informed them that the items in question had not been received. On XX/XX/21 the HD Credit sent me a letter offering me an opportunity to provide additional information regarding the dispute. I had no additional information to provide as I had already informed them that the items had not been received. On XX/XX/21 the HD Credit sent me a letter stating they would not issue a refund. I just want my refund of {$300.00}.

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 2021-06-14 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: OneMain Finance Corporation
State: NY

Complaint narrative:
i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
Ona Main Financials : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : LENDMARK FINANCIAL SER Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Reported a debt I have no knowledge of.

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 2021-06-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off in FULL a Victoria secret XXXX XXXX  credit card on XX/XX/XXXX and they willingly chose to send misleading and false information to XXXX credit bureau stating that I owed more money and due to that my credit score went down -145 on XX/XX/XXXX. I called XXXX credit bureau because that is what comenity bank told me to due and trans told me that they cant due anything about it and dont have the information that community told me they would have. Comenity didnt send paper statements when I asked them to and also didnt send my credit card when opened. They violated me. When I call Comenity bank every person that answers give me different information and tampers with my information. Although I placed my correct information in store. XXXX told me on XX/XX/XXXX that the information on my file was wrong. After I created an account with the bank they my phone. After all the calls I have made. Under the Fair Credit Reporting Act XXXX FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I called today XX/XX/XXXX and they updated my address and email again. Every time I call its the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to place disputes on my credit via fax to XXXX, XXXX and TransUnion. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX XXXX XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.

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 2021-06-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to place disputes on my credit via fax to XXXX, Equifax and XXXX. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX : XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: DISCOVER BANK
State: NY

Complaint narrative:
i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Dtafax : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2020 Checking account was closed with bank of america with no warning. I was trying to open an account with a credit union and was informed that my account was restricted by XXXX  ( XXXX XXXX XXXX ) according to the report the account was closed for Checking account fraud. My account was compromised and someone got into my account and apparently tried to deposit some funds without my knowledge.

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 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, my unemployment payment of {$1500.00} was deposited into a MoneyLion fraudulently opened account after a scammer/hacker hacked into my unemployment account and changed my banking preferences. I contacted unemployment and they had me to change my banking information back to my routing and account number as well as change my login pin. Unemployment was not able to retract the payment. The routing number of the fraudulently opened account is XXXX and the account number is XXXX. I contacted MoneyLion on XX/XX/XXXX and told them what happened. MoneyLion confirmed that the money was still in the account and submitted a fraud report to their fraud department and said someone would contact me within 24-48 hours. When I didn't hear from anyone after the 48 hours, I contacted them on XX/XX/XXXX and was told that they won't contact me via phone, but will contact me via email and I wasn't able to speak to the fraud department. They also said that my ticket ( XXXX ) was closed, but couldn't give an explanation as to why it was closed. They opened up another ticket ( XXXX ) and told me someone will contact me via email within 24-48 hours. I still didn't receive a phone call or email within the specified time frame so I contacted them again. On XX/XX/XXXX, I was told that approximately {$900.00} of my money was recovered and they were working to recover the remainder and would contact me at the end of the week with an update. On XX/XX/XXXX, I spoke with XXXX at MoneyLion and he told me all of my money was recovered. So I asked when it would be returned to unemployment so that I could contact unemployment after it was returned. He couldn't give me a date so I asked to speak with a supervisor. The supervisor, XXXX said that the money wasn't recovered so my question was why would XXXX say that it was recovered. He said he didn't know so I asked him to ask XXXX why he made that statement and I asked why would the representative that I spoke to on XX/XX/XXXX say that approximately {$900.00} was recovered. He didn't have an answer for that either. My next question was whether or not the money was still in the account. The supervisor said that the money was withdrawn from the account on XX/XX/XXXX and wasn't recovered and that they would not be returning any money to unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a mortgage with 5th 3rd bank since XXXX. Beginning on XX/XX/XXXX my home burned. The fire department arrived on XX/XX/XXXX. I filed an insurance claim and checks were issued to myself and 5th 3rd bank for a total loss. 5th 3rd put the funds into escrow for the rebuilding of our new home. We are still in permitting process but the bank has demanded we get homeowners insurance for a home that does not exist. Our old insurance was cancelled because they said they could not insure a structure that did not exist. % 5h 3rd had told me in XX/XX/XXXX that I did not need insurance until my home was built. They have sent me several letter demanding I commit fraud by buying insurance for something that does not exist. 
I have contacted them several times and each time they lie to me and drop the issue. They keep hanging on me because I am XXXX with XXXX and can not handle XXXX, when I ask them to accommodate my XXXX they hang up.

Company response to consumer: Closed with explanation