vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-16 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am making a complaint on this company because I have reached out to them several times to no avail. My first issue with this company is that they're reporting late payments to the credit bureau that do not make sense. They're stating that I was 30 days late 2 times, 60 days late 2 times, and 90 days late 12 times. This is incorrect information. I have asked for documents countless times. This is also incorrect reporting, how can I be 90 days late on something 12 times but not 30 or 60 days late 12 times. They're causing me XXXX XXXX XXXX  with this incorrect information they are reporting to the credit bureaus.

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 2021-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
I have a mortgage of about XXXX in XXXX my house had some damage. The insurance company sent a check for XXXX made payable to both myself and the mortgage company. I called the mortgage company and told them i wished to pay off my loan. They told me to endorse the check send in a copy of the insurance payout and a letter saying that I wanted to pay off the loan. I have called every couple of weeks since then. They have not paid off the loan or refunded the overpayment. They also keep hitting me with late changes. Every time they give me a different reason. They did deposit the check sent back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-12-16 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: TX

Complaint narrative:
Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX, 2021 statement lists total charges, credits, and returns as {$1200.00}, but auto pay took {$1200.00} out of my checking account. Now my XXXX statement says the total charges, etc. are {$1100.00}, but they are planning to take {$1100.00} for payment in full. Both statements say no interest was charged. Every charge that appears on each statement is reconciled by receipts that I have retained. I have no receipts that are not accounted for. I want to know why the payments taken from my checking account are greater than my total charges, credits and returns. Multiple calls to AppleCard have had ludicrous results. The first agent could not find my XXXX statement. The second agent produced figures that were completely incomprehensible. When I asked to speak to a supervisor I was referred only to another agent who could not explain the discrepancies. Finally I was told XX/XX/XXXX, that the problem would be sent to account management and I would receive a call from them within a week. Call did come XX/XX/XXXX, and left a message from " XXXX '' to call back leaving the same number I had already called multiple times. I did call back, was put on hold, and then disconnected. Calling again resulted in two " beeps '' and then a long silence with no connection established. Of course I have cancelled the card, but I am owed a refund on the mysterious overpayments taken out of my checking account on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I made my monthly payment to my Bank of America XXXX loan. When I got the load through them I registered a online account with them. When you do this you add you bank information ( checking ) that I would be using to make the payments. 

I made several payments through the system. Its important to know that when you register the account you do not have to re-enter your banking information again as the system has it on file ( banking information which you are making the payments ). 

I when into the online account on XX/XX/2020 and made my monthly payment as usual and took a photo of the confirmation number as I always do. I have photo and date of photo as proof. 

In XXXX I received a late payment notice on my credit report. I called BOA ( Bank Of America ) and the customer service rep told me that they did not know why the payment did not go through. But because of the issue of the conformation number the system does not recognize the payment was not made and BOA does not call as a reminder of a payment not being made in time. The customer service rep said I probably did not have sufficient funds in bank account to make payment. 

I have a photo of my bank statement from XXXX that I had a balance of {$15000.00} at the time of making the payment. 

I think it is not my fault and I did make the payment in good faith and it was BOAs system that had a failure and I would like to have the late payment removed from my Credit Report if only fair and just.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I called XXXX XXXX XXXX XXXX, company to stop the recurring payments with the payment arrangement I set up for the debt amount. The payment arrangement was XXXX per month and the debt amount was XXXX. I spoke with agent XXXX XXXX and he sent an email confirmation to confirm the cancellation of the payments. After this agreement my account was not debited for XXXX but was debited XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2021.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: IL

Complaint narrative:
I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call XXXX, XXXX, or Experian about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. XXXX, XXXX, or Experian can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave XXXX, XXXX, or Experian the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of XXXX, XXXX, and Experian credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. XXXX, XXXX, or Experian are criminally and civilly liable for reporting inaccurate 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 non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I, the original creditor and consumer received a disrespectful debt collection letter from Radius Global Solution LLC attempting to collect a supposed debt. The debt collection letter stated that Radius Global Solution LLC is a debt collection company. With that being said, Radius Global Solutions LLC are subjected to follow the 15 USC XXXX XXXX Collection Practices by LAW. Radius Global Solutions LLC violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

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 2021-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My mother opened a capital one credit card in my name without my permission. I just noticed it and this is fraud I did not open anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( XXXX XXXX ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.

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 2021-12-16 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:
Greetings, I have made attempts on several occasions to apprise all XXXX credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX XXXXXXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I mailed in the request form to Experian ( credit company ) ask them to lift XXXX  military alert and initial alert because I am applying to refinance my mortgage. The bank is unable to pull my credit file because of XXXX military alert and initial alert. I sent the request through USPS express mail, and it was deliver USPS Tracking Tracking Number : XXXX Scheduled Delivery by XXXX  XX/XX/2021 by XXXX Status Delivered, Left with Individual XX/XX/2021 at XXXXXXXX XXXX  XXXX XXXX TX XXXX It has been 9 nine days, but nothing has been done. I would appreciated if someone can contact Experian and had them remove the XXXX military alert and initial alert for me. Thank you.

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 2021-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A new checking account was opened with TD Bank without my knowledge or consent. Contacted TD bank was referred to TD BANK fraud department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I came to an agreement with midland on a payment plan that satisfied both parties. The last copy of a document I received was after I made a phone call to set up my payments automatically which states I would pay {$100.00} on XX/XX/XXXX and then subsequent recurring payments of {$100.00} beginning XX/XX/XXXX and last payment of {$100.00} on XX/XX/XXXX. I have made all agreed upon payments which were taken automatically and electronically from my account ending in XXXX as per the agreement. I have upheld my end of the agreement and I no longer owe midland anything for the account they own which was previously an express credit card owned by comenity bank. Midland is showing on their website when I log into my account that I still owe {$230.00} and that my account number with them changed and shows no payment history nor allows me to check my old account number. They sent absolutely no correspondence that my account number was changing. Now they are incorrectly reporting this debt and it is still showing on my credit report and harming me when I have done the right thing and worked hard to repay this debt. I called early XXXX and a specialist said the account was paid off, and did nothing else about it. I have since tried to contact midland multiple times to which I have received zero response and no contact whatsoever.

Company response to consumer: Closed with explanation