vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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:
Hi, I hope you are doing great! 

I do not recognize accounts in my credit report. Please take a look and let me know what to do with them. I file a report and I hope that this situation will be resolved shortly. These items killed my score and all my XXXX  activities just stopped. Its not fair and I asking for your help here to tell me what to do and how I can remove these fake accounts from my credit report. I am obviously victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
There are a couple of accounts that do not belong to me on my credit reports. Please remove them.

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 2021-06-10 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: CA

Complaint narrative:
There are a couple of accounts that do not belong to me on my credit reports. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: FL

Complaint narrative:
I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence. 

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Global Lending Services LLC
State: FL

Complaint narrative:
I sent a letter regarding unauthorize inquiries on my credit report to this company over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress I am being emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AR

Complaint narrative:
I I had a real realtor working with me to do a quick sale on the home and they approved it but they have since rejected three offers that had been set to go to closing stating that the amount of money was not enough the house is not worth what theyre asking for and I feel like they are trying to railroad me I filed bankruptcy I paid off this house in bankruptcyBut yet they are saying I still owe on this house Im just trying to keep my credit straight and get away from these people after paying in seven years XXXX and some odd dollars this house has been paid off I shouldnt have to pay it off again I want out I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filed an FTC complaint and it still has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Lincoln Educational Services Corporation
State: IL

Complaint narrative:
As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXX Amount : XXXX Date : XXXX lincoln Tech amount : XXXX Date XXXX XXXX XXXX XXXX  amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We sold our house and Escrow team contacted SunTrust Mortgage for final pay off amount on XX/XX/XXXX. We got the amount details and Escrow team paid off in Full on XX/XX/XXXX. However, there was auto payment scheduled that night and an amount of XXXX $ with drawn from my checking account on XXXX. 

When i contacted initially, they agreed that autopayment was not cancelled and they will refund the amount ( XXXX ). 

When i called them 2 weeks later, they said that amount was adjusted to my loan. I asked them how could they adjust that amount to the loan after i got the pay off amount including all taxes, etc. 

There is no proper answer to that, and the Reps keep forwarding my calls from 1 team to another or keep me on hold for several hours. I asked them to send every single payment i paid from the beginning and how this XXXX $ amount missed in their pay off calculation just 2 days before. No response to that.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have asked Kohls to close my account and take me off as an authorized user on my fathers kohls card. I have asked them to do this at least twice in 5 years. When we call Kohls they say i am not an authorized user. However they are reporting to me to the credit beauros as an authorized user. We called kohls today XX/XX/10 after pulling a credit report and they claim im not an authorized user. I need this escalated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accurate information on my created report showing as delinquent, not enough available credit on revolving accounts, exe

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 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have requested that they remove the PMI from our mortgage several times as our loan to value is below the required 80 %, and they are refusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX 2020 I had a charge on my Capital One Visa card in the amount of {$40.00} On XXXX XXXX 2020 I had a charge on my Capital One Visa card in the amount of {$300.00} XXXX XXXX is the name on the 2 charges, I have no clue who they're. 
I called Capital One & they couldn't give me any help in identifying this merchant, I want to call them or email them to question why they charged my card, I went back & forth with Capital One & they still didn't give me a credit, I also filled out the papers they sent me but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XX/XX/2020 Santander sold my account to XXXX XXXX. 

During this time Santander knew they were dealing with a multi-state Class Action Lawsuit for predatory lending. Furthering the actions that caused for them to be sued, in order to not have to pay out as much, it seems they sold my account to XXXX XXXX. The amount of the debt is {$10000.00} for a car that I no longer have, and have more than paid for in total payments within the initial contract. In lieu of clearing the deficiency, they sold the debt to a debt collector and paid restitution from the amount they received. Its very shady

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
Was the previous text lost? 

I had a completed modification and then approx. 2 months later ( XX/XX/2019 ) numerous changes were made to my ledger without explanation, causing my account to show past due. 

XXXX XXXX+ added to my balance, but then sometimes not on my balance. 

I have done a independent mortgage audit which they ignore. 

I have sent all my payments documentation and it does not get reconciled. They just keep sending me very small print ledger which not even my auditor can make sense of. 

There is what seems to be illegal action even documented on some of the paperwork they sent me. 

I can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
My previous home was sold on XX/XX/2020 and the mortgage with Homebridge was paid off. We received a letter of satisfactory. 6 months later Homebridge continues to report to all 3 credit bureaus that the account is open. This has affected my lifestyle and family tremendously as it shows that I have multiple homes and mortgages and it has negatively impacted me & my family. Ive attempted multiple times to resolve this with Homebridge and they continue to say to dispute it with credit bureaus instead of updating the account status. Ive requested to speak to a supervisor and Im denied to speak to one at the moment and told a request is submitted and I have to wait an unknown amount of time to receive a call back. I have yet to receive one.

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 2021-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation
State: GA

Complaint narrative:
National Collegiate Student Loan Trust has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXXLVNV Amount : XXXX Date : XXXX XXXX XXXX amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is an able account for XXXX ( the nick name is XXXX ). We closed it as they kept charging fees. The condition for no fees is to have {$250.00} which we did or/and be paperless which we were. They backdated fees for a year and refused to refund them, we have had a balance among all accounts over {$250.00} and also been paperless the entire time. There is a state fee but this is the bank fee we are referring to, not the state able account fee. The bank charged us on top of the state fee. It was unreal! They refused to refund us on this special needs account! We want our monthly fee reimbursed. We have moved all money for both our able accounts away from fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Checking and savings accounts were opened with my Social security number, name, address with Huntington National Bank in Ohio. Several letters and a debit card arrived at my home address on the same day XX/XX/2021. Huntington has contacted their fraud dept. I have contacted all 3 credit bureaus to flag my social for fraud. I contacted all financial institutions I do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In response to your previous correspondence, Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In compliance with these laws the account that was not disputed by me needs to be reported. In regard to your claim of an alleged debt, in which you responded with furnishing deceptive forms in the form of monthly statement ( s ) pursuant to 15 U.S. Code 1692j, My affidavit still stands and must be rebutted line by line starting with jurisdiction any other response is not lawfully sufficient. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
Debt collection agency has frequently made repeated calls during work hours ongoing for two years, one in particular made by the executive vice president who offered little to no help after expressing the importance of my workplaces no phone policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: MI

Complaint narrative:
//TRANSUNION - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021

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 2021-06-10 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: MI

Complaint narrative:
//XXXX - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation