vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX

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 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACOPIA CAPITAL GROUP
State: TN

Complaint narrative:
I gave all of the information for my application over the phone on XX/XX/2022 that same day the XXXX XXXX XXXX with Accurate Mortgage XXXX TN, called back and told me the interest rate was 5.5 % she gave me the payment amount of {$2200.00} and closing cost were {$11000.00}. I told her to lock the rate and that Id like to proceed. On the XXXX I asked here where the XXXX was, that I hadnt seen it yet, she told me since I hadnt give her the real estate contract she hadnt locked it in. She then told me the rate went up and the payment would be higher. I then asked to speak with her manager and told him that I knew the laws and that I was entitled to an XXXX and the rate she quoted me. He then said he could lock the rate as it was at XXXX so I said ok. When he sent the XXXX the closing costs went up to {$17000.00} and they want me to sign the application dated XX/XX/2022. XXXX not comfortable signing an application dated 11 days after my application was taken and feel like Im being asked to lie to cover up their lack of compliance with TRID-RESPA. I finally received an XXXX  by email today Monday XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I signed up with a credit repair company called XXXX XXXX XXXX ( XXXX ; XXXX ) ... for a debt of about {$3000.00} during XXXX. I was paying {$100.00} every month. I kept my commitment and paid every month through XXXX. During the covid pandemic I lost my job but I continued to pay when I could. I asked for a repayment plan that would work with my situation. None was ever offered. 
The debit was then transferred to Midland Credit Management. Midlandcredit.com. ( XXXX ; XXXX ; XXXX ) ..I don't know why it was transferred. I was never informed about the transfer of my debt. For some reason, some of my payments weren't accepted. I called to ask why and they never explained the reason why my payments weren't accepted. 
I then received a notice in the mail in XX/XX/XXXX that my debt was now increased to {$1000.00}. I had paid the debt down to {$100.00}, so I did not understand why my debt was increased to over {$1000.00}. I called Midland Credit Management in XX/XX/XXXX and inquired about this increase. They did not give me any answer. They said they declined my payments sporadically .... for XXXX, XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX. They did not give me a reason why. 
Now Midland Credit Management states that I owe {$1000.00}. They have never explained why my debt has increased over 10x. They intend to file on my credit report.

I beleve both of these companies are engaging in illegal and predatory practices towards their customers. Can you please investigate and help me determine how to prevent these 2 companies from negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I'm ending a covid forbearance program and want to resume payments. This company has locked me out of my web account and will not answer their phones. I've tried over 20 times to call 5 different phone numbers and can not get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies XXXX XXXX and Early Warning Systems due to a recent denial in achieving a new bank account.

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

XXXX XXXX  Consumer ID XXXX Early Warnings Consumer ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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 — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
My wife made a online purchase for vitamins for XXXX dollars this company charge my card card that amount but continue to keep charging my card. I called my credit card company as soon as I realize what was going on. And told them what had happen I was charged XXXXAfter the 1st charge I inform the card company and told them it was fraud. I have been trying since XXXX to get a refund the merchant kept giving me the run around and never refund me on cent. At first the credit card company put the money back on my card while they investigated the charges.They asked me for a receipt but I told them I never receive one it was done over the phone online. In the meanwhile in that 60 day period I never received my package so I asked the credit card company to help get all my money back. unfortunately in the 60 day time limit I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so i missed the time i was i could not appeal and i was liable for the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: DISCOVER BANK
State: MS

Complaint narrative:
Regarding account ending in : XXXX 15 U.S. Code 1692c- Communication in connection with debt collection, I XXXX XXXX XXXX XXXX Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit report to all Credit Reporting Agencies on my behalf. Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. Failure to comply will result in many fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My checking account with USAA had a balance of {$46.00} in which I went to pay the balance today and was told my account was charged off. When I asked how and why would my account be charged off without me being notified and the balance was only remaining for 3 weeks. Also I filed XXXX XXXX bankruptcy on XX/XX/2022 case number XXXX and they refused to recognize my bankruptcy please assist me In starting legal action against them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Hello, I recently applied for a XXXX loan to buy a house for my family. When the lender ran my credit report, I had an account from Wakefield & Associates pop up for {$3100.00} that I am completely unaware of. I decided to call them and inquire about this debt, XXXX answered my phone call, I asked for any proof that this debt was mine, any signatured documents from me, they stated, " That's not how this works. '' I explained that I will file a complaint with the XXXX and XXXX for reporting erroneous information to my credit report and limiting my credit possibilities. XXXX then stated, " That's not how this works '' again, then proceeded to tell me to " call a hospital and ask for itemized list. '' I don't have any recollection of this debt by any means. I have disputed this multiple times. 

Please help remove this from my credit so I can purchase a home for my family. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2022 there was a Hard Credit Check. Someone fraudulently opened a Discover Card using my name, address, phone number, and I believe Social Security Number. I phoned Discover when I received notice of a change of address to a card I did not apply for, I had just received the card. They apparently cancelled the card after my phone call, and the situation was referred to their fraud department. I received I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022, after there was another Hard Credit Check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
on XX/XX/2022 I was notified that someone was declined overdraft coverage for an account ending in XXXX with Truist Bank. I did not open this account- it is fraudulent.

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: GA

Complaint narrative:
I was harassed today from Allied Interstate LLC. Not sure why they are calling me I dont have any debts and so dont owe anyone. This is very aggravating how companies can call and harass you over a debt you dont owe and never received and type of written communication. I will be getting in contact with an attorney regarding this harassment. I dont appreciate this company calling and harassing while Im trying to work. Most debt collection companies are companies who buy old debt that has already been written off and accounted for my the original creditor or organization. The original organization has already gotten credit for it. I will file a lawsuit against Allied Interstate for harassing me.

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 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has called me 12 times. I have repeatedly told them i am not the person they are looking for they want to speak to a XXXX. They have said they will take my number out of the file, but keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agencies shall promptly delete the information from the file of the consumer.

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 2022-07-25 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:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Submitted On numerous occasions the inaccurate reporting on my credit file for ability recovery collections. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.

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 2022-07-25 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove account from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/22, I tried to access my checking accounts via the XXXX XXXX  and received the error " We locked your account due to suspicious activity. Call us to unlock it. '' I called on XX/XX/22 ( a Friday ) and was told an account that I had just opened online ( at the bank 's recommendation ) was locked because my wife had used her XXXX app to make a deposit. So we had to go into a branch with ID to prove we made the deposit. Frustrating, but ok. In the meantime, ALL of my checking accounts, savings accounts, and credit cards can not be accessed either via the app or the bank 's website. Since I have paperless billing, that means I can not make payments on my credit card or pay other bills over the weekend. 

I called Monday morning to make an appointment at the local branch. An automated system informed me I had to make the appointment on the website. But, I am locked out of the website, so that's not possible. 

I called the local branch and was redirected to the central customer service office. After navigating the automated system to finally get to a person, she immediately transferred me to another department that had a wait time greater than XXXX minutes ( just to make an appointment! ). Realizing that this dept would be unlikely to actually be able to schedule an appointment, I tried again, navigated a bit differently, and reached a point where the system said no one was available to take my call and hung up on me. 

The last XXXX times I dropped by the local ( XXXX XXXX ) branch for assistance, I was told they couldn't help me because all available staff were helping people with appointments until closing time. So I believe I need to make an appointment, but it appears to be impossible in this situation. 

I still can not access any of my accounts and it is not at all clear what I need to do to regain that access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: CA

Complaint narrative:
I Submitted On numerous occasions the inaccurate reporting on my credit file for aXXXX XXXX XXXX. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I was contacted by Southwest Credit Systems ( SWC ) who was trying to collect a debt purportedly owed to XXXX XXXX. In its notice, SWC referenced account # XXXX. This is not my account. I called XXXX, and it does not have any record of this account and no outstanding balance associated with my name. 

Please discontinue this collection attempt, including calls to my mobile phone, and do not furnish any negative information to the credit Bureaus.

Company response to consumer: Closed with explanation