vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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:
FRAUDULENT INQUIRES ON MY EQUIFAX CREDIT REPORT! BLOCK AND REMOVE! 

XXXX XXXX INQUIRY ON XXXX ATTACHED IN FTC REPORT, ID AND UTILITY BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect balance information with credit card account and incorrect credit score is being reported by Equifax. I've tried disputing the incorrect information and even called and spoke with a rep on XX/XX/XXXX. I provided the accurate information to the account in which was not being reported correctly and Equifax has still failed to update information accurately which is hurting my credit score by not given true score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
There was man who named himself XXXX XXXX XXXX and told me that I missed Jury duty and I had 2 sitations. 2 sitations XXXX Failer to appear XXXX XXXXXXXX XXXX He called me at XXXX. 
With each sitation he also told me I had warrants for my arrest if I didn't comply and pay XXXX per sitation. He also told me to get my money back I must report at the next federal court on XX/XX/15 to the next court appearance at XXXX XXXX  at XXXX XXXX XXXX XXXX, VA. 
Also I must pleade my case of why I missed the first Jury Duty trail at XXXX XXXX. XXXX, XXXX, Va. 
I had to pay the fines to stay out of XXXX  and pleade my case. He told me the method of payment was Zelle. This guy had a very professional voice and was so believeable and smart he tricked me into giving him the entire XXXX. He told me to send it to the clerk on Zelle to the name XXXX XXXX XXXX. That is the person who the money transaction was made to. I did file a police report and told my bank since the Zelle was through my XXXX XXXX XXXX. They seem to be giving me the run around and I have been a member for over 15 years. I really learned a valuable lesson on scams to never give money over the phone to anyone even if it was a pretend sheriff. I really needed that XXXX for my wedding and I am very hurt this happened to me. 
Hope they catch this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX contacted XXXX, XXXX, XXXX, AND NATIONAL CREDIT SYSTEMS on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO NATIONAL CREDIT SYSTEMS XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TX

Complaint narrative:
I XXXX XXXX XXXX contacted XXXX, EXPERIAN, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX XXXXXXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

EXPERIAN IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT

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 2022-08-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my Experian, XXXX and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. XXXX XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.

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 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
My loan was obtained through XXXX as broker and through First Tech Federal Credit union. The deposited proceeds from the loan hit my bank account on XX/XX/22, however the amount being paid directly to credit cards have not been applied, nor are there scheduled payments showing. This means I am paying interest on the funds to First Tech and to the respective credit card companies. 

XXXX - Loan Approved and Promisory Agreement Signed XXXX - Proceeds deposited into my checking account XXXX - Direct payment to cards still not posted.

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 2022-08-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2022-08-08 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: TX

Complaint narrative:
I am responding to complaint number XXXX Experian you are not reading what I am asking you to do! I am not asking you to verify any information or validate information with XXXX XXXX. STOP SENDING XXXX XXXX VERIFICATION, BECAUSE I AM NOT ASKING YOU TO VERIFY ANY INFORMATION WITH XXXX XXXX! I HAVE ALREADY REQUEST FOR VALIDATION FROM XXXX, THEY SENT ME A LETTER AND STATEMENTS SHOWING THAT THEY HAVE PURCHASE THE DEBT! I AM ADVISING YOU EXPERIAN ACCORDING TO CFPB 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts.

( b ) Definitions. For purposes of this section : ( 3 ) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt : ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 

YOU MUST DELTE NOW!

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: ID

Complaint narrative:
This card has been paid off and I thought since I don't use it anymore, that it would be closed or at least remain a XXXX balance. I don't even have the credit card anymore! I keep getting delinquent notices and statements showing balances and late fees. I've tried calling the phone numbers listed on all correspondence to talk with someone and each time after I enter the credit card number from my statement, the message comes on " we are experiencing technical difficulties '' ( or something to that affect with those similar words ), and the call hangs up on me. I've tried calling another number, and the call just drops. I just found a way to email them today and have done so, only to find out the the email form, though it stated it was their company, it was actually some website called " XXXX XXXX ''. 

Anyhow, this has been going on since XX/XX/2022 and I can not get this resolved with them directly. I'm beginning to think this is just a scam in order for me to call in to " pay your bill by phone '', to give them another payment method so they have my other account information. I won't do it! 

I need this resolved and removed from my credit 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Citi card ending in XXXX which I attempted to close last year and told it was closed even after aggressive attempts to promote to me 1 time offers of keeping the account open. I had been under the belief that the account was closed but recently received a late fee notice for the annual membership fee. I haven't used this card in more than a year and after calling the phone representatives were again very aggressive in trying to prevent from closing the account. They claimed the account is now closed but online the account still appears open and with fees being racked up. I fairly unhappy that Citi customer service is refusing to close the account on multiple occasions now.

My last attempt to close was 1 week after last year 's annual fee hitting and I have phone records of calling. 
I attempted again to call on XX/XX/XXXX and XX/XX/2022 after receiving past due notifications in my email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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: SC

Complaint narrative:
Equifax are furnishing inaccurate information on my credit report Ive never gave my consent to any of this information that is reported due to 15 USC 1681i A Equifax did a investigation on the information & still havent deleted the information that not my accurate information The 3 names reporting on my Equifax report is inaccurate & must be deleted Address are reporting to my account where I have never lived XXXX XXXX XXXX XXXX loan the account is inaccurate & missing information that its paid in full XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX is a account that should be deleted I never gave my consent to this information or this account at all If the information is inaccurate I demand that Equifax deleted the inaccurate information from my account thats discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I was laid off from my employer on XX/XX/XXXX. I struggled to find employment and was on Unemployment Benefits from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX my mortgage company, XXXX offered assistance due to COVID. I explained to them that I had lost my job an was starting to struggle to make payments. They offered me a forbearance or deferment, not certain on the verbiage. However, the option was that I can defer my mortgage payment 6 to 12 months due to COVID. Afterwards, if I am still struggling there would be other options or they had other options I could take advantage once the deferment ends. The options were payment modification or they would move what I owe to the end of the note and I would maintain my regular payments. I took advantage of the 9 month deferment and when I spoke to them in XX/XX/XXXX, I told them I found employment and would like to move my payment to the end of the note. XXXX recommended since I just started and my status is a XXXX, that I extend the deferment for the full 12 months to allow me to get caught up. I agreed to those terms and during this period my loan was sold to Select Portfolio Servicing. Once I received communication my mortgage was with them I proceed to call them weekly, Each time they notified me they did not have all my records from XXXX. I told them about my situation and wanted to ensure that I would be able to maintain my normal payments and move my past due to the end of the note as promised as an option with XXXX. I spoke with SPS last month and advised them I had my payment pending for XX/XX/XXXX as promised to continue my payments. They informed me that I would have to take a survey to proceed further, they ask 3 questions, 1 if I am still experiencing a hardship, I stated no, 2 if I am able to bring the account current by paying the past due amounts, I stated no, 3 if I am able to maintain my normal payments, I advised Yes, they told me it would take a couple of weeks and I do not have to make any payments because I am under forbearance still, however I did not cancel my scheduled payment. This weekend I received a letter that I am possible foreclosure unless I enter a payment modification loan and make XXXX payments by XX/XX/XXXX. Each time I called no one was able to tell me anything about my situation. I called SPS on Saturday XXXX and now they are stating they need to research my situation. I advised them how if they do not have all my information from XXXX, SPS is trying to put me on a new hardship plan that I did not agree to and are threating me of foreclosure. Can someone please get to the bottom of this, I do not want to lose my home because the lack of documentation from XXXX and their negligence to inform the new servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We applied for a mortgage on Friday. Monday morning we are getting 10 calls an hour soliciting us for mortgages. One company was XXXX XXXX. He told us he got our information from TransUnion. How is it legal that TransUnion so mod our name and cell phone to other brokers? 
We called TransUnion and spoke to the supervisor in charge at a call center and he was completely unhelpful. All he kept saying was that we should purchase credit watch services to protect us against leakage of our credit information. It was infuriating as we were told it was TransUnion that leaked it. He could not understand why were upset and we ended the call with no resolution, instead filing this complaint.

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 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
I have been approved for the Home Owner Assistance program. I have a completed third party authorization form but my mortgage servicer will not accept any of my forms. They say they have no correspondence from the state. I was approved in XXXX, I sent my application in XXXX. These funds could be sitting and not even being processed or my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: UPGRADE, INC.
State: GA

Complaint narrative:
Hello, Upgrade XXXX XXXX has many issues they will not work with their customers to fix or solve. I have called several times to change my due date and they will not do that.it a set date and they refuse to budge. The card also gets refused alot, several times at gas stations and stores. I have Paid off half of my {$6200.00} debt on the card in the last month, one payment of {$3000.00} and another of {$470.00} and my payment has not reduced at all. It still at {$450.00} plus a month. I do not understand how a company continues to work like that? I need some action done on my part. Their reviews are horrible on XXXX and other review websites. Can I please have some advice on this situation. I am paying the card off and not using it anymore but I feel like they are taking advantage of people. 

XXXX XXXX

Company response to consumer: Closed with explanation