vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2021 REPORT OF : IDENTITY THEFT Contact information : ( XXXX ) XXXX Email adress : XXXX I recently notice I was not recieiving mail from My mailing adress. First a little then a large quantity of mail was not showing up. Then I notice I would recieve notices and letters from a financail institution I did not bank with and they were late or final notices. At first i did not think much of it, then I was conversing with a collegue at work and they informed me that it sounded like early warning signs of identity theft. This has never happened to me so I did not know what step to take to protect my self from this situation I have never took on before. Once I check my credit score which my sister recommended, then I notice negative markings on my report, so then I realized I must do more research on how to report these impersonating scammers. My research led me to this website which has me now reporting this crisis in my life seems to be going thru. Here or some financial institutions which I recieve accounts under my name which I was not aware of or recall at all opening XXXX, XXXX XXXX bank of the west, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, current. I don't know how long this was in effect BUT SEEM TO ALL HAPPEN AROUND XX/XX/2021 UP IN TILL NOW XX/XX/2021 and each leaving me with a debt of thousands of dollars. Which is now leaving me stuck with negative mark on my credit score from people stealing mail from my mailing adress but have took measurments on how to prevent it from continuing much help is greatly needed please and thankyou have a great day.

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 2021-10-28 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: MD

Complaint narrative:
I recently reviewed my consumer report and have notice some accounts I am not familiar with. I have followed all proper procedures to have these items removed from my consumer report. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
A purchase was made from a furniture store called XXXX XXXX XXXX  on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
To whom this may concern, Please note By law I can request information and debt validation on any account under FCRA 623. 

XXXX XXXX XXXX XXXX For starters, Great lakes sent me papers stating I owed an alleged debt which is a violation of 15 usc 1692b ( 2 ). Great lakes also stated that I signed papers.

Please provide me with an original copy of contract bearing my signature in wet ink to validate what you sent to the credit bureaus to " verify '' this information reporting on my credit report and in any system holding my consumer information. 

The above referenced account is on my credit report. Pursuant to 15 usc 1681a ( D ) ( ii ) ( ii ) ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I never gave you permission to furnish, sell or distribute my personal information on my credit report.

Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
On XXXX I XXXX XXXX personally sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response from anyone yet. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. I don't understand why i am being treated and ignored of my disputes. I learned that failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NJ

Complaint narrative:
Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hello I have been contacting this company regarding removing the dispute I placed on that account and report that I am no longer disputing the account. They will not remove the dispute until I pay it in full. 
The representative said I had to pay today in full and that nobody was available from that department to help me. 
This dispute is hindering me from obtaining a mortgage. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: AL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: CA

Complaint narrative:
Hello, We had applied for a loan with DHI Mortage on XX/XX/2021, the Loan officer XXXX XXXX XXXX NMLS ID # XXXX, gave a go-ahead to submit the offer to our realtor on the same day. On XX/XX/XXXX XXXX called us to confirm the loan and said we have to get a letter from the employer to prove that we will have the same salary after we move to XXXX. Firstly we are in the same or similar job for 12 years and have XXXX down in cash, XXXX salary and XXXX credit score applying for XXXX loan. She didn't do any due diligence to confirm us what info she needed on the letter would need to take a loan. ( we called her multiple times, reached VM, emails, texts were not replied to ). We wanted to know what exactly should be in the letter head of the letter from the employer. 
( Legally she should not ask us on securing future employment details ). 
The next day we were asked to sign the purchase agreement and we did. Our realtor was told we won the bid and an email would be sent in 1 hr confirming it. 
the next day she send us a denial letter saying the length of the employment History was the reason on denying the loan. She never tried to speak, ask and help us to acquire the House.the calls and VM, emails texts were not replied to and missed doing any due diligence on it. she dint care for us/neglected us. we were clearly discriminated by Builder, the loan officer based on nationality and race. They evaluated us on how to eliminate this application rather than giving it a fair chance. Please look into this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
I am writing to file a complaint against Experian and their failure to remove an unauthorized account from my Experian Report which is costing me XXXX  of interest every year along with false account hurting my ability to obtain employment, health insurance, Mortgage & Credit Opportunity. My family and I are experiencing difficult financial hardships at this time due to COVID and these false accounts have been affecting me tremendously Account : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I am the original Creditor. these Accounts is in direct violation of 15 USC 1681 *ATTACHED DOCUMENT - XXXX card -letter of consistent rejection from companies for this direct violation of my consumer report " CHARGE-OFF ''

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 2021-10-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I opened a XXXX XXXX Secured credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from XXXX XXXX XXXX since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX XXXX XXXX was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: GA

Complaint narrative:
In CU RECOVERY 's response to CFPB Complaint # XXXX, CU RECOVERY mentioned XXXX Employees XXXX placed two alleged accounts of mine in their office for collection. They were not supposed to collect my location information. 15 USC 1692a ( 7 ) defines The term location information means a consumers place of abode and his telephone number at such place, or his place of employment. The fact that they collected my name, telephone number and address is an infringement to my privacy, pursuant to 15 USC 1692 ( a ) that is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I received my order for a metal detector from XXXX XXXX XXXX My sons birthday was XX/XX/XXXX and realized it was not a metal detector used for finding items in sand, but a XXXX hand wand for weapons. XXXX said that I had to get my refund of {$160.00} from XXXX. I had a balance due from XXXX of {$95.00} and a long time cardholder. When they informed me they would not refund me I cancelled my card. Commenity bank will not stop charging late fees and my credit is important I returned this item on XX/XX/XXXX via USPS. They are calling non stop even though I requested them to stop. I spent Hours on phone but I am not going to pay for a returned item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: AL

Complaint narrative:
UPDATE!!!! XXXX XXXX has deleted the fraudulent bankruptcy on XX/XX/21!! I have attached the letter from them stating they were unable to verify the accuracy of the bankruptcy. FCRA, 15 USC 1681 The public records and the associated bankruptcy derogatory accounts must be deleted.

Previous message So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I received a letter from Credit Corp Solutions Inc Dba Tasman Credit Corp ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a XXXX account in the amount of XXXX. After numerous calls to Credit Corp and XXXX I was told by XXXX XXXX my account was paid in full and never turned to any collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Hello, I am seeking help for a very frustrating situation with my credit card company. It is an Apple Card managed by Goldman Sachs. 

My XXXX statement total balance shows as {$810.00} On page two of the statement the total amount of charges, returns and refunds is {$760.00} There was a return in the amount of XXXX posted on XX/XX/21. The difference between the balance shown on page 2 and the statement balance is XXXX. That amount was subtracted on page 2 but never reflected in the statement balance or the amount I am expected to pay. It is also not reflected in my current balance. In other words, while the credit is clearly shown in my statement, it was never actually subtracted from the total balance. 

I spent an hour and 10 minutes on a chat with Goldman Sachs customer satisfaction representative who stated that the amount had already been deducted and there was no discrepancy. Clearly it was not but the representative would never acknowledge that. It took an hour and ten minutes.

The first representative with whom I spoke acknowledged that they could see the discrepancy but the supervisor flatly refused to acknowledge it. Either the supervisor is completely incompetent or there is something very shady going on at Goldman Sachs.

So, I am being charged {$49.00} for what should have been a refund. Everyone who has an Apple Card should be checking their balances very carefully.

How can you help me to resolve this?

Thank you very much for any assistance you can provide. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. GM FINANCIAL Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX  XXXX, NC XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft Account Number : XXXX Please remove it from my credit report. 




Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation