vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: GA

Complaint narrative:
THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2021-05-24 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: CORELOGIC INC
State: GA

Complaint narrative:
THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2021-05-24 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: CA

Complaint narrative:
i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to EXPERIAN XXXX AND XXXX only XXXX fixed the issues experian and equifax refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.

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 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Arvest Mortgage let me take the money I could not pay and put to the back of the loan but now they to want to change the agreed upon terms to something less favorable for me. I do not have what they said in writing but we verbally agreed to this contract. I had a covid related hardship and that I could not get my rental house rented out due to covid restrictions, but now that I have rented the house I will be able to make the payments at starting XX/XX/2021. Arvest Mortgage wants to change the terms of our agreement. They have sent me numerous letters and even an registered letter to force me to call them. Each letter also says disregard this letter if you already know what you are going to do. I want the terms in which the money I did not pay was moved to the back of the loan, as we agreed on with no changes. I am unable to make an online payment because they want me to pay the money I did not pay back right now breaking our agreement. Or they want me to enter into a new unfavorable agreement. Arvest Mortgage asked for personal information about my tenants which is confidential and legally they are not allowed to ask these types of question. I only want to continue payments on XX/XX/2021 as we agreed upon. My interest is almost all paid off and I do not want to have to start all over again paying interest. They want me to modified my loan in such a way that I will end up paying mostly interest instead of principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I am following up again with you about the bankruptcy that that reporting on my credit report with Experian. I've attempted many times to have this account investigate but somehow your Experian has refuse verified this bankruptcy as being accurate. 
I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party most likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. 

This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.

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 2021-05-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX is reporting an alleged account. I have disputed this account on numerous occasions. XXXX keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. XXXX is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all XXXX  different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. 
Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, My business checking account with US Bank was hacked and used to send unauthorized payments using XXXX. I only found out about this when I checked my checking account some time after these four transactions. I did open up a claim with US Bank but it was denied stating that the transactions were posted as requested, even though I never authorized these transactions. 

When filing the claim with US Bank, US Bank notified me that business checking accounts only have a one day window to submit a claim, while personal accounts have about one month. The reason for the denial of this claim was that I had filed the claim more than 1 day later from when the incidents occurred, as I am a business owner and do not check my checking account every day since I am busy with work. It appears as though someone accessed my username and password and sent these transactions without my knowledge. 

XX/XX/2020 {$300.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00}

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
PLease note this is continuation to my previous complaint about Citibank. 
Ref # XXXX. 
on XX/XX/21 at XXXX XXXX citibank made an " authorized '' entry to ALL my accounts and withdrew all my funds. These accounts included accounts of my children who are merely students.

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 2021-05-24 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:
i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to XXXX XXXX AND TRANSUNION only Transunion fixed the issues XXXX and XXXX refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.

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 2021-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC.
State: PA

Complaint narrative:
I have had my student loans dismissed because of my XXXX. I called Educational Credit Management Corperation ECMC XXXX and inquired about this loan because according to my credit report these loans were opened on XX/XX/XXXX in the amounts of {$1900.00} {$1300.00} {$4600.00} {$2500.00} and they are reporting this as paid collection charge off.I questioned it because I know for certain I didn't open a loan during that time. I called to inform them that this account might be fraudlent because I am a victim of the equifax data breach. I called and spoke to a represesntative who stated that I opened these accounts in XXXX and that the date opened that I see is actually the date my account defaulted on my loans. I informed the representative that they were illegally and knowlingly reporting misinformation to the credit bureaus. This company has been doing this for years knowing that if they reported the correct date they wouldn't be able to report that account as a charge off and that payment information wouldnt be impacting my credit negatively. This affects the age of my credit file as well. I have my primisory notes as well these loans were discharged by the federal government because of 34 CFR 685.213 - Total and permanent disability discharge I fall under veteran part of this. I became XXXX XX/XX/XXXX and they have been reporting this information since then. I am trying to buy my first home and have worked very hard to clean up my credit with no help from any agencies or lawyers. Since I've been doing this now my file is very limited. I can't even get a credit card because of so many charged off accounts and how recent they are. The customer representative said that these would stay on my report until XXXX even though I just informed her that the company was reporting misinformation to the credit bureau. I have contacted the credit bureaus about this to clear it up but this company is doing some illegal practices.

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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I got a letter from Wells Fargo today XX/XX/2021, dated XX/XX/2021 that they are closing my account on the XX/XX/2021. I have called the bank and visited my local branch, they would not tell met the reason for the closure. I have never had a late payment or been in bad standing. I have absolutely no idea why they closed my account.

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 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
We have requested since XX/XX/2020, approximately when BSI Financial Services took over the servicing of our mortgage, that our loan be a non-escrow loan. We have paid our homeowners insurance and property taxes for the year. They requested a written letter signed by me which has been provided many months ago. They are still escrowing money instead of applying overage to principal balance as requested. I have left messages, emailed, hand written letter scanned signed and faxed & emailed back. Each time I call they put me to some ones voicemail. Their phone is XXXX XXXX XXXX XXXX Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I disputed this account that reports on my 3 major credit reports multiple times. I ask for validation of this debt and was specific. In what services or etc. Dates, payment history anything but only recieve something recently that only has the amount reporting to credit reports. I contacted XX/XX/XXXX. XXXXat XXXX this time with the original creditor *XXXX* in which I have a active positive account with. 
I spoke with a nice rep named XXXX, she lookup the past account and see I did owe {$190.00} with them that I can settle with them but have to handle bill with their outsource company which she made clear is XXXX XXXX XXXX  she didn't have any knowledge or see anything of the amount of {$1100.00} from ( Caine & Weiner ) and that can't be verified. So my question is How XXXX, XXXX, and XXXX  has verified this info? and I spoke with the original creditor and have a active business with them in good standing. I hope this account can be validated and verified as it is my right to have. This 3rd party 's has the burden of truth not pull numbers and accounts from anywhere. If the original creditor couldn't verify this false info on my credit report how is this Collection Company can? If its not legit IT MUST BE DELETED from reporting on my credit report or I need to put a fraud case in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
I disputed with XXXX XXXXXXXX XXXX  ( XXXX ) about something they reported on my credit report on XX/XX/2020. XXXX never responded back to me and instead got Heartland ECSI to respond on XX/XX/2020, in which they said Heartland ECSI handles these types of things for them. I sent them a letter asking for something bearing my signature, which they did not provide me within the allotted time by the FCRA. I also pointed out to them that they have an account number containing all X 's ( ex ... " xxxxxxxxxxxxxxx '' ), there was no date of last payment, there was no date of first delinquency and that the account needed to b removed immediately. I am not sure who's account number they are reporting as " xxxxxxxxxxxxxxxx ''. That is not complete or accurate information and I am not sure who that account can belong to, but that is how its reported on my credit report. 

Heartland ECSI responded saying that the information was accurate and they also stated that they would report to the CRA that this account was being disputed and they will continue to report it that way until I request they don't. I also sent them another letter, showing them that they also broke the law by not reporting this to the Credit reporting Agency within 30 days like they told me they were. I sent them a credit report dated XX/XX/2020 in which it showed they did not report the account as disputed. I also sent multiple letters to XXXX as well and this is still reported on my report. 

Heartland ECSI and XXXX broke the law multiple times by not reporting accurate and complete information that I could use to verify this account, and they also did not report this to the CRA as being disputed for OVER 4 MONTHS. I have run my credit report almost every week for the last year and 4 months after, they still did not follow the law. They have still not provided me any documents and they have still not given me an account number, date of first delinquency, and everything else I asked for. This account should be deleted and removed IMMEDIATELY as they have broken the law and the FCRA multiple times, even after I have written them multiple letters. My original letter was sent to XXXX XXXXXXXX XXXX and they did not respond until well over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX or Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
XXXX XXXX was notified by phone app ( XXXX ) that a hard inquiry had been processed by XXXX Purchase was completed XX/XX/XXXX. Tried call the finance company ( Curaao Finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX ). No message could be left as to phone was disconnected. Tried for 2mo. To remove via Credit bureaus, filed Police report with XXXX XXXX Police Dept. ( # XXXX XXXX somehow they managed to change reported address while applying for credit. Now it is XXXX and am in contact which Curaao Fraud Dept. via mail because I still can not seem to speak to a representative??? For the record I have lived in XXXX California my entire life and at my current address since XXXX. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scheer, Green & Burke L.P.A.
State: MS

Complaint narrative:
This is the second complaint I have filed. First complaint number XXXX. The company refuses to send me any additional information regarding the debt. I have called more than 40 times and left voicemails requesting contact. The company has refused to contact me back or send any additional information regarding the debt. I have also submitted a formal complaint with my health care insurance company. This company simply is refusing to verify debt and has added the debit to my credit report without the ability to resolve or verify the debt. The lack of communication and willingness to respond to various complaints via XXXX, XXXX XXXX, and now Consumer Financial Bureau is appalling. Over the course of 3 months I have tried to get more information with no luck.

Company response to consumer: Closed with non-monetary relief