vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: CA

Complaint narrative:
On XX/XX/XXXX, my Experian credit score dropped 28 points. When I looked into this issue with creditwise.com and freecreditreport.com I found that the only suggested reason for the drop in my credit score was due to my XXXX XXXX credit card. 

After speaking to a XXXX XXXX representative, I found this information : In XXXX of XXXX, my credit score dropped significantly ( by approximately 28 points ). Since then, I have not missed a payment on that account. Since XX/XX/XXXX, I have made well over the minimum payment every single month, on time. My new balance is now {$160.00} ( Down from over {$8000.00} originally ). I was told that credit monitoring companies, such as Experian, sometimes make credit adjustments due to extremely old user errors ( such as missed payments ), however, because I have already had my credit go down due to this same exact error, they should not have dropped my score a second time. The XXXX XXXX representative told me that if I filed a dispute with Experian, they would call XXXX XXXX, investigate my recent payment history, and that XXXX XXXX would confirm that I was proving great reliability. 

Since my disputes ( 2 so far ), Experian has not changed my score at all nor have they provided me reasoning as to why. Their phone system does not allow me to speak to a real human to gain answers. 

XXXX and XXXX RAISED my credit score last month by 7 points. I see NO REASON why Experian could have lowered my score. Every bill I have, every card payment, ever debt I owe has been paid on time. I deserve explanation and answers.

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 2021-09-23 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: NJ

Complaint narrative:
I am a victim of identity theft. unauthorized fraudulent inquires on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: LEXISNEXIS
State: NJ

Complaint narrative:
I'm a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been disputing this debt for almost a year. I have been a victim of identity theft. I have sent in FCA Affidavit, Affidavit with a notary, police report, and dispute letters. The debt was removed at one point, however it was applied back to my credit report. It prevents me from being qualified for a lot of necessities.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
After review my credit reports I found a collections on my reports that is not mine. The collections is from IC Systems Inc and on my report it states that the original debt was from XXXX XXXX. I have never had a XXXX XXXX account. My mail box has been broken into several times over the last 5 years and this account is fraudulent. I have contacted the collections agency several times to have this account deleted from my credit reports and they have yet to rectify the situation. This is not my debt and I would like this account deleted from all three of my credit reports ASAP.

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 2021-09-23 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:
I'm a victim of identity theft

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 2021-09-23 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: VA

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On approximately XX/XX/21 I opened a United chase credit card. 
The card was in good use and paid on time suddenly chase closed credit card without any notification or explanation. Later I was told it was my ex husband someone I lethally divorced 15 years ago had a bad relationship with chase. That is why they closed my account. Chase has black listed me with my credit report and denying me to open a bank account at there branch or obtain any credit cards. I am asking for an investigation to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: VA

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2021-09-23 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: VA

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Ive been dealing with the company to take the joint buyer of the loan so that we could purchase a home. I was told yes but to wait a few more weeks. Then I was told sorry we cant approve you anymore after 39 days the waited to tell me that now I cant take him off the loan when initially was a Yes.. 
Then I call to get a settlement so that I could try to pay it off, I was given excuses after excuses.. For two weeks I was told it was in process.. I FINALLY SPEAK TO THE DISTRIC MANAGER just told tell me she couldnt give me a settlement because I can afford my bills And Im not in a financial situation.. I explained the situation SHE CARED LESS.. basically told me to pay my bills so that I can get approval for the loan to take my husband off the loan.. I FELT DISCRIMINATED SHE WAS HATEFUL TO ME Ive had many loans with them and never felt mistreated like she did. I told her I will file a complaint she said TO DO SO she was going doing her job. She gave me {$100.00} off the loan.. wouldnt retroactive the pay off to the day I called to get my pay off or settlement that she refused to give me. Im very disappointed with this company and they had emotionally hurt me, they hurt our approval bc of their diligence on not telling us the truth since the beginning. 
Something needs to get done ASAP!! I paid off my loan but I still think I need a reimbursement for all This hustle I went through emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX account was canceled on XX/XX/21 in writing and with in 30 days Cain & wiener placed a Collectsion on my XXXX XXXX and XXXX credit report. Please request progressive to supply you with the amount owed in writing because I feel they have an inaccurate amount as per their early cancellation policy. XXXX or XXXX, My credit damaged and it could take seven years for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/2019, I went to Capital one Bank Branch to set up automatic payments for both of my credit cards. so I wouldn't have to worry about calling to make payments. The representative told me that I was already all set for automatic payments, I gave them the credit card and the checking account information and the due dates for both credit cards which is the same day for both credit cards, but She didn't do it correctly. I thought the credit cards payment were debited from my Checking account. But in XX/XX/2019 my son taught me how to get into the capital one bank app and he noticed that my payments were not debited from my checking account. As a result Capital one charged me late fee for several months and Capital one Bank put my account as delinquent for both credit cards. the months that my both credit cards were compromised were ( XXXX, XXXX, XXXX, XXXX and XXXX in 2019 ). I went to the branch to speak to manager and they told me there is nothing I can do. I expressed that is been a mistake by their associate. but they didn't want to help. Since I was denied several times and my lack of knowledge. I couldn't do anything and didn't know until now that it was affect really bad to my credit. Now I'm applying for a mortgage and the interest rates are high due to the delinquent accounts that capital one reported. I would like to request support with this matter because it is affecting to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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:
Experian, XXXX and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, Experian reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: IL

Complaint narrative:
FACT : Im submitting this complaint myself and there is no third party involved. 

CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting an eviction on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX XXXX ( see attached consumer report from another consumer reporting agency ). I have contacted the court house where this alleged eviction was filed and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted SAFERENT multiple times and all they keep saying is they'll start a dispute process. 

As a consumer I did not give CORELOGIC written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the XXXX XXXX XXXX. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.

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 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I encountered an unexpected financial hardship. I sought to find a company that appeals to veterans ; I am a XXXX veteran. I came across National Small Loans. I applied and was approved in little time. Moments after approval, I received a call from a rep advising that I was approved for {$600.00}. This was great news, so I thought. The rep sent over an email for an eSign but as I read through the details it seemed incredibly predatory. My 1st payment was to be due 10 days later in the amount of {$310.00}, with the same payment amount for a full schedule that would've ultimately cost me thousands for the XXXX. When I became reluctant, the fast talking rep insisted I sign the contract while still on the phone and I wasn't comfortable with that. I asked for time to think about it. Fortunately, I was able to borrow the money from a family member and I wouldn't be charged excessive interest. Within a few minutes, I began receiving calls and emails from NSL pressuring me to sign the document. I replied that I no longer needed their loan and that I would like to resend my application since it was never signed. They made that process incredibly difficult and still sent emails urging me to sign. I sent a final email reiterating that I no longer needed their loan and kindly requested they disregard my app. After that, I received an email which stated that they regret to inform me that bc of my credit profile, they could not approve me at this time. Not only was this confusing but it was also very vindictive. As a veteran-consumer and an abiding citizen over all, I expected them to leave me whole and not try to demolish my credit profile simply because I chose a better lending option. My only fault is not reading their reviews before applying. It was disheartening to sit and read dozens and dozens and dozens of negative reviews from people with a similar story. Predatory lending should be unlawful, and if you can help stop these people from kicking people while they're already down, you will do this world justice. Thank you kindly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TX

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC
State: CA

Complaint narrative:
They tricked me saying I was paying my dues for almost a year but actually I was paying only the interest so now they add me more than 50 % interest in my old loan {$7000.00} original loans {$4500.00} my paying {$10000.00} my actually loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: PNC Bank N.A.
State: TX

Complaint narrative:
I've already filed a complaint regarding this issue which was closed prematurely. The complaint number is # XXXX. BBVA fraudulently reopened my account, in my opinion, in an attempt to get old customers to come back to revive their dying business. They acknowledged that they reopened a closed account, however, they have made no attempt to close the account. My XXXX report shows that the account is still open. BBVA USA needs to be investigated for shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX at approximately XXXX, my father texted me that someone had called him, looking for me, he gave me the phone number so I can reach them. Right away, I called them and asked them what is going on that they have to contact my father. They proceeded to explain they were a debt collection agency named Conserve and hired by XXXX to collect a debt. I asked why didn't they contact me via mail, email, phone call, or even leave a voicemail. They explained that they sent one letter, I explained that I am traveling for work so I didn't receive it. We both understood each others side. The next explanation is that they did try to call me and I didn't answer. I said I don't answer to phone numbers that I don't know who they are, plus I'm working and I return voicemails if they leave one. They explained they don't leave voice mails if the voicemail isn't setup stating my name, so they don't give information to the wrong person. Fair enough to both sides. They didn't give me an explanation on why they didn't try to send me an email. I understand they have a job to do, like all of us in this life, but they didn't need to embarrass me to my father. Ever since I entered adulthood, I have never put his information on my legal documents. To avoid situations like this one. I asked them if its " right '' for them to look up my information to get into contact with me. They told me " yes '', if we can't reach you, we have the authority to do anything necessary to contact you. They proceeded to explain that they have a list of phone numbers to find me, I asked politely which numbers and to remove those numbers that are all family 's phone numbers. One phone number is actually my old phone number from my teenage years when I was on my family 's phone plan. From what I understood, the representative explained the " search '' of my information may have started when my old number popped up on their system as disconnected. That makes me question the steps they took in this whole process and to have my information from when I was a minor?! Am I the only one that sees the wrong in that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TX

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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