vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Applied for 0 % financing for a dental procedure. My credit score was in excellent territory based on their web site example. Also provided XXXX plus in proven liquid assets. Instantly approved but was not offered the 0 % program instead I was offered 15.99 % and higher. I contacted company to complain and they gas lighted me saying my score and assets must not be enough but that they can't see the information on their end. I told them I had not been turned down for 0 % financing in at least 15 years and it must be a mistake. They do nothing about it and tell me tough. Offering programs then changing the terms with no proper guidelines is illegal and predatory. I took my business to XXXX XXXX and was instantly qualified for 0 % 12 month program no questions asked. I notified the dental office and the XXXX  about this predatory behavior and I'm extremely disturbed at other reviews I've now read about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XXXX I received an email that a bank account was being opened with my information at Bank of America. They had my email address and my social security information. I immediately called and put a freeze to all of my credit cards and my social security number. I went to a BOA location and complained there. They showed me the account that was opened and I reported it as fraud. They said they closed the account and took care of the situation. Over the next few months I monitored my credit cards and social security information closely with no other issues. Then in XXXX I received another email that an account was being opened with my information again. I immediately called and filed a fraud complaint with BOA and expressed my frustration that this is the second time my social security number and information was being used to open an account. I have not had any uses or issues with my credit or social security number anywhere else other than at Bank of America. I have had to shut down my credit cards multiple times and not have access to my credit as well. I also just a few weeks ago received another email that the user ID being used to create these fraud accounts was disabled. I will be attaching photos of the emails. Please help me with this situation. Thanks.

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 2023-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a new credit hard inquiry against me for Capital One Bank today at around XXXX on XX/XX/2023. Ive been notified its a sign of fraud and would like it to be monitored and the hard inquiry removed off of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Kubota North America Corporation
State: TN

Complaint narrative:
I filed bankruptcy which was discharged the first of this year. Kubota Credit Corporation shut off online access to my account and failed to restore as promised. In addition they still show derogatory credit information on my credit report even though a reaffirmation agreement was signed and account is current. They should be paid ahead, however they will not provide an accurate statement of account as requested five times. They improperly did not credit a payment to my account made by check, and will not provide account information requested. My credit report shows delinquent on this account even as been paid on time, ahead for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover bank still has my XXXX credit card attached to my XXXX wallet they wont remove the card from my phone. The account has been closed and sold to a debt collector. Ive contacted the company and I got transferred to somewhere in XXXX and this happened of XXXX but around XX/XX/XXXX and discover when I called them up they have no acknowledged my account but the wallet is stuck in my XXXX XXXX and they they tell me that they cant remove it from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
BC Services ( XXXX XXXX XXXX, XXXX, CO XXXX ) Is out of compliance trying to garnish my paycheck when they never served me nor contacted me. I have had them remove this garnishment in XXXX  and they are back at it. Multiple offender.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
XXXX XXXX Dear XXXX, XXXX : Single Point of Contact at XXXX XXXX XXXX XXXX  # XXXX I am writing to address NO contact received by me from you on 3 separate occasions. 
XXXX. On XX/XX/XXXX from XXXX who requested via email, a call back from you to me. 
XXXX. On XX/XX/XXXX from XXXX in XXXX who requested a call back request via email from you to me XXXX. And lastly from XXXX in TX on XX/XX/XXXX who emailed a specific request via email for a call back from you to me at XXXX XXXX on XX/XX/XXXX. 
After speaking with XXXX, I was taken off the fore bearance, made payment towards my mortgage and a flex modification was put into action. We also discussed the NO CONTACT between Right Path and XXXX XXXX XXXX XXXX  FUND # XXXX. She stated no such communication was in your files and said she emailed XXXX at that time? She assured me you would call me back, going so far as saying XXXX XXXX is very good about calling back. 
I then spoke with XXXX and he informed me that the flex modification was not approved, he offered me a full -on application for a modification. As I was told this was my only option. I again requested a call back as XXXX XXXX you are the Single point of contact for my loan. I requested to speak with you as that is what I was told from XXXX. 
Lastly, I spoke with XXXX I was told my number was blocked because of the bankruptcy being filed. I received no communication that this was the procedure. I did receive an informational statement on XX/XX/XXXX on what I owe, no other information. She updated my account information, telephone, email and physical address and assured me I would receive a call back from XXXX XXXX! 

I am asking if this is a common practice at Right Path to make no attempt to speak with a person who is obviously struggling, and making them think they will lose their house, when an attempt was made to show good faith as well as trying to move forward with a plan to retain the property. 
I am appalled by the lack of communication and the perceived deceptive practice of this servicing company under Mr. Coopers umbrella. 
Please know that Im in contact with the Attorney Generals office and have filed a complaint with CFPB. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Someone opened a fraudulent account using my personal information : Comenity bank Victoria sectret. This is NOT my account and I would appreciate the immediate removal of this account from my credit. Please note the attached FEderal Trade Comission report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
I have three accounts with this collection company, and when I requested a debt verification, they verbally refused to send any debt verification. The lady whom I spoke to was very aggressive and rude. She refused to work with me in sending me a debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTION MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My phone service was cut off and I had to get a new number. Capital one and many other cards arent allowing you to change your phone via email confirmation. It appears they and all gov't agencies are refusing to allow VPN 's which violate users privacy. They locked me out of my account. When I called customer service, XXXX ( from XXXX country ) said they could not change it despite my verifying my social security number. After giving them the new number, they said they would check to see if they could send me a code. She then claimed she couldnt and that I would need to take a photo of my drivers license. This is completely illegal. So the website says you can verify another way, however this is a lie. It only routes you around in a circle and does not allow you to change your number. 

In addition, these companies arent allowing a mail statement. Lastly, I want to cancel this card because they have allowed businesses to illegally use my card for recurring transactions that I have attempted to cancel, EVEN AFTER I WAS FORCED INTO CHANGED MY CARD NUMBER!!! XXXX XXXX  would not allow me to cancel a recurring monthly phone charge because they claimed they could not verify my identity, despite my ANSWERING THE PHONE I HAD SERVICE WITH!! They said I had to give them 5 phone numbers that I had recently called which I did BUT BECAUSE THEY WERE XXXX NUMBERS THEY SAID THIS WAS UNACCEPTABLE? I AM SICK OF THESE COMPANIES WITH CALL CENTERS IN XXXX, XXXX, ETC. VIOLATING BASIC CONSUMER RIGHTS. They would not allow me to change my number or email address either despite the email company XXXX, located in XXXX and evidently above the law, cut off my service because again, I attempted to stop a recurring payment and downgrade to the free plan. They then held my account hostage and would not allow me to use it telling me I had to give them a credit card number. Lastly, my Lifeline phone was cut off by XXXX without notification because I was told by my Wifi provider that I could still use my free Lifeline phone and get a discount with them ( XXXX County, VA aka XXXX XXXX ) for internet. THIS WAS A LIE and at the end of the month, my phone cutoff without my notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: IL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: DISCOVER BANK
State: TX

Complaint narrative:
I filed a dispute multiple time with the credit bureaus. I have filed a FTC report as well, each XXXX of these efforts have come back that the accounts were verified, and my request have been ignored despite being a victim of identity theft. I the filed FTC report on XX/XX/XXXX of XXXX. 

XXXX XXXX XXXX Acct # XXXX {$0.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Filed FTC report XX/XX/XXXXXXXX Discover Bank Acct  # XXXX {$890.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$720.00} Filed FTC report XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
on XX/XX/2023, I received a notification from my credit monitoring agency that someone added a collection account to my credit file, so I logged in and discovered it was a company that I had no previous communication with or have never been contacted by previously offering dispute nor payment options if I indeed owed the debt. 

on XX/XX/2023, I sent the company a certified letter asking for validation as well as asking why I wasn't offered an opportunity to verify this debt before placing this debt onto my credit file. 

on XX/XX/2023, I received a letter and a statement from this company stating that this was validation, and on the back of this letter offering a place to add my payment information to pay this company that I still do not recognize. 

on XXXX XXXX, I sent the company a certified letter stating that this still isn't significant information linking me to this debt & also stating that I should have been properly advised of my rights to validate this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Loan # XXXX I applied for a loan modification on XX/XX/XXXX and sent all docs in. My servicer advised per their web portal that i was missing A document so I sent the document and they received it. As of today those documents are still pending for review 20 days latter. I received a complete acknowledgement letter date XX/XX/XXXX. I spoke with a escalation rep on a number of occasion and on XX/XX/XXXX he said I needed another check stub I sent it the same day and by the way they never sent me a letter requesting documents on XX/XX/XXXX that was just what he asked for. As of today my documents that were sent on XX/XX/XXXX have not been review. I asked for a manager and he said there was no one higher than him. Again I have the complete acknowledgement letter that stated my application was deemed complete on XX/XX/XXXX so they have until XX/XX/XXXX to be finished but they have not even looked at docs yet I will screenshot the portal page and attach the complete acknowledgement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is using unfair predatory practices. 
I have enrolled in their program to bring my card status current in the amount of {$150.00} with a balance of XXXX. I have paid my portions and stuck to their payment plan, ON TIME, Capital One continues to report late. I have asked Supervisor, XXXX # ID XXXX, at the end of the 3 month payment plan, my late charges be removed and updated with the credit bureaus and her response was no, and that Capital One will continue to report late until XXXX mo have been completed, and the Lates will not be removed from reports, even after the plan has been completed successfully, which has continually dropped my scores by XXXX points. 
I am upholding my end of the payment plan, working on my credit improvement and XXXX. is not. I explained to Supervisor that maybe Capital One should have a recording in full-understandable English. It was very hard to understand the agent 's thick heavy accent.

Company response to consumer: Closed with explanation