vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One has twice in the last few months denied me credit without sending me the required denial of credit letter/explanation. 

In the first instance, I applied for a card, and they wouldn't approve it because I had a prepaid phone instead of a contract phone ( even though they texted me to confirm the number ). So they said I needed to send them proof of identity, SSN, and current address. I sent them a copy of my passport, social security card, and a then current bill with my address. They ignored me. So I sent that all again after a few weeks. Again, total silence on their part. 

In the second instance, I applied for a card. Once again I verified my phone via text. This time they required proof of identity that had a barcode on it. I only have a passport, which does not have a barcode on it. So I took a picture of a barcode for them. A few days later, I received a letter stating that they once again needed proof of identity, SSN, and current address. So this time I sent them a copy of my passport, tax returns to verify SSN, and a mortgage statement to verify the address. Once again, they have ignored me. 

They've made me waste a lot of time with their excessive requirements. The least they could do would be to tell me why they're still denying me credit after I did everything they asked - twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
The debt they began calling my place of employment about is a time barred debt. 
They pulled the number off the internet for the company and willingly told the person on the other end they were calling about a XXXX XXXX card I owed money on. 

Luckily that person was my husband however he didnt identify himself as that, he also answered the phone with the company name. Which is listed as my employer. 

The card last payment was in 2011. 
I specifically called back and asked if my debts with them are time barred, Told them we had already told them And wrote them to NOT contact me and I knew my rights. 

They are pulling my credit for time barred debts. 

Debt that was used fraudulently by someone who is deceased by suicide. 
These are not my debts, I fought before to remove, I will not pay debts I didnt incur and them soft inquiring my credit is alarming people like mortgage companies etc. they can see that. 
I know it says that they can not see soft inquires but then how would they know that? 

A time barred debt that can not be collected by legal action has no business in the hands of a creditor using unethical practices. Telling employers employees business, pulling credit. 

This debt is 10 years old now as of last payment. Im done playing games with this company. 
Even after writing letter TO NEVER CONTACT ME AGAIN they pull my credit. 
Lie about being time barred when I ask, they simply would not tell me which I know the information already. Because I worked hard to remove it and then worked years on my credit. 

Your company should be ashamed of itself. I know you cant tell employers or anyone answering the phone information. You certainly did. The credit pull I dont know but time barred debt Credit pulls something should be done immediately. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I logged into check my Credit Karma Score and found out that somehow a Credit Karma savings account was opened in my name that I did not open. I contacted Credit Karma about the account and told them I didn't open the account. They kept asking if I wanted to close my account as if I opened it. I told them each time I wanted the account deleted as I never signed up for it. They asked me if I wanted to close my account again and again. It's not my account. I did not sign up for it. There has never been any activity on the account from what I can see. No bank accounts linked nor any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed this two rounds and the credit company did not respond back and they have not reported in the remarks with the bureaus that I have been disputing this for the last few months. I am enclosing all the information, that I have been requesting debt validation and printed copy of my report showing that this company is in violation for not reporting that a consumer has been disputing and requesting validation.

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 2021-01-13 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: MD

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TX

Complaint narrative:
Again I can not be 120 days late in XX/XX/XXXX according to my credit report, if it was paid off in XXXX XXXX. Fed Loan has been messing with my credit since I brought to their attention the erroneous nature of their reporting. I need this to stop and for them to stop reporting on these loans since they are paid off. As shown in the include screen shot they still reporting erroneously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have spoken with this company on four separate recorded calls. This is in regard to two separate credit accounts that were posted to my credit. These accounts were secured deposit accounts which required sums of money to be deposited to have the credit accounts. I have asked on all of the occasions for the creditor to provide those sums and how the balances are showing as they are. No documentation can be provided to show the deposits and or the current balances or how the accrued. The last recorded conversation it was stated that they were disputing these on their end yet these all show again on the credit report just as they were. I have advised multiple times that a deposit of XXXX and one of XXXX was taken. these accounts were placed on hold with the original creditor, somehow they ended up in another company 's collection, It had been stated by the collections that i did not have insurance and therefore they did not have to place them on hold. Where are my deposits?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, SHEFFIELD FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, XXXX XXXX, I add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX - XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-13 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-13 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: GA

Complaint narrative:
Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

Thank you! 
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 2021-01-13 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: GA

Complaint narrative:
Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: NV

Complaint narrative:
Experian has yet to remove this account from my credit report. It has been deemed as fraud and incorrectly reported as it has inaccuracies, by both XXXX  AND XXXX. I've contacted XXXX XXXX and XXXX XXXX over the phone and they have basically changed the accounts number and balance multiple times as if that would be legal on anyones account. And they've told me due to this fraud account being in their system for at least 2 years, they cant manually remove it and i must reach out to the credit bureaus for removal. Which i did, Both XXXX and XXXX  have removed it, only Experian has been non-compliant and very unprofessional in regards to honoring my credit rights under FCRA. Experian has taken it upon themselves to unlawfully report false information on my credit report and I'm going to file every possible complaint every where until they fix this error. 

XX/XX/2021 XXXX PACIFIC COAST TIME, ON A 41MIN PHONE CALL, I LAST SPOKE TO A LADY NAMED 'XXXX  ' AT THE OHIO LOCATION OF XXXX/XXXX  XXXX, SHE'S FROM THE INVESTIGATIONS DEPARTMENT. SHE TOLD ME WHAT I SAID ABOVE^

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 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX we requested to be set up on bi-weekly payments and auto draft our mortgage payment. After multiple calls between XXXX and XX/XX/XXXX for the mortgage company to have me fill out the right forms as they kept sending me the wrong forms, we finally received confirmation that our account was set up for bi-weekly payments ( attached ). In XXXX, when a bi-weekly payment was not drafted out of my account we called the bank again and they said that we needed to make a payment before the first of the month so it was paid in full and that it would start drafting in XXXX. We followed these instructions, it did not draft again in XXXX. In XXXX, we called and were told in order to have this draft bi-weekly payments we needed to pay 2 months of payments and if we did this, it would start drafting bi-weekly starting in XX/XX/XXXX. We made a 2 month payment on XX/XX/XXXX. XX/XX/XXXX and still no bi-weekly draft. After three calls to the mortgage company between XX/XX/XXXX-XX/XX/XXXX we have still not been able to get an answer as to why this is not completed, we have bee told it is a drafting issue with the bank, also been told we need to make another 2 month payment again. We have requested to speak with a supervisor on 2 occasions and have been told they are unable to transfer us and will leave a message. We have still yet to receive a call back from a supervisor to have our issue resolved. 

This has not only been a poor customer service experience but we are now approaching 9 months of paying additional interest on our mortgage that would have otherwise not been incurred had we been on bi-weekly drafts. As you can see from the letter they mailed us, we were clearly told that we would be signed up for the program and that payment would be automatically drafted, neither one of which has taken place. We can only assume that this over complex process and conscious decision not to draft the payments as promised is a strategy to collect additional interest from us. 

Our request is to resolve the auto/bi-weekly draft issue and receive a credit for overpayment on interest effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Merchants and Medical Credit Corporation, Inc.
State: FL

Complaint narrative:
was in the hospital and then had a XXXX XXXX and have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: T.S. Holdings
State: LA

Complaint narrative:
They called my nephew XXXX XXXX. They disclosed my personal information associated with my credit report and read him personal emails. The email was sent prior to the maintenance man doing a XXXX XXXX. He was told if he dont pay they were going to take further action. In addition, they did not disclose the management team was notified due to maintenance man touched me inappropriately while pregnant. I advised them, the apartment complex, of the issue and never resolved. Now they have turned over to third party to whom are disclosing my personal credit information to someone else!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I call equifax to explain XXXX XXXX XXXX fraudulent account. Amount {$140.00}. I ask them proof of this debt ... I file with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
An account manager named XXXX from Gatestone ( XXXX ), has called my workplace multiple times harassing me at work. This is inappropriate, unprofessional, and illegal and I would like it stopped. I spoke with XXXX today on XX/XX/13 and asked her to stop but I would like further confirmation that she will not be calling theXX/XX/XXXXthat I work at. These attempts are to collect XXXX. I am in the process of dealing with a lawyer but before we can begin I am requesting the collections to not call my workplace.

Company response to consumer: Closed with non-monetary relief