vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: NC

Complaint narrative:
I checked my credit report and notice two collections accounts from AWA collections. 
I tried to call AWA collections, but was not able to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Credit Plus Inc
State: TX

Complaint narrative:
I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX  XXXX XXXX XXXXXX/XX/XXXX Credit plusXX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXXCredit plusXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
As of XX/XX/XXXX. Received Court Summons, stating we are being sued by Chapman Financial Services. They have filed lawsuit against us for 3 accounts under the same Creditor for medical services provided. 1st account occurred XX/XX/XXXX in the amount of {$580.00} plus {$130.00} interest. 2nd account occurred XX/XX/XXXX in the amount of {$1400.00} plus {$330.00} interest. 3rd account occurred XX/XX/XXXX in the amount of {$250.00} plus {$60.00}. 

We have never received any notice of such collection debt from the company. Nor has the company attempted to contact us in any form, from the time of such debt occurred till this date of XX/XX/XXXX. ( 924 days ) Which goes against the Fair Debt Collection Practices Act, in which they must provide us with the option to verify and dispute such debt. 

We were never given the opportunity to dispute the debt, in which we would have fully disputed the amount as we have already settled this account with the creditor. 

Such debt was also never reported to any of the credit bureaus, therefore in a case we considered non contactable. We would have been able to identify such debt and taken action to dispute before any legal actions would be taken.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have an paypal account, that's linked to emails I've never had

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER 45days later Still NO REPONSE! The FCRA states that disputes must be resolved within 30 days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/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 2021-05-04 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company PORTFOLIO account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: DAS ACQUISITION COMPANY, LLC
State: TX

Complaint narrative:
Please see the attached. 

I also have the XXXX XXXX CD for XX/XX/2019. I can not get it to upload. It keeps telling me I have exceeded the limit for downloads?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
We have been attempting to payoff our forbearance 2nd mortgage for 3 weeks now We can not get anyone to respond to the written requests from the closing agent At this point they are costing us potentially the lock we have on the refinance we are doing This is unacceptable- it should not take 3-4 weeks for any company to provide a payoff letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However Transunion is reporting me late of XX/XX/XXXX on that account and I need this to be removed.

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 2021-05-04 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: CADENCE BANCORPORATION
State: GA

Complaint narrative:
I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: LEXISNEXIS
State: GA

Complaint narrative:
I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character!

Which I remind is you will not be difficult to prove in a court of law.

1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ).

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681!

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation!

So please resolve this ASAP or I will seek litigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However XXXX is reporting me late of XX/XX/XXXX on that account and I need this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
this is not mind never been to hosiptal ever since i was kid like 12 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/21 at XXXX MST I attempted to make a mobile transfer from my checking account, using the Wells Fargo app " XXXX '', to my girlfriend so that she could pay some of her bills before they were due. The app failed to complete this transaction in a very disturbing manner ( see screenshot below ). The message read, in part, " Please don't resend the payment until you receive our email. We'll let you know if it could not be sent ''. First off, I NEVER received an email and second, when I called later that night to find out what happened to the transfer I was told by a Wells Fargo rep : " There was no evidence of a pending or declined transaction ''. This app is severely under-supported and the lack of QA in beta is abhorrent. Furthermore, as a result of this failed transaction and Wells Fargo 's faulty app " XXXX '' my girlfriend was met with late fees for not being able to pay the bills for which I was sending money. I will never send money ever again using this ridiculous app and someone at Wells Fargo needs to be made aware that their proprietary app " XXXX '' does NOT work.

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 2021-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was working a shift for XXXX when I receive a ride that dispatched me to a XXXX XXXX XXXX, Fl address on Sunday XX/XX/XXXX at approximately XXXXET. I arrived at the address and got a text message on the XXXX app to await instructions from the passenger. 

I got a call through the XXXX app from XXXX, a person who called himself XXXX. He informed me that I was being rewarded a {$500.00} bonus for excellent customer appreciation based on my last 15 rides. XXXX said he would wire the reward into my XXXX XXXX. He then asked to see a confirmation email from my email connected to my XXXX account. Had me repeat my email and phone number. 

When I didnt receive the email he asked me to change my password. Still no emails. Then he proceed to ask me for security codes that came in through my phone that he said he was generating. Once the XXXX account emails did not come in, he said he could connect to my back through a third party client. He asked for and I gave him username to my online banking which he said he was using to verify my TD Bank account. What he did was access my online banking through a lost password and asked me for the security codes coming into my phone to gain access. 

XXXX then opened the XXXX function on my account ( which I have never used ). Then he asked me to repeat back several security codes and then several {$500.00} confirmations which came up under the name XXXX XXXX. He used the XXXX function to attempt to withdraw three transactions of {$1000.00} each ( which the bank denied ) but then allowed three transactions of {$500.00} each. 

XXXX said he would call me back to fix the issue with the " reward ''. My XXXX account got locked and he said there was a server issue and that he would me call me later in the day with an update. A few hours later I felt suspicious and called TD Bank 's 800 number ( at around XXXX ET ) about what had happened and reported the fraud attempt. XXXX did call me later that night around XXXX ET. I asked him to please put the money back and he hung up the phone. 

I have filed a report to the FTC. FTC Report Number is XXXX and is attached to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
Im a victim of identity theft! Ive sent multiple FtC reports to XXXX & XXXX & Equifax!! XXXX has blocked all fraudulent information from my file. XXXX & Equifax says its gon na take 60 days!! Per Fcra All Fraudulent accounts should be blocked within 4 days. Ive never done business with any of this companies. Some used my name and ID to get medical care & Apartments. 
XXXX XXXX XXXX XXXX XXXX! Is Fraudulent they cant provide my signature!! Because Ive never done business with them!! 
XXXX XXXX XXXX XXXX XXXX!! Ive never done business!! XXXX has blocked from my report! 
XXXX never received medical care XXXX  never received care XXXX  contracting never done business. 

Im A Victim Of Identity Theft!!!!! 
Please Send And UpDated Credit Report Via US Mail!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: IL

Complaint narrative:
VANCE AND HUFFMAN LLC, DID NOT SEND ANY NOTIFICATION TO ME ABOUT ANY DEBT. I HAVE CREDIT MONITORING SERVICES AND THATS HOW I FOUND OUT THAT THEY PLACED A COLLECTION ON ALL 3 CREDIT REPORTS, XXXX, XXXX, AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: TX

Complaint narrative:
I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX Cap one na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto dealer XXXX XXXX  XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealer s XXXX XXXX finance 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