vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Redfin Corporation
State: FL

Complaint narrative:
I object to Reconnections On each marketing relate to unauthorized publication of personal and private information : listing details page on Redfin, Listing my home and pictures on their website. Listing address XXXX. I am the owner of my home and object that My Home is not for sale and this company advertising posting pictures of my home on their website. Making us a unwilling participation in their scam. Sensitive information have not Services offered Misled by this company Sensitive information displaying pictures of our cars in the driveway and posting the value of my home on their website. As a result strange people person contacting me. XXXX XXXX, co-founder of Redfin, has only just now made a reemergence in the media. Before starting Redfin, XXXX graduated from the University XXXX XXXX  with a XXXX  in XXXX. XXXX caught the entrepreneurial bug when he came up with the idea for Redfin with XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, FL XXXX | Redfin Residential real estate company. Redfin is a real estate brokerage. The Seattle-based company was founded in XXXX, and went public in XXXX XXXX. XXXX XXXX is the CEO. XXXX. Headquarters : XXXX. Customer Service : XXXX Founder ( s ) : XXXX XXXX, XXXX XXXX, XXXX XXXX Founded : XXXX Employees : XXXX Stock Price : XXXX ( XXXX ) {$19.00} XXXX ( XXXX % ) Mon, XX/XX/XXXX, XXXX EDT www.redfin.com/FLXXXXXXXX is advertising my home picture on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: IA

Complaint narrative:
On Monday XX/XX/2020 I received a call from XXXX XXXX XXXX XXXX. I answered the phone and asked who was calling they refused to answer me and then they asked if a XXXX XXXX was available, I asked them again to inform me of who was calling and they continued to refuse to answer my question about who was calling and what this was in regards to. This is a blatant violation of the FDCPA : 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; The person who called me did not know who I was until I told him and he refused to identify himself and who he works for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tebo Financial Services, Inc.
State: AL

Complaint narrative:
Over the past 12 months ; I've sent over 12 dispute letters and Tebo financial and XXXX  have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and TEBO continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial has been using deceptive practices to collect a debt. They disguise their phone number with a local area code, no caller ID and they do not identify themselves as to who they are. They will repeatedly call from different numbers but will keep the same local area code to mine. Everyday I have to block a new number. I have addressed this issue directly with Ally Financial and keep doing it.

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 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I had asked this company to refinance debt as I had a lower income and they advised me I must be behind on payment in order to refinance. After becoming delinquent I called and tried to refinance as I was advised. Then they stated that they didn't know who told me that but it was inaccurate. So with being said I was too far behind to catch up and was told there was nothing they can do for me. I have attempted to reach out to them in regards to settling the account for less or start re paying and I have yet to get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account with CitiBank 's Citigold Private Wealth group on XX/XX/2020. I used two checks to open the two accounts ( savings and checking ). 

Checking Acct # XXXX The first XXXX was drawn on a CitiBank account, for {$99000.00} drafted by XXXX XXXX XXXX XXXX, and dated XX/XX/2020, the check number was XXXX, and the routing number was XXXX. The account number was XXXX. It was addressed to myself c/o my estate and trust attorney XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. 

Savings Acct # XXXX The Savings Account check was from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX ) and is a regular oil and gas royalty check drawn on Citibank. The Check Number I did not write down. However, the routing number is XXXX. The Account XXXX is XXXX. 

On Friday, XX/XX/2020, I was provided a paper confirmation by Citibank that the funds are available in the account. However, due to an erroneous claim in an " Early Warning Systems LLC '' report, which is a private organization run by seven banks, they are giving little to no information regarding the account. They are saying it is " under review, '' and I have no access to my funds. 

I have received email prompts to read urgent alerts, but I have no access to online banking. Presently, Citibank is holding precisely {$95000.00} XXXX as a credit card payment of {$3000.00} was allowed ). However, my debit card is inactive. I can't make a withdrawal, and my funds are being held up in limbo at this present moment with no light at the end of the tunnel.

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 2020-05-04 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:
I KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.

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 2020-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report fraudulent and inaccurate information on my credit report. There investigation system is flawed. They are in violation of the FCRA by continuously reporting this negative fraudulent information on my credit report.

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 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I KEEP HAVING ACCOUNTS APPEAR ON MY CREDIT REPORT THAT I THINK ARE FROM MY IDENTITY THEFT CASE FILED SEVERAL YEARS AGO.

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
The Collection Agency reporting false information on my credit file is not only unacceptable ( as i never engaged in a contract w/ my signature w/ them ) but is unlawful and violates at least 2 of many of the FDCPA rules and regulations. Validation of debt section 809 and unfair deceptive practices section 15 USC 1692f. FCRA section 609 / 610 Disclosures to consumers 15 U.S.C. 1681g ( a ) states in laments terms to provide this said information ( contract ) with my signature engaged with said company. Nothing has been provided. Prior collection agency was removed due to its unlawful reporting and now this new one is doing same. I owe this Collection Agency whom I never heard of NOTHING! ZIP! ZILCH! and somehow they remain on my credit report! This is now causing great emotional distress to myself and family a it is limiting my credit score and especially at a time of need and for absolute no good reason! If the CFPB is unable to right this wrong I will go to the FTC and sue for emotional distress up to 12 times! If you are unable to validate this assumed fairy tale debt and provide a contract WITH MY SIGNATURE by LAW then have it removed ASAP! Enough is ENOUGH!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am not sure on the date. They continue to keep calling my mothers home and saying that I will go to jail or even get money taking out of my work check if I do not pay the bill. XXXX XXXX XXXX, XXXX has called my work and inform my boss that they need to talk to me on a urgent matter. I am needing this to stop and want to know what else I can do for them to stop these type of calls. I went through a XXXX XXXX and this is a bill my ex-husband has did.

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 2020-05-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello, I set up my account for auto debit and it has been successful in the past but for some reason my auto debit on XX/XX/2020 of {$62.00} was returned to me.They returned the payment on XX/XX/2020 and then charged me a late fee of {$28.00} onXX/XX/XXXX as well. I tried calling but they are CoViD-19 as an excuse to not provide any live customer service. There is no way to resolve my issue via the automated call system. There is also no way to resolve this issue via the contact us section of the online account site. The end of CoViD-19 is unknown so when will be able to fix account after Chase 's error?

My credit score is now going to take a hit because and now can't make payments. How does Chase expect customers to pay their bills?

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I recently had a notice for this company to contact me by mail for any correspondences because I hadn't received anything from them but the credit bureaus kept saying verified. How was this account ever verified when the address that they told me on XXXX was not my address nor has it ever been my address. I have not received any documents from LVNV. In my conversation with XXXX and supervisor ( I can not recall her name ) on XXXX the most recent conversation the representative dictated the WRONG address and said oh, that may be why you haven't received anything. I have disputed this account and the verification of this account with all the bureaus as well as with Resurgent ( LVNV ). I have NEVER received anything from them in regards to this account. 

When I asked the representative today what I could pay to settle this account because it was not my fault that I hadn't received anything she told me {$920.00} which I felt was unfair due to the fact that I was never notified of this account nor that they were going to place it on my credit file earlier. I feel this is unfair. 

In looking at my spam today after my knowledge of LVNV I found over 30 emails from XXXX XXXX in reference to LVNV dating from XXXX XXXX XXXX. How was I supposed to know about this account or any liabilities that I had from emails in a spam folder? 

How are these tactics above board? Why do I have to advocate so hard for myself when I am in the dark about this entire account that according to the representatives was sold to you in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: ND

Complaint narrative:
I have not recieved a Way2Go crad and am trying to order a new one and report that I have never recieved the first one. It is XX/XX/2020. When I call the customer service number it just asks for a card number, puts me on hold for 10 minutes and then hangs up the phone. There is NO way to contact a representative to figure out how to get my child support money off of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I was contacted by a representative of William and fudge, XXXX, in XX/XX/2018 about a so-called school debt. He demanded immediate payment. I requested to have proof of the debt and he was unable to do so till this date. He only could articulate {$5100.00} and stated that's an amount that the school sent to him. My school loan balance is XXXX. It's an extra 26.58 % of the amount of the school loan balance if it is indeed that school. This is a criminally usurious misdemeanor according to Florida Usary law. Also, they are in violation of the FDCPA : The debt was disputed and was never proven- William and Fudge is using unfair practices ( collecting extra amounts ) and harassing phone calls.. 
I was not allowed to satisfy the supposed school loan balance after I am given proof or breakdown of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-04 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: FL

Complaint narrative:
Equifax continues to report fraudulent negative information on my credit report. They are in violation of the FCRA. I have submitted numerous disputes to no avail. Their investigation system is flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
WE OPENED 2 CREDIT CARDS WITH BANK OF AMERICA IN ORDER TO RECEIVE BONUS MONEY. NEVER GOT IT ON THE 1 ACCT THAT WE MET THE CRITERIA ON. ALSO OPENED A BUSINESS CHECKING ACCT THAT WAS SUPPOSED TO PAY {$500.00} BONUS FOR MEETING CERTAIN CRITERIA THAT WAS ALSO MET. 
HAVE BEEN CONTACTING THEM CONTINUOUSLY FOR MONTHS, NO RESOLVE. BEEN IN TOUCH WITH XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, ALL IN THE SMALL BUSINESS DEPT.

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 monetary relief