vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation

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 2022-04-12 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information 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 2022-04-12 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information 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 explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Chex Systems is refusing to unfreeze my report for employment background check which means they may refuse to hire me. I need a copy of my report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I'm not required to have an escrow account for my home loan, with PHH the loan servicer for Ocwen, but Ive just left it there but I recently noticed that the mortgage company is collecting more than the amount that they had to pay out for my property taxes and homeowners insurance so I had made and inquiry back on Match XXXX to remove the escrow account so I will pay for my own property taxes and insurance. They came back saying that because there's a payment due on the escrow account with 30 days which was my 2nd property tax installment on XX/XX/2022, they were not able to close the account. After emailing and calling multiple times to make sure their representative told me that once the property taxes are paid on XX/XX/XXXX as scheduled by them I will be able to request for the removal of the account and that they won't be able to close it before then. They also sent another email stating that they CAN NOT close the escrow account because the signature on the form sent in was not the same as the signature they had on file so another reason they CAN NOT close the escrow account. This while time of almost a month of calling and emailing and getting updates on when they will pay my property taxes so I can close the escrow account they kept giving me the run around and excuses getting no where. Today in the 12th I went online to check to see if my property taxes has been paid but and to my surprise it HAS NOT! They refused to close my escrow account on the reasons stated but they went ahead and canceled the property tax payment they were supposed to pay on XX/XX/XXXX from our escrow account! I called them back and again they gave me the run around and saying they will get back to me and nothing ever gets done. They DID NOT say anything about not paying the property taxes nor mentioned anything about the property tax payment being canceled because they would NOT close the escrow account for us citing the reasons above. Now the property tax payment is past due with penalties at {$4600.00} instead of {$4200.00} that was supposed to be if paid by XX/XX/XXXX. They seem to be polite and helpful when you call them or email but its all a scam because they did not do anything to help or resolve your situation they just masks it and XXXX you over if you don't follow up and keep an eye on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
Idk know what this is for i never had my lawn done with these ppl at all and sent emails and called advised this and still on my cbr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Global Lending Services LLC
State: CA

Complaint narrative:
I did not authorize any of these lenders to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
XX/XX/XXXX - placed order for 4 appliances with AXXXX XXXX XXXX logged in to check on delivery of order to discover that 3 of the 4 items were on backorder, called XXXX XXXX to determine their delivery date. XXXX XXXX  could not tell me when they would be available. I asked to cancel the entire order because I needed all 4 items. 
XXXX XXXX XXXX had still not cancelled the order. XXXX XXXX stated that 1 item had shipped and there would be a charge of XXXX. I provided documentation from XXXX showing them that the item had not shipped ( see pages 4-5 ). 
XX/XX/XXXX - I received a partial refund from XXXX XXXX 
XXXX XXXX field a dispute with XXXX XXXX for the remaining balance. ( pg 3 and page 7 ) XXXX XXXX XXXX  sent a letter saying dispute was under investigation. 
XXXX XXXX XXXX refunded a partial amount leaving a balance of XXXX which I was still in disagreement over. 
XXXX Commenity Bank sent a very vague letter. 
XXXX I called and spoke to Commenity and they stated my dispute had been closed due to the XX/XX/XXXX partial refund. I stated I disagreed with that outcome and am still disputing the XXXX that had been withheld. I was connected to a supervisor who reopened the dispute and asked me to send the XXXX documentation ( pages 4-5 ) as evidence that the item had not shipped and a full refund was due to me. 
XX/XX/XXXX - Received a letter from Comenity saying the dispute was under investigation XXXX Comenity sent another letter stating they could not fulfill my request. 
XXXX Called and spoke to Comenity and explained they reached the wrong conclusion and that because 1 ) XXXX XXXX had not been transparent up front about items being on backorder they caused the order to be cancelled and 2 ) that the item had never shipped in accordance with the XXXX XXXX. I stated I would not pay the bill and that I was totally dissatisfied with how Comenity handled these 2 disputes. I stated I would file a complaint with the CFFB. Comenity then asked if I would talk to another supervisor. I was then placed on a 10 minute hold and connected to a staff person at XXXX XXXX who refused to help me. Comenity Bank was deceitful and did not tell me they were connecting me to XXXX XXXX. Once I found out I explained to them that I thought I was speaking with Comenity and that they were supposed to be acting on my behalf. 

Comenity Bank has acted on behalf of XXXX XXXX in this entire matter and has not represented me in any way. Comenity wants to put money in the hands of XXXX XXXX at the expense of the consumer. XXXX XXXX never told me that my first dispute was not resolved, I only found this out when I phoned them to follow up on the issue. Comenity Bank is not in compliance with federal credit card laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
ON XX/XX/XXXX I WROTE TO MIDLAND FUNDING IN REGARDS TO A COLLECTION THAT THEY PLACED ON MY CREDIT FILE ON XX/XX/XXXX. THEY LISTED THE ACCOUNT WITH AN OPEN DATE OF XX/XX/XXXX. ( SEE ATTACHED LETTER TO MIDLAND ) IN RETURN THEY WROTE BACK TO ME ON XX/XX/XXXX WITH A ONE PARAGRAPH LETTER STATING THAT WHAT THEIR NOTES INDICATE, THE PREVIOUS CREDITOR 'S NOTES AND THEY THEY REPORTED TO THE CREDIT BUREAUS IS ACCURATE. 

I SENT THE A 2ND LETTER DATED XX/XX/XXXX ASKING THEM FOR THE INFORMATION THAT THEY HAVE IN THEIR RECORDS TO VALIDATE THIS DEBT AND ONCE AGAIN THEY ONLY PROVIDED ME WITH THE EXACT LETTER FROM XX/XX/XXXX BUT WITH A NEW DATE OF XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/2022 at XXXX, I sent a direct email to La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and informed them that I reported their fraudulent activity to the U.S. government for XXXX ( please see the attached email ). I closed and locked my Money Network Card card. On XX/XX/2022 at XXXX, I learned my Money Network card account was somehow unlocked and reopened to allowed a {$160000.00} refund from XXXX  XXXX XXXX XXXX ( please view the attached email ). On XX/XX/2022, I closed my Money NetworkXXXX Account XXXX XXXX the telephonic assistance of a Money Network Representative named XXXX. Money Network Representative XXXX informed me that the remaining balance on my Money Network account would be sent to my address in the form of one ( 1 ) check. I was already expecting a previous check from Money Network from my previous account closure on XX/XX/2022. On XX/XX/2022, Money Network allowed a withdrawal of {$31.00} from my closed Money Network account, which resulted in a {$31.00} negative balance ( please view the attached screenshot ). On XX/XX/2022 at XXXX, Money Network accepted another {$150.00} refund to my closed Money Network account ( please view the attached screenshot ). On XX/XX/2022, Money Network deducted {$31.00} from the {$150.00} dollar refund, as if I were paying towards the negative {$31.00} balance. To date, Money Network has not closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
THIS ACCOUNT XXXX XXXX XXXX XXXX HAS BEEN PAID RECEIVE MAIL XXXX XXXX XXXX/SYNCHRONY BANK SAYING OWE XXXX FOR FEES THAT WAS CREDIT BACK BY THE XXXX NOW AND NOW THEY ARE SAYING I OWE WHICH I DO NOT OWE THEM I PAID THIS ACCOUNT IN FULL I DO NOT OWE THEM ANYTHING.

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
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX Balance : {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 2022-04-12 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation