vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters has violated my consumer rights according to the Fair Credit Reporting Act. They have failed to respond to my request for verification. I have given them more than reasonable time to investigate my dispute. 

I wrote four letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but still reported this debt that I have no responsibility for on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
CITIZENS BANK is retaining {$30000.00} from a check I issue to Mr XXXX XXXX, my carpenter contractor. My bank ( XXXX XXXX  ) negotiated my check and send the money to CITIZENS BANK to pay Mr XXXX XXXX, in XXXX XXXX. I attached photos of check and fotos of my business with EIN. To proof A legal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX  XXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXX 's refusal to release me from the fraudulent debt.

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 2021-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a Capital One account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from capital one. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and Capital One directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from Capital One XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by Capital One 's refusal to release me from the fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
The Money Source has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The Money Source has even confirmed this information. However, The Money Source has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XX/XX/2020 payment is showing 30 days late on both my XXXX  and XXXX  report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All The Money Source needs to do is contact XXXX and XXXX and update the XX/XX/2020 payment as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: GA

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Law Offices MBA is continuing to report a collection account to my consumer credit file. If Law Offices MBA has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Law Offices MBA is attempting to collect. MBA has no legal right to attempt to collect a debt. MBA has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Date : XX/XX/XXXX at XXXX XXXX. The amount stolen is XXXX dollars. I have just filed a report with Chase Bank on the same day around XXXX ( They are currently still trying to fix the issue ). 

My checking account on chase had an unauthorized transaction that takes away XXXX dollars using XXXX. I got a text message saying that I transferred XXXX dollars to someone, which I have not done. The payment was still pending while I was checking the account online, which I called Chase Bank to try to stop the transaction. They said they filed a report and have me wait for the result, which will take around 8 to 10 business days. 
Below are the screenshots of the email that was sent to me, telling me I added the person to the bank account and that after I filed a reported chase removed my online banking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: OR

Complaint narrative:
There is a collection agency Knight Adjustment Bureau based in Utah. They have placed a {$10000.00} collections account onto my credit report for an account and a company I have no idea of and no dealings with. This is not an account I have ever authorized or been a part of. I feel this is a fraudulent account and company. Furthermore, after calling the company and leaving a detailed message to see what the account is actually for and to dispute it with them, their representative called me hours later on my cell, from his cell. The male representative of Knight Adjustment Bureau ( Utah ) proceeded to tell me that it was extremely illegal to call me to solicit a debt due to my residence being in Oregon. He proceeded to talk to me about my account very reluctant with info and acting like he was doing something wrong. He openly admitted my debt amount while talking to me and that what he was doing was illegal and that he could not legally call me in Oregon to solicit for a debt. I then immediately hung up and called the XXXX credit bureau line. Having no knowledge whatsoever of this charge and account, and after such a strange phone conversation with the Knight representative, I felt compelled to make a complaint and beg your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MA

Complaint narrative:
I applied for a mortgage on XX/XX/2021 with Cardinal Financial ( also known as XXXX  XXXX  ) based on rate information published on XXXX and XXXX. Both websites listed XXXX as among the lowest rates and lowest fees available for the product I was considering ( 15 year convential mortgage refinance ). I called them and spoke to a mortgage person and explicity told them that I was calling because of what I saw on XXXX and XXXX. The person collected all of my information and pulled my credit. My qualifications ( income, credit history, work history, current equity level in my home ) were all outstanding and the mortgage person remarked every step of the way how favorable to my application each of these things were. He said he had to run the numbers for me and would call back later in the afternoon. To be clear, I applied for a mortgage expecting something along the lines of 2.125 % APR with total costs of {$1.00} ( what I saw on XXXX ). The mortgage person came back with 2.5 % APR with total costs of around {$2000.00}. When I expressed my dismay about the disconnect between what he was offering and the rates that I had seen online, his response was that he didn't have any control over what is published on sites like XXXX. While he may not be personally providing rates to XXXX and XXXX, I doubt that they are pulling them out of the air with no input from Cardinal Financial. Looking at both XXXX and XXXX today ( a day later ), the rates have changed slightly, but XXXX is once again at or near the top of the list. It certainly feels like a bait and switch set up, where Cardinal Financial is providing rate and fee combinations to these websites where no one will qualify ( even if their credentials are impeccable ). Lots of people rely on XXXX and XXXX for pricing information and Cardinal Financial knows this and has figured out a way to appear to offer the best pricing without actually following through on it. That is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NJ

Complaint narrative:
An account in my name was referred to a 3rd party collection agency. I presented the company with a police report, and a FTC complaint, and now I'm filing a report with the CFPB because it has yet to be handled. 
I advised the address they have on file is not an address I'm familiar with. I provided a copy of my License as well, and I still got no response. 
.

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 2021-03-09 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 XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed 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 non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I made contact with Southern Management Systems, out of XXXX, Florida so that I could finally start making payment arrangements with the company to start paying off this debt. This debt was put onto my credit 6 months, after being forced to break my lease with my prior apartment complex due to Job Loss and being unemployed for quite some time. I spoke to XXXX at extension XXXX and explained my situation, and updated him on the changes and advised that we were now in a position to start making payments in small increments every other week or every week, working around other bills. He then asked me if I was able to make the half of the balance payment in order to negotiate for a smaller balance. I told him that right now, that was not possible and that we needed to take things slow. He understood. He then advised me that I could go ahead and just start mailing in payments as I saw fit every week. I told him that I would not mail in money orders, because money orders tend to get stolen and it takes weeks to get it back. I then told him that I needed to make my payments online, and he said that was fine. Since XX/XX/XXXX, I have made 8 other calls to try and make payments on their sms-collects.com website, which goes through a 3rd party, with no success. It keeps telling me to verify my account number and pin number and try again. Since XX/XX/XXXX, I have been in constant contact with XXXX at XXXX XXXX and he's told me that they don't know why I am getting that error and said they checked with their clerical department who also could not tell me why I was getting that error. The last call I made to XXXX was on XX/XX/XXXX, and I left a voicemail stating my frustration and that I really needed some help on this. I told them I want to pay them. I have not received a call back since and today is XX/XX/XXXX. So, Since I have made a total of 9 calls and can't get an answer back on this, I would like to file a complaint, because it seems like they do not want to help someone who is willing to pay on their debt and if they can not even return phone calls or fix their website, then I am not willing to possibly sacrifice XXXX XXXX dollars in money orders, in the mail for it to possibly get stolen. This company has been in business since XXXX!!! It is unbelievable to me that they can not accept payments over the phone or give their debtors a reliable website to make their payments on, when everything is done for the most part, electronically now. So either they fix their website, or take a payment from me over the phone, Or, I am not paying this debt AND they need to remove it completely across all 3 of my credit reports, IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX A & O Recoveries has sent a letter in the mail and this letter does not include any verification that this account belongs to me. I have no knowledge of this account and have contacted the company. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, A & O Recoveries has violated my rights as a consumer and I am requesting legal action to seize all collection activities and future communication.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
There are two outstanding fraud charges still unresolved with XXXX card, the amounts of {$370.00} from XXXX, {$350.00} from XXXX. A prior CFPB complaint was filed in re, unresolved, the account shows both charges re-billed, nothing received from either merchant.. Prior, I left several messages for a XXXX at XXXX, ext XXXX. A total of three messages were left, none returned, no one picks up when extension entered, messages are not returned. I was able to get one of the charges refunded, as per an email received from merchant, XXXX. Ive checked the account and do not see credit posted, it might have been refunded as a charge back in which case their disputes team might want to check into it..Most recently, I've been emailing a XXXX in fraud XXXX her email today shows a trade in device which was sent in to XXXX, their reps claim it did not pass inspection, it was in fact reinspected and passed in which case no charge back for it.. XXXX appears confused, claiming the XXXX charge is for the trade in device when it is not ... The trade in device was sent in several days after charge appeared, charged back since the ordered device, a XXXX did not arrive, reps later agreed to refund charge ... I wish to point out as I have in prior CFPB complaint, it is not my job to work out such charges directly with merchants, it is the fraud/disputes dept to do this ... They do not accept or return calls either which does not help in resolution to these charges.. My last email to XXXX stated she can reapply charge, however it will not be paid and again, XXXX agreed to refund prior ... As for the XXXX charge, that will also not be paid, I emailed in re as well, have not heard back as of yet..

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
The company Statewide Credit Services illegally reported to credit report agencies that I owe them money. The collection agency, Statewide, has refused to produce any documentation that substantiates their claims against me. Upon contact with Statewide, they responded with litigation unless the account is payed When prompted why they are targeting an uninvolved party they responded that spousal attachment justifies their actions. However, I am unable to find reference to such a legal theory anywhere.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation