vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RADIUS GLOBAL SOLUTIONS, LLC for committing identity theft. I have never given RADIUS GLOBAL SOLUTIONS, LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from RADIUS GLOBAL SOLUTIONS, LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RADIUS GLOBAL SOLUTIONS, LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RADIUS GLOBAL SOLUTIONS, LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RADIUS GLOBAL SOLUTIONS, LLC continues its collection efforts, I will file for litigation for actual damages caused and RADIUS GLOBAL SOLUTIONS, LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's Bank U.S. closed my 10-year old account with no notice.

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 2022-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I filled a dispute case with Blackhawk network on XX/XX/2021 and in an email they told me the dispute would take no longer than 90 days. Its been well over that and Ive had to be without my money. They also stated in an email that an check was issued to my address already but when I called to follow up they told me the check wasnt even created yet. They just keep lying to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12 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 name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.

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 2022-03-12 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:
My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian lowered my score XXXX points from XXXX to XXXX stating a dormant account as new activity reported by XXXX XXXX XXXX account, the annual fee was cause of it and the balance is now {$0.00} not any debt, Experian is incorrect about balance or activity

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 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
I sent a copy of a statement with remittance transfer and correct verbiage and tender of payment and it was destroyed and disregarded and thats a violation of both Public law 106-229 and 15 USC 1693o-3 . I have recorded call of them opening a dispute and crediting the account allegedly but no changes have been made and now I have a late payment and my utilization is impacted affecting my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I never received a notice of debt. This account has been on my credit file for too long and is affecting me from getting loans and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Metrolina Credit Co. of Burlington, INC.
State: NC

Complaint narrative:
I purchased a cehicke i n XXXX ; XXXX XXXX XXXX  about {$1300.00}. After three years I still ocw almost {$5000.00} and I went to my bank to refinance the vehicle to lower the payment and discovered that I was charged 100 % financing rate when the documents say 20 % interest. This loan compant is violating NC usury laws and overcharging on loans. They also stopped reporting payments to the credit bureau likely to hide the fact that I have been paying {$450.00} for over three years, almost four now. My credit union said that I should report the problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Accounts # XXXX & XXXX, has violated my rights. 

15 U.S.C. Section 602 A. States I have a right to privacy.

15 U.S.C. Sections 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I set up a debt payment agreement with my Chase XXXX XXXX credit card ending in XXXX and my agreement was to close this card ONLY. Chase closed ALL my other credit cards and this has damaging effects to my personal credit profile. Please resolve and fix this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a CITI XXXX Credit card and I have converted to CITIXXXX plus on XX/XX/2022. When I do the conversion I have been informed the charged annual fee for my CITI XXXX  card will be refunded prorated. But until now I still have not seen the annual fee refunded.

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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
They sent a collection letter pertaining information from I do not know where and trying to use to coerce a payment which is against federal law. This is identity theft If I have no business with this company then should not be contacting through any medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, an unauthorized payment was charged to my cash app account in the amount of {$59.00} dollars from XXXX XXXX. On XX/XX/XXXX, Ive attempted to reach out to the merchant but I was unable to get ahold of anyone. I Then reached out to cash apps customer service on XX/XX/XXXX as well and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX XXXX & XXXX XXXX, ACCOUNT XXXX has violated my rights. 

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 an account without my written instructions

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 2022-03-13 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: Consolidated Information Services Solutions, LLC
State: TX

Complaint narrative:
I noticed today that yesterday on XXXX XX/XX/2022 a hard inquiry appeared in my credit report that I did not authorize. It was labeled at " XXXX. XXXX XXXX  '' and had no other business information except the name UNIVERSAL CREDIT SER. I have not authorized a hard credit pull on my account and do not know this company. It is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: IN

Complaint narrative:
I've received numerous calls from CMRE Financial Services at XXXX. The company provides no way to be removed from their call list because they only leave voice mails and the phone never rings. The most recent call I received was on XX/XX/2022 at XXXX. The voicemail advised that it was CMRE Financial Services calling on behalf of XXXX XXXX XXXX  XXXX. They also advised that they were attempting to collect a debt for XXXX XXXX under account # XXXX and to call XXXX or go to XXXX. I've never heard of XXXX XXXX. I have no debt to be collected, so this call is not for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mother passed away XX/XX/XXXX and I have been making mortgage payments on the property every since then. 

I have submitted all documents proving that I am the sole beneficiary of the estate and property at XXXX XXXX XXXX XXXX, Ga XXXX. 

However, my name is not listed anywhere on the account. 

I have contacted the mortgage company regarding my assumption of the mortgage. 

The response was, XXXX XXXX you ARE listed on this account, so you do not NEED TO ASSUME THE MORTGAGE. 

However I now know this statement to be FALSE! 


I am required to assume the mortgage in my current financial situation. 

This assumption would allow me to get the financial benefits from the VA in my name as the owner. Which I can not do until this home is officially listed as mine. 

I provided the documentation last time I contacted Consumer Finance in XXXX. However only one of of the two issues got resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
harris & Harris original criditor XXXX XXXX XXXX hospital this company has damamge my credit XXXXXXXX XXXX hospital was suppose to be getting this debt settled because it was a work comp issue.i told them nurmorous times to contact the job or work man comp

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of Rocket Mortgage. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that Rocket Mortgage is unaware of the " Cares Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX XXXX & XXXX XXXX, ACCOUNT XXXX has violated my rights. 

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 an account without my written instructions

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 2022-03-13 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: TX

Complaint narrative:
Hi Team, I came across a furniture page on XXXX. They said they have a physical store in a location that I will share. They said I can pay via financing so they shared me link of Koalafi ( Formerly West Creek Financial ). I applied and was approved for $ XXXX. They placed the order and said it'll take few days. Upon repeated calls, messages etc he told he can't deliver the order and will take additional month! I said in that case I would like to cancel my order as I was relocating and wanted furniture for my whole house. He said okay but then I called Koalafi to cancel the loan but they said they'll only cancel once that store owner calls and cancels. I called him again but I ended up being block on all the platforms. I have already made few payments to KOALAFI and they are not cooperating with me. They said they can't do anything despite the fact that they are the ones doing direct business with them. 
As a customer, I never knew what loan service he is providing me and I assumed that if Koalafi is working with a store manager it should be legitimate because I worked with Koalafi in the past and had the best experience. There must be any way to resolve such disputes rather than asking customers to call Store directly esp. when they are not responding in any way ( Call, Email, XXXX nothing ). Also it is mentioned that Koalafi release payment to merchants once the items are marked delivered which in any way wasn't marked by me. Just like a credit card dispute I was assuming Koalafi would assist me but their customer service hung up on me and said I need to pay all the payments until that store calls and cancels the order. I am calling them for the past 1.5 months and there is absolutely no one helping me and extremely rude including their supervisor. We all know this is not how a dispute works. 

Can you please help me sort this out? I have almost $ XXXX loan due for something I never even received. I am very stressed out and have no idea how to resolve this. Your help will be really appreciated. 
Furniture Store : XXXX XXXX XXXXXXXX Contact No : ( XXXX ) XXXX Koalafi Loan No : LOAN # XXXX Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
My spouse received a phone call on XX/XX/2021, from XXXX XXXX XXXX  regarding an application that was submitted under my personal information that they had suspected was fraud due to my spouse and I already have an existing account with them. 
I did verify it was from identity theft. 
I then checked my XXXX XXXX app to check my inquiries to find I had roughly 5 inquiries showing on my report within a 2-week period. Along with letters received in the mail from 2 different banks not noted on my credit report. I have disputed all of the inquiries with each creditor. I have had some inquiries removed. 

XXXX XXXX ( travel & entertainment ) inquiry posted XX/XX/2021 on XXXX-I 've called them at least 2 times. First Representative I spoke to in end of XXXX or early XXXX stated fraud will be noted, and inquiry removed on XXXX. Second Representative stated that fraud was noted and was sent for review. I'm still waiting if they will remove inquiry. 

XXXX XXXX  ( card service ) inquiry posted XX/XX/2021 on XXXX I've spoken to a Representative to notify identity theft. Rep mentioned the account will be closed and the account would be investigated. They haven't removed inquiry from XXXX. 

XXXX XXXX XXXX  inquiry posted XX/XX/2021 on XXXX I've spoken to Representatives on several occasions. Most Reps stated they closed the account and noted it as fraud but couldn't help remove inquiry from my credit report. Stated that I must contact Credit Bureau to have inquiry removed. Whomever stole my identity reported employment with XXXX. I've never worked for such company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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