vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: WA

Complaint narrative:
In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington XXXX  XXXX XXXX. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX WA. Now this account is showing on my XXXX credit reports agencies XXXX, XXXX and Equifax, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX XXXX XXXX to please provide proof of me giving then my signature for this Loan. My request is for XXXX, XXXX and Equifax to delete this account one and for all from my credit report. XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: WA

Complaint narrative:
In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington XXXX  XXXX XXXX. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX WA. Now this account is showing on my XXXX credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX XXXX XXXX to please provide proof of me giving then my signature for this Loan. My request is for XXXX, Experian and XXXX to delete this account one and for all from my credit report. XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX  XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX I XXXX DOES NOT BELONG TO ME. IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: OK

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

XXXX5 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
Consumer complaint received 2022-05-02 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: The Outsource Group, Inc
State: CO

Complaint narrative:
Medicredit is saying that we owe {$110.00} dollars that was paid in full on XX/XX/XXXX, Reported to them on XX/XX/XXXX. The account number listed is for a different person. The original debt was for us. They are reporting it as open and still an outstanding balance. They have also agreed to remove the accounts and are now saying that it is not in their practice to remove any accounts. I have been told several stories as to what is going on in this account including it being paid and reported as paid in full to they sold it to another agency. Dispute was filed on XX/XX/XXXX and they have yet to respond to the dispute. On XX/XX/XXXX called to get receipts of items paid and to find out more about this talked to XXXX twice over at medicredit and was told 2 different things. They can see that I have paid it, but are unsure why it is still saying owed. Then the second time was that they sold the account and couldn't tell me to who. I am extremely concerned with their practices and feel this is unfair reporting since it was paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
I lost my identity twice and I had someone use my credit card accounts and open new accounts under my name. I believe it was someone who contacted me about an ad for a townhome I attempted to rent in 2016. They made me submit my bank statements and tax returns and then said the owner decided to go with another tenant. I started to have issues with my credit cards I eventually paid them off after they removed the fraudulent charges. I made several police reports to document what happened. I have attached all the reports I have access to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I got an email that Credence Resource Management reported a collections debt from XXXX for {$1600.00}. I do not have any services with XXXX. I had the same company do this before in XX/XX/XXXX where i proved their fraudulant charges. Now I am going through the same thing as of XX/XX/XXXX. I do not have an XXXX account of any sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I went into forbearance in XXXX of 2020 and was given 12 months of forbearance. I was told I was in loss mitt and that I needed to continue payments or I would be kicked out of loss mitt. So I caught up on all of my payments and I had given them 90 days and they said they mailed something to me. I never recieved anything. I have been calling back Monday the start of every week trying to get a call back or something. No such luck. Now I am late in XXXX and XXXX. My loan modification for covid 19 should have been in effect by then. I was advised by the foreclosure prevention service to file a complaint because this is a common happening in the dovenhule mortgage company. Also my credit is ruined. I have proof of payments made from end of forbearance to XXXX and XXXX XXXX XXXX. Through XXXX. and now I was told that I can't apply for any more help even though the program I was needing wasnt available at that time. So my credit is showing 180 days late which is untrue. I have made payments to them, I am only 1 or 2 months behind right now. This is insane they say I should be recieveing info in the mail. And I never do. No one calls me back, and if they are using the terrible credit score they forced upon me I won't be getting a very good loan modification. So in the loan mod the forbearance was going to be added to the end, I was to get an interest rate reduction and I was having the pmi removed because it's below 80 % ltv. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX. XXXX section XXXX A States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!

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 2022-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax did not do their due diligence with investigating these erroneous errors on my consumer report. I have sent several disputes regarding inaccurate and incomplete information reporting, demanding that these challenged items be permanently removed. Equifax is unlawfully publishing inaccurate information and I am being punished due to their negligence. I have attached current proof as of XX/XX/2022 showing XXXX reporting XXXX late payments on XXXX  XXXX XXXX account # XXXX and Equifax reporting XXXX late payments on XXXX  XXXX XXXX  XXXX  account # XXXX. How could this be considered accurate and fair? Equifax verified inaccurate information as accurate causing me to suffer tremendously! The vital role that Equifax assumed should strive to be more responsible with dealing with the consumer and public confidence. This has effected my life drastically as I am trying to purchase a home for my family and I and these road blocks have stopped me. Equifax 's failure to remove these erroneous items have caused me extreme stress and anxiety. My privacy has been invaded due to Equifax 's continued act of publishing inaccurate information on my consumer report and me being continuously denied due to inaccurate information reporting on consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX XXXX NOT BELONG TO ME. 

XXXX XXXX XXXX  XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX I XXXX DOES NOT BELONG TO ME. IDENTITY THEFT.

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 2022-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX XXXXXXXX DOES NOT BELONG TO ME. IDENTITY THEFT.

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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I just opened up my XXXX  Checking account and I just found out I have to wait two days for them to unlock my account and then I was transferred to the fraud department and their recording said they are closed. This is unbelievable. I just cashed my cashiers check at the bank for XXXX. I have made arrangements and have bills to pay. I dont understand why they wait till the end of the day to lock my account up leaving me with no access to my money and no answers. Is this how our banking relatiionship is going to be then I do not want my money at US Bank. I can not be going through this. How the bank just says oh wait a couple days for them to review it and unlock it or not. Are you serious. Either someone needs to call me back and provide me access to my account or I need to have this account closed and take my business to a bank who can be customer focused and more professional with me. So here I am left with all my money tied up the same day they made it avaiable to me. I am hoping this is a mistake and someone will call me back and fix this right away. My account number is XXXX. My social security is 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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a {$100.00} gift card not used in a sealed envelope from American Express, when I open the envelope and check the balance it only has {$76.00}. I complained to American Express and somebody made multiple transactions in XXXX California and they told me " We would like to inform you that the gift card is a non-disputable product as per the gift card terms and condition '' This is unacceptable, how can there be transactions when I just opened the envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
There was a fraud alert sent to my email which I responded to immediately. I shut off my card then marked it stolen. Some of the charges were stopped but not all. I filed, the same day, a fraud claim for all of the unknown transactions. Unfortunately, {$130.00} fraudulent charges from XXXX 's XXXX in AR still posted to my account. I live in AZ not AR and I do not do business with this merchant. My claim was declined stating I used my pin. I made a transaction the same day in AZ so there is no way I was in AR. I escalated the situation again with still no resolution.

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 2022-05-02 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-05-02 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
IN SUMMER  OF XXXX I NOTICED THAT MY CREDIT SCORE HAD DROPPED ABOUT XXXX POINTS. AFTER INVESTIGATING, I REALIZED THAT MY XXXX LOAN WENT INTO REPAYMENT, ALTHOUGH THIS WAS A GOVERNMENT LOAN. I CONTACTED UAS CONNECT AND THEY TOLD ME THEY COULD NOT RECOGNIZE THIS AS A GOVERNMENT LOAN. I ENDED UP PAYING OFF THE BALANCE OF THE LOAN ( APPROXIMATELY {$730.00} ) ON XX/XX/XXXX. I HAVE A BANK STATEMENT THAT REFLECTS THE WEB PAYMENT TO UAS XXXX. THINKING THAT I WOULD NO LONGER HAVE TO WORRY ABOUT THIS LOAN, I NOTICED THE ACCOUNT WAS STILL OPEN WHILE REVIEWING MY CREDIT REPORT. I CONTACTED UAS AND THEY TOLD ME XXXX WAS NOW IN CHARGE OF MY LOAN AS OF XX/XX/XXXX. I CONTACTED XXXX AND THEY HAD NO RECORD OF MY PAYMENT AND TOLD ME TO CONTACT UAS CONNECT. XXXX ALSO TOLD ME THAT THEY RECOGNIZE THE XXXX LOAN AS A FEDERAL LOAN AND IT SHOULD NOT HAVE ENTERED INTO REPAYMENT ( DUE TO COVID PUSHING THE LOAN REPAYMENT TO XX/XX/XXXX ). I HAVE NOW BEEN DEALING WITH UAS FOR 5 MONTHS TRYING TO SOLVE THIS ISSUE. I HAVE BEEN PROMISED PAID IN FULL LETTER, FALSE PROMISES. I HAVE SENT MULTIPLE EMAILS WITH THE BANK STATEMENT REFLECTING THE PAYMENT OF THE LOAN, AND EACH TIME I AM TOLD THIS WILL BE REVIEWED AND I WOULD HEAR BACK IN 7-10 BUSINESS DAYS. WEEKS GO BY, NOTHING. I RECENTLY ASKED TO SPEAK TO A SUPERVISOR AND WAS TOLD THAT A SUPERVISOR WOULD CALL ME BACK, NEVER CALLED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Two issues, 1. old debt that was written off over 20 years ago.

2. Is a medical loan charging 21 % interest and not paying down Principal with the monthly payments on a larger percentage of the split in how they record the monthly payment.

Company response to consumer: Closed with non-monetary relief