vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXXXXXX XXXX XXXX ) placed on my consumer report by XXXX Equifax, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Conn's, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I made 2 payments to my Conn 's store pluse accounts. The first payment was for {$130.00} and the second payment was for {$210.00}. Conn 's debted both payments from my checking account on XX/XX/XXXX. On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Conn 's called me repeatedly stating my payment of {$210.00} was not received. I called Conn 's on XX/XX/XXXX to inquire why they didn't credit my account and they stated that both payments were posted to the same account in error and the payment of {$210.00} would have to be move to the correct account. As of XX/XX/XXXX they still haven't moved the money to the correct account and are still reporting my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NC

Complaint narrative:
I have been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is XXXX me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your 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 explanation
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Accounts on my credit report that I do not recognize

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 2021-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion shows a bankruptcy on my report from XXXX XXXX that I have disputed and Transunion has claimed was verified. This bankruptcy does not belong to me. Per Transunions website any public records collected before XX/XX/2018 are obtained from XXXX. XXXX does not have a public record showing under my credit file for bankruptcy and has submitted this information to Transunion. Transunion will not remove this incorrect data from my credit file and will not provide verification of bankruptcy that includes my signature.

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 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
I was contacted by UNITED COLLECTION BUREAU , INC through mail to contract with them on an alleged debt I owed to XXXX 's department store. I have no idea who UNITED COLLECTION BUREAU XXXX INC is because I never gave them written permission to contact me about an alleged debt I owed to XXXX XXXX. They have used my personal information and shared it with another third party I have never heard of, to also collect on this alleged debt. Now that party is contacting me and I feel violated as my personal information is being passed around without my permission. They are violating my privacy and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
My credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. 

It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ). 
Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. 

Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint about XXXX XXXX XXXX XXXX, the parent company of NetCredit and the XXXX XXXX and XXXX XXXX. 

I hope there is an immediate resolution. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the XXXX. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. Net Credit HAS NO WASHINGTON STATE LICENSES. This is a major concern and violation. I would hope my payments would reflect THE LEGAL Stipulations from my State. As it seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
MyFedLoan is miscounting the number of payments I have made toward repayment. They record that I was in forbearance from XXXX to XXXX. This is not the case. I have requested they fix the problem and then have not been able to willing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I bank with USAA and have for years. When I check my XXXX  score under the VISA account they show a XXXX  score of XXXX. XXXX  for a very long time has reported my XXXX score as above 800, currently, XXXX. When I complained to USAA they told me that is what is reported by the credit agency, which would be XXXX. I wrote a XXXX  complaint and received a call from USAA that I have to take it up with XXXX. I called XXXX today XX/XX/2021 and I was told that they show XXXX score XXXX. I know that XXXX  uses XXXX XXXX and that is the only number or model that they use. USAA uses XXXX XXXX, which is not reported by XXXX. With a score of XXXX, I firmly believe that USAA under reports so that they can use a higher interest rate if I was to obtain a loan from USAA, which I am not. All three credit reporting agencies all show above 800 and I understand that they may be different and obtained differently, but if XXXX  only reports XXXX  XXXX and shows my score on their website as XXXX then USAA maybe under rating everyone that banks or obtains credit/loans with USAA. I believe it worth a Class Action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I have sent AWA collections numerous attempts by certified mail to validate the debt they claim I owe them in the amount of one $ {$63.00} and they added another collection on my credit report in the amount of {$120.00} but no response back. No one from this agency has contacted me back, either by mail, via email, or phone call in response to my letters. I asked for validation but again, no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have a PayPal bank account I used this PayPal bank account to receive unemployment payments to this account I was approved for unemployment benefits they backdated the payments I got a total of nearly XXXX dollars I received it in my PayPal account but when I went to go put gas in my account was on hold, I call PayPal after finding out my account was shut. The lady on the phone from PayPal was extremely rude and said that PayPal was going to hold the unemployment benefits for 180 days before releasing the funds back to me so I asked to talk to a supervisor she said I'm not gon na get one he's gon na say the same thing I got upset and hung up the phone. they closed my account permanently and said I was not able to get my money back for 180 days 6 months I'm on the verge of not being able to pay more bills I can barley support my self let alone my kid and I'm getting so much help from so many people with heroes food or diapers exctedra

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Two problems : 1. I paid my property taxes during close of refinance XX/XX/XXXX ( for the XX/XX/XXXX property taxes. ) I also paid them an additional 6 months worth of property taxes to be applied to the escrow account for the XX/XX/XXXXproperty taxes. 
***The title company never paid the property taxes for XX/XX/XXXX. We discovered this when we received our new Annual Escrow Account Disclosure Statement on approximately XX/XX/XXXX. I called AmeriSave 's XXXX  escrow division who after multiple calls and asking for supervisors finally discovered the Title company did not pay the XX/XX/XXXX property taxes. The title company refunded to me on XX/XX/XXXX the amount they were supposed to pay and I immediately made payment directly to XXXX  for that exact amount to replenish my escrow account. I also did the same for the tax penalty the title company refunded to me on XX/XX/XXXX. 

2. XXXX  also overpaid my property taxes. In XX/XX/XXXX they paid the XX/XX/XXXX property taxes. Then in XXXX they paid the full 2020 years ' property taxes, even though they had paid the prior month. Which they can see in their records that they've erroneously over paid the county for these property taxes. 

Since XX/XX/XXXX I've been hung up on, told that my escrow account is correct, and finally when they see their errors they say it may take up to 3 more months for them to correctly replenish my escrow account correctly. In the meantime they have advised me that IF I DO NOT pay their incorrect mortgage payment, which was set to be {$1200.00} more than my correct payment, that my underpaying my mortgage would result in them reporting to credit agencies that I underpaid my mortgage, which would result in a negative on my credit report. 

I've even contacted the head of Amerisave mortgage and had a contact there that said she assured me she would stay with me and that this would be resolved today, XX/XX/XXXX. As of today she has not returned my last email and phone message to her of XX/XX/XXXX. 

I have everything documented and have the exact paperwork and copies of the refund checks reapplied to the escrow account, etc.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NJ

Complaint narrative:
Accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: KY

Complaint narrative:
Someone using my personal information to open fraudulent credit cards that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/2021, HARRIS LTD has added a derogatory mark on my credit report ONCE AGAIN. ( XXXX  ) After further investigation and research, the debtor STILL could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, Harris LTD has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NC

Complaint narrative:
I have been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is killing me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your help/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a XXXX account. On XX/XX/XXXX I attempted to pay my balance in full, {$550.00}. My checking account was not listed as a means to make payment, so I added it and made a payment. XXXX 's computers say my checking account is already connected but it's not and my pay was 'refunded ' on XX/XX/XXXX. 

I was told to contact Synchrony Bank, the actual creditor. I made a telephone payment which posted to my personal checking on XXXX. 

Later I tried to add my account several times but failed each time and with each attempt my personal online banking account was locked. I called several times and had several online conversations. 

XXXX instructed me to contact Synchrony Bank but Synchrony Bank had told me to contact XXXX. I am getting the run-around from XXXX. I asked for a supervisor but was blind transferred to an automated line. Today is XX/XX/XXXX and my account is not reflecting correct figures. I don't know if I'm paying interest on a balance I have already paid. 

I have spent too much time trying to straighten out this account. I have n

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 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: TX

Complaint narrative:
this is my third time reaching out to you all regarding this company and they continually to violate my rights. i reached out and did a complaint with the CFPB hoping that you all will see the evidence and step in but no i have got nothing. please refer to complaint # XXXX-XXXX  and PLEASE look at what i provided and ill attach there response which was ANOTHER violation at this point i don't know what i need to do for you all to see how disrespectful they are as they continue to do it over.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.

Company response to consumer: Closed with non-monetary relief