vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This loan was not opened by me it was no opened by me I went into the XXXX bank branch  ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This loan was not opened by me it was no opened by me I went into the XXXX XXXX branch ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian

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 2022-01-09 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:
I noticed an account and multiple inquiries on my report 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 explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Thank you for your recent response to my concerns as outlined in your prior CFPB complaint response case # XXXX. I would like to dissect and highlight a few areas of concern in your response as follows. 

Midland : An investigation of this matter indicates that we became the servicer of the above-referenced account on behalf of purchaser, Midland Funding , LLC ( Midland Funding ) on XX/XX/2017 Concern : Attached response from XXXX XXXX indicates that you are not just the servicer as youve deceptively identified in your response, they in fact sold this alleged debt to you on XX/XX/2017. The term sold means that the original creditor is no longer associated with alleged debt. Authorization was never provided by myself the consumer to grant authorization to release my information in this transaction where Midland purchased the alleged debt. 

Your company Midland Funding LLC is in clear violation of the law!!!!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The experience would equate to the alleged debt which was never owed to you as there was no contractual agreement with Midland. 

Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in further escalation to include but not limited to legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful I look forward to receiving your response and hopefully no further escalation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Respectfully disputed debt collection that is not mine feel that this debt that midland funding is now after 5years has opened a class G collection against me severely damaging my Credit is unjustly being waged against me as a consumer this account is fraud I ask that the account be resolved expeditiously as to not impact my Credit Records I have allways paid debt off when the accounts were legally my responsibility and this account with Midland Funding Does not belong too me and I feel I am unjustly been given unfair debt added on my Credit Reports . Ive made good faith efforts too resolve the matter without any response from this agency the company has repeatly lashed out at me in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NJ

Complaint narrative:
I noticed an account and multiple inquiries on my report 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 explanation
Consumer complaint received 2022-01-09 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: NJ

Complaint narrative:
I noticed an account and multiple inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was a Capital One Venture Card holder. On XX/XX/XXXX, I redeemed my Capital One reward points to order six XXXX gift cards, worth total of {$1000.00} USD ( five {$200.00} gift cards and one {$25.00} gift card ). I closed my Capital One account on XX/XX/XXXX, and double checked with the Capital One customer service representative that the gift cards I ordered were still being processed, and it would take 3-4 weeks. On XX/XX/XXXX, I receive one {$200.00} gift card, but still did not have the other five gift cards. On XX/XX/XXXX, I called Capital One customer service to inquire about the missing gift cards, and the customer service rep informed me that I would receive them no later than XX/XX/XXXX. On XX/XX/XXXX, I called Capital One again, and the customer service representative told me that because I canceled my credit card while the gift card orders were still " under process, '' the gift card orders were all canceled ( except the first gift card they mailed out ) due to account was " not in good standing ''. They could not explain why the reward orders were not processed in the two weeks between my order and me closing the account. Even the customer service representative admitted that it was unfair and bad customer service, but she unfortunately had no power to assist me. There were no alternatives offered. Over the phone, I even asked for the verdict in writing and was denied. Capital One informed me that I would not receive {$820.00} in gift cards, from the rewards that I earned over multiple years, believing that Capital One would honor their program. Capital One did not warn me that my reward orders would be canceled when I closed my account, and at no point in my multiple communication with Capital One did any customer service agent inform me that my orders had been canceled until my third phone call with them on XX/XX/XXXX. Through the Capital One customer service representative, I filed an appeal over the phone on XX/XX/XXXX, and I was told I would receive a response prior to XX/XX/XXXX over email. As of XX/XX/XXXX, nobody from Capital One has attempted to contact me. When I made the gift card orders on XX/XX/XXXX, I believed that I could use those gift cards to purchase necessities and gifts for my friends and family, but at the end, I was out {$820.00} worth of reward points that took years to build up, the effort to make multiple phone calls and staying on hold for long periods, and hours of frustration during the holiday period. Capital One justified all this on the fact that I canceled my account more than two weeks AFTER I redeemed my points, and again they did bother communicating their unfair policy with me at any point. My account was in good standing during the entire duration that I was a credit card holder with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The loan closed on XXXX XXXX I was told the funds would be wired. Part of the loan agreement was for a previous loan to be paid off. It was paid off but not until XXXX XXXX. so for 20 days I paid interest on two accounts I called several times and was told that the Payoff would be backdated to the origination date of the loan. That did not happen. I was also charged a wire fee of {$20.00} from bank to bank ..and these are two banks that are sister banks. Theyre both coming under the umbrella of Truist ..bbt and sun trust The loan payoff was not wired it was sent by check therefore it went into the mail

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine and Weiner came in to the picture after providing them proof we ( a texas business ) did not owe the debt. We have proof and provided them with the signed contract of a past customer. This ex-customer signed the " no refund '' policy came on to our property damaged it. Ruined a prime weekend rental then contacted their XXXX XXXX Our XXXX XXXX refused the charge back ( rightfully so ). Then came the scammers and XXXX 

They attempted to collect a fraudulent debt. Then they harrassed us daily with calls, letter threating to ruin our credit. This is a federal violation of law. We submitted a certified letter warning them against this. They continue to this date with their XXXX inspired XXXX, collection attempts. XXXX then placed a collection account AFTER our letters and proof were provided. This is FEDERAL harasement and they continue to do this to others. Check with the XXXX  and XXXX office in TX and FL. They are investigating these scammers. Please review the attached docs. We need criminal prosecution. This company is operating as a criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A checking account was fraudulently opened with TD Bank without my authorization using my personal information. I called the bank and reported the fraud. They said they would investigate it and issue a letter to me about the account and close it. They have done neither, as i still get statements in the mail. I have written to them to advise of the fraud and asked them to close the account. I received a new bank statement as of the day i write this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Basically got a check for death benefits and deposit it and it bounced and they closed my account cause of they said a fraud check. I would never do it on purpose. It was truist bank of XXXX XXXX. I believe it was a good check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime has a system error with chip on debit card and they know it. Cant access my money. Can't withdraw my money. Have no money for gas or pay my rent or purchase anything. Tried to purchase something from XXXX and got denied a few times have two deposits and only can pay online but not in store embarrassing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Refinancing with Wells Fargo Home Mortgage. They are lying and deceiving the females, handicap, and disabled. 

The reason why I didn't pay anything upfront YET was because I was a bit suspicious that the interest rate they were applying was at 4.165 %... When I checked with XXXX, the refi fixed rate is standing at : 30 Year Fixed Refi 3.45 % 3.16 % 15 Year Fixed Refi 2.66 % 2.49 % They are aware of the Credit Fraud ( 27+ years and still protected ) that which is documented with the XXXX XXXX XXXX XXXX Locally and Federally ) and the OPM has me set up for another 10-12 years due to ID Theft & Fraudulent use of my information. So they calculated my score as XXXX... This is a 20 year Conventional Refi for only {$48000.00} I've been with XXXX/Wells Fargo XXXX Wells Fargo bought XXXX in XXXX and the entire account was merged over in XXXX ) since I bought this property in XXXX. Never defaulted, never was late, had to pay additional {$12000.00} UPFRONT because of Wells Fargo 's Errors? 

PROBLEM? 

My ex-husband ( Not only did I speak with him, I saw the loan as well, all documentations ). HE has a poor credit score of XXXX but he was approved several months ago for a 2.1 % - 15 Year Conventional? AND HE HAS FILED BANKRUPTCIES THREE TIMES OVER! ( Last one,6 years ago, 2nd time - 9 years ago, and first time in XXXX ) And he got a loan for {$220000.00}. He had his closing within 2 weeks. 

AND NO APPRAISAL OR HOME INSPECTION WAS EVEN REQUIRED FOR A REFINANCING OF HIS PROPERTY. 

BUT THEY ARE ALSO REQUIRING HOME INSPECTION AND APPRAISAL ON MINE? 

I DEMAND ANSWERS...

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 2022-01-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
The card in question is an XXXX XXXX XXXX XXXX that I use for my one man company for business related expenses. 

The XXXX statement showed 2 charges in XXXX that I reported in XX/XX/2021 to Barclays. They cancelled the card and issued a new card. 

When I received the card I could not activate it. When I called Barclays I was forwarded to the security department. They could not resolve the issue. 

What I later found out was that Barclays was in the midst of combining my personal XXXX account with my business card account under XXXX login name and password for security. During this period it seems that no one at Barclays could access my file. I could not access my statements and, as you will see in the attached documents, I resorted to writing a letter in XX/XX/2021 to highlight the disputed charges and that I wish to close the account. 

The wrote back saying this was not possible. 

I was able to access the system in XXXX and found the dispute section ( that is buried in their website ) and filed a dispute ( see copies of dispute acknowledgment ). 

Barclays last letters indicate they contend too much time passed for them to do anything and basically saying it was my problem when, if fact, they knew of the issue in XX/XX/2021. 

First, why did they not contact me when the charges were made? It appears that the charges took place in XXXX XXXX. Isn't that suspicious on its own when my pattern of spending was known in their system? 

Second, I did not make or authorize any charges to the company in question. 

Third, I could not find anything about this company in XXXX. 

Fourth, Barclays had to have a link to the card reader and bank account for the company in question to process these charges. Why can't they simply reverse the charges and credit my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a notification that an account was opened in a bank in Connecticut on XXXX XXXX. I live in New York. It showed up on my XXXX XXXX report on my credit card app I have for XXXX XXXX. I have the address and I checked them out online. Its XXXX  so I cant call because they are closed, but I have not opened any new accounts and it shows my account is current with them. I will be calling them first thing in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
They attempted to collect on a medical debt that is over 4 years old and I requested validation paperwork on the debt, but never received it. Its been over 30 days and I still have not gotten validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
XXXX sent me a notice saying wellsfargo inquriy/ account opened with my ssn i then check it in i never got approved for a wells account and then all of a sudden somebody used my ssn to open one thats not right i call wells they told me they could not tell me anything about it if i dont have a account number / card number i said you should because you let them open it with my ssn that makes it my bessniss i need to see what i can do about it please help me

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 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I checked my credit report and discovered I had an ambulance collection for {$620.00} that does not belong to me. I sent the company listed a debt validation letter which they received XX/XX/XXXX of 2021 through XXXX. In the debt validation letter I outlined and asked for proof that this debt belonged to me. In return later in XXXX, 2021 I received a letter from the company simply just stating that the debt belonged to me but without providing any proof that it belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
True Accord sent me and email stating that they now own a alleged debt of {$400.00} that I allegedly owe to a company called XXXX. I owe no such debt and would like them to cease and desist contacting me.

Company response to consumer: Closed with explanation