vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: MA

Complaint narrative:
This collection does not belong to me and I want it removed immediately

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 2022-06-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-22 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: Paradigm Assets, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I did not authorized this company to add my personal health issues to the credit bureau. They are violating my rights and the HIPA law. 
Please delete from my files as soon as possible Sincerely. 
XXXX 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 2022-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment from my credit report immediately.

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 2022-06-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment from my credit report immediately.

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Call me once and leave a message. That would be perfectly fine. Ive been called 8 times today and its harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX  problem This account was never reported on my credit report from the time it was opened in XXXX until XXXX. In XXXX, I had XXXX late payment that I arranged with XXXX and scheduled electronically to be apx 1 week late and was advised it would not reflect on my credit report because it never had been. A couple months later I received a credit report alert because it popped up. I disputed the 30 date late at that time and it was rejected. 3 years later, my credit report shows 2 30 day late payments in XXXX ( up until this year it only showed 1 ). I also disputed which they rejected, again. 
However, I was advised by my attorney today there is a XXXX issue because if it never reported for over 12 years of being current, it is unfair and deceptive to begin reporting after XXXX late payment.

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 2022-06-22 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 — Problem with personal statement of dispute
Company: Westcreek Financial
State: FL

Complaint narrative:
PLEASE SEE ATTACHED PRE-ARBITRATION NOTICE BILLING ERRORS BREACH OF CONTRACT POSSIBLE TAX FRAUD FALSE AMOUNTS OWED XXXX XXXX ACTING AS A DEBT COLLECTOR MISLEADING FORMS TO COLLECT A DEBT NOT OWED REFUSAL TO SEND REQUESTED DOCUMENTS ELECTRONIC FUNDS TRANSFER AFTER CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: DE

Complaint narrative:
I settled with the collection company after judgment was filed and wage garnishment had started. I was told the funds recouped through the wage garnishment would be reimbursed through check. 

I made the full settlement payment in XXXX. One check was garnished in XXXX ; I've been waiting on the refund and haven't received it. I've made attempts to reach someone at the agency, including leaving multiple voicemail messages, but have not been able to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is stating that the Private Mortgage Insurance for my home can not be removed due to the current length of the mortgage and that there hasn't been any significant improvements. The steps for removing PMI have been taken through the bank 's recommended broker. The broker came and inspected the home with a value of {$500000.00}. This evaluation has put the equity value over 20 % compared to what's owed. The bank has claimed the PMI can not be removed because the mortgage term hasn't reached XXXX years of payments. This requirement isn't disclosed clearly in their documentation and doesn't appear legal according to the 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 2022-06-22 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts : U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
A number from XXXX, TN. called and said I was being subpoenaed. I had to call an XXXX number with a case number to find out what it was about. They pulled up a file saying I owed {$4000.00} from a credit card I opened in XXXX. I supposedly stopped paying XXXX. I never had credit cards during that time. I called to verify my credit to be sure I really didnt owe anything. It was confirmed this is NOT on my credit report. This is a scam! The bank reported I owed to HSBC which is a bank over seas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: MA

Complaint narrative:
This collection does not belong to me and I want it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: MA

Complaint narrative:
This collection does not belong to me and I want it removed immediately

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I made use of the work Number from Equifax to verify employment. Upon getting a report it showed my last date of employment as XX/XX/2022 and no other information after that. As I am applying for loans, this represents a problem because I am still currently employed. I was told I needed to file a complaint and then they would contact the company and be able to fix the issue of why it hasn't updated. We discussed my change of role in the company and I asked if that would be an issue, and they said no. I received a letter stating that the investigation was complete and that the information was accurate. As I am still showing up for work and getting paychecks, I know that to not be true. I called the number on the letter I received and they said they were the department to help me. They said, however, they do not have to access to the dispute, and they can not contact those that do have access to the dispute. They said the only thing they can do is open a new dispute and provide me an e-mail to my company so I can contact them in order to get my company to fix the issue. They were emphatic that my company is giving them the information, and there is nothing they can do about it except open a new dispute and that they have zero contact information for the people that did the investigation for the previous dispute They have refused to tell me how they investigated the issue and will not discuss the dispute any further and will only open a new dispute. My conversation to try and resolve the issue ended with being put on hold when I asked for a supervisor and the call being dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I got A XXXX  XXXX loan that was a XXXX  lender I never received a postcard about the settlement not the Student loan forgiveness and no $ XXXX my loan servicer is now advantage I got an account that was forwarded from Nivient to Advantage that said I owe XXXX XXXX, no mention of the loan forgiveness or post card and check sent to me only that I owe Advantage my new servicer please request XXXX send out the postcards my loan is one of the loans that qualified to forgive the loan and to pay me {$250.00} Thank you! XX/XX/22 XXXX XXXX loan forgiveness XXXX  settlement. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON

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 2022-06-22 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT.

1

5 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON

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 2022-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. 
This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation