vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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:
I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
A company that claimed to be Upstart XXXX  contacted me on my cell informing that Ive been approved for a loan, but due to my credit history, the first installment would be due on the same phone call. Instead of withdrawing the funds from my checking account or debit card, I was told to purchase 2 gift cards in the amounts of {$250.00} and {$500.00}. Once the gift card numbers and PIN were provided, I was told the funds would be deposited into my checking account. After waiting for hours, no money was ever deposited. After calling the loan agent 15 times, he picked up on the 15th attempt and to make a long story short, asked more of me, in order to obtain a loan that I was never going to get. In the end, I was denied a refund from this company and denied a claim with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I still have not received the electronic copy of the pay-off statement from SN Servicing Company. 

I need SN Servicing Company to send me an electronic copy of the standard pay-off statement dated for XX/XX/21 Please take a look at the attached letters. This is an equitable property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got an alert on XX/XX/XXXX about a collection showing on my report that is completely inaccurate. I spoke with a representative on XX/XX/XXXX and was told this information has been on my credit report since XX/XX/XXXX. This is a lie because I pulled my report on XX/XX/XXXX and had no such file. I have attached the current inaccuracy dated XX/XX/XXXX and the report from XX/XX/XXXX. How can you report and verify that this collection has been on my credit report since XX/XX/XXXX but it not be on a report I pulled 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 explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/2020 US BANK WAS NOTIFIED BY CERTIFIED MAIL FOR A DEBT VALIDATION AND CEASE AND DESIST ALL COMMUNICATION. US BANK CONTINUED WITH HARASSMENT PHONE CALLS ON XX/XX/2020 AND XX/XX/2020. AS WELL AS A THREATENING LETTER USING OBSCENE AND PROFANE LANGUAGE DATED XXXX XXXX. IN ADDITION TO EXHIBITS ATTACHED EXHIBITS WILL SHOW A TOTAL NUMBER OF 14 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS BY US BANK UNDER 15 USC 1692. THE FACTS SUPPORTED BY NOTARIZED AFFIDAVIT OF TRUTH. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A US BANK is in violation of 15 USC 1692f. ( 8 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D that US BANK is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Exhibit C, Exhibit D, Exhibit E that US BANK is in violation of 15 USC 1692e ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that US BANK is in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F and Exhibit G that US BANK is in violation of 15 USC 1692d ( 5 ) and has proof that US BANK was made aware to cease and desist communication by certified mail on XX/XX/2020 Exhibit I. 

Fact, affiant is aware and has proof in the attachment Exhibit H that US BANK is in violation of 15 USC 1605 ( 5 )

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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
On XX/XX/2020, I purchased a pair of shoes from XXXX XXXX XXXX for {$200.00}. The purchase was made through Google Pay with the invoice in the description of the purchase. On XXXX XXXX, I realized there was no update made on my shoes being sent to me and I also noticed that XXXX XXXX XXXX didn't send a tracking number and blocked me from contacting them. As soon as I found out I was being scammed, I contacted Google Pay to dispute the payment to XXXX XXXX  XXXX  and I also contacted my bank ( XXXX  XXXX XXXX ). XXXX  XXXX XXXX said they were contacting Google Pay to resolve the dispute and that they couldn't do anything on their part because the purchase was made through Google Pay. Google Pay supposedly did an investigation and it got nowhere on my end. It was obvious that I was scammed and Google Pay did anything about it. XXXX  XXXX XXXX repeatedly told me that it could take up to 90 days to resolve this dispute and I waited patiently. I was willing to provide adequate evidence to both XXXX  XXXX XXXX and Google Pay but they wouldn't allow me. I waited patiently and after months, I still have no justice. I was scammed in the middle of a pandemic and Google Pay allowed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: OH

Complaint narrative:
The XXXX XXXX XXXX is reporting incorrect dates. The dates are report as 2019. The account is beyond 7 years old and the account was added to my credit report like its a new collection. The credit bureaus allow the old account to report like its new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is in reference to a Bank of America Credit Card ( XXXX ) that still is being reported by the Credit Bureau that it still has a balance owed of {$8400.00}. I filed a Chapter XXXX on XX/XX/XXXX, because of lost income and could not keep up with my payments to Bank of America. This debt was named in my filing and my Bankruptcy was XXXX on XX/XX/XXXX. I have made several attempts to dispute this inaccuracy, without resolution for almost five years. I applied for a mortgage in XXXX of XXXX and they informed me that I still owed Bank of America for this credit card. After their internal investigation and me giving them my Bankruptcy Account Order number ( XXXX XXXX  ), I was able to get approved for the mortgage. However, this particular situation continues to be a major problem whenever I want to apply for credit. Most recently I applied for a personal loan and the Loan Officer stated that I owed Bank of America and what was the reason the balance was still outstanding. I had to supply him with my Bankruptcy XXXX  paperwork that included the liquidation of this debt from the credit card. I need assistance in getting this problem resolved immediately, it continues to haunt me and is a great distraction and embarrassment as I move forward to rebuild my credit and life. 

Thanks, I can be reached via email at XXXX or by phone at ( 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 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Received a phone message from Scott & Associates P.C with obscene and profane language. Made a picture of it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: SC

Complaint narrative:
I tried to contact them to dispute this debt letting them know its not mines they sent me over the lease that was not my signature saying that I owe XXXX pulse interest of XXXX with a total balance of XXXX. However this debt is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: PA

Complaint narrative:
I have an account on my credit report that says i owe about $ XXXX in debt on an account that i never was aware of or that i never authorized. The report is now in collections. I just started to monitor my credit this past year in 2020 and its saying i been had this account i will ask that i have this account removed as soon as possible because it is having a huge negative impact on my transunion & XXXX  fico  scores and credit reports. This company can not possible say that it is me because i wasnt the individual who opened this account. Please help me with this process these creditors should not be reporting this incorrect information on my reports.

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 2021-01-11 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not 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 explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I never received a welcome bonus after I had opened a new HSBC account following the instructions stated on the flyer I received from the bank. Since I set up a qualifying direct deposits last XXXX, the bonus should have deposited by XX/XX/XXXX. I contacted HSBC last XXXX to check the status of the welcome bonus and provided all the information the HSBC agent requested at the time such as my personalized code.

When I contacted HSBC via a chat on Mon, XX/XX/XXXX XXXX -XXXX  GMT, an agent named XXXX has the following comments : " XXXX : As there is a concern already raised for you, I see there is a update from our team that they are unable to locate your application. '' I have an active HSBC checking account, which was opened with a personalized code for the promised welcome bonus. Thus HSBC 's inability to locate my application seems to be delaying tactic. If HSBC can't locate my application, it is HSBC 's fault and the bank should pay the bonus immediately but the bank keeps asking me to check back with them a few days later. I contacted them 3-4 times so far based on their recommendations. HSBC keeps stating that they need a further investigation, although they told me today that they are " not able to locate my application ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
THEY KEEP CALLING ME AND WANTING ME TO RE FINANCE AND I DONT WANT TO. THEY DIDNT PAY MY INSURANCE AND WROTE ME A LETTER SAYING THAT I SAID I WANTED TO PAY IT ON MY OWN AND I DIDNT NOW I HAVE NO INSURANCE I DIDNT ASK THEM TO BUY MY LOAN PLEASE 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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I disputed an account 63 days ago and have still not heard anything back from TransUnion.

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 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: NC

Complaint narrative:
I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting the debt Amerassist Ar Solution, XXXX {$1200.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
To whom it may concern XXXX XXXX XXXX. also known as XXXX XXXX XXXX 
They have been calling me all hours of the day and I don't know if it's a scam or somebody used my social I don't know if it's real they're trying to bill me for {$1.00} XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
i aslo do not have any contact with my signiture between me and this company to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I was not late on any payments on this loan. It shows late payments in XX/XX/2014 and XX/XX/2014 XXXX

Company response to consumer: Closed with explanation