vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I had some communication with XXXX about 2-3 years ago about asking for my hm phone as they claimed it belonged to them, I had XXXX  phone services at the time and they asked that I request my old ph number from XXXX to use it. I had to pay about XXXX at the time and they let me use it. Someone from there came out and took their wire out. I then kept gettin a bill for XXXX for phone service I never had from them??? Now it appears it's with about 3rd creditor Southwest credit systems and they don't have any information on when or what is owed?? I don't owe XXXX anything period. But they also put this on my credit report as derogatory? I don't have any info from back then I'd really have to look and it was appeared cleared back then??? I want them off my.back and credit cleared. Very aggressive company!. I would never do any business with them and I haven't in years. The letter recent is from Southwest Credit Systems LP XXXX XXXX XXXX, XXXX TX XXXX XXXX. I don't know why I would have to continue to argue with these creditors 2-3 years later?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX 2021, I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. The letter stated " we have received your request for a credit product with XXXX FINANCING issued by Synchrony Bank. '' The letter further stated that the request was denied as they were unable to access credit bureau due to freeze or lock. On XXXX XXXX XXXX, I sent a letter to Synchrony Bank via regular mail and certified mail informing Synchrony Bank that I am a victim of identity theft and that I did NOT apply for a credit product with XXXX XXXX and/or Synchrony Bank XXXX and I did NOT authorize anyone to apply for credit in my name. I asked the Bank to provide information regarding the application, identity documentation provided, and any pertinent information so that I could add this information to my Federal Trade Commission report and police department report. I also asked the Bank to confirm that the credit inquiry has been removed from my credit report. To date, I have not received a response from Synchrony Bank. They did not provide a telephone number or street address in their letter. I would like CFPB to intercede in this matter with the hope that the bank will provide the requested information.

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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: KY

Complaint narrative:
My husband and I refinanced my mortgage in XXXX from Statebridge Co to XXXX. We were owed around {$2600.00} from our escrow with Statebridge. They dispersed a check for the correct amount around the first of XXXX which we received. However, I accidentally threw the check away when paying bills. 
I contacted Statebridge on XX/XX/XXXX when I noticed I couldn't find the check, I spoke with XXXX. I explained the situation and asked them to cancel the previous check and reissue another one. XXXX stated she left a message for the finance department and it could take up to 3 weeks. 
On XX/XX/XXXX after not receiving a check or any communication from Statebridge I called back and again spoke with XXXX. She stated it appeared no one had addressed the issue. She placed me on hold and spoke with a manager. She then told me another message was sent to the finance department and to call back the next day. I waited until XXXX to call again to check the status and again some with XXXX. She again stated there wad nothing noted and she would try to speak to her manager again. After several mintues on hold she started she would need to call me back. 
As of this date, XX/XX/XXXX I had not heard back. My husband called and stated again nothing had been addressed by the finance department and another note would be sent. 
I am obviously willing to pay any cancellation fee they may be charged but after a month and a half with no information as to any steps to resolve I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information n there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from XXXX and Equifax stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on Equifax and XXXX, there's a XXXX XXXX ( Equifax ) and XXXX  ( XXXX ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
Equifax is reporting a XXXX acct and that acct also does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Servatus Corporation
State: TX

Complaint narrative:
XXXX, I had a XXXX breakdown due to a XXXX  of my partner. I had a account with XXXX XXXX XXXX which the balance was XXXX and went into a bad XXXX which I stop paying all my bills.I was getting harassing calls from them and the calls stopped. In XX/XX/XXXX, credit solutions corp which now has a balance of XXXX started harassing me with threats and obscene language a nd kept calling me from different numbers. I recently received my credit report and noticed I had a pending collection on my credit report.To my understanding, XXXX XXXX XXXX had a profit and loss on this account and some how got resold to Credit Solutions Corp . This activity is illegal and want this account removed from all XXXX credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT MCM ARE VIOLATING MY RIGHTS BY CALLING AND SENDING ME LETTERS CONCERNING A DEBT THAT I DO NOT OWE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
MY LOANS HAVE BEEN IN FOREBEARANCE OR DEFERMENTS FOR A VERY LONG TIME. THEY ARE REPORTING ON MY CREDIT REPORT AS LATE. I AM ASKING FOR THEM TO MOVE ALL THE LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Received an alert from Wells Fargo regarding a {$3500.00} transaction replied no and immediately received a phone call from Wells Fargo stated someone requested {$3500.00} XXXX payment that was scheduled to go through in an hour unless I requested the money back to me through XXXX then the caller proceed to talk me through the procedure and two transactions one from checking in the amount of {$2000.00} and another from my savings {$700.00}. I informed the bank and recently received a letter stating that although it was a scam they have informed the recipient and requested a refund and if the send it back thats the only way I can recover from this.

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 2022-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After multiple attempt to resolve issues with my Credit report with XXXX through online/certified mail/and phone calls XXXX refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know darn well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.

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 2022-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After multiple attempt to resolve issues with my Credit report with Equifax through online/certified mail/and phone calls Equifax refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know XXXX well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to XXXX and Transunion that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from 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 non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: TX

Complaint narrative:
This is the second time I'm reporting card.com prepaid card company. My family and I lost our home in a house fire last year in XX/XX/2021. We set up a XXXX account, out of almost 7k that was raised, they have with held XXXX of it since XXXX of XXXX. I have submitted legal documents, social security cards, driver 's licenses, current and past utility bills, along with ALL of the XXXX  account info. Because ONE payment came in from the deposited under my husband 's name, they locked the account down pending paperwork. It's been locked since XXXX. Contacted the FTC last month, within a week I received a call saying all money was being returned to the deposited.. XXXX. I called on XX/XX/2021 and was told they deposited {$1700.00} out of 2k.XXXX for " their fees '' back to XXXX. I have since received confirmation from XXXX  this is not true. Now they refuse to speak to me and have closed ALL 3 cards attached to the account out of spite. NOW saying I'm no longer a customer, they're refusing to speak with me. We NEED our money!! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is XXXX  more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.

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 2022-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I living breathing soul XXXX ; XXXX XXXX XXXX beneficiary, have sent Wells fargo auto 3 written cease and desist noticfications about stopping all communications dealing with debt oertaining to account number XXXX. Wells fargo refuses to STOP debt collection notices being sent to my private address. They have sent 4 DEBT COLLECTION NOTICES on 4 different occasions ( please see attachments for documentary evidence ) WElls fargo entered a Fudiciary agreement on XX/XX/XXXX of XXXX acting as the trustee to my XXXX XXXX which is the Social security number to XXXX XXXX, in which XXXX ; XXXX XXXX is the beeficiary of which means wells fargo doesnt have authoirty to act as a beneficiary of the XXXX XXXX. They have been committing sutto fraud. They have been paid directly from the trust and continuously keep using deceptive forms and now have sent a harrasment of vehicle repossesion. ( please see attachments ) They have violated Title 15 usc 1692c and 1692e, along with DISREGARDING THE CEASE AND DESIST letter. The agreement on XX/XX/XXXX is null and void and doesnt stand in court of Federal Law since the voilations and Laws have been put on public record that have been broken by Wells Fargo 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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
Today XX/XX/XXXX I receiveda debt collection notice in the mail from I.Q. Data International , Inc. for a debt to XXXX XXXX XXXX for {$190.00}. When I called I.Q. Data International explained that the {$190.00} is due for cable and utilities from XXXX. Since I never receiveda bill from XXXX XXXX XXXX for {$190.00}, and in fact only ever received a bill on XX/XX/XXXX for {$110.00} for the same period of time ( XXXX ), I told the representatives at I.Q. Data International , Inc. that I would like to contact XXXX XXXX XXXX to understand 1 ) why I never received a bill for the alleged {$190.00} that is now in collections and 2 ) why I am being billed for the same period multiple times. 

2 different representatives at I.Q. Data International , Inc., first a male and then a female, threatened that if I did not immediately pay or give them my employment information they would report the debt to the credit bureau and damage my credit. After explaining to the male representative that I had no problem paying for a bill that was due, but first wanted to contact XXXX XXXX XXXX to get a copy of the bill since I never received it, he told me that if I did not provide my employment information before hanging up he would report me as refusing to make payment. I specifically stated that since it was a recorded line I would like to state that I had full intent to make the payment, however, I wanted to speak to XXXX XXXX XXXX to receive a copy of the bill first. I was then put on hold and a very aggressive female took my call next. She was extremely rude, would not let me speak or ask questions, and again threatened that my credit would be damaged if I did not pay immediately over the phone. When asked for a breakdown of the itemized charges on the bill she spoke very fast and even after asking her to slow down because I was writting down the information she did not. I was not able to get an understanding of what was due since she would not slow down. She then tried to state that I should hang up the phone so that she could close my file and have it sent to the credit bureau. Again on a recorded line I stated that I had no intention to hang up the phone and asked her what my options were. She was not very clear but said I could hang up or she could close my file. I said thank you, and she said goodbye but she did not hang up the phone. I did not hang up either because I thought she may still be trying to " make me '' hang up the phone. I remained silent on the line until she hung up. 

I immediately contacted XXXX XXXX XXXX to ask for a copy of the bill that is now in collections, and why I am being billed multiple times for the same period.

Company response to consumer: Closed with non-monetary relief