vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
A collections debt was opened on my credit report XXXX from a debt collection company named Enhanced recovery COXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) phones number ( XXXX ) XXXX. Claiming I owed {$380.00} to XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) But, I have never had either company. I got the debt removed once before from my credit report due to it being a fraudulently attempt from this company to collect money from me. However, it keeps reappearing and disappearing from my report. Causing serious credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
XXXX XXXX has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air

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 2022-03-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air

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 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by Elevate Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at Elevate said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that Elevate and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that XXXX XXXX XXXX XXXX was the new owner of the debt. On XX/XX/XXXX, I called XXXX myself and asked the representative what their relationship to XXXX and Elevate was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that XXXX XXXX, Elevate, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXX XXXX/Elevate have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX a fraudulent inquiry was placed on my XXXX report. I contacted the bank Synchrony and XXXX to have it removed. I filed a FTC report and mailed letter twice to XXXX with info they requested. I also have called synchrony 3 times each time they tell me they are or have sent information to XXXX to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not approve these 20 or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are unauthorized inquiries on my Transunion consumer report. I reached out to Transunion regarding this matter with no resolve. My consumer rights have been violated.

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 2022-03-30 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: CO

Complaint narrative:
On my credit report it shows that I've missed payments to one of my lenders XXXX and that my balance has went up, presumably from missing payments, interest, and possible penalties, though XXXX  loan payments are suspended until XX/XX/2022. XXXX has never mailed me a statement, either.

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 2022-03-30 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: CO

Complaint narrative:
On my credit report it shows that I've missed payments to one of my lenders XXXX and that my balance has went up, presumably from missing payments, interest, and possible penalties, though XXXX XXXXoan payments are suspended until XX/XX/2022. XXXX has never mailed me a statement, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
CLOSE CASES XXXX & XXXX FINALLY THE XXXX FIXED THEIR ILLEGAL REAGING AFTER I HAVE HAD TO REPORT THEM 3X!!!!!!!!!!!!!!! NOW PLEASE REMOVE YOUR XXXX XXXX REMARKS OFF OF MY ACCOUNT SO I CAN APPLY FOR MY XXXX LOAN NOW. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX } OR BY FAX : XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). 

I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. 

More specifically pertaining to comments on accounts. 

I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. 

The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes. 

Truly, 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 non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX Texas XXXX. The nightmare begins XX/XX/2021 when I agreed to solar energy with a company XXXX who is now out of business and their lender partner Mosaic XXXX XXXX for solar energy systems. In XX/XX/2021 XXXX sent a group out to install panels on my roof and that was all, they locked me with the panels and I was paying in good faith thinking I was going green here in the near future but it turns out that theirs been no permitting done not anything but the holes in my roof now! I've waited and waited for them to return, I've called left messages I've reached out to XXXX  numerous times in email and by phone and no response. I've tried to go through Mosaic to try to get through to XXXX and nothing. Mosaic has sent me to collections for default but both XXXX and Mosaic are the ones in default. I've asked Mosaic to cancel the loan but Mosaic is telling me that I have to cancel through XXXX ( why!?! ) who is now out of business and has left no line of communication to even try that. My credit score has been impacted by this scam and fraud ordeal and I now receive these letters from Mosaic about being in default under the Solar Loan Agreement and that they reserve the right to disable my solar equipment THAT I NEVER RECEIVED! and now like I mentioned my credit has been negatively affected and I should not have to pay for something I never received and I believe that this should be removed from my credit report as soon as possible. Please help me in getting this resolved. I've reached out to all 3 credit bureaus already in the attempt to clear myself and to just make a claim in my defense. So my hopes are to be cleared of the false claims by Mosaic to the credit bureaus that I'm in default and to get loan with Mosaic cancelled for breach of contract. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking account was hacked into on XX/XX/XXXX and there were multiple purchase transactions to my account with m debit card. When there was no money left in the account the hacker pulled {XXXX} from a joint checking account that I have and also did a telephone transfer of {XXXX} from my XXXX card. I contacted my bank immediately on XX/XX/XXXX and filed a fraud report for the transactions in my checking account. The credit card was not included in this complaint as it required to go to another department. When I was told this in XX/XX/XXXX I then contacted the credit card fraud department. At first they refunded the {XXXX} advance and removed all related fees. Then they reversed them back out and said that we were responsible for paying back the credit card as the {XXXX} was in my checking account which is was not the hackers had used that money as well. I appealed the first notice of the claim in XXXX and on XXXX XXXX received another letter that the case had been closed and they found that there had not been any fraud. I called again today and asked to have a copy of the recorded phone transfer and was told I could only get that information by court order. I have filed another appeal and provided great details to the person that I spoke with today. I can provide the transactions that occurred on XX/XX/XXXX and am certain that myself or my wife did not make a telephone transfer of funds from our credit card.

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have had a tXXXX credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called XXXX XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. 
I then received a letter from ERC a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that XXXX reduced my credit limit from {$1500.00} to {$300.00}! 
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. 
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the XXXX main credit reporting agencies ( XXXX, XXXXXXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to apply for a mortgage and the lender is not able to pull Equifax report. I used to live at one address which is very similar to where I am staying for the time which is 5 houses down from our old place. You are not letting the mortgage lender XXXX XXXX run my credit due to a " freeze, '' that is not even on my credit report after speaking to 4 different agents within the past week! I need you to allow any and all mortgage lenders to run my credit report ASAP as I am needing to apply for a home loan in this present moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I went on XX/XX/XXXX to inquire about a car, I mind you on my old lease, I still had 10 moths left on my lease, I fill like they had a motive the whole time, they told me they would buy me lease out they did not and they attached it on this lease and I feel like they screwed me put me in a 4 year lease for {XXXX} and he also did fraudulence by putting I was on the job for a year and I wasnt, I was only on my job for 4 months. I could have kept the car I already had because he claimed I would not see any good rebates on my car, I feel like I did not get a good deal, he screwed me for a car sale due to the car dealership was giving this car to XXXX XXXX schools and jacked the price up on me, the dealer ship also stated they didnt have any inventory, no cars were coming in but screw a long term customer to help pay the bills, that is not the way you do things, XXXX will never get my business ever again they can not be trusted on no levels, I seen on XXXX they have a lot of complaints on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2022, I applied for a Venture XXXX credit card from Capital One, and the card has a {$390.00} annual fee. Capital One instantly approved the credit card and the Venture XXXX card was sent to my home. The last XXXX digits of my credit card account number are # XXXX. 

On XX/XX/2022, I attempted to use the Venture X card overseas and the charge was rejected. About an hour later, I received an email stating We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. I contacted Capital One Fraud Department and they asked me to submit the following items : 1. Drivers License ( front and back ) 2. Social Security Card 3. Proof of residence ( bank statement, utility, etc. ) After submitting the requested information several times, I submitted a letter to Capital One informing them to either re-activate my credit card, or refund me the {$390.00} annual fee and close the account. 

On XX/XX/2022, I learned that Capital One permanently restricted by card, which means I can no longer use the card. I have requested Capital One to refund me the {$390.00} annual fee. Despite putting in numerous requests and escalating the matter, Capital One is refusing to refund the {$390.00} annual fee. 

I am requesting that Capital One refund the {$390.00} annual fee since Capital One took a decision to permanently restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain 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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am XXXX  Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) 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. All Codes Public Law

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I intended to XXXX {$1500.00} to my friend 's account at XXXX XXXX XXXX. Unfortunately, the money was Zelled to XXXX XXXX XXXX, which is wrong phone number. I called the individual several times and even send a text to the number to refund the money back to my XXXX account. The individual has never responded. 

I reached out to my bank, XXXX XXXX, they said there is nothing they can do because the money had already left my account. I called XXXX and said to contact the client 's bank, Bank of America. Bank of America said they can only conduct an investigation if they get a report from XXXX. XXXX refused to start an investigation for the process. 

This is now between Bank of America who is the client 's bank and XXXX who owns the platform. They can trace the individual through their phone number provided.

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