vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: NJ

Complaint narrative:
This company keep reporting inaccurate information and refuse to investigate. 
i have not received respond, they are ignoring my rights.

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 2021-03-03 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: NJ

Complaint narrative:
This company keep reporting inaccurate information and refuse to investigate. 
i have not received respond, they are ignoring my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: AES/PHEAA
State: AL

Complaint narrative:
Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Visited the AmEx website to get information about prequalification. Prequalified for the XXXX card and two XXXX XXXX. When attempting the application for the XXXX card, there was an indication that info I submitted did not match their records preventing us from effectively applying. I did not feel the first rep fully understood or wasnt properly disclosing why our info was in their system, he passed us to XXXX who took a social security number but never clarified whether old info was in their system or adequately why he needed it. He never performed a proper authentication of our identity to disclose info that may have been in the system. I raised the concern numerous times that we didnt understand whether old info was causing the block ( which would have allowed us to try to take next steps ) or whether someone else was using my info. The original rep claimed he couldnt even see the prequal for XXXX and started pushing a card I was not prequalified for, the gold, which is showing elevated offers online. The problem is that if the XXXX cards, possibly, connected to old corporate accounts, but maybe not, are not the issue, what is but they never helped me understand what I could do to help myself if there is an issue. I was transferred to and spoke with a manager, XXXX, who the previous rep claimed was a middle school friend, who totally blew off my security concerns. Then ; Spoke with XXXX, who provided an XXXX XXXX address for complaints because apparently AmEx does not value prospects only client concerns, even when security related. Chatted with XXXX and he blew me off totally and was flippant in his replies. Im baffled that none took my concerns seriously when I was told that the name and email address in their file did not match my social and Im surprised that this company does not have a method or counseling to deal with security concerns for prospects. I thought their customer service was industry best but 5 people -including 1 supervisor- failed us. I do not want to wait for snail mail for resolution and the company has no expedited solutions for investigating security concerns. I wasted my time and got no information. Not interested in a relationship anymore now that I understand how clients are treated but want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
Binance closed my account. They have not sent me my IRS XXXX forms as required by law before XX/XX/XXXX. I emailed the company and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: AL

Complaint narrative:
Attached below are additional documents which show the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.

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 2021-03-03 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: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
This company is garnishing my wages for a debt that I believed to have been discharged. I received a 1099 form and claimed it on my taxes. I have reached out to the company via telephone and was told that I needed to email them, I emailed them and have not received a response. In my email, I questioned the validity of the debt since I had previously received a 1099. I informed them that if I legitimately owed the debt, I would pay but that my husband is out of work currently, so the amount that they are withdrawing, close to $ XXXXmonth is TOO MUCH! I requested that they send me information regarding the debt, an itemized breakdown of what I owe, how much they claim that I owe entirely and a complete breakdown of the debt and the amount of time that they are expecting me to pay. I have not received an email back, nor a phone call, nor anything via the mail. I am asking CFPB to assist before seeking a lawyer and having to pay addl fees. Any help would be greatly appreciated. The HHL file # is 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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
LEXISNEXIS CONSUMER REQUEST FORM REQUEST, AFTER MY INSURANCE POLICY WAS CANCEL BECAUSE WRONG INFORMATION WAS REPORTED BUT I REQUEST THE RECORD CHALLENGE INCORRECT ENTRY IN MY REPORT BUT THEY SEND ME THIS LETTER INSTEAD : READS THAT THEY CANT FIND ANYTHING AT THIS TIME AND I NEED INSURANCE KNOW BECAUSE OF THEM I CAN'T OBATINED INSURANCE AT AFFORDABLE RATE. XXXX CANCEL MY POLICY XXXXCANCEL ME AS WELL BECAUSE SOMETHING ON MY CONSUMER LEXISNEXIS REPORT AND THEY AREUNABLE TO LET ME KNOW WHAT IS IT. 
THIS IS MY COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
Contract Callers Inc was listed on my credit as a collection for XXXX XXXX XXXX XXXX XXXX XXXX, the local utility company. I contacted them to request the removal of this unfair accusation of owing {$550.00} to the utility company. I asked the agent I spoke with to provide proof that I owed the funds to XXXX. The agent refused and demanded payment in full. When I refused to pay a debt not owed and unverified as being owed, she ( CCInc 's collection agent ) threatened that their debt demand would stay on my credit forever and not be removed at all, if or until the full payment was made. I asked again for verification in writing and explained that no document or demand was ever sent in my name concerning the alluded to amount neither from XXXX or CCInc. The agent continued to refuse to send me proper notice of the demand. I have contacted Contract Callers several times over three years to request fair removal of the collection from my credit reporting on all three bureaus.They have refused and continue to update and maintain information that I have repeatedly asked them to verify as mine only to be steadily refused. I have been threatened with them maintaining this information without any attempt on their behalf to provide the correct documentation of the original agreement or debt and file verification.I have not been treated fairly under FCRA. 

In terms of Contract Callers Inc stating that they are simply collecting for XXXX, XXXX states that an account that was closed was purchased by CCInc. XXXX has never stated or sent demand for any monies owed by myself or any family member. CCInc collecting on behalf of XXXX has been a main reason stated for non-removal of the demanded debt. XXXX made it clear they do not use third parties to collect debt, but they in fact sell accounts to collection agencies. Contract Callers Inc is a collection agency that XXXX sells debt to.

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 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IN

Complaint narrative:
On XXXX someone hacked into my Netspend account and transferred {$1300.00} of my money to another Netspend account. I saw the transaction and immediately called to file a dispute on XX/XX/21. The agent I spoke with told me that someone tried to make a transfer and it was denied, then someone went into my account and changed my phone number and email to theirs so they would get the alerts instead of me. Then they called and acted like me and supposedly gave my correct security question and had most of my money transferred to their account through an agent. The agent I spoke with changed my security question and said she removed this person information and put mine back on. When I went back onto my account a half hour after our phone call this persons phone number was still listed on my account to get text message updates. I have since removed that number but only after I saved everything so I could have proof. I called back the next day and spoke to another agent to follow up and he stated I didnt email the dispute like I was supposed to. The first agent never told me I was to email anything. I emailed a dispute and still waiting on my money back and a final decision.

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 2021-03-03 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: CA

Complaint narrative:
There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX  XXXX XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$5200.00} Opened XX/XX/XXXX XXXX XXXX  - Acct # XXXX XXXX {$3500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$20000.00} Opened 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 2021-03-03 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: CA

Complaint narrative:
There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX XXXX  XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$5200.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Amt {$3500.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$20000.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Mariner Finance LLC filed suit against me on XX/XX/XXXX for a collection debt I owed. 

Collection debt owed and requested in lawsuit was XXXX. 

Default judgment was entered XX/XX/XXXX. 

Garnishment motion was filed at 25 % of my disposable income. This order was granted XX/XX/XXXX with the awarded amount equaling XXXX XXXX garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Last garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Total wages garnished by Mariner Finance LLC for calendar year XXXX as documented on employer paystub equals XXXX. 

Outstanding fees still being reported by Mariner Finance LLC on all 3 of my credit reports in the amount of XXXX. 

XXXX paid by me, directly, to Mariner Finance LLC on XX/XX/XXXX. 

All 3 credit report updated with information received by Mariner Finance LLC on XX/XX/XXXX stating Mariner Finance has reported positive activity : Account Paid Total paid to Mariner Finance LLC equals XXXX. 

MOTION FOR PROCEEDINGS SUPPLEMENTAL AND ISSUANCE OF INTERROGATORIES Filed by Mariner Finance LLC on XX/XX/XXXX seeking payment amount in the form of garnished wages by employer in the amount of XXXX. 

NOTICE OF GARNISHMENT SUMMONS - ORDER TO ANSWER INTERROGATORIES, NOTICE OF HEARING AND INTERROGATORIES filed by by Mariner Finance LLC on XX/XX/XXXX seeking additional unknown/undisclosed origination amount of XXXX. 

ORDER TO APPEAR TELEPHONICALLY TO INDIVIDUAL JUDGMENT DEFENDANT Filed by Mariner Finance LLC filed XX/XX/XXXX. 



As you can see by the time line stated above, this case was decided in XXXX of XXXX and wages were garnished as dictated by court ordered default judgement. Garnished wages in the amount of XXXX were paid to Mariner Finance LLC. Balance listed on all 3 credit reports in the amount of XXXX was paid by personal debit card directly to Mariner Finance LLC before additional lawsuit was filed. Mariner Finance LLC reported to all 3 credit bureaus that my originally opened, and only account opened with Mariner Finance LLC was paid in full on XX/XX/XXXX. Mariner finance LLCs legal team is still, as of XX/XX/XXXX, sending harassing correspondence by mail requesting additional unsubstantiated funds and remedies that have already been paid decided and reported as paid in full. Company is suspected of retaliating against disputed items on credit report that were filed by me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I got scammed through XXXX XXXX and cashapp out of $ XXXX.I was trying to call XXXX  costumer service about a reoccurring amount taking out of my account. Went online searching for XXXX  support billing. Got a number and called them and from there I started getting scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
In XXXX I received a collection letter stating I owed XXXX from Delta Management Associates , Inc . 
I sent them a letter disputing the loan, specifically asking for copies of all original written agreements and a breakdown of all collection amounts. They never responded at any time in XXXX, XXXX, or XXXX. I believe they are to respond with in 45 days? 

At the end of XX/XX/XXXX, I received another collection letter from them. Only this time it is obviously the same loan, broken now into ... two different loans. With two different account numbers. At first, I ripped them in half, but then it occurred to me what they were doing. I did not dispute them this time because I believe it is the same loan. 

I believe because I disputed the first letter, and they never responded to it as requested, they just deceitfully broke it down now into two different loans, with different account numbers so they can continue to try to collect it. Figuring I wouldn't bother to dispute it again a second time. Which I didn't. Since I didn't dispute the new " set '' of loans, now they can assume it as a " valid debt '' and continue to try to collect it. I believe this is certainly a deceptive practice. Number one, because it just is. I mean how many times will they not provide proof, and keep splitting the loan, or changing the account number? Number two, because they don't have proof of the original loans this is what they do? I believe it is a fraudulent method to bypass having to provide me with proof.

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 2021-03-03 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: OH

Complaint narrative:
I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation