vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
I placed a freeze on my credit report 1 year ago due to identify theft I have not applied for any new credit however my transunion credit report has several new inquires in the last year. I did not authorize any of these inquiries.

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 2021-09-07 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:
I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, BUT TO ENSURE THAT THE ACCOUNTS ARE REMOVED FROM MY CONSUMER REPORT PERMANENTLY DUE TO VIOLATIONS OF MY CONSUMER RIGHTS. I AM A CONSUMER AS IDENTIFIED IN fdcpa 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: GA

Complaint narrative:
I talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.

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 2021-09-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a fraud alert on my credit report and Bank of America continues to add debt that is not mine. They credit bureaus investigated and removed the account but it continues to report.

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 2021-09-07 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:
I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, IT IS REQUEST THE METHOD USED TO VALIDATE THESE ACCOUNT, WHICH IS MY RIGHT PURSUANT TO 15 USC 1681i ( 7 ). I UNDERSTAND THESE ACCOUNTS INCLUDE STUDENT LOANS, PURSUANT TO 15 USC 1681B ( A ) ( 2 ), I DID PROVIDE YOU PRIOR CONSENT NOR IS THERE ANY PERMISSIBLE PURPOSE TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT. THIS IS A VIOLATION OF MY CONSUMER RIGHTS LEAVING YOU LIABLE CIVILLY/CRIMINALLY PURSUANT TO 15 USC 1611 AND 15 USC 1640. I ALSO UNDERSTAND THAT THERE ARE ACCOUNTS SHARED FROM MEDICAL PROVIDERS. PURSUANT TO 15 USC 1681A ( 3 ) ( A ) ( B ) ( C ), THE SHARING OF MEDICAL INFORMATION AND PAYMENT TRANSACTIONS FOR MEDICAL SERVICES ARE A VIOLATION OF MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery associates is saying Im owing a debt which is associated with an address I dont live at. I have tax returns that date back to 2015 showing I live at a different address than the one associated with the alleged account. Not only that by law Im defined as an consumer and with that being said they are violating the FDCPA by reporting a debt that hasnt been verified. They were supposed to notify me of the alleged debt at my home address within 30 days of buying an account with my personal information in which I didnt give them which is identity theft, the alleged debt was bought years ago I didnt receive notification until this year. I will be sending them a consumer damage invoice for my inconvenience. This is my last attempt before my lawyer gets involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
To XXXX XXXX XXXX at compliance of Sequium Assets Solutions your sorry and explanation do not help me. I have never done business with you. I do not owe Sequium Assets Soution any money and I do not owe XXXX XXXX XXXX any money. Your sorry for the inconvenience just results in : XXXX  : dropped 19 points XXXX  dropped 44 points XXXX  dropped 12 points So while you are giving time for me to review you need to REMOVE this from all three credit agencies. You have violated my rights and have never contacted me to verify if I owed a debt instead you just placed this on all three credit bureaus without verification. REMOVE IT IMMEDIATELY!!!! 

You are a despicable company that has no morals and is just out to ruin others. No contact, no verification yet you placed this on all three credit bureaus and then have the nerve to say sorry for the inconvenience, You are truly disgraceful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I closed on the purchase of an investment property with XXXX XXXX. XXXX was advised at the time of purchase that I would not be living at this property, and were given my mailing address which they retained in their files. 

Shortly, after closing the loan, XXXX sold the mortgage to AmeriHome Mortgage, and sent them the paperwork including my mailing address. 

In XX/XX/2021, AmeriHome sent correspondence to me at the investment property address advising that the loan had been sold. They misdirected this correspondence while having my mailing address in their records on file. As I do not live at this address, the mail sat uncollected and long enough for me to send two mortgage payments to the prior lender.

I learned of the sale of my mortgage, after AmeriHome contacted me by telephone in XXXX, 2021. I explained to them that I did not live at the property where they sent the mail, confirmed that they had my proper mailing address on file, and contacted the former lender about the error. The former lender took steps to direct the two mortgage payments to AmeriHome.

Yesterday, while at the investment property, I picked up additional correspondence from AmeriHome advising that I am in default and that my credit report is impacted - this after explaining what happened with the prior mortgage payments and confirming that they have my mailing address on file which makes this entire evolution their mistake. I called the company this morning, and explained again, that my credit report should not be impacted because of their mistake/failure to use the mailing address they have on file. I also recontacted the prior lender and asked them to confirm that the two prior mortgage payments were forwarded to AmeriHome. 

My credit is being harmed because of this company 's incompetence. I have been a home owner for more than 25 years, own other properties, and have NEVER been delinquent or in default of any mortgage. They have told me the matter is still under investigation and they will/may change the credit reporting when they're done. 

This is absolutely unconscionable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2021, I send a international wire transfer to XXXX XXXX  XXXX, XXXX XXXX for {$1600.00} through my checking account with Wells Fargo, For a deposit of a rental on a room in XXXX XXXX XXXX Florida. After no contact with the supposed owner, I opened a fraud with calm on XX/XX/XXXX 17 days after the the wire transfer was sent. I called Wells Fargo again on XX/XX/2021 to check statue on my clam, I was told the clam investigation was still in progress. I called again on XX/XX/2021, got the same answer. I told the Wells Fargo rep to please have someone working on the investigation to contact me, I heard nothing. I received a letter from Wells Faro dated XX/XX/2021 stating they had completed there research, and that too much time had passed before I had contacted Wells Fargo about this fraud. 17 days from the day to the transaction to the claim filed on XX/XX/2021. 
I contacted Well Fargo on XX/XX/2021 at the number I was instructed to call if I had a problem with these findings. I got the usual runaround, transferred numerous times to my call being cut off by an automated system. Wells Fargo did NOTHING to help recover these funds that were transferred through their bank! I believe Wells Fargo believe If they give me the runaround, never answer my calls, numerous inquiries, I will just accept there excuse that I waited to long to report! That is not the case which is absolutely not TRUE! Wells Fargo did nothing to help me or solve this fraud.

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 2021-09-07 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: TX

Complaint narrative:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

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 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I made online purchases on XXXX and selected the payment method as paypal. After I submitted the order, i received an invoice from paypal asking me to click a link and authorize the invoice for payment. I have completed the authorization as it is a genuine email from paypal and my payment method is paypal. What happened was that someone hacked the XXXX retail website and sent invoices through paypal. Paypal is not able to refund me as they say that I have authorized the payments, however, they are unable to give me valid reasons as how some fraudulent people are able to register as a seller and was able to send an invoice thru paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
for the last 1 1/2 years the loan management company that bought my mortgage has been billing me money above the principle and interest saying it was for escrow for Property Tax and insurance. I already pay for all insurance that is required by Law thru my condo management company and every year They send Proof of That insurance to the loan management company, Well the loan company keeps sending me letters saying they are buying insurance anyway and they didn't get the fax and I can't get them to acknowledge I already have it and they Threaten to foreclose if I don't Pay. I even had the insurance provider call them to make sure they had it and she sent me a letter with the name of the person she talked to and they told her they had all the proof of insurance they needed, and then I got another letter saying they needed proof of insurance. It's like they are harassing me until I pay them,, Also I got a letter from the Tax dept. saying my taxes haven't been paid in 3 yrs and I had 4 days to pay them or the property was going up for auction, ,Needless to say I was shocked and Immediately had to go pay almost {$2000.00} worth of taxes at the Tax dept to stop action on my property. I called the Loan management company and asked them why they hadn't paid my taxes they said the tax dept. told them I didn't owe Taxes .I asked them where did my money go that they have been charging me for escrow they said they would do an escrow analysis .The escrow analysis said they need more money,, I Faxed them a letter formally asking them not to escrow my account and that I'm responsible for my own taxes and they weren't paying them anyway. and I wanted the money back for the escrow and Insurance for the last 1 1/2 yrs yrs that they didn't pay. That are trying to raise my escrow by twice as much as my taxes are and won't even talk about where the escrow money that they already have went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CORELOGIC INC
State: NC

Complaint narrative:
On XX/XX/2021 I visited XXXX XXXX XXXX in XXXX, TN. I was interested in a XXXX XXXX XXXX and after the test drive, I was told they would " put together the numbers '' and that it would not affect my credit. When I asked for clarification on how it wouldn't affect my credit the salesman named XXXX XXXX told me that it would be a " soft inquiry '' and that they don't actually pull my credit until after I agree to purchase the car. I confirmed the details of this by telling him that I do not want a hard inquiry on my credit report and he confirmed back to me that this would indeed be a soft pull. I had a friend with me at the time who then triple confirmed with the salesman that this would not be a hard inquiry and the salesman again triple confirmed that this inquiry would indeed be a soft inquiry. I did not end up purchasing the car because the price was not acceptable so I left. When I checked my credit through XXXX XXXX this morning XX/XX/2021 I can see I have a brand new hard inquiry from Credco which is apparently the company that XXXX XXXX uses to pull merged credit reports. When I contacted XXXX XXXX at XXXX XXXX about the new hard inquiry I see, he claims I misunderstood and that he did tell me it would be a hard inquiry and that I must be confused about what he said. After confirming 3 times that it would not be a hard inquiry I don't know how this could possibly be my fault. It seems to me they are lying in an attempt to get people to purchase a car but this has very real consequences and my credit score actually dropped a few points as a result of this new inquiry that I never asked for. I have filed a dispute with the credit reporting agencies to get the hard inquiry removed but I really think XXXX XXXX and Credco need to be held responsible for these deceptive tactics that may be harming otherwise unaware shoppers.

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 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
In XX/XX/2021, I started to address my credit and several issues on it. CBS reported 4 collection accounts from XXXX XXXX XXXX, all have XXXX XXXX. I disputed these collections twice through XXXX  and mailed 2 direct furnisher dispute letters to CBS, both went unanswered? I have very good insurance through XXXX XXXX KY and wanted to make sure all medical billing was correct and I truly did owe these amounts. Plus I wanted to make sure these 4 supposed collections were not from one medical service and should only be 1 reported collection. But since CBS will not respond, these questions remain unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CORELOGIC INC
State: TX

Complaint narrative:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

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 2021-09-07 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

Company response to consumer: Closed with explanation