vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
Hi, I wanted to transfer money to XXXX to help my sister who's business is severely impacted by COVID shutdown. I used XXXX ( Continental Exchange Solutions , Inc. dba Xe USA ) to initiate the transfer. They asked me to wire the funds to them on XX/XX/XXXX of {$27000.00} with promise to transfer in 2 days to recipient. I have receipt confirming the details of this transaction ( attached XXXX ). I promptly wired on XXXX. I have proof from my bank that money was transferred ( attached XXXX  ). XXXX  acknowledged that they received as well ( over phone on XXXX ). on XXXX when I called to confirm they said transfer is not possible for account types I have chosen and money will be refunded in 2 days. They created another receipt showing the same ( attached XXXX ). Since then I call every day and have a long email threads ( attached, it even says they saying sent back on XXXX, but nothing has come to my account ) with them for over 15 days now and they are not refunding my money. Every day they say it will happen in a day or two but nothing comes through. On email they are saying that their back office is investigating but no information, No confirmation of transferring back, no receipt ids or anything that my bank can use to look up for incoming wires/transfers. 

Company details : ======================================== Continental Exchange Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX Fax : XXXX XXXX XXXX XXXX I am at loss of XXXX  and paying interest in my margin account on this : ( , If they can't transfer why hold my money : (. Please help. Attached statement from my bank showing transfer, attached receipts from XXXX showing my wire and their receipt to transfer money back to me ( which never happened ), Also attached email thread. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: FL

Complaint narrative:
Hi I am a consumer who reached out to Equifax about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Equifax did respond to my first Consumer Financial Protection Bureau. complaint stating, they could not find me in their data base but a few weeks later removed the tradelines from my report on XXXX XXXX Im sure that denied having-my personal information because i have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Equifax report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Equifax violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Equifax for the suffering and also the fraud that was taking place. Deletion is admission and Equifax never had my written permission to furnish this information. I do not have the account number Equifax has removed the accounts, the accounts were under fed loan, and i will attach an exhibit that I also provided to Equifax I have sent a invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Equifax was reporting XXXX worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED / XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED / XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/2021, we received a letter purportedly from our mortgage institution, asking to confirm the Social Security Number associated with the account. 

Enclosed with the letter were two government forms : an XXXX from the Social Security Administration, which is an authorization to release SSN verification. This form was partially completed by the sender, who listed the " Company Name '' as JPMorgan Chase Bank, XXXX, and with the address XXXX XXXX XXXX, XXXX, OH XXXX. 

The second form was an XXXX XXXX Request for Taxpayer Identification Number and Certification. This form was left blank. 

The address on the cover letter, however, was in XXXX XXXX, TX, not XXXX, OH. 
Odd. The Cover Letter also offered a fax number one could send forms to ( XXXX ) XXXX. This address was : Chase, Mail XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. 

This whole thing stunk. We've never been asked before by a mortgage company for our SSN after the close. That's just weird. I called the phone number on my actual mortgage statement ( XXXX ) XXXX and Customer Service confirmed this was absolutely NOT from them. I hope other consumers are not fooled by this semi-official looking correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Every month I log on to the Synchrony site ( a credit card setup by XXXX to pay of my XXXX phone ), and I can't access my account. Their site simply does not work. I try three or four times with my card number, SSN and other ids ( birthdate etc. ) and even when everything is right, it can't find my account. Additionally, they offer a call in help line - that also can't find my account ( but offers to at a {$10.00} per call fee ). These people should not be allowed to offer credit to anyone- I will probably pay the amount in full to get away from this company. I can not conscience that a company would make it this hard to pay your bill. Please investigate this horrible company - taking advantage of people who need goods like a cellphone.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: TN

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,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 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi I am a consumer who reached out to Transunion about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Transunion did removed the tradelines from my report on XXXX XXXX I have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Transunion report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Transunion violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Transunion for the suffering and also the fraud that was taking place. Deletion is admission and Transunion never had my written permission to furnish this information. I do not have the account number Transunion has removed the accounts, the accounts were under fed loan, and I will attach an exhibit that I also provided to Transunion I have sent an invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Transunion was reporting 85,376.00 worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Transunion .The accounts that were deleted was 13 fed loan accounts

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 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: LA

Complaint narrative:
Today, XXXX, I receive a credit card in my name, with " netspend All Access '' listed on the front, with a master card logo on the bottom right hand side, issued by XXXX. 
I did not apply for this card, nor did I open an account with XXXX  ( or netspend ). 
The card number begins with XXXX. 
The card was mailed via USPS, and has all the typical documents and information found in a legitimate correspondence from a financial institution. 
I did some research online, and it appears that many people have complained to the XXXX  about the problem. XXXX 's customer service wants personal information in order to investigate. This situation is creating red flags.

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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was a victim of a scam, and my bank ( PNC ) has decided not to reverse the funds for a total of {$1300.00} which was through XXXX I tried going through them first before reaching out to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
I have made numerous attempts to contact Homebridge Financial Services, Inc regarding my escrow refund in the amount of {$2300.00} since XX/XX/XXXX and they refused to send me the refund. Instead they have forged my name on the back of a check that I never cashed and they refused to provide the banking information where check was processed. I have repeatedly spoke to numerous reps that admitted check was not cashed or submitted to my residence. During this process I spoke to several representatives on : XX/XX/XXXX, spoke to XXXX employee # XXXX stated check was mailed to XXXX XXXX XXXX XXXX but was never cashed and she submitted request to reissue check. On XX/XX/XXXX, I spoke to XXXX at extension XXXX, which stated check was never cashed and she completed a form to expedite check to be mailed to my residence in 10 days. On XX/XX/XXXX, I talked to XXXX she stated see previous notations from other representatives in her organization that check was in process to be mailed. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX XXXX through email she stated check was mailed on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX, she verified that the check has not cleared and would like to proceed with it being reissued to my residence. On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX stated she received a call that check was cashed and cleared on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX stated according to your Servicing Accounting Department the check was cashed by XXXX XXXX, a subsidiary of XXXX XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX stated if check was cashed by someone else other than myself, I need to file a police report and submit to Homebridge Financial Services , Inc, so she can complete fraud paperwork. I filed a police report and submitted document to Homebridge Financial Services, Inc office. I am requesting assistant to resolve this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: KY

Complaint narrative:
ON XX/XX/2021 I CONTACTED PAYLIANCE THAT HAS REPORTED 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AS COLLECTIONS WHICH ARE NOT MINE. I HAVE DISPUTED WITH XXXX BUT THEY HAVE YET TO REMOVE FROM MY CREDIT REPORT. I HAVE SENT PAYLIANCE A LETTER AND MY IDENTITY THEFT REPORT OVER 2 MONTHS AGO AND I HAVE YET TO HEAR FROM THEM. THESE FRAUDULENT COLLECTION ACCOUNTS HAVE CAUSED ME SO MUCH GRIEF AND HAVE HINDERED ME FROM OBTAINING CREDIT. THESE FRAUDULENT ACCOUNTS NEED TO BE REMOVED. 
I LOOKED UP THIS COMPANY PAYLIANCE AND THEY HAVE SEVERAL COMPLAINTS WITH THE XXXX FOR ADDING THESE FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
someone stole my identity and opened many accts without my permission or authority.

Company response to consumer: Closed with explanation