vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: MO

Complaint narrative:
After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXXt {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX- {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Coming on the heels of all the other complaints we have filed against this now fully merged XXXX XXXX behemoth, which violates every antitrust rule & regulation known to humanity, now they have apparently " reversed the reversal, '' of the {$5000.00} they stole from my account on a Friday, even though we have more than complied with their incredibly confusing instructions/app via their XXXX app program fiasco for XXXX merchant account number XXXX, which one requires a PhD in chaos math to fully understand. We supplied this XXXX  company with signed retainer agreements, proof that the cardholder entered in their own credit card data themselves, received goods and services and intellectual property and trade secrets in exchange for their partial retainer fee payment, proof that the client accepted all terms and conditions with nearly 30 pages of selected emails ( there's actually 100s ), proof of legal work product, and tons of other material proving that we earned this {$5000.00} & that we should be allowed keep it. The company should rectify this criminal theft of services, or larceny by trick, of this criminal credit card charge back, and give us back our {$5000.00}. Not only that, but these XXXX  have decided to, on their own, accidentally delete the other XXXX account that we created to monitor the merchant services account for XXXX, number XXXX, which the XXXX  at XXXX XXXX  created for us in addition to XXXX, thus confusing us even further.

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 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I have already reported it on several occasions to credit companies. Even with the times that I have submitted it, the company insists on collecting a debt that is not mine, I do not recognize it. I can not submit any evidence because I never had any document to accept that it is mine. That is why I request that it be canceled since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/2021 XXXX located at XXXX XXXX XXXX , XXXX XXXX, PA XXXX, who is a A third party debt collection agency REMOVED the collections account ( Acct # XXXX ) on my XXXX, XXXX  and XXXX  report after I disputed via certified mail and asked for debt validation. I asked them to send the agreement they alleged have with the original creditor that duly authorizes them to collect on behalf of my alleged debt. I asked them to send the agreement reflecting my signature that confirms my acceptance of the obligation. and I asked them to send the complete payment history on the account. They DID NONE of these things. -WHICH IS WHY IT WAS DELETED ONCE ALREADY. ( documents are attached to this complaint ) The response was removed because they COULD not validate my debt nor could they provide proper documentation that supported their allegations. I got a notification that my credit score dropped 4 points due to a new collection account. Well, XXXX/XXXX  decided to report this account AGAIN. This has caused so much damage to my credit report after I properly went about disputing the information and they failed to provided proper information in return. Lets not forget that they have been in violation of many of my consumer rights that are backed by laws and continue to do so, by " choosing '' to furnish inaccurate collection account information on my consumer report that I did not give permission to report pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ). They may not know but I am well aware that a consumer as the right to privacy and can ELECT to have his/ her name, address, and any other information excluded from a consumer report : 15 usc 1681 ( c ) ( 1b ) ( iii ).

Secondly, I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and have simply been in violation of my consumer rights pursuant to FDCPA, and 15 usc 1692 ( a ), 15 usc 1681 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX  XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX  XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX  XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX  XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attach with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service. If they fail to delete it from my credit report then I will report Transunion to the XXXX XXXX XXXX, file a complaint against them with my state Attorney General and also take legal action as necessary to get the matter fixed.

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KEYCORP
State: FL

Complaint narrative:
I have a Keybank account and 3 XXXX accounts that were originally managed by XXXX, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and Keybank/XXXX  directly. Keybank and XXXX is trying to say that my account first went delinquent in XX/XX/XXXX. XXXX  originally had these accounts and sent it to Keybank and XXXX in XX/XX/XXXX because it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. Keybank/XXXX  is refusing to remove it. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OR

Complaint narrative:
About a year ago I was offered via regular mail a VISA card through XXXX XXXX that would be XXXX interest for the first 18 months. It sounded like a good deal and I took advantage of it. 

Earlier this year, US Bank bought XXXX XXXX 's XXXX contracts. It was to be a seamless transition. I assumed that all offers made by XXXX XXXX would be honored. Not so. 

XXXX XXXX sold my contract to US Bank representing it as earning 14.99 % which it was not, at least not at that time and would not be earning interest until sometime around the first few months of 2022. 

After receiving two bills adding interest to my account XXXX to the tune of some $ XXXX XXXX, I contacted US Bank customer service to find out what was going on. I should not have been charged interest for several more months. The hapless representative who went by the name of 'Amythyst ' was unable to access any of my account information prior to the US Bank acquisition in XXXX of this year, I believe it was. XXXX XXXX only said this account was earning 14.99 %. She had the authority only to lower that by two percentage points even after checking with their contracts department who could offer no additional light on this. Neither did they have any contact information for XXXX XXXX. 

It appears that I am left holding the bag on this. I suspect that I am not the only former XXXX XXXX XXXX holder who is now, and in breach of contract being charged interest with no immediate remedy available. 

I suspect, and this is only my opinion, that there are some shenanigans going on behind the scene here. Did XXXX XXXX 'fatten ' the deal to XXXX Bank XXXX new accounts acquired through their generous no interest offer and then represent them as earning 14.99 % in the sale of those contracts to the bank? Stranger things have happened and I wonder. 

What recourse do I have at this point? This has put me in a bit of a financial bind. 

Thank you for taking time for this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon 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 2021-08-01 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: MO

Complaint narrative:
After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX  XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX  XXXX  XXXX  {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}

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 2021-08-01 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: GA

Complaint narrative:
I have communicated on several instances with the Equifax bureau. I have sent disputes on two different occasions. These are the confirmation numbers that I received once my documents were received. Confirmation : XXXX, XXXX, XXXX, XXXXXXXX XX/XX/XXXX-XX/XX/XXXX These are to remove addresses and credit inquiries. 

I was asked to call the companies that placed these inquiries on my report and I refused to because that is not what I am suppose to but I did this last time. I was told by the representative from XXXX that the Bureau is suppose to investigate and remove if they cant verify the inquiry. She looked in her data base and found nothing, which was strange because I am asking her something that I did not do. 

I spoke with regular employees and a supervisor of the fraud department [ 3 to 5 times ] and they all take me through their security screen. I have gotten through most times but for some reason my answers were not sufficient with their supervisor on my last attempt. 

I feel I have done everything the right way and they have not. As I have told them and will continue to say, those are mot my inquiries and I want them removed from my report completely. I sent in a police report which they requested as well. 

As a consumer, I feel as though this credit bureau is treating me unfairly and damaging myself on a personal level. If I apply for a product and my Equifax report is pulled my I will not be represented accurately. 

Please assist me with this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
This account showed up on my credit reports and I am unaware of this what this is. To my knowledge, I was not notified of this debt ahead of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This company is reporting false information to all 3 credit Bureaus every month, significantly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We cancelled the contract as we never took delivery of the piano. The company XXXX XXXX now owned by Synchrony Bank did not cancel the contract when notified by the vendor XXXX XXXX for three weeks. This is also after I spoke with a customer service rep and told them I did not take delivery and to cancel my payments. I cancelled the aagrement in the end of XXXX after making the XXXX payment. I was told that since I had a an autmatic payment they had to take the payment in XXXX as well. Then after accepting the cancelled contact they as if today have not sent me a check for the payments we made before and after the cancellation which they continued to take. I have repeatedly asked to speak to a supervisor, and no one has ever called back. I am told they mailed a check from XXXX XXXX on XXXX and it should take up to three weeks for it to be received in XXXX XXXX. It is over three weeks I have not received my money back, and have had zero communication from anyone in authority. 

UPDATE - Last night ireceived the check which was drawn on XX/XX/XXXX as I was informed but the postmark on the envelope shows the check was mailed XX/XX/XXXX. they delibetrately held the check for over three weeks before sending it to me.

I am fortruantely in a position where the money was not needed, but I am writing this specifically that they should be sanctioned or otherwise investigated as this is obviously a policy of the banks. As I was repeatedly told it takes up to three weeks from when it is mailed to arrive. They have conditioned their customer wservice people to use this line over and over as I have heard it for the last three weeks on numerous occasion.

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Signed up with Freedom Debt Relief through XXXX. They made alot of promises about ease of paying off debt. Very misleading about fees. They claim that they told me about 22 % fees ( which I never would have agreed to ). After 16 months I noticed they had taken over {$17000.00} from me and, after looking into it, discovered they had paid less than {$7000.00} to my creditors. When looking at their website ( my client dashboard ) they use very deceptive tactics to show how you're making progress on your debts. Once I discovered that they had " stolen '' over $ XXXX from me they had me speak to several people that were well trained at covering up the numbers. When I cancelled and told them I would no longer let them steal another dime from me, I had {$770.00} left in my " dedicated account '' that was supposed to be returned to me. Interestingly enough, they all of a sudden came up with more " fees '' that came to exactly the money left in my account!! So as if it wasn't bad enough that they had already taken {$10000.00} from me ( none of which went to my creditors ), they took my last {$770.00} as well!! This company has got to be stopped!! I see that they had previously lost a class action suit in XXXX  ... not sure how or why this company is allowed to continue stealing from people who can least afford it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of Identity theft. The Discover Credit Card on my credit report is not my account and should be removed from all reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
This is my second complaint. My first complaint has still not been addressed but the complaint was closed. Freedom Mortgage has failed to communicate consistently and correctly involving my covid 19 forbearance. I still have not heard back from their representative that was following up after my first complaint. She said she was going to call me back and never has. Valuable time is being wasted. Today XXXX, I emailed XXXX XXXX that I have not heard back from someone and need someone to call me to help exit forbearance. She emailed back saying she has cancelled my request for a Covid 19 forbearance extension, I did not ask her to do that and do not want that! I need to work with somebody from their team that can consistently work with me and help me find a way to come out of forbearance that does not affect my chances of refinancing in the future and does not cost me more money in the long run had I never gone on forbearance. I do understand my 6 months of missed payments and they interest it would have accrued needs to be paid. I am uncomfortable with making any changes that will have me paying more than that in the long run. I can afford my current monthly payments and have been paying again since XXXX. They have given me a new XXXX XXXX but I can not reach her at her extension, the call just hangs up. I need COVID 19 forbearance protection still until we can come to an agreement on exiting forbearance that meets the qualifications above, which is what I was told before going on forbearance by Freedom Mortgage and the only way I was comfortable going on forbearance.

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 2021-08-01 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: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to the credit reporting agencies. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: NY

Complaint narrative:
Through checking my credit report/score, I saw that there was a collection notice submitted by Sequium.com on behalf of XXXX XXXX XXXX XXXX. It was for an a phone bill that was overdue. The account was opened in GA and I live in XXXX. I never traveled to GA and I am already a good customer with XXXX XXXX XXXX in a very good standing. 

I tried contacting Sequium.com through phone and email to dispute my debt but I could not get in touch with them and did not get an email back. I called XXXX XXXX XXXX and put in a dispute. I have not heard from them yet. 

I have disputed this with all credit bureaus and both XXXX  and XXXX  removed this collection from my notice. XXXX  claims that the debt is mine but did not provide me with additional information. I have called XXXX  and they told me to gain contact XXXX XXXX XXXX and file another dispute. 

I am not sure how this happened but it is a lot of work to remove a fraudenlet activity espcially when XXXX  is not cooperating very much with me even though the other bureaus were quick to remove this collection from my account and restore my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation