vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Firstly, let me thank you for the hard work of your team at the CFPB. Your agency does an outstanding work and we appreciate your efforts on behalf of the XXXX people. 
Our family was interested in refinancing a family property in XXXX, Michigan. My wife XXXX visited a branch of XXXX XXXX XXXX XXXX in XXXX to inquire on this matter and was placed in touch with XXXX in their Mortgage department. XXXX sent me the contact information for XXXX, and I attempted to reach her to discuss this possible refi. XXXX did provide XXXX with my personal information as well, including my social security number. I attempted to contact XXXX three ( 3 ) times via telephone, however none of my calls were returned. You could imagine my surprise when I received a credit alert that a hard inquiry was placed through Experian. 
The Fair Credit Reporting Act XXXX FCRA XXXX has a strict limit on who can check your credit and under what circumstance. I did not authorize this inquiry. In fact, I have never spoken with XXXX nor any other representative of XXXX XXXX XXXX XXXX. Im extremely disappointed with the conduct of their team and already requested remediation on this matter. 
Id appreciate your team document this activity and investigate as you see fit.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely XXXX information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I .C. System states on my XXXX  report that I owe {$330.00}, but when I disputed the pet insurance XXXX XXXX XXXX XXXX XXXX debt collection report through XXXX XXXX, it was immediately removed. I contacted the company directly about removing it since it was removed on XXXX XXXX. I explained with deep concern how much COVID-19 has affected my life, how I do not have the finances to pay it off, and there was no compassion from the woman on the phone. She said she will forward my request and I never heard a follow-up about it. I want this removed on my XXXX  account.

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 2021-05-14 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: MI

Complaint narrative:
I got into an altercation with my room mate and I move out. And accident left my expired personal information in a drawer and did not take it with me. And my room mate or some one at that address has been trying to order all kinds of things online and now I have a bunch on inquiries for accounts which I do not have if you look at the inquiries there all online actions no in person applications I also filed an FTC affidavit

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 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 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: VA

Complaint narrative:
having my information taking by some and them using it to demolish my good name credit report is a problem i have been trying to fix and i am hoping submitting this report will help to removed and prevent my identity to never be stolen and for someone to be able use it again.. please help by removing those bad debt of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime bank closed my account after suspending it for No reason what so ever, I provided them with all documents they requested but after they saw I put a complaint in with Americans with XXXX, upon closing my account in they never sent me a check, no answer on any emails I send and I ask nicely in every Emaik about my funds and explained that is my rent money that theyve held no for 2 weeks and my landlord wants to evict me. I have all the emails and conversations I am disgusted that this is how they treat a loyal customer of 4 years for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I had a medical bill from a car accident on XX/XX/XXXX. The debt was apart of an accident settlement and was paid by my attorney XXXX XXXX on XX/XX/XXXX in the sum of {$500.00} directly to XXXX care. Check # XXXX. The original debt was XXXX. Transworld systems is still attempting to collect the debt and reported it to credit bureaus. I spoke to them and gave them all the vital information and they still will not remove the negative item. They violated my HIPAA rights and the rights of me being represented by an attorney. I have the written proof that the debt was paid and they were repeatedly told that it was apart of a settlement and to stop calling me because I was represented by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have called XXXX numerous times from XX/XX/XXXX till present and are told that I am unable to set up a payment plan and that it is in the legal department and to call XXXX. Every single time that I ask to see if I can pay and I ask for a letter to be sent by mail stating that this debt is satisfies or my payment was received I am told that they are not able to provide me with such letter. I was deeply affected by the pandemic and was without a job from XXXX XXXX up until around XX/XX/XXXX. The interest rates are unfairly and incredibly high and I would like to file a complaint.

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 2021-05-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the 2020 year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the Navient company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by Navient. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Navient has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX # XXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2019 I opened an account with Gemini. An app to buy and sell Crypto Currency. I wanted to buy some because it was all the rage. I deposited {$40.00} on that day. When I tried to withdraw the money it said I needed to verify my identity first. I sent the info and picture of my ID on XX/XX/2019. It then said " Pending Verification ''. And has said Pending since then. Since 2019 the {$40.00} Investment turned into {$200.00} and I still can not withdraw because it still says " Pending Verification. '' I am so angry and feel some kind of fraud is going on and have thought about talking to a lawyer about this. I have sent at least 10 emails and complaint to them but they have not responded even once. This is madness. This has happened to many people! I checked on XXXX and this is so common it now feels like a money laundering scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
I have communicated with the credit bureaus on several occasions about the 14 fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

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 2021-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello I am reaching out to you guys cause Ive sent numerous disputes in regards to a few late payments on my credit report for capital one. Ive disputed it with both creditor and XXXX. Neither one wants to correct the issue after capital one removed from the other Credit bureaus XXXX and XXXX. Please can someone help me and get it fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The name of my only checking account card that I have had for DECADES changed a few years ago and that was interpreted as a change in credit thus saying I had a relatively SHORT credit history!

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 2021-05-14 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: MI

Complaint narrative:
The name of my only checking account card that I have had for DECADES changed a few years ago and that was interpreted as a change in credit thus saying I had a relatively SHORT credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
About two months ago SWBC sent me correspondence saying I needed to pay an escrow shortage to my account in the amount of c. {$750.00} if I didn't want my monthly payment to increase, and that I could log into my account and pay it online. I logged in and filled out the fields to pay it in full. However, SWBCs website interface instead charged me a full second mortgage + the monthly overage I had been paying PLUS the escrow overage. I have called four times now to get them to apply the overage I signed up for for the escrow and, going forward, to stop adding overage payments to my monthly accounts -- to return them to the minimum/basic payments. I have called and been on hold for over an hour multiple times and explained this issue to four separate customer service reps who all apologize and say they have fixed the issue. All are incompetent. I just logged on to my account and see it is STILL on track to be charging me the overage ( {$2000.00} ) in XXXX instead of the base rate that I have repeatedly requested ( {$1700.00} ) and I am unable to adjust this online. I also can not see where I was credited the additional escrow I paid in XXXX. The system is completely broken and there is no recourse to correct it. I have wasted hours of my time trying to fix this and nothing has worked. SWBC is negligent, incompetent, grossly inept and criminal in this level of willful dysfunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: U.S. BANCORP
State: GA

Complaint narrative:
I have a inquiry from a place called XXXX XXXX which I have no knowledge of. It was placed in XX/XX/2021 without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
midland credit management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX is constantly bugging me repeatedly on credit card debt been informed that i am XXXX had XXXX on government XXXX can not pay files previous complaints about this on XXXX  they refuse to stop collections i will sue myself if nothing done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX services added to my credit report and I have no knowledge of either account and its hurting my score bad. I have been fighting them both for a while and letting the companies know that i have no knowledge of these accounts. Also have filed with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: OH

Complaint narrative:
Hard inquiry on my credit file from XXXX XXXX on XX/XX/2021. 
I do not recognize this company and never dealt with such a name. 
They have an address of XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I called the phone number, someone answered and said He is not affiliated with this company and has nothing to do with such a name and asked me to report the incident as a scam.

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 2021-05-14 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation