vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: TX

Complaint narrative:
For several years, Ive been getting harassed by Enhanced Recovery, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, Enhanced Recovery has reported to XXXX, in which I disputed & provided proof of payment, but XXXX  is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

12. Identity ThefXXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have requested Equifax to correct the account status on two accounts on 4 separate occasions over the past 6 months. They have refused to respond, I have not even received a letter stating an investigation was in process. The accounts listed below have been paid. This is in violation with FCRA, if a debt is paid regardless if it was settlement paid in full or paid in full, it must not report " DEROGATORY '' attached are copies of letters Ive sent and both accounts that are being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2021 I disputed a transaction for {$9.00} with an account I have with Brinks Prepaid card. When I disputed the transaction, I did not know that my account would be blocked and my card canceled even though I DID NOT REPORT IT LOST OR STOLEN. I should have been informed before proceeding to dispute a transaction, that my card would be canceled and my account blocked. There is no verbiage in their website " warning '' customers that their account will be blocked and their card canceled. We should be given a choice " to accept '' or " decline '' this decision BEFORE proceeding to dispute a transaction. 

Note : I disputed the transaction with XXXX because they automatically deducted a fee from my account that I had originally set up with them when I used their services in the previous month. However, I had opted out of the service months ago and they still charged me a fee for the current month.

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 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am a victim of identity theft I did not authorize these accounts need to be removed immediately as they are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: FL

Complaint narrative:
EQUIFAX IS REPORTING ACCOUNTS THAT I DID NOT GIVE THEM PERMISSION TO REPORT, THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15 U.S.C. CODE 1681b - PERMISSABLE PURPOSES OF CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Shellpoint, agreed my account would be properly notated and no issues would arise back in XXXX of 2020. My bankruptcy is over with. They continue to not fix my account. I've filed numerous complaints against them, diech, and greentree. They are continuing to harass my bankruptcy sending him my mortgage information. He has sent numerous letters my bankruptcy is over with to stop sending him my mortgage information and payments. Now it's become mail fraud and violation of court agreements. Between their attorney XXXX XXXX and me. He was also, greentree and Ditechs attorney giving him insider information. Since, Shellpoint can not honor the agreement we agreed upon and their attorney promised I would not have anymore issues out of the. I request they send me my title, payment for emotional distress and anxiety

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Experian isnt reporting certain items as being under dispute. Ive submitted the dispute on XX/XX/2021 and they have not reported these items as under dispute which is grounds for deletion of said accounts. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Ive linked photos to show that some items I disputed are under dispute however the items I linked with the dispute on XX/XX/2021 are not and havent reported as being under dispute.

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 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have had my Sam 's Club Mastercard ( issued by Synchrony Bank ) for over 5 years ( since XXXX ). I have never missed a payment and I have always paid on time. I always pay the balance in full. 

Yesterday ( Fri XX/XX/XXXX ), I looked at my account online and I discovered the company closed my account. I called them and they informed me that it was closed due to my being a " high credit risk. '' The woman was confused because she noted my impeccable payment history. I informed her that a year and a half ago, the pandemic caused my investments to crash, which forced me to settle with my other unsecured creditors, but that did not affect my Synchrony accounts at all. I kept current with every payment. 

In fact, I use the Sam 's Club card so much that I have already accumulated {$730.00} in cash back rewards even though only half the year has passed. When I asked if I will get that, she said no ; it is forfeited. I have a problem with that. How can they unilaterally shut down my account, and refuse to pay the cash back bonus that I have legitimately earned? 

To rectify my complaint, I request these two : ( 1 ) I would like them to reopen my account, or ( 2 ) I would like them to honor the payment of my earned cash back reward bonus.

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 monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed a credit card debt with Experian. Experian replied the creditor provided certified documentation that the belongs to me. I asked for Experian to provide the certified documentation and they do not want to provide this information. 
Thank you

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote three credit bureaus, XXXX, XXXX  and TransUnion. I sent my disputes certified mail. None of these companies have responded.

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote three credit bureaus, XXXX, Equifax and XXXX. I sent my disputes certified mail. None of these companies have responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I am being harassed with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a lXXXX XXXX  and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike XXXX XXXX is trying to claim. Regarding UCB Collections that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. 

UCB Collections : XX/XX/XXXX - Present. 
XXXX XXXX : XX/XX/XXXX - Present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a letter from Wells Fargo stating they would be removing this inaccurate account ( Account Number : XXXX ) from my credit report on XX/XX/XXXX. This inaccurate account is still reporting to my credit as of today XX/XX/XXXX. The fact that they sent me a letter saying they would remove it and didn't was very deceptive under 15 USC 1692j and FDCPA Section 807. On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inaccurate accounts without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. I expect this situation to be remedied by the CFPB using the invoice I attached, I Now suffer from XXXX  because I can't trust these financial institutions.

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 2021-07-03 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:
According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. Experian has reported inquiries on my credit report about alleged attempts from me to request credit from the following companies on the respective dates listed : XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX this year I have 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 I'm 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 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Social Finance, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX credit card department Status Sofi only conducts Soft inquiries when checking rates SOFI CREDIT CARD mislead consumer by conducting hard inquiry on XXXX which resulted in a hard inquiry on file untill XX/XX/XXXX and a reduction of 5 points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is guilty of violating my rights under the Fair Credit Reporting Act, Section 609 They are not reporting all of my accounts despite the vendor 's timely notification. 

They are not accurately reporting my accounts, instead showing incorrect balances. 

There inquiries on my credit report I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I had XXXX  phone service years ago which I cancelled XXXX  kept billing me then charged me late fees on amonts I didnt owe them. This company tried to collect the dept i didnt owe. then put the amount on my credit report {$87.00}. I had this false information removed from my credit report in the year XXXX. In XX/XX/XXXX ENHANCED RECOVERY CO opened a new account for the same amount without ever contacting me and in XX/XX/XXXX put it on my credit report again. 
ENHANCED RECOVERY CO is commiting fraud and a violation of the law. 

Company : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I have no affiliation to this company. This company has called multiple times throughout the day and late into the day. I want to get this removed.

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 2021-07-03 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: NE

Complaint narrative:
A XXXX XXXX XXXX XXXX account that Hasnt been touched in years reported a 90 day late which has hindered my credit. Ive spoke with the creditor and they advised they didnt put this 90 day late on the report. I have pictures below reflecting the notification I received from the bureau and my other credit monitoring services. you can clearly see they added late payments to the account and this is hurting my credit so I am requesting for this to be removed.

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 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lost one of my jobs during co-vid and because of that I wasn't able to pay off my credit card in full. Therefore interest has been collecting. I called many months back and the rep that picked up the phone has promised to waive all my fee 's if I am to pay the card in full, but this isn't something they usually do. 
At the time, I couldn't afford to pay everything in full. I was only working 1 job.

Present day - I'm finally back up on my feet and I have a job that can pay this debt in full. But, I'd like if Chase could waive ALL the interest fee 's. This would really help me get back on my feet, but they told me no. Not only just " no, '' there's no explanation. 

I've been with Chase for over XXXX  years and this is how they treat their customers. My family and I will be pulling out of Chase Banking because this is pathetic if they don't even have any empathy.

Company response to consumer: Closed with monetary relief