vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI

Complaint narrative:
Please be advised that I, XXXX XXXX, represents the interest of the Estate of the enclosed named private man and consumer ( Natural Person ). This writing constitutes notice to you SECOND ROUND LLC of the undersigned 's claim against you and demand for damages pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) and 15 USC 1692k ( a  ) ( 2 ) ( A ) respectively. 
The facts giving rise to this claim are as follows : Count 1 SECOND ROUND LLC is a debt collector who has regularly furnished adverse/negative information about this consumer to one or more consumer reporting agencies ( third persons ) and therefore is subject to the FCRA SECOND ROUND LLC is obligated to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a  consumer reporting agency. 
SECOND ROUND LLC furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
SECOND ROUND LLC has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from SECOND ROUND LLC and the time allotted for doing so has since expired.

SECOND ROUND LLC has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section. 

COUNT2 SECOND ROUND LLC is a debt collector as defined within the Fair Debt Collection Practices Act ( hereinafter FDCPA ) ( see 15 U.S.C 1692 a ( 2 ) SECOND ROUND LLC is subject to regulation and liability under the FDCPA SECOND ROUND LLC is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
SECOND ROUND LLC has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
SECOND ROUND LLC has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX  and XXXX. 
SECOND ROUND LLC has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ) These are just to name 2 violations. Second Round LP is guilty of many  more FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo home mortgage has forced insurance and escrow multiple times claiming they dont have proof of insurance. Every department Im sent to has a different story. I paid a large sum inXX/XX/2018  to get out of foreclosure and Wells Fargo owes me {$1900.00} for overpayment. They have done the same thing again however acknowledging my insurance but will not adjust my payments and are holding an additional {$2100.00} overage in escrow. They are threatening foreclosure and sent a refund check of over {$800.00} for misappropriated funds.

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 2019-06-01 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as One Main XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have attempted to resolve this issue through citibank to no avail. Therefore, as a final resort before giving up completely I was told to file my complain here in hopes of a resolution and in an effort to prevent someone else from having to deal with this. 

I opened an account on or near XX/XX/XXXX because Citibank was offering a [ up to ] {$500.00} cash bonus for consumers who opened an account, maintained {$15000.00} in combined balances [ checking and savings ] as well as received direct deposit for a period of 60 consecutive days. According to the terms and conditions in the advertisement, the bonus was to be deposited no later than 90 days following having met all requirements for the offer. My combined account balance of {$15000.00} has been maintained since XX/XX/XXXX, and received bi-monthly direct deposits in the amount of {$200.00} from XX/XX/XXXX through XX/XX/XXXX. 

Since then I have escalated this issue through citibank and have received letter correspondance stating that i did indeed meet all requirements, however, have yet to receive the bonus. The 90 days elapsed on XX/XX/XXXX from the time I satisfied all their requirements. Each time i have contacted their customer service department, the story has remained the same, " we're not sure why, all we can do is escalate. '' I will attach photos of both the advertisement and letter correspondance received from citibank to my complaint. 

Thank you for helping me with this issue.

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 2019-06-02 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/2019 received an alert from XXXX via XXXX XXXX there was an inquiry on my report from " syncbpaypal ''. I checked XXXX and there had been an inquiry listed XX/XX/2019. I have made no such request. I tried contacting the number listed for PayPal ( XXXX ). In order to get connected enter acct nor or phone nor. It didn't recognize phone and I don't have acct nor. I then established an account via the web site in order to speak to someone. The only way was through the chat, only information I passed was my name. However they were unable to help. Although this may not help now but I did place a fraud alert on my credit report via XXXX which I understand will be passed to the other two reporting agencies. Please advise.

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 2019-06-02 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: VA

Complaint narrative:
I have made several attempts to rectify this situation. I have disputed with the credit reporting agency and the creditors. I have contacted the credit reporting agency by phone and I have sent disputed letters to the creditor on XX/XX/2019 and on XX/XX/2019. The Creditor reports that I have a past due balance of {$3700.00} as of XX/XX/2019. The account is listed as Collection/Chargeoff on my credit report. There can not be a past due balance if the account was settled and charged off. The {$3700.00} is being reported as 64 % of my credit usage. That can not be accurate if the account is closed, settled and a charge off. I have also contacted the creditor asking for documents or a contract bearing my signature for verification that the account belongs to me and have yet to receive that. They have only sent me copies of a billing statement from an address I have never resided. The creditor also made a hard inquiry on my credit report without my authorization on XX/XX/2019. I did not apply for credit with their agency and do not have an account with them therefore they had no right to pull 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 2019-06-02 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: GA

Complaint narrative:
I have been a severe victim of identity theft, from taxes being file in my name to fraudulent accounts displaying currently on my credit file. I have taking the liberty to file identity theft report and sent to Equifax Credit Reporting Agency. I was told by Supervisor in the Fraud Department with Equifax. Mr. XXXX in Nevada location. I can have the items in question blocked/Deleted from my file by completing a FTC identity report and sending it to Equifax. Well on XX/XX/2019, I sent the requested theft report and the accounts in question is still showing on my report as of XX/XX/2019. I faxed the document to Equifax using the fax number Mr. XXXX in Nevada location at XXXX. He stated that it will take 5 to 7 days after I send it to be updated in there systems. It has been over a month and the following accounts listed is still showing on my credit file. I am reaching out o CFPB in order to get this urgent matter resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: SC

Complaint narrative:
I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. Equifax in XXXX, SC tax payers breach in XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Equifax explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the XXXX and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted several disputes to the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. My issue is that I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX on XX/XX/2019. Yet, Equifax has sent me a letter on XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I am demanding that Equifax remove this Bankruptcy immediately from my credit report, not just saying they verified with XXXX or XXXX, as I have tangible evidence that contradicts what they are telling me. 

Actions like this is the reasons why consumers do not trust credit reporting agencies, as they do not verify items, they merely parrot XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My Macy 's in store credit card was switched in XXXX to a use anywhere Macy 's XXXX XXXX card without my permission. My payment is set-up on auto-pay for the XXXX of each month. When Macy 's made the switch to XXXX XXXX, the payment date was changed to the XXXX of each month. I was also on paperless bill and must have missed the announcement. Macy 's charged me a {$27.00} late fee ( refunded ), but many others may miss this unfair charge and pay it! Resulting in thousands of dollars of profit for Macy 's and/or 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 2019-06-02 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: NY

Complaint narrative:
I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!

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 2019-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I deposited a check for a very large sum of money at the Valley National Bank in XXXX, New Jersy and asked when the chech will clear! I was repeatedly told the bank does not know! So I want to the Valley National Bank in XXXX, New Jersy and asked the same question. Again over and over the bank said it did not know! Not acceptable! Of course, the bank, any bank, should know when a check will clear! This is banking 101! I was thus caused considerable inconvenience and uncertainty! Outrageous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: NY

Complaint narrative:
I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!

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 2019-06-02 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: NY

Complaint narrative:
I am a victim of 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 2019-06-02 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: CA

Complaint narrative:
On XX/XX/2019 I went to the XXXX XXXX XXXX to buy my mother a car. When I picked a vehicle, the sales person drove me to XXXX where I got a cashiers check for the total amount of the vehicle - {$14000.00}. I never signed any authorization for the dealership to run my credit. I explicitly told the sales manager & the sales rep that I did not give them permission to run a credit check, since I was paying for the vehicle in full. I provided them my social security # for IRS reporting purposes, since the amount was over {$10000.00}. Again, I DID NOT sign anything authorizing them to run my credit, and explicitly denied them permission to run my credit. 

The dealership ran a credit check anyway, without any valid authorization from me. The sales manager told me that this was standard process. When I became upset, the sales manager asked me to sign an authorization retroactively. I refused to sign, and cancelled the entire sale. I now have a fraudulent credit inquiry on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Investigative Concepts, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ID THEFT VICTIM HAS WRONG INFORMATION ABOUT ME

Company response to consumer: Untimely response
Consumer complaint received 2019-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of 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 non-monetary relief
Consumer complaint received 2019-06-02 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
FTC violation inaccurate information showing on credit violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-06-02 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: MD

Complaint narrative:
on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from Equifax, XXXX, and XXXX and I noticed multiple auto loan inquiries across all 3 Bureaus that were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.

Company response to consumer: Closed with explanation