vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I tried many times to resolve the issue with the company. The account was opened fraudulently. I tried to have it close and removed from my credit report the moment I found out about it. This company keeps reporting and updating it after I had reported that my personal information was compromised in my own home by my roommate! They don't care. They just want me to pay a debt that I don't owe! I noticed on the information they sent me, shortly after the account was opened the transaction history was unbelievable. There was a charges made repeatedly same day and week and the account was abandoned. Looking at the transactions should already show it was fraudulent. Thanks to this company, I can't take out a personal loan to help with my medical bill that I had a procedure done to prevent me from going XXXX! This company is the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: VA

Complaint narrative:
I have been trying to dispute 2 fraudulent accounts on my credit report for over a year now with Equifax and they still refuse to validate or delete these accounts. I did not open these accounts and they do not belong to me, therefore i am not liable for this debt. 
The account names are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
my initial credit limit was {$500.00}. I've never paid late or had any missed payments or went over my credit limit. The company DECREASED my credit limit down to {$100.00} on XX/XX/22. this affected my credit score because my balance was around {$80.00} at the time which made it look like i was close to maxing out my credit limit. it significantly dropped my credit score and usage amount due to the decreased credit limit. I submitted a verbal request for an increase and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wellsfargo Bank has violated my rights as a consumer that are protected under 15 U.S. Code 1605. WELLSFARGO has mishandled my mortgage debt and has failed me as the servicer of my loan. WELLSFARGO failed to disclose any additional finance charges and escrow amounts within my loan modification. I have been misinformed about all charges and total amount owed on my mortgage. WELLSFARGO has allowed HUD to place an unfounded lien on my property at XXXX XXXX XXXX, XXXX XXXX MS XXXX. In doing so I am being robbed of my earned equity in my property. WELLSFARGO has already been found guilty in the past and present of having unlawful practices in regards to their minority consumers. WELLSFARGO alleges that I owe an additional {$56000.00} to HUD whom I haven't signed any nor entered into any credit transactions with, and also state in my most recent pay off letter that I owe WELLSFARGO {$170000.00} as the final payment to clear the title of all claims by them as my loan servicer. The original credit transaction made 12 years ago was in the amount of {$190000.00}. There is no way possible that I as the consumer owe {$230000.00} as of today. Pursuant 18 usc 8 I owe no debts and the title to XXXX XXXX XXXX, XXXX XXXX MS XXXX is mine free and clear.

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 2022-03-20 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Someone in the State of New York applied for a credit account through Synchrony Financial. I have contacted Synchrony on XXXX different occasions and verified this was fraudulent activity. Each time I was told it would be handled and the hard inquiry on my credit report would be removed. 

I live Arizona, and it was clear to see the name and address used to open the account was not me. They have still not removed the inquiry and I have never received any follow up correspondence, even though they said I would receive a letter. They didnt even have a record of the first time I called and made the dispute with them when I called the second time. They are not interested in protecting consumers from fraud it would seem.

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My initial credit limit was {$2000.00}. I never missed any payments or paid late or went over my credit limit. When my balance was around {$1500.00}, they decreased my credit limit to {$1600.00} which made it look like i was close to maxing out my credit limit. This significantly affected and lowered my credit score and my usage limits.

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 2022-03-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
This is a follow-up to complaint already issued - XXXX. Was not sure how to update on original complaint. 

Wakefield sent a letter simply stating the debt was owed to XXXX XXXX XXXX XXXX. They did not provide any detail of the debt - services rendered- or any explanation. 

XXXX  account does not show any debt owed. 

On XX/XX/22 at XXXX XXXX. called XXXX XXXXXXXX XXXX  and after conversation was told that " it appears to be an issue with the currenty payment plan. They have had some other issues with bills on the payment plan dropping out of the system and automatically going to collections. '' This is an abuse of XXXX XXXX XXXX. I am on a payment plan and because their system messed up - my debt ( which was on a payment plan ) automatically goes to collections. They said this has happened on several accounts for different people. 

XXXX should be sanctioned for their poor accounting and for sending debt to a collector that is not a debt. 

How am I as a consumer protected from this? CFPB has the responsibility to protect us - what will you do about this? I had to take my time to go to post office and send registered mail to Wakefield to get explanation of the debt - WHICH THEY DID NOT PROVIDE - and go through the time and energy to refute a debt that was NOT A DEBT for collection agency. 

Thank you for taking the steps to ensure XXXX does not abuse their power and hurt the citizens you are supposed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: KS

Complaint narrative:
Someone hacked into all 3 credit bureaus. Changed all contact information and applied for credit up to 13 times under hard inquiries. XXXX and XXXX XXXX corrected on phone call. Equifax needs a Presidential Signature to correct. Want me to fill out here, or make a police report. 
Address that is not mine XXXX XXXX XXXX ; XXXX XXXX, FL XXXX XX/XX/XXXX Hard Inquiries that are not me. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  ; XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-20 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: PA

Complaint narrative:
I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX XXXX. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a retired man living on a fixed income. On XX/XX/2021 at XXXX ( EST ) my entire savings, totaling {$34000.00}, was stolen through a series of online banking transactions in a matter of minutes. Someone hacked my account. 

I had {$7300.00} in my Citibank checking account and {$30000.00} in my Citibank savings account. Someone hacked into my checking account and made a XXXX transaction for {$2500.00}. The individual then immediately transferred it into my savings account. Then the individual used a wire transfer of the entire {$34000.00} savings account balance to another bank. 

I have attempted to have Citibank reverse the transactions including this {$34000.00} fraudulent wire transfer for several months now with no success to speak of yet.

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 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
We paid off a mortgage held by SunTrust Bank on XX/XX/2022. By letter dated XX/XX/2022 SunTrust acknowledged it owed us return of a mortgage escrow. SunTrust merged with Truist at some point in XXXX and has yet to ( as of XX/XX/2022 ) refund the mortgage escrow balance of {$8000.00}. We have tried repeatedly to reach them to discuss but have been unable to reach anyone to help even after waiting on the phone for multiple hours. I understand under 12 CFR 1024.34 the bank is required by federal law to refund the escrow balance in 20 business days, which time period has passed. I need help getting Truist to refund this escrow balance as they appear unable and unwilling to respond to their customers directly.

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 2022-03-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I signed up for the chase freedom credit card, that comes with a promotional offer of {$200.00} if {$500.00} is spent within the first 90 days.

https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited I have spent over 500 $ in the first 90 days, and chase is refusing to give me my XXXX $ credit. 

I believe that chase is misleading new customers, and i am sure that i am not the only person with this complaint about this offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 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: PA

Complaint narrative:
I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX bank. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: MS

Complaint narrative:
FEDLOANS are illegally reporting negative payment history to the three nationally recognized consumer reporting agencies XXXX, XXXX, and XXXX. By doing so my consumer rights are being violated and pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) and 15 USC 1681a ( e ). The late payments were never supposed to be reported. Pursuant 15 USC 1681b ( 2 ) I do not give consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation