vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX  XXXX {$4300.00} XXXX   XXXX XXXX {$1800.00} XXXX XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Global Lending Services LLC
State: TX

Complaint narrative:
I received a letter in the mail from this company stating that I was denied for credit. I never applied for credit with this company. I mailed them requesting documentation proving that I did. The mail was returned. 

I disputed with the credit reporting agency and I received a letter from the company stating that it was in connection with an application for credit. I asked to receive that document with my original wet signature. I received nothing from them. This is against the credit reporting acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
1. I made international money transfer transaction through https : //www.remitly.com/ 2. There was an error in Account number which did not match the recipient name. 
3. The recipient bank rejected the transaction & sent confirmation to recipient that the transaction was rejected. ( {$500.00} ) 4. Remitly showed transaction was completed. While recipient never got the money. 
5. Contacted customer care the voice service is just a Voice message box. 
6. chatted with customer service online. They said money is delivered correctly to recipient. 
7. After providing them all evidence that recipient bank rejected the transaction and no money was delivered. 
8. They told me their system ( remitly ) shows they have refunded me the money. 
9. I shared my bank statement, showing nothing was refunded to my bank. 
10. Since then they have blocked me from contacting customer service, not sure even if its legal to block a customer from contacting customer service. 
11. can't do anything, feel helpless 12. TERRIBLE CUSTOMER SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I waas first contacted by FirstPoint Resources via phone in XX/XX/XXXX. They told me it was an attempt to collect a debt for XXXX XXXX. I asked what it was in reference to and they said a ( XXXX  XXXX ). I have never had a XXXX done so i asked they provide supporting documentation of what they were referring to. 
On XXXX - they sent me a secure message with a ledger from XXXX XXXX showing my name as the patient for a XXXX   XXXX XXXX on XX/XX/XXXX. 
Again, I have never had a XXXX  XXXX  so I contacted XXXX XXXX and they stated that they did generate the ledge but would not know any more and I would need to contact the hospital who would be responsible for any billing. I have no idea who to contact or how my name is listed as Patient. My main concern is having any damage to my credit, but also that this agency is trying to collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX  XXXX {$4300.00} XXXX  XXXX XXXX {$1800.00} XXXX  XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX   XXXX {$4300.00} XXXX  XXXX XXXX {$1800.00} XXXX  XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I received several collection calls from sallie mae regarding the debt owed from the private loans. The time frame was from XXXX. They would call me XXXX times a day asking me to pay back the loan. I would say I did not have the money and they would tell me to ask my parents. I tried to plead hardship because I was dealing with mental health issues and they would just persist even until I cried. I asked them if we could do a payment plan and all they would offer is a forbearance. And the condition was always to pay XXXX or more. They did not explain in detail what it was just that it would hold my position of loan as current. I was not making enough to support myself let alone pay a loan. I had to change my phone number several times. They would call me and every time just make me feel bad for not having it. Then it was sold to navient and from XXXX they attempted to collect by sending several letters and even emailing me in XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I have tried calling the company that I owe my debt to and they were rude and hung up on me on several occasions. I am trying to pay my debt off because I am wanting to make a home purchase, but I am unable to since they are not wanting to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: NV

Complaint narrative:
The last representative from this debt collection office referred to me as " him and his '' in her response to you, consumer finance. If she did her investigation properly she would know that I am a woman and not a man. These representatives keep stating they welcome me to call but when I do, they do not try to work out an arrangement to get this settled. I was in a payment arrangement and due to me being on XXXX, my income is very limited. I had ONE payment that did not go through because I did not get paid from California XXXX. I had to have my XXXX  send in the necessary paperwork to extend my XXXX due to that I am XXXX XXXX XXXX XXXX. That took about a month ... XX/XX/2019, before I started receiving money again. I told the debt collection representative that I would call and get the payments back on schedule once I get paid. However, they turned my account into the 3 credit bureaus without giving me any warning or chances to keep this from happening. The did this XX/XX/2019. They hastily did this to damage my credit and force me to pay an amount I do not owe. Every representative that has responded, their statements are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
WAKEFIELD HAS BEEN HARASSING ME FOR 2 MONTHS NOW FOR THE COLLECTION THAT IS NOT MINE, AND FAILED TO VALIDATE OR PROVIDE DETAILS ON IT. I BELIEVE THAT THIS IS A SCAM BECAUSE I HAVE MONTHS RECEIVING LETTERS ABOUT THE AMOUNT I OWE AND EVERY MONTH THAT I GOT A NEW LETTER TEH BALANCE WAS ALWAYS DIFFERENT.. I GOT NUMEROUS AMOUNT OF LETTERS AND CALLS THEY STARTED FROM REDICULOUS AMOUNT AND KEEP DECREASING AS TIME WENT BY, AND I HEARD ON THE NEWS ABOUT THE COLLECTION LETTERS SCAMS ... ONCE IT CAME ON MY CREDIT REPORT IS WHEN I TOOK ACTION BECAUSE MY INSURANCE PAYED THE MEDICAL EXPENSES AND I ONLY PAYED WAS LESS THE AMOUNT OF XXXX DOLLS THAT I WAS DUE FROM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my 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 2020-05-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry

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 2020-05-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my 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 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2020 I went to use my checking account and noticed the funds were not available in either account ; XXXX & XXXX I called the main office of TD Bank and was on hold for 45 minutes so I got in the car and drove to the branch. I spoke to the branch manager in XXXX, Massachusetts and she did not know why my funds were frozen but she would email the proper dept. and get back to me on Monday. On XX/XX/2020. I received a call from XXXX ( no last name given ) on Monday and returned her call the following day. She said my account was frozen but could give me a reason. I asked her for a letter or some notice so I could investigate the situation and she could not provide me with one and left it at that. This was a Department of United States Treasury  Check and according to 15 USC 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. American Citizens have rights according to 26 USC 6332 if there was a problem with my check I would have been given Civilian Due Process and 90 Days to correct any mistakes but because this was straight out theft of my funds I was denied any civilian due process. Also According to 15 USC 2 Every person who shall monopolize, or attempt to monopolize, or combine or conspire with any other person or persons, to monopolize any part of the trade or commerce among the several States, or with foreign nations, shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. This was Theft, Unauthorized Transaction, Consumer Fraud, Restraint of Trade, The bank also used my exemption and according to the FDCPA all of the above is UNLAWFUL. Also in the event that a 3rd party debt collector has requested the funds out of the account I am prepared to file a suit against the bank under these United States Codes that are here to protect Americans. I request that my funds be put back or released into my account immediately TD Bank has a fiduciary duty to all citizens to follow the law as stated by Attorney General XXXX XXXX notice to all last week! I expect the funds to be returned immediately.

Company response to consumer: Closed with explanation