vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my XXXX account should be frozen. 

I am attaching screen shots of my XXXX  and XXXX report. Per XXXX you will see if is showing 2 hard inquiries. Per XXXX  you will see 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and Equifax to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! Lazy, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but screw up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, My name is XXXX, I could not pay my credit card debt from Capital One Bank due to financial difficulties. So, I called directly to Capitalone Bank. After my phone call with the bank, I accepted the 80 % discount offer on XX/XX/2021. I gave my bank details to the CapitalOne Bank official, and he made an automatic payment plan on the XXXX of every month. 
I restructured my debt in three installments. For an unknown reason, another collection company called me about this balance, and they asked me for the total amount of the debt. I didn't understand the situation either. I started doing research. I saw that the first two installments were withdrawn from my account on XX/XX/2021 and XX/XX/2021, but the last installment was not withdrawn. I continued researching to understand why. First, I checked my bank account to see if I had any balance problems on the withdrawal date of the last installment. I have seen I have enough balance on XX/XX/2021. Then I called CapitalOne bank and reached the relevant department. I explained the problem. They gave me a number and said to call this unit. I called that number, but they gave me the number of the Collection company that called me before. I called again and explained the situation to Capital one bank 's representative. 
She said to me ; you did cancel the payment of the last installment. That's why you lost the discount given to you. You have to pay full debt, he said. I said I didn't do anything like that. I don't have access to any account to make such a cancellation anyway. I don't have an account number. I did not give any cancelation permission to my own bank. I said, how could this be? In response, they told me you canceled via email. No, I didn't do anything like that to them. I said, why would I do that? I asked if you could show me proof that I made this cancellation. The representative said, we don't have access to your account at the moment. He said to contact the collection company. 
I object to this situation, but I can't get any information. 
I want proof ; they don't show it. 
I ask when I did it, and I get no information. 
Well, if I made such cancellation, I ask why you did not send me a notification by e-mail or regular mail, no answer. 
Two of the three payments were withdrawn from my account on time, and I allegedly canceled the last installment by email. 

I could not do such a thing, and I do not accept this situation. There is something malicious here. It's cheating, in my opinion. This is a game that the bank has made, I object to it. 
I want your help on this. 

My Information : Name : XXXX XXXX Phone : XXXX XXXX XXXX and XXXX XXXX XXXX Email XXXX XXXX CapitalOne Bank Phone : XXXX Collection company Info : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a XXXX balance on my Barclay US card, and reported several disputed charges from XXXX. 
I called several times about this matter already, and was told that I am not responsible for any payments. 
The card statement now shows as late with added interest and penalties, which is wrong and unacceptable. 
I've wasted several hours of my time trying to get your customer service to resolve this. 
If any damage is made to my credit report, I will be filing action against you. 
Please just close the account with XXXX balance.

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 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2021, I went to my Credit Union, XXXX XXXX XXXX XXXX in XXXX XXXX, Florida to complete a {$20000.00} wire transfer to XXXX XXXX, a XXXX XXXX XXXX in XXXX. This was a favor to my sister who owns a XXXX XXXX XXXX in XXXX. I was advised by the banker it will take 2 business day. I received additional request from my bank for additional documentation and explanation, which I supplied. I was told a day after I supplied the additional documentation by my credit union rep that the benefuciary 's bank has the funds ( XXXX XXXX XXXX in XXXX ). When the recipient when to his bank on a number of occasions, it was discovered that an intermediary bank, XXXX XXXX XXXX is sitting on the funds. Additional follow up inquiry with my credit Union revealed the following : My credit Union completed the wire through XXXX XXXX XXXX XXXX used XXXX XXXX XXXX for the international wire XXXX XXXX XXXX uses XXXX  XXXX XXXX XXXX to to send the funds to XXXX. 
The funds were never delivered I requested a refund on XXXX. 
I received a Western Union correspondence through my credit Union that the request for reversal was submitted, it will take 10 to 12 days.

My main concern is, since the funds as confirmed by Western Union through my credit Union was never delivered, why is any bank involved in this transaction still sitting on my money? 
Secondly, this is mo ey from my HELOC and I am accumulating a daily interest charge close to 3 percent. My Credit Union, Western Union or XXXX XXXX  has to be responsible for this interest accumulation because I paid a fee or a service they did not perform withing the promised time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: FL

Complaint narrative:
I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my TransUnion account should be frozen.

I am attaching screen shots of my transunion and XXXX report. Per transunion you will see if is showing 2 hard inquiries. Per XXXX you will see 1.

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 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: FL

Complaint narrative:
The following information are inaccurate on my credit report. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. {$7200.00} - DOES NOT BELONG TO ME XXXX OPEN XX/XX/XXXX XXXX. {$500.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX {$660.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL 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 2021-10-18 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: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
XXXXAMERISAVE MORTGAGE CORP has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America agreed to make a settlement on my account for 60 %. After my payments I received a letter stating the settlement was satisfied, paid in full. My online account for the company was taken down. Today I received a letter stating that the settlement is void because the payments were made as agreed on. I never once received a letter stating my account was opened again.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I complaint against XXXX XXXX XXXXXXXX for HAVING MY PROFILE FULL WITH RED FLAGS AND WITHOUT ANY PROOF to the OFFICE OF THE COMPTROLLER OF THE CURRENCY. XXXX XXXX XXXX answered to the OCC that the bank NEVER HAD REPORTED ME TO THE EARLY WARNING SERVICES AND THAT MY ACCOUNTS HAD ANY PROBLEM AND MY ACCOUNTS NEVER HAD HAD ANY RED FLAGS. These statements are FALSE because XXXX XXXX XXXX REPORTED MY FOUR ACCOUNTS AS FRAUDULENT IN EARLY WARNING SERVICES. I DISPUTED THIS FRAUDULENT INFORMATION TO EARLY WARNING AND I PROVIDED PROOF OF THE LIES WRITTEN IN THE XXXX XXXXXXXX XXXX REPORTS, HOWEVER, XXXX  XXXX XXXX ANSWERED THAT THEIR REPORTS ARE CORRECT AND ACCURATE, BUT WITHOUT PROVIDING ANY PROOF. EARLY WARNING SERVICES HAS ACCEPTED THIS FRAUDULENT STATEMENT AS REAL, AND EARLY WARNING DOES NOT WANT TO REQUEST PROOF OF XXXX XXXXXXXX XXXX 'S STATEMENTS, MAKING THIS REPORTS FALSE BECAUSE THEY CAN NOT ACCUSE ME OF BEING A CRIMINAL WITHOUT ANY PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Continental Collection Agency, Ltd.
State: CO

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
We accomplished an IRRL with a closing on XX/XX/XXXX. We have been with Freedom Mortgage since XX/XX/XXXX. 

We switched our homeowners insurance companies selecting a local servicer with lower rates in XX/XX/XXXX. Freedom Mortgage paid XXXX ( XX/XX/XXXX ) {$2000.00} for homeowners insurance for the period of XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, Freedom Mortgage paid new insurance provider, XXXX, {$1600.00} for the period XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, XXXX refunded {$2000.00} to Freedom Mortgage and was put into our escrow account. 

Freedom Mortgage has decided that we owe, for escrow shortage, {$3600.00}. Our taxes have decreased by {$100.00} per year. Our homeowners insurance has decreased by {$400.00} per year. Our escrow monthly payment was {$780.00} per month. Effective, XX/XX/XXXX, our monthly escrow payment is {$760.00}. However, even though our taxes, insurance, and monthly escrow has gone down, Freedom Mortgage insists that we must pay an additional {$300.00} per month towards our escrow shortage. 

After multiple discussions with representatives from Freedom Mortgage, they are unable to adequately explain or justify the change. Additionally, they will not re-compute an escrow analysis. The additional amount per month is an excessive financial burden and incorrect in its calculation.

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 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.

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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Back in XX/XX/2021 I discovered this collection on my credit report, I never recevied any notification that National Credit Adjust was trying to collect on a debt. I sent National Credit adjust a debt validation letter. I asked that they provide me with certain items to show me why I owed National Credit Adjust and they only provided photo copies of credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have a account on my credit report that I have no knowledge of. It is called Midland credit management. Is the collection agency on my credit. I have disputed this account and told them it's identity fraud and they removed it from XXXX credit but will not remove from XXXX XXXX XXXX. I have reach out and nothing at all from them I have disputed so many times and nothing. but removed from XXXX. And I would like to see pictures of D.L that was use because I know it wasn't me and papers sighned

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Hello, I reached to Convergent Outsourcing in regard to an account they placed on my credit. I sent them a certified notice. According to my credit they allege the account was formerly with XXXX XXXX. They is no such company in my area only XXXX, XXXX XXXX or XXXX XXXX XXXX. The account is fraud!!! 

They removed the account and added it back on my credit 2 weeks later using a different account number and they changed the dates etc. This is a violation of the fcra and the fdcpa. I have filed a complaint with y attorney general office and the ftc. 

original account number XXXX XXXX  XXXX  {$1300.00} new account number XXXX cox communication {$1300.00}

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX  XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF

Company response to consumer: Closed with explanation