vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I tried to speak with this company in regards to not being notified of this account prior to being reported on my credit report. I was not sent any kind of communication in the mail or phone. The address the company had on file was over 6 years old. As a FCRA Reporting company it is their due diligence to properly notify me before placing an account on my credit report. That was not done so. I want to pay this account but since I was not properly notified prior to the credit reporting as required by my consumer rights, this needs to be deleted off my credit report. These are sneaky and unfair practices that we are supposed to be protected by with the CFPB/FDCPA. I am hoping we can come to a resolution as this is not supposed to be on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of XXXX XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland funding debt company Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Amount in collections {$1000.00} I never had this account or anything associated with it. This is false. I have done several disputes and sent letters which have been ignored. They continue to deny the disputes, yet can not prove this is my account in anyway or that this is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One is not allowing me to access or close my account. I called into customer service on XX/XX/2022. The representative told me that I would need to speak with another department. She transferred the call to a department that did not have any live personnel available, so I left a detailed message with all of my information. I allowed 24 hours to pass, as instructed be the representative but no one called me back. I called in the morning, XX/XX/2022, the customers representative transferred the call to the customer protection department. I was connected to XXXX XXXX agent id XXXX ), she was very rude antagonizing and accusing me of fraudulent activity. She went on to say that Capital One has decide to discontinue business and services but I can not withdraw my funds or close the account. Also, I can not check my account to retrieve any supporting documentation to submit for my claim against Capital One. I asked XXXX to connect the call over to a supervisor because she refused to assist me any further and decline to give me her agent id number. I has able to speak with XXXX XXXX agent id XXXX ), she identified herself as the acting supervisor. I asked XXXX to explain the following : If Capital One has discontinued financial services why is the account still open and if the account is still open why can't I have access to check my account to access bank statements? She told me that I will not have access and the only communication will be through email. I told her that if my account is still open legally I should be able to access my account to acquire bank statements. This leaves me at a disadvantage because I can not provide any supporting documentation to assist the CFPB with my claim. Capital One is yet again using shady business tactics to hold consumers responsible for their inability to protect financial accounts and accept any responsibility for the failure to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: MD

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED

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 2022-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I opened a chime account in XXXX of 2021. I was interested in testing a new type of account. I have a main bank account with XXXX In XXXX my brother sent me {$110.00}. Late XXXX I tried using my chime debit card at a grocery store and was declined repeatedly. I had to use another form of payment and thought this was a fluke. 
I was contacted by chime apologizing for the decline, my card was active and the money was there for me to use. 
Early XXXX I ordered take out for my daughter and I, the card worked whew! 

On the XXXX of XXXX I tried buying groceries again. This time, my card was declined 6 times. The store was packed, I was humiliated. 

I then submitted a transfer of the remaining funds to be sent to my XXXX XXXX  account connected to this chime account ( {$63.00} ). 

After, I called spoke to a representative and kindly asked for my account to be closed. I explained why and asked if the transfer of my funds would be affected? She assured me it would not. The transfer showed as initiated and will still go through. 

Today is XXXX XXXXstill no money. I called repeatedly to try and get this resolved and each time I explain and ask for a manger the phone mysteriously disconnects. I have emailed as well and I response. 

I then went on line an discovered so many complaints against chime where peoples funds have not been returned after calls, emails etc. many owed way more money than me. 

I want my money and consumers need to be protected from chime scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Flatonia Investments, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Envoy reported our loan as closed 90 days past due. The loan is still open and has not been late on payments. We did make two payments to the old servicer during the 60 day window of the transition to the new servicer, and the old servicer ( XXXX ) refused to forward those payments or acknowledge them. As XXXX refused to forward these payments, we went ahead and made the same payments to XXXX XXXX. 

Also, Envoy sold their interest in the loan to XXXX XXXX in XXXX of XXXX. Why are they still reporting this loan on our credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Identity was stolen/compromised and later discovered that my personal information was utilized to rent/lease an apartment/home in my name even after informing of identity theft National Credit System continued to attempt collection and refused to remove from credit report. 

FTC Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a debt collection notice on XX/XX/XXXX for an old bank account dated back to XXXX. One I dont even recall having my bank account in a bad status when I closed the account and too how can they send me any notification saying I owe debt for XX/XX/XXXX ( over 16 years later ) I was told this is against the law and they cant do that.

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 2022-01-20 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX Date of Inquiry XXXX/XXXX/2020 XXXX Date of Inquiry XX/XX/2020 ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX I was denied a loan from XXXX due to Transunion credit report. Transunion had my XXXX XXXX as XXXX. My XXXX XXXX has rarely ever been under XXXX. After 4 hours on the phone and multiple calls to Transunion I was able to determine they have 3 different accounts under my social security number and this is why I was denied. I tried to have them fix the error but they refused and said someone would contact me. In the meantime I am unable to get a loan for solar panels and am losing money due to their error. XXXX and XXXX both have my correct information and credit scores over XXXX. Transunion consistently mixes my accounts and should be held accountable.

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 2022-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2022, I contacted via email Pen Fed Credit Union and requested an overview of my monthly required payment and a copy of my Promissory Note. I response was forthcoming other than an automated reply, which assigned me Case # XXXX. 

Having no response, on XX/XX/2022, I called PenFed and again asked for an overview of my payment obligations and a copy of my Promissory Note. I was told that the payment amount was {$1000.00} per month. However, I was not given any information about the terms of the loan agreement. I again requested a copy of my Promissory Note. None was forthcoming. 

Again, on XX/XX/2022, I contact Pen Fed via email and asked for a copy of my Promissory Note. I was assigned case # XXXX. In response, Pen Fed mailed my a copy of the Credit Agreement, which does not include the basic terms of the loan ( e.g., no information about the term, interest rate, etc. ) Pen Fed did not provide a copy of the Promissory Note. 

On XX/XX/2022, I again requested a copy of my Promissory Note and none has been forthcoming.

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 2022-01-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This past week, overnight, my Experian credit score dropped from over XXXX to XXXX. Experian has not provided with me a reason as to why this has happened. In my Experian account, I can see that all of my lines of credit are in good standing, with no outstanding balances, and payments made on time. In my entire life I have had one collection on my name, which was for a small amount and was paid off in 2019. In the last two years I have not opened or closed any line of credit. 

I reached out to Experian using every possible method ( phone, email, dispute form, etc. ). They have been unable to help me. With every attempt at contact I have made, they have responded with automated responses explaining why credit scores may change. They have not once been able to tell me why MY credit store dropped aver XXXX points. The phone number listed on the CFPB site for Experian does not help. You can't speak to a human, nor can you hear any automated menu related to dispute or incorrect credit reporting. 

I have exhausted every option to figure out why my credit score dropped by so much overnight. I have not been able to get in touch with Experian. My assumption is that my Experian credit score dropped in error, since my XXXX credit score is XXXX. 

I really need help resolving this. Please

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 2022-01-20 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: GA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I received a text from a spoofed number who claimed to be my bank, Wells Fargo. Stating there was attempted payment through XXXX of {$3000.00}. I did not respond since I was unsure if it was real. A while later I get a call from Wells Fargo as I have them in my contacts. I pick up and a man by the name of XXXX XXXX confirms that there was {$3000.00} taken from my account through XXXX. He then directs me on how to get it back by going on my Wells Fargo app and XXXX myself the money back. I input my full name and phone number and first sent {$500.00}, {$2000.00}, {$1000.00}, and finally {$500.00} for a total of {$4000.00}. When the app notified me that I have hit my transfer limit he said he will call back in a month to make sure I received my money. I did not authorize my money to be sent to someone else, I was scammed into thinking it was going to myself. I open a claim with Wells Fargo and have called multiple times to no success. They state that although this has happened multiple times to other people with their bank that they can not help. This has happened for years, two women even took to the media and after that Wells Fargo decided to give them their money back.

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