vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2022-10-03 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: NY

Complaint narrative:
I was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.

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 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I was contacted by Genesis this year about an unknown debt thats not mine from XXXX. Im not sure how they received my contact information. The debt theyre saying I owe, they have no proof of signature. I reached out to the company that alleged I owed this debt and they confirmed the debt wasnt mine and dont know how or why anything was sent to Genesis. Ive sent a certified letter to Genesis to show proof the debt is mine, and without proof asking for a cease and desist confirmation to have this removed from my credit report. As a result of this erroneous debt, my credit score has dropped XXXX points. Ive always taken pride in my excellent credit score and because of this its no longer excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-10-03 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The following complaint was filed and an unacceptable response was received. 
RE : CFPB Complaint # : XXXX Reference # : XXXX Account # : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The response provided addresses the Homeowners Protection Act indicating that this investment property does not fall under the act and as such PMI is for the lifetime of the loan. The Act specifies that the lender is to provide the PMI disclosure at time of loan consummation indicating the requirements for the removal of PMI. I have contacted Shellpoint to obtain a copy of the disclosure with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX. I am the son of XXXX XXXX who was the owner of a property located at XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX. My mother passed away in XXXX of XXXX and left her estate in a living trust. She executed a Beneficiary Deed to transfer the subject property in to her trust upon her death. I am the Successor Trustee of her Living Trust. I had her power of attorney when she was living, but upon her death, the POA was void and I am no longer considered an authorized third party on her mortgage loan with Select Portfolio Servicing. ( Loan # XXXX ). 
The company is speaking with me about the property, but since XXXX of this year, they have not accepted the Living Trust and Transfer deed documentation that should allow me as the Successor Trustee, to become the authorized party ( Successor-in-Interest ) of my mother 's home. 
I suffered an injury and was off work for almost two years. I was able to keep up with my mother 's house payment until XXXX of this year when I fell behind. I went to the state of Missouri Homeowner Assistance Fund to request assistance since my mother 's passing was XXXX related. They have told me they will assist me to reinstate the loan but the mortgage statement must be in my name. The lender keeps asking me for trust documents that do not exist. My mother 's estate attorney set up her trust in order to avoid a probate. I have consulted with three other attorneys, all of whom have assured me that the documents we have provided the lender are in order. They do not understand why the lender will not accept the documents. 
In the meantime. the lender has filed a Notice of Default to foreclose on the home and as time goes on without any contact or assistance from SPS, my family home is now in grave jeopardy of being foreclosed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I purchased a Serve XXXX american express card in-store on XX/XX/2022 and loaded a balance of {$400.00} at the store. I did not use this card afterwards, I did not give the card information to anyone, and i did not authorize anyone to use this card on my behalf.Shortly after the purchase of the card, a fraudulent transaction to XXXX was run for {$400.00} on unbeknownst to my knowledge. I have tried calling serve multiple times to resolve the issue. I have filed disputes multiple times and followed all of their instructions but they have failed to provide any reasoning or evidence for their non findings. I have communicated to them multiple times over the phone the charge was not mine, but they will not take any action, they will not close out the account and continue to bill me. All they have done is send me a new card to use which i told them i am never using their products again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: NY

Complaint narrative:
I was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: NY

Complaint narrative:
I was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.

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 2022-10-03 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: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I was searching for information on Home equity loans via Rocket Mortgage website and it specifically said that only a soft credit pull would be conducted, however, within 2 weeks, I received a full loan package with a full hard credit pull, score and report in the mail for us to sign and return. I have never spoken to anyone, Ive had to block phone numbers and text messages because the phone calls were relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: GA

Complaint narrative:
While shopping for a loan to refinance my current mortgage Equifax has reported multiple inquiries separately instead of a single inquiry, they are doing this even though they occurred within a 45 day window. 
I need this corrected due to it adversely affecting my credit score. 
I have tried on numerous occasions via online disputes, letters, phone calls and with a credit repair agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
On XX/XX/22 I tried cashing a check for {$280.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX. The check was denied by Telecheck. I then called Telecheck and gave the information to verify my identity thinking it would clear up the matter. I was told by the Telecheck representative that I would then be able to cash the check. When I tried cashing the check again, I was again denied. When I called Telecheck again, the next representative said that I wasn't denied, that the check was flagged for the possibility of fraud. As a result, I was forced to pay an extra fee for using my debit card. Thank goodness I have the means to pay the extra service fee, but others may not be so fortunate. XXXX XXXX charging 3.5 % extra when paying by debit or credit card and then relying on Telecheck to deny legitimate checks is a means for them to increase revenues, which is unethical and predatory. Secondly, Telecheck is complicit in supporting their unethical business practices.

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 2022-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XX/XX/2022, I requested my consumer report from XXXX XXXX. On XX/XX/2022, XXXX XXXX  sent my consumer report labeled as " XXXX XXXX XXXX. '' After reviewing and seeing all my information that XXXX XXXX has been providing to financial institutions, XXXX XXXX is committing identity fraud and violating privacy protection for consumer information. XXXX XXXX has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.

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 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
as of XX/XX/2022 I was no longer able to pay this debt due lost hours at work and I started working with a debt agency and I have not made payment since XXXX and One Main has been informed Im working with debt agency and I removed my payment information and somehow they took an auto payment from my bank XXXX XX/XX/2022. they refuse to work with me and remove the unauthorized payment my loan number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I opened a credit card account with Aspire. I normally paid the balance I owed in full at the end of each month. Because I no longer wanted to pay the excessive fees and high interest rate, I paid the full balance and chose to " Lock '' my account on XX/XX/XXXX. 

Later that day, I received an email from Aspire stating that my account was " Closed '' and that " All future authorization requests will be declined. '' However, when I checked my account a week later, it appeared that I still owed {$210.00}. So I immediately paid that amount on XX/XX/XXXX, which caused an overpayment in that amount. 

I contacted the company on XX/XX/XXXX ( the day this charge appeared as an ach debit on my bank account ). I was told that they could not reverse the charge, even though it was made the day before and a refund would take 7-10 business days to process. 

I contacted them again today and was told that " it takes 7-10 business days for internal processing and an additional 10 business days for me to receive a refund check. '' I was further told that " a refund check was not processed. '' The card was issued by The XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Honda account discharged closed still showing up on credit report, credit card XXXX XXXX paid in full still showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: GA

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Received a " XXXX '' call at XXXX this morning. No associated phone number. I didn't answer. Message left was that I owed a debt and should call Wakefield and Associates. Only debt I have is monthly credit card which is paid in full each month, usually within days of charge appearing on account. 

I called Wakefield. First person I spoke to - XXXX- said " oh, well then don't worry about it ''. I asked why I was called if there was no debt owed. " I don't know. '' Asked to speak to supervisor. Told I could call some number. Said I didn't want to call some other number - I wanted to be transferred to a supervisor. Transferred to XXXX. XXXX asked for my SSN. Told her I didn't want to provide SSN b/c the entire situation seemed like it might be a scam. Said I could provide my name and she said that would be sufficient. Gave her my name. She paused, purportedly to look something up on a computer, and said she didn't have anything under that name. I asked why I was called if there was no debt. She said she didn't know. Asked to speak to her supervisor. Call disconnected. 

Called back. Reached XXXX. Asked about purported debt. She said she couldn't help me. Asked to speak to her supervisor. Call disconnected. 


As an aside, your form for submission of a complailnt only contemplates circumstances in which there is or was a debt, as opposed to situations like this one where there is a fraudulent effort to collect a purported debt that does not exist ( and has never existed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
First- I see over 400 reviews on XXXX  saying that this FAKE debt collection company is a SCAM and so many users claim they have been reporting to government agencies. So I implore you to take action before more vulnerable people lose money. 

The company is called Sequium Asset Solutions , LLC In my case, they keep claiming they are representing XXXX XXXX XXXX XXXX ( I can see from many other complaints that they typically claim they are representing any sort of phone or internet or cable companies ). 

Personally, my phone is linked to a Business account in my partners name so I have NO account at all with XXXX XXXX XXXX. It also shows that the account is related to an INTERNATIONAL mobile number and I have never lived outside the US or had an international number. 

When you call them they attempt to " VERIFY '' your account and try to get very personal information from you. If you do not provide this additional information ( info that the real XXXXXXXX XXXX  XXXX would never ask for ) they will not talk to you. 

I have been receiving multiple threatening letters from them since XX/XX/2022. The letters claim that I owe {$250.00} for an XXXX XXXX XXXX XXXX number XXXX. I have also confirmed at an XXXX XXXX XXXX store that this is a SCAM and they do not call their company XXXX XXXX XXXX XXXX and that is not a real number. 

I have put an identity fraud block on my credit report. I am not sure what else I can do other than report this company here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I did not make these charges. 

XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/2022 XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$43.00}

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 2022-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief