vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to Synchrony XXXX XXXX XXXX I spoke to XXXX XXXX XXXX and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.

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 2022-09-17 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: HI

Complaint narrative:
I have never received any documentation regarding an unpaid bill. I never received any documentation regarding an unpaid bill being sent to collections. I received no notification. I noticed the outrageous collections claim of {$950.00} as I was checking XXXX XXXX app. I have no documents to provide that this is a valid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reported to XXXX  around the XXXX of XXXX in regards to my dispute with XXXX XXXX  not being authorized a sign up request card for company and their credit report disent do it, I reported on XX/XX/XXXX the unauthorized acceptance and request for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was led to put money in a fraud ent website XXXX XXXX. I put {$600000.00} but I checked with XXXX and was told that this app is not affiliated with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
Binance.us Is refusing to delete 2 crypto currency accounts created using my social security number. I have attempted to resolve this issue for 2 years to no avail. 

I have made daily communications with Binance.us account representatives and have records of them refusing to delete the accounts as well as refusing to consolidate them and allow me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frost-Arnett Company
State: FL

Complaint narrative:
This company FROST-ARNETT is sending letters and calls after I notified them that this account is NOT mine even violating the HIPA law in my person I sent them a certified letter on XX/XX/2022 and received a response on XX/XX/2022 but they date the letter like XX/XX/XXXX?? obviously in an attempt to justify if I delay under the law in responding to the evidence which is requested and what they proved does not show anything of my signature, only a document with my name and date of birth, indicating that I was a victim of identity theft in in the past even my credit report shows that information this account is NOT mine I have not been in any surgery, in addition to this action of collecting personal medical information is a violation of my HIPA rights the only time I was in the hospital was for XXXX XXXX and I did not have any surgery. I demand that this {$100.00} collection and phone calls stop. I include here evidence of when I requested that they prove to me what they are talking about and I included the HIPA law, in addition to the fact that I was NOT provided with the information I requested where I authorized the hospital to disclose any information on my behalf, they never provided said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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:
I looked at a recent copy of my credit report and I have noticed some fraudulent accounts listed. I have never open accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have attached a copy of FTC Identity Theft Report with this complaint. Please remove this fraudulent information from my credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/22 check my credit report and on Equifax there was reported company called XXXX XXXX XXXX in a purchase of a vehicle of the amount of {$17000.00}. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. I made a dispute with Equifax informing them that the account is not mine. The dispute outcome came back from Equifax and they determined that the account is mine. On XX/XX/22, I called Equifax to obtain more information about their investigation. Equifax informed me that I needed to send them a copy of an identity theft report, a copy of my driver license and social security card to block the above company reporting my information to Equifax since I have not bought a car from such company. I send the information to Equifax on XX/XX/22. Today, XX/XX/22 I checked my credit report and again the same company placed another report of a purchase of a vehicle for the amount of {$13000.00}. I placed a fraud alert XX/XX/22. I did spoke with XXXX from XXXX XXXX XXXX associated with XXXX XXXX XXXX on XX/XX/22. XXXX informs me that they don't have an account under my name and could not provide further information since I don't have an account. How can this have happened twice on a row in the same year. I honestly have not made any business with XXXX XXXX XXXX and how they are using my personal information which I believe it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Original creditor violated a settlement agreement. Debt was discharged, successfully disputed with debt collection previously. Original creditor re-sold it. Debt is for an LLC no longer in existence and pursuing individuals for it. Fraudulently pursued - same debt multiple agencies per attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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:
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : 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 : states a consumer reporting agency can not furnish an account without my written consent. 

XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : 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 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX my account with netspend was frozen for the 5 th time this year for security reasons. And money had come out of my account with a closed card from the previous security freeze. On this day I called and closed my account and disputed the charges. 
On XX/XX/XXXX I called them again to check the status of my refund. They informed me it should be here in 5 days. 
On XX/XX/XXXX I called again to check the status. They informed me it should be here in 7 to 10 days of closing the account. 
On XX/XX/XXXX I called to check the status of my refund check. They informed me that my account wasn't closed until XXXX the XXXX th and it would be 7 to 10 business days until I received my check. 
I am a single mother of XXXX. I have had to brough money to get me to this day and still I am empty handed. I work for the state and only get paid once a month. So now I have to brough more money to make it another 7 to 10 days. Can u help??

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 2022-09-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-09-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The three major credit reporting agencies ( XXXX, XXXX, XXXX ), are inaccurately, inconsistently, and unfairly reporting my consumer information ( Via Capitol One ) : XXXX .... XXXX is reporting as 30 days late ( XX/XX/2019 ) XXXX isn't reporting and 30 day late payments. This is inconsistent, unfair, and inaccurate and NOT 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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:
In accordance with the Fair credit reporting act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I've sent out two letters to Experian regarding a collection on my credit report. The account still remain and not have been fully validated. This collection is shown up as a " joint '' on my report and this debt is not mine. I've sent out a letter on XX/XX/XXXX and another as well XXXX  month later on XX/XX/XXXX. 

Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX Amount : {$900.00}

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 non-monetary relief
Consumer complaint received 2022-09-17 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-09-17 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, XXXX XXXX ( a subscription merchant ) charged my American Express card {$71.00}. I found this amount excessive as I had paid an amount around {$20.00} the year prior and do not recall being provided any documentation at any time indicating that the subscription would renew at this amount. I contacted the merchant on XX/XX/XXXX asking them to withdraw that charge. They refused. I then asked the merchant on the same date to provide me documentation showing that I had agreed to be charged the amount in question. They did not respond to my request. 

On XX/XX/2022, I opened a billing dispute with American Express. On XX/XX/2022, American Express closed the dispute indicating that they found the charge to be valid. They said that I can contact them via Chat within 30 days if I wanted to reopen the dispute. 

On XX/XX/2022, I opened an online chat with American Express and asked them to provide detail as to the extent of their inquiries on the matter. They indicated that they asked the merchant for a receipt and when one was provided, they deemed the charge valid. I indicated my dissatisfaction with that line of inquiry and requested that they ask the merchant to provide a contract indicating that I agreed to be charged the amount that I was. The agent said that he needed to collect some information to reopen the inquiry, and then asked me to provide information that was irrelevant or that I could not possibly provide. When I pointed this out, the agent stopped responding and the chat went no further. 

On XX/XX/2022, I opened another online chat with American Express and indicated that I wished to reopen the dispute. The agent said that they would escalate to a supervisor and I was asked to stay there for a supervisor. I received a message saying that the supervisor would be available in " about two minutes ''. I waited more than 10 minutes and nobody came to talk to me. I assumed that I was again being ignored as I had been on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I sent certified letters to all 3 credit agencies to for the correction of my credit report. I informed them that XXXXXXXX XXXX has lied on my credit file by saying I was 180 days late which is not true. I graduated from that scam school in XXXX and I had subsidized and unsubsidized loans. This school had loans saying I received and I didnt know anything about these loans. In XXXX, I filed a XXXX XXXX and switched to a XXXX XXXX in XXXX to wipe everything out. Its showing on my credit report I was late from XXXX until XXXX. When I sent information to the credit agencies particularly Experian, they are saying the information is correct but its not. They said verified but if the school has been sued why would they tell. They have a habit of lying practices and this is another scam against former students who couldnt get a job in their field after graduating. Im trying to purchase a home and this mess is on their affecting my credit score. Thank you for reading.

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 2022-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Beginning of 2022 i attempted to get continued XXXX  assistance my application was denied. In early 2022 i did a modification. The modification was completed in XXXX of 2022. I paid the amount of modification i attempted to pay my debt in XXXX of 2022. I saw my payment increased by almost {$300.00}. I contacted the company they said my escrow amounts increased. After review of escrow analysis it increased total XXXX. The company stated the escrow balance would not be up to date based on what should be maintained in the account. I neber received a formal notification of any change to a modification that just occurred XX/XX/2022. 

I beleive two things are occurring : 1. After finalizing a modification which only reduced payment by {$25.00} 2. Mortgage servicer and lender are attempting to recoup XXXX  assistance monies without using that term. 
3. Mortgage servicer and lender are attempting to increase payment to force a foreclosure because of current housing market and lack of peoperties

Company response to consumer: Closed with explanation