vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
When I was incarcerated XX/XX/XXXX I had a power of attorney contact all my creditor accounts for me stating I was only able to afford at most minimum payment each month. I when I was released XX/XX/XXXX and the pandemic was in full effect with mandated mask and boundary laws I could not work. My upholstery shop suffered and faced shut downs. I paid XXXX XXXX bank as much as I could each month although jobless and was only using the card in emergency pleading for some kind of deferment or grievance program. Denied by XXXX XXXX any type of help I became overwhelmed with the balance and amount of interest. My account was sold and the owner of the debt is now demanding a still greater amount calculated by only interest charges on this account. I have been threatened to be taken to court when I tried to explain that I am a victim of a national disaster and still remain jobless. I've lost everything including resistance. My credit is keeping me from any chance of recovery. The creditor is now reporting derogatory weekly to damage me more. When I sauhgt out help from credit burrow to dispute that was denied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Id like to open a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX. I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal

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 2022-04-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I was in a forberance contacted the mortage company to let them know i was ready to resume payments and would like to do payment plan on the past due. i received a letter from them said i was eligible for a modification and i would be receiving something with in 30 days. I waited and received nothing so i called again. they said they had nothing on modification. so i submitted application for assistance again. they said i was eligible again would receive something, nothing came. so i again submitted application. now they are threatening forclosure and i have done everything they asked. even tried to send payment that was rejected.

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 2022-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an 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 2022-04-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This 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 : 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 2022-04-11 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: TX

Complaint narrative:
They will not refinance my loans after forbearance, late payments applied, need help please. i WILL NOT BE PAYING TILL XXXX, 600 MONTHS 50 YEARS, That's a Covid disaster for me I need a break please Thanks XXXX & XXXX XXXX XXXX To whom it may concern : I was one of millions of small business owners that Covid Epidemic affected. 
XX/XX/XXXX Texas Governor, City Majors all signed an Order to close business that had gatherings of no more than 5 people. 
I have a mortgage on this XXXX XXXX, rental building capacity of XXXX toddler XXXX infants. My Leasor could not pay the rent so they left, The mortgage company said they could help with Modifying my Loan with Forbearance assistance. 
See attachment please see for yourself if you call this assistance. Thanks XXXX The attachments should answer your questions on Payments, Taxes, Insurance, amounts on our following properties. We only have three mortgages and 2 other properties paid in full. 

1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 3. FHA XXXX XXXX XXXX XXXX converted to XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TXXXX 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 XXXX XXXX  I signed Subdivision established XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX - XXXX XXXX XXXX XXXX VACANT LOT PAID IN FULL 30 YEARS AGO LOT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RENTAL PAID IN FULL 30 YEARS AGO LOT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-11 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: PA

Complaint narrative:
I did not authorize '' Equifax, '' nor did I consent to following inquiries being furnished on my consumer report : XXXXXXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I noticed that my checking account was not being credited for 1.25 % APY for direct deposits and only 0.7 %. I have had at least XXXX direct deposits from my employer ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. The Sofi rep I contacted claims the deposits are not coded correctly preventing the crediting of the bonus. She made a unhelpful suggestion to contact my organization to change their direct deposit ACH coding practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 XXXX XXXX  Account number XXXX ) 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 2022-04-11 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 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 In accordance with the Fair Credit Reporting act 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 instructions In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I opened up my Ally Bank account this morning ( XX/XX/2022 ) at approximately XXXX am PST. My personal checking account was {$730.00} in negative, and my shared account whim I share with my partner was {$690.00} in negative, after calling Ally and speaking with a representative they told us there is a known issue where customers accounts are being double charged and they have no XXXX on when it would be fixed and there is no way for them to reconcile it. This is unacceptable, my banking institution should be trusted with my money. Its a wide spread issue and even after waiting on hold for XXXX they could not help me. So now Im stuck with very little gas and absolutely no money to do anything today, like get to work, drop off my dog at doggy daycare etc.

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 2022-04-11 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX of 2021.

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 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: NC

Complaint narrative:
This past weekend I found a " collections '' item in the amount of {$27.00} on my XXXX credit report, dropping my near perfect score by XXXX points! I have NEVER had a collections account! It was from Financial Data Systems, which I found to be a collections company in XXXX, NC. There was a note that it was related to " XXXX XXXX '' and dated XX/XX/2021, nearly 6 months ago. 

I have never received any bill or communication of any kind from either XXXX XXXX ( their correct name ) or Financial Data Systems. I spoke with both XXXX XXXX XXXX XXXX  ( XXXX XXXX 's billing service ) and FDS this morning. 

XXXX explained that the amount owed was related to a medical procedure I had last year. That procedure generated many bills, some from providers I had never heard of. I paid every single bill that was sent to me by all providers. However, XXXX stated that they sent XXXX bills to an address that is more than XXXX XXXX XXXX. XXXX stated they got the address from XXXX XXXX, and because none of the bills were returned as undeliverable, they followed proper procedure in sending it to a collections company. I have no idea how XXXX XXXX got that old address, but it seems irrelevant as I provided my current address on all forms I filled out related to the procedure. I know this is true because all the other providers used that current address to send me bills! 

In speaking with Financial Data Systems, they said the same thing, they got the address and phone number ( also incorrect ) from XXXX, they sent notices to that address and called that phone number, and because nothing was returned as undeliverable, they followed procedure and reported it to XXXX. 

In speaking with them, they promised that the collections item would be removed from my credit report when paid. I asked for that statement in writing before paying, and they refused. They said that I could pay an additional {$10.00} and they will send me a " deletion letter '' tomorrow after the payment posts. I paid both the {$27.00} and the {$10.00} " deletion letter '' fee, despite the fact that I feel I should not have to pay a fee to get an error on my credit report corrected. That is like mugging me twice! 

I have no documents to provide as I never received anything from these 3 companies. 

I am making this complaint against all three companies who created this situation : 1 ) XXXX XXXX XXXX of XXXX, NC, 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC, and 3 ) Financial Data Systems XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zarzaur and Schwartz, PC
State: LA

Complaint narrative:
ZARZAUR & SCHWARTZ, P.C is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
The company has falsely reported LATE PAYMENTS for this account to the Credit Bureaus when no payments were ever made. The company has illegally adversed my credit with fraudulent derogatory credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon reviewing my credit report, I do not recognize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC
State: GA

Complaint narrative:
The law offices of Jennifer MCCOy illegally went into a savings account of mine and fraudulently took out {$10000.00} for a debt that I do not owe.I am seeking immediate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a vanilla gift card on XX/XX/2022 and it was for {$100.00}. I checked online to see my balance and it was {$100.00}. XXXX minutes later I check my balance because it says it may take XXXX minutes for the car to activate and my balance is XXXX dollars. This is ridiculous. I did not use the card at all and I dont know who or what the company was that the person bought from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.

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 2022-04-11 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: MI

Complaint narrative:
A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.

Company response to consumer: Closed with explanation