vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
During XX/XX/XXXX I was on XXXX and wanted to read an article and when I click on the article my computer screen was locked. On my computer screen I was told to call a certain telephone number to get it unlocked. I called the number and the person said you have a virus and we can fix it for you. But it will cost you {$380.00}. They then asked to log into my computer. I was told to make the check out to XXXX XXXX XXXX. which I did. They also gave me a mailing address. Then they wanted to take a picture of the check from my computer screen which they did. They also wanted a picture of my drivers license. They then got my computer up and running. They said they would call back in a week to make share my computer was OK. Then I thought they were going to charge my checking account twice, once for the actual check and then for the check they took a picture of. I called my bank and talked to the people in their fraud section. The bank froze my checking account and opened a new one for me. Neither of the checks were processed by my bank. I then started getting calls from XXXX XXXX XXXX and the calls came from different telephone numbers. I then deleted the external log in that I had given to XXXX XXXX XXXX Also, I reformatted my computer and added XXXX XXXX detection software. I ran the XXXX software and my computer was clean. Later I received a notice saying that if I did not pay the {$380.00} they would turn it over to a collection company. I kept getting calls from unknown numbers but I did not answer them. On XX/XX/XXXX I received a collection letter from " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' They said they were attempting to collect a debt, that now totaled {$410.00}. The Original Creditor was listed as XXXX XXXX and the Current Creditor was XXXX XXXX, XXXX. 

On XXXX XXXX, I received another collection letter this time from Transworld Systems XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  , Pa XXXX, dated XX/XX/XXXX. They said they were attempting to collect a debt totaling {$410.00}. The Creditor was once again listed as XXXX XXXX XXXX XXXX Once again XXXX XXXX is trying to collect money that was a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with Experian, Transunion and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS HAVE REMOVED INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts of my credit reports. This is defamation of character ans misrepresentation of my credit worthiness. i recently applied for a loan and was denied due to inaccurate information beong reported on my credit reports. I am exercising my rights as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing, LLC has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, XXXX, and XXXX. This is causing physical and emotional harm to US becuase my wife had to give up her job to become a permanent, full time caregiver for me because I developed a chronic illness due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. SLS. LLC MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless SLS, LLC makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continuesXXXX SLS, LLC falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a Sunday XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. SLS. LLC continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT SLS, LLC IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to SLS, LLC and demanded the corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my third time asking company to re-investigate my credit report they have not respond to me with any updates on removing inaccurate information off my credit report i have certified documents that prove that there investigation has took well over 30days. they use stall tactics to try and not investigate my issues. this is XXXX XXXX i am submitting this complaint on my own behalf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my third time asking company to re-investigate my credit report they have not respond to me with any updates on removing inaccurate information off my credit report i have certified documents that prove that there investigation has took well over 30days. they use stall tactics to try and not investigate my issues. this is XXXX XXXX i am submitting this complaint on my own behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I continue sending letters to transunion through certified mail but they continue to say that they haven't received anything and refuse to investigate these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CA

Complaint narrative:
Apparently there was a credit card from amazon opened in my name under an amazon account that I do not own. The card was being used and payments were being taken out of my account. Amazon would not give me access to the account that was closed and I could not log in to dispute with the bank because I did not have the card info. I have tried numerous times to contact the bank as well as amazon with no luck.

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 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It was the scamer fraud before I didnt know it, when I did the wire transfer, so on XXXX I did ask the TDBank, XXXX XXXX  and XXXX  XXXX XXXX to credit me back, but did not do it for me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva credit cards charges large upfront and then monthly fees ( typically {$99.00} to open a {$500.00} credit limit card, then {$12.00} per month XXXX. They offer a website on which to manage a customer 's account. That website displays the customer 's available credit, which is frequently UNTRUE. They will close the account on the 90th day of no purchase activity ( which presumably is buried deep in the fine print of their customer agreement but still display the full available credit amount, presumably to mislead the customer into paying more fees. When the customer tries to use the card for an amount much smaller than the available credit displaying on the website, it is declined for ANY amount. They then blame this on " unexpected computer errors. '' CFPB should not permit credit card companies like Fortiva to continually treat customers this way and hide behind " computer errors. '' Employees of Fortiva ( or their third party partners XXXX program this software and it is entirely within their control to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear Capital One, I did receive the response youve sent attached to my complaint submitted to the CFPB dated XX/XX/XXXX and while I respect that you responded to my Affidavit of Truth, you still did not answer or respond to any of the information contained within the notarized Affidavit of Truth, which still stands. You also advised that XXXX XXXX XXXX XXXX made my first payment due to delays with funding. There was no new contract provided ; there was an additional processing of my consumer credit file ; and you have failed to provide me with full disclosure of the terms of the contract ; I am ordering you to show cause of debt, and show the effects of credit on the financial journal and ledger entries so i can verify and validate any alleged obligations. While you advised that you denied my request to rescind contract, retain possession and obtain refund of down payment, you failed to advise why you are refusing so, and why there isnt an adequate or thorough response to the affidavit that was sent over to you all certified mail and here, to the CFPB. When responding to a notarized affidavit, once you confirmed receipt of the affidavit, you are to rebut my entire affidavit, point by point, and have that rebuttal notarized and signed by 2 witnesses. An unrebutted affidavit stands as truth in commerce. The letter then goes on to state " If you question the results of our dispute process, you may also contact the furnisher of information directly. Please take notice that this is an investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States federal consumer protection laws.Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. I have attached a copy of the notarized affidavit that was signed and received by your company. I am looking forward to your point by point response to the information that was sent over in addition to reviewing the contents of this complaint. The company failed to provide the adequate paperwork for full disclosures including the right of the consumer to rescind a transaction ; this is one of the many violations documented and detailed in the affidavit of truth attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'VE BEEN TRYING TO GET THIS MATTER RESOLVED FOR QUITE SOMETIME WITH XXXX XXXX. MY FIRST ISSUE IS THE DELIQUENCY DATE IS INCORRECT AND THEY HAVE YET TO HAVE IT UPDATED AFTER SEVERAL ATTEMPTS. IT'S SHOWING 2017 WHEN ITS ACTUALLY INCORRECT. ALSO, I'VE REACHED OUT TO XXXX  AND XXXX  IN REGARDS TO IT BEING ON MY REPORT WITH THEM AND WAS INFORMED AFTER 7YRS IT WAS DELETED SO HOW COME IT'S STILL SHOWING ON MY EXPERIAN CREDIT REPORT AND ALREADY DELETED OFF THE OTHER TWO CREDIT BUREAUS. I NEED THIS MATTER RESOLVED AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CITIBANK, N.A.
State: ID

Complaint narrative:
I need to have the Fraud Alert removed from my credit report. I have tried getting this resolved many times and nothing has changed. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and Flagstar wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for Flagstar to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I received a notification on the XXXX of XXXX that a transfer to my account was put on hold and that I needed to provide further information. The reference number provided to me was # XXXX. The amount is not stated, but I am expecting XXXX USD ( minus any bank fees ). I submitted the requested information on the same day. I received confirmation that everything was set via email. I was expecting to see the funds the next day as normal, but I didn't see anything so I wrote my bank asking if everything was OK. They told me they needed more information, which I provided. I received confirmation via email from an agent on Sunday the XXXX of XXXX that they had everything they needed and to review the case. Monday, I still did not receive the funds so I emailed the agent again and didn't receive a response. I chatted with an agent online and they let me know that these checks will take 1-4 business days and they will get back to me. I waited until Friday the XXXX and still didn't have any funds or answer from them so I reached out again via chat. The agent told me that they escalated my case, they could see it was still in progress but they would be in contact with me. The next day XXXX hadn't heard back so I wrote again, and I was told these things take time and all I can do is wait. I wrote via XXXX complaining about the response and the fact that I still do not have the funds, or any idea what so ever about why the funds were placed on hold. I have been in contact with them via XXXX since then ( today is the XXXX of XXXX XXXX and I still have no answer as to when my funds will be available or what checks are taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I've mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 60 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I was a victim of fraud on my Bank of America EDD prepaid card. I received a text message from what I believed was BOA and signed in with the link provided. The following day XXXX XX/XX/XXXX ), they were able to transfer about {$4200.00} dollars from my account into their checking account. I have opened an ACH claim with them and want to make sure i received the money back that was stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
1. XXXX is my student loan servicer. 

2. They are reporting my student loan status to XXXX  and XXXX  as " Paid or paying as agreed. '' which is correct BUT to Experian as " Was delinquent 180 days or more past due date. '' which is NOT correct! 

3. I wrote XXXX in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX '. It is not responsive to my request. 

4. I wrote Experian to dispute the incorrect information. They responded saying that XXXX has confirmed the entry.

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