vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Debt collection company Credence Resource Management is reporting on my credit a debt of {$180.00} for XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/2021 requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out to XXXX, requesting the method of verification on XX/XX/2021 to the credit bureaus and was told I could reach out to Credence Resource Management directly. I sent another letter directly to Credence Resource Management on XX/XX/2021 requesting proper validation of debt. In response, I received a letter dated XX/XX/2021 stating that the dispute was received, and verified as valid, but no proof was provided. They then proceeded in request for me to call them directly by phone. But why, when I have established communication in writing by mail? I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 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: GA

Complaint narrative:
I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 


Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party.

( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies.

Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card.

15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit.

( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2021-11-30 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
Account number XXXX I fell behind on my payments and began making a little extra each month. In XX/XX/ 2021 my statement showed I has XXXX in my unapplied funds account. I sold my home on XX/XX/2021 and was told I would receive a refund of my escrow balance and the amount in my unappreciative funds account. I did receive the escrow refund, which I can match to the dollar via the statement. I have not received the money from the unapplied funds account. If you follow payments made into and out of the escrow account you can see that payments in matched my actual monthly mortgage payments and does not include the extra XXXX that I was paying over the actual payment go XXXX that was due. I have made XXXX calls tying to resolve this issue and each time was told a different explanation. The last person flat out lied to me about how long the money stays in the unapplied funds account ( no more than XXXX hours and then it is mired to the escrow account ) and when I called her out on the incorrect explanation she became defensive. Photos of the statements will proved money in the unapplied funds account stays there each month. 

I have had nothing but issues with The Money Source throughout my entire loan history and even had to file a complaint about them several years ago because of an error involving the escrow account, Since the explanations as to where my XXXX is can not proved via account statements nor the escrow history The Money Source provided to me when they sent my refund, I expect the Money Source to immediately provide me with a refund of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MI

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2021-11-30 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: MI

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been disputing a XXXX XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on myTransUnion, XXXX and XXXX reports.

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 2021-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a debt that is no longer owed and should have been deleted from my credit report. XXXX XXXX was apart of class action lawsuit that settled in the consumer 's favor.

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
i tried to pay for a goods and services on paypal and they took the money. the guy is a scammer and i contacted paypal immediately and since i used the goods and services option i should of been refunded but they have not done so and let the person keep the money. money sent the XXXX in the evening and i contacted them the XXXX i am supposed to be covered by their purchase protection program since i sent the money as goods and services. as ive had no contact with the seller and they have not done the work they were contracted to do. i also do not have the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on XXXX, Equifax and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on XXXX, XXXX and Experian reports.

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
i have contacted all 3 credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) " ...... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... XXXX.this account has been re aged..this is a major violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.

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 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a timely dispute of a vendor transaction for XXXX amex didnt submit it timely. 
then we submitted it a second time with a promise that if the vendor didnt respond, they would refund me. 
The fraudulent vendor of course didnt respond, but amex refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MA

Complaint narrative:
The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).

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 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Smart Money Alliance
State: MD

Complaint narrative:
XXXX XXXX masquerades as an XXXX official who provides financial literacy, business loans, grants, and credit counseling for minorities. He operates at XXXX. He also operates at smartmoneyalliance.org. He claims to be given an XXXX XXXX XXXX  to help minorities. 
This company is simply a front to con minorities into getting high interest loans wherein he gets 10 % of every loan approved. 

As well he charges an upfront fee of at least {$2500.00}. Recently he stole my signature and initiated an ach withdrawal of weekly payments which I just contacted my bank about. 

His companies are XXXX, smartmoneyalliance.org, and XXXX XXXX XXXX. All are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
XX/XX/XXXX, of 2021 I spoke with a representative and negotiated a settlement to close the card. The representative set-up payments on XX/XX/, 2021 in the amount of {$110.00}, XXXX XXXX, 2021 in the amount of {$110.00} & a final payment of {$110.00} on XX/XX/XXXX. Each payment was made timely. 
In XXXX, I started receiving collection calls from Milestone stating my account was past due and they needed a payment. 
I spoke with a representative late XXXX, 2021 who looked into the " history '' and said the initial representative did not " complete the settlement paperwork ''. 
The representative said they would need to " contact a different department to investigate '' someone was suppose to call me back in XXXX hour to discuss. No one called. But, I continued receiving collection calls. 
I have since called XXXX different times, XX/XX/XXXX & XX/XX/XXXX and I'm being told the same story of a XXXX hour wait. 
On the XXXX, I spoke with XXXX at ( XXXX ) XXXX Who " could not provide me a time of resolution ''. She then put me on the phone with a supervisor named XXXX who said nothing could be done & again, I had to wait another XXXX  hours. 
This is extremely frustrating and my credit report is taking a negative hit. 
I would like resolution to this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from EOS CCA in reference to an alleged amount due to XXXXXXXX XXXX for {$68.00}. To my knowledge, I have never agreed to do any business with EOS CCA. As of my right, please provide written validation of any business agreement with your agency ( EOS CCA ) per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
1. On XXXXXXXX XXXX XXXX, I opened up a XXXX account with three lines for my immediate family ( my mother, myself, and my sister ). We were considering switching providers from XXXX XXXX. I was in XXXX, XXXX at the time. 

2. Within two weeks, we realized that XXXX service wasn't going to be a great fit. I contacted XXXX to cancel the line on XX/XX/XXXX There was minimal data usage ( < 5MB of data per line ) and no voice usage. The representative assured me there would be no charges. 

3. On XX/XX/XXXX XXXX, my XXXX XXXX credit card was charged {$100.00}. 

4. On XXXXXXXX XXXX XXXX, I contacted XXXX. The XXXX representative refunded the {$100.00} given that the line was not used and assured me that the account was closed. I've attached the audio for this call ( XXXX XXXX cancellation.mp4 ), with the representative assuring me of the refund and account closure starting at XXXX. 

5. Late XXXX, I move to XXXXXXXX XXXX  to start graduate school at XXXX. I am no longer receiving any correspondence at my XXXX XXXX address. 

6. On XX/XX/XXXX XXXX, I am charged {$100.00} for a line that had been closed for over a month. I submit a dispute with XXXX XXXX and am credited the full amount. 

7. On XX/XX/XXXX XXXX, I receive notice from Amsher ( debt collections agency hired by XXXX  ) that my XXXX account has been sent to collections. I never used XXXX  service, and provide documentation of the phone call and credit card statements. 

8. On XX/XX/XXXX XXXX I  receive another call from Amsher and am now filing the complaint directly with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Today I received an e-receipt from Nordstrom 's in XXXX, CA via my email. I will attach it. I was not shopping anywhere today and have been home in XXXX, CA. I called their store a few hours ago and they only made an incident report. XXXX. It should be reported to the fraud dept. It appears the card used is similar to mine. My ends in XXXX, and the e-receipts shows card ending in XXXX I. This seems suspicious and appears to be fraud.

Company response to consumer: Closed with explanation