vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Since XX/XX/2021 I have received 600 to 900 automated ( recordings ) from SYNCHRONY BANK of Utah and Florida. 
XXXX or XX/XX/2021 I had a scammer call me, he spent 1 hour on the phone representing himself as Pay Pal During this time he charged my account {$700.00} then {$1400.00} then he took it off my account. I was afraid he would put it back on my account so I called SYNCHRONY BANK and explained what had happened. They said they would have their Fraud Dept investigate it. 
The thieves then took out {$700.00} from my account. and I started getting the phone calls. 
I have spoke to one of the SYNCHRONY BANK representatives and told him what had happened. Nothing happened. 
I wrote 4 to 5 emails ands nothing happened. 
I have stopped putting items on XXXX XXXX I believe my items have been shown since this all this has happened. I had hundreds of items on line. 
I will no longer deal with XXXX XXXX or SYNCHRONY BANK. 
I have been with XXXX XXXX 30 years and have made over {$100000.00} in sales

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 2022-01-21 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: MN

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-21 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-21 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
XX/XX/XXXX a debt collection for {$160.00} was paid in full with Helvey and Associates with an old account with XXXX XXXX. it has been over 90 days and on XX/XX/XXXX I disputed the account listed as negative on my credit report to be removed. The company refused to remove my collections account even after it was paid in full over 90 days ago. This is violating the FCRA and prohibiting me from obtaining a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - Reference Number XXXX Date Filed XX/XX/2014 2014

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 2022-01-21 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: Avant Holding Company, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Avant card company charges fee on XXXX balance and if you dont pay fee they add late charge There is no customer service that ever answers you online are in person to cancel they always say I'll forward you to customer service but you can stay on the phone all day there is no answer I have emailed them used their website every way to try to get ahold of them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NM

Complaint narrative:
Will not update report status as paid in full

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 2022-01-21 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: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I had a COVID forbearance agreement with XXXX XXXX  XXXX XXXX Dovenmuehle Mortgage Inc. ) which ended XX/XX/2021. At the start of 2021 I contacted the mortgage company to end the forbearance and do a loan modification. They didn't send me the loan modification paperwork until XXXX. During that time I resumed my normal payments and called them multiple times to get the paperwork. After receiving the modification terms, I promptly accepted them and made the required three trial payments. After those three months the mortgage company should have promptly sent me the final approval paperwork to convert my loan into a 40 year loan at a lower rate. It's been over five months since then and they still haven't sent me the final paperwork despite me calling them multiple times per month. It's been around 11 months since this process was started while others I've talked to get it completed within 4-5 months.

Their call center keeps saying they'll notify the underwriter, contact a supervisor, or that they've already mailed the paperwork but it has never shown up in my mailbox nor have I ever had any mail stolen. I've confirmed my mailing address with them multiple times. The USPS sends me scans of the mail I'm about to receive and those have never had the final paperwork. I've received other mortgage related documents from the company during this time but still haven't gotten the paperwork they've ( falsely? ) claimed to have mailed me. They have refused to provide tracking numbers, refused to deliver the documents electronically ( even though the initial paperwork was provided both electronically and successfully through the mail ), and refused me from coming into the office to sign the final paperwork. 

Further, three months ago they started charging me late fees despite not being late on my payments. When asked, they confirmed I've paid on time yet said the late fees will continue anyway! They also told me to pay a lesser amount than what's showed on my statement, but that would only encourage even more fees so I've continued to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
XX/XX/2022, Hunter Warfield I am replying to complaint # XXXX. I have attached document that you attached to the complaint number above. Along with a letter that I mailed to your business. Be advised that you have already violated the fair debt collections practices act be providing me with a deceptive form. As the law states -15 U.S. Code 1692j - Furnishing certain deceptive forms- ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
About two weeks ago, I garnered the courage at XXXX to flee an abuse relationship to the opposite side of the country : XXXX XXXX XXXX CA XXXX I got into my car, got onto I-10 and began the 2500 mile drive to a new life. I had no job, no plans, just a few hundreds in savings, a car, and a hope for a better future. I stopped at a XXXX  truck stop fueling station in the middle of the night to take a shower in XXXX XXXX, CA, where I later realized I had lost the binder containing all of my credit and debit cards and bank documents. I started reviewing bank statements and apps, soon realizing that my Fifth Third bank card was being used all over the local area it was lost in. I attempted to stop the bleeding by calling XXXX XXXX  call center, but found that it is only open from XXXX EST, yielding me no other option than watching almost all of my funds drain by the time the call center finally opened. 

I called the bank, explained my situation, and was told that I could not receive a new card for three weeks at a minimum, and a provisionally fraud credit was promised within eight days. Its been now two weeks and have received no documents related to my case, no provisional credit, no assistance whatsoever, from the small town bank that I placed my trust in. 

Im facing some of the darkest days of my transition, and facing default on debts because of the fraud this other individual imposed on my account. 

Help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After sending the credit bureau multiple letters. I even decided to call and spoke with an agent who didnt speak really good english and I was hung up on with still no help. They are reporting an account on my credit report for XXXX XXXX XXXX account XXXX.I have NO CONTRACT with the company.

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 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX - I received a text from " Wells Fargo Fraud Alert asking if I attempted a {$3500.00} XXXX transfer '' I did not get a chance to reply to the text as within minutes I received a call from " Wells Fargo '' ( the caller had hidden their actual phone number and replaced it with the actual 1-800 number on my Wells Fargo card ).

The caller identified himself as XXXX XXXX with Wells Fargo, badge # XXXX. 
The caller then walked me through the process of filing a claim with XXXX for these fraudulent transactions ( {$1000.00} & {$2500.00} ). 
Once complete, the caller told me I would receive an email from Wells Fargo with a link & instructions for resetting my username and password within 30 minutes. 
When I never received an email, I called Wells Fargo and told the rep I needed to speak with someone regarding the fraud case that was just opened an hour ago. 
This is when I was informed there is no fraud case open on my account. which is when I realized the whole " filing a claim with XXXX '' was actually the scam. 

XX/XX/XXXX I opened the first claim with Wells Fargo regarding this unauthorized Electronic Fund Transfer. 
Wells Fargo claimed they have no responsibility because XXXX is a separate entity XX/XX/XXXX I escalated my dispute to the " escalations team '' at Wells Fargo XX/XX/XXXX Wells Fargo Corporate complaints department denied my claim for same reason. I disputed their findings and sent them a link to the CFPB FAQ page " Unauthorized EFTs '' Question # XXXX XX/XX/XXXX - Wells Fargo emailed me that they have completed their review and agree with previous finding they are not responsible. 
XX/XX/XXXX - I disputed this resolution again and asked if they read the info from CFPB. The agent I spoke to asked me to email the info directly to her. XXXX XXXX. 
I did, which opened a new Case number for my dispute. 
XX/XX/XXXX - I received an email from the new person handling my dispute which again says Wells Fargo is not responsible for XXXX transfer scam and they consider case closed. 
XX/XX/XXXX - I replied to email with a link to CFPB FAQ page and screenshot of " Unauthorized EFTs # 5 answer and " example '' ) I also left him a voicemail to call me to discuss

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 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CHOICE RECOVERY XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation