vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-20 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: DC

Complaint narrative:
This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!

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 2022-03-20 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  SS # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I received a notification that a collection account had been placed on my credit report in the amount of {$550.00}. According to my credit report ( since I never received anything directly from this company ), it was from a recent apartment complex that I lived in last year. This was shocking to me because I have never received ANY communication from this company and had no knowledge that this account was due. I was not informed by the initial company saying I owe the debt, neither was I contacted about this debt from the debt collector until I saw the collection on my credit report. I then reached out to this creditor via certified mail at the end of XXXX requesting a response and a debt validation letter. It is now the end of XXXX and I still have not received any calls or documentations proving that I owe this debt. However, it is still showing as a past due collections on my credit report. 

I never received any documentation from this company letting me know that this account was due. I was never given the chance to dispute this debt. I was never given the chance to possibly settle the debt before the lasting effects of putting a collection on my credit score for the next 7 years. This can not be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My husband was XXXX  for over 3 months due to XXXX. During this time I fell behind on some debts. I didn't receive notice of the delinquency and don't know what this debt is for. We are struggling on one income since my husband is still requiring XXXX  to function and unable to work. This has caused us a true hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Venmo froze my account for no reason! XX/XX/2022 I received an email saying that my account was frozen and to verify my identity which my identity has already been verified. They then told me that wasnt the problem. That the problem was a series of activities that happened recently with my account which doesnt make sense because I barely use the account! Even while my account is frozen my bank transfer of XXXX was added to my Venmo balance. I already had XXXX dollars in the account when it froze. So now I have XXXX dollars in a frozen account that they refuse to unfreeze. I did not violate any terms of their agreement for my account to end up frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.

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 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
I am writing to you from XXXX. My name is XXXX. I am writing because of the problem I have with the cryptocurrency exchange known as Coinlist. Customer service has not returned to me for 10 days. The company seems to be in California. I tried many communication ways but no result. To which e-mail address or organization can I complain about this problem? I will be glad if you help me. 
Best regards.

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 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: SC

Complaint narrative:
This collection agency Southwest Recovery Services put a negative entry on my credit report and violated the law in XXXX XXXX XXXX- Statue of limitation ( XXXX  years ) and XXXX attempting to collect a debt that is not mine. I will be filing a legal action against both the original Creditor ( who failed to properly identify the person who used my identity and Southwest Recovery Services for their violation to the XXXX and Lack of understanding to interpretation of the law referenced above and causing me harm by lowering my XXXX credit score by XXXX XXXX I have never missed a bill in my life and in fact before they are due. Southwest Recovery and as a XXXX  party has no rights by any means to cause me all this and they will be the main party in my legal action due to the fact I have notified them when they sent me an email in an attempt to collect this debt. I advised them that this debt was not mine to begin with. This debt was in relation to a business in which I had no affiliation with and did not even live in the state in which this debt occurred. I have filed the appropriate reports with authorities and provided such to Southwest Recovery Services. 

This needs to immediately be removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My account is frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refuses to remove reinserted fraudulent information reported by XXXX XXXX XXXX and instead updated comments not authorized by me. Experian also increased and changed the amount of the item by one dollar to reinsert this back on my file and failed to confirm how they came to the conclusion that the information was accurate. This debt is not mine and I have provided relevant and factual information to both XXXX XXXX, FTC, CFPB, and Experian. I am demanding the permanent deletion of this reinserted, fraudulent reporting and the restoration of my excellent payment history. 

Please also note that I am a resident of South Carolina and this is also a violation of the law in the State of South Carolina - South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years.

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 2022-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I am in the process of buying a home. They require student loan statements to show my monthly payment, but because of COVID forbearance I do not have a monthly payment or statements since XX/XX/XXXX, and the bank wanted something current. On XX/XX/XXXX, I submitted an IDR  request for the primary purpose of receiving a letter from FedLoans telling me what my monthly payment would be on XX/XX/XXXX. I also assumed, reasonably I believe, that I needed to recertify before payments began again. I was trying to do my due diligence and get the paperwork my bank required. 

A week later on XX/XX/XXXX I called Fedloans and explained I needed documentation urgently. On XX/XX/XXXX they sent me a letter explaining that my monthly payment was and would remain at {$400.00} through XX/XX/XXXX, and I provided this documentation to my bank- it is upon this information that they approved my mortgage application. It was not clear from this letter whether or not Fedloans was still processing the IDR request, and so on XXXX I called and asked to cancel that request. I explained to the call rep that I did not know until receiving the XX/XX/XXXX letter that I was not required to recertify until XX/XX/XXXX. The representative told me it's true that I was not required to recertify and that fedloans would be in touch with me about my cancelation request. 

Not only did I not hear from them about the cancelation request, but on XXXX  XX/XX/XXXX, I received a notification that the IDR request was approved and that my monthly payment would be increasing by {$160.00}. This is the opposite of what fedloans told me via mail on XX/XX/XXXX, and on the phone on XXXX, and differs significantly from what I told the bank. There are borrowers out there like me whose monthly payments will not change until next summer because they understood they did not have to recertify in the normal course of things- why should I have to pay more while those borrowers continue to pay based on what their payment was pre-forbearance? Why should I have to pay more when fedloans represented to me even after the recertification request was made that my monthly payment would remain at XXXX XXXXXXXX/month until next XXXX? Why should I have to pay more when I did not understand I was not required to recertify until XXXX of XXXX? Why didn't fedloans process or respond at all to my cancelation request? I need fedloans to revert my monthly payment back to what it was pre-pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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:
Ive been banking with WF for 15 years. I was a victim of a XXXX through Wells Fargo. 
I found complaints with all the different organizations including the cfpb and was denied my claim. 
I have discovered additional information regarding this case that Wells Fargo has closed. 
The text message the scammers sent me is on the same chain link of messages that Wells Fargo has been sending to me for years. That means the scammers hacked into Wells Fargo text message center..!!! 
Also... The authorization code the scammer sent me.. I did not approve that transaction, I was tricked and coerced into sending that money. 
Regulation E, And unauthorized ETF includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. 
I was fraudulently induced into sharing account access information by third party scammer. 

the bank must reimburse the money I lost through the scam

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