vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Someone used my name and social security number to apply for an apartment in another city. This individual was denied an apartment to rent and wrote a check for the application fee which was returned as insufficient funds. The apartment complex subsequently turned this information over to a debt collection agency and it is now showing on my credit report. This information does not belong to me and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XX/XX/2023 I ordered a golf skirt order # XXXX from XXXX XXXX XXXX online for {$120.00} on my Apple card. It arrived via UPS on XX/XX/2023. 

It was too large and had a few stains on it so I decided to return via UPS on XX/XX/2023. UPS ground tracking # XXXX to the address that was on their website... I had to pay {$13.00} for the return. The address to return from their website is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPS confirms they delivered it at their gate on XX/XX/2023 at XXXX The following month my Apple card showed no refund. I could not contact XXXX XXXX as they have no phone number to contact. So, I contacted Apple via customer service line and gave my tracking number and they said they would file a dispute. XXXX months later, the disputed amount was deemed in the merchants favor. Apple said that I RECEIVED the product, so I have to pay. I said, I RETURNED the package and have proof with a delivery receipt that the merchant got the return. I've been through 3 written disputes with Apple and 6 half hour phone conversations. Apple says I should just pay it so it doesn't reflect on my credit score. I believe this is a fraudulent company as I Googled the address their website says to send to and goes to an obscure place.I 'm not going to pay this amount as I returned it and have proof it was delivered. Apple is now reporting to my credit agencies as a 60 day late payment. As of today, my credit score went from XXXX to XXXX. I want Apple to return my original payment plus my delivery return fee. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviews my credit report and noticed several inquiries that I never authorized and was concerned that someone may be using my information without my consent to obtain good and services. I attached a list of the inquiries that I did not recognize. Please help me get this matter resolved in a timely manner. Thank you in advance.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company is furnishing inaccurate and false information on my credit report

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The company is furnishing inaccurate and false information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I C Systems Collections for committing identity theft. On XX/XX/. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given IC SYSTEMS COLLECTIONS yet alone XXXX XXXX. I have never opened any accounts with I C SYSTEMS COLLECTIONS or XXXX XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until I C SYSTEMS or XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and I C SYSTEMS COLLECTIONS continues to report this unauthorized account. I will file for litigation for actual damages caused andI C SYSTEMS COLLECTIONS will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. I C SYSTEMS COLLECTIONS is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX PNC bank deducted {$50.00} as bank fees from my account for a tool called XXXX XXXX  I did not sign up for XXXX XXXX  or neither do I need it. When I complained to cfpb complaint : XXXX Eventually they credited back my money but looking into my account on XX/XX/XXXX they debited my account for {$52.00} again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The account with XXXX XXXX is what Transunion keeps allowing to report on my credit file with them and through them while XXXX and XXXX has suspended reporting this creditor who purchases bad/old debt and harasses me for money. I've never done business with XXXXXXXX XXXX nor do they have my permission to report on my credit files. I have been flagged for my XXXX XXXX  Federal XXXX due to this illegal act and breach of the Fair Debt Collections Practices Acts.

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 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I was scammed out a considerable amount of money with the pretense that it was for medical equipment in the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are several unauthorized inquiries on my credit report, please DELETE the following inquires. I did not authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are several unauthorized inquiries on my credit report, please DELETE the following inquires. I did not authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MD

Complaint narrative:
On Wednesday XX/XX/XXXX, I received a phone call from MRS BPO regarding a debt for XXXX XXXX. I had previously received multiple text messages regarding this debt, which I didn't respond to. I have never had an account with XXXX XXXX XXXX XXXX. I told the debt collector this and that I refused to provide them any personal information as the debt was not mine. They said I needed to contact the police department and open an Identity Theft case, and they ( MRS BPO ) would send me a fraud package to fill out. I need to include the police report number on the fraud package. 

I have never received anything in writing nor any phone calls or texts from XXXX XXXX about this debt. I never received anything in writing from MRS BPO. The day after I answered the phone when MRS BPO called, the collection began appearing on my XXXX and XXXX credit reports. I disputed the debt through XXXX and have attempted to with XXXX but have had some issues with the website. 

I have not reached out to XXXX XXXX. MRS BPO told me I could contact XXXX and verify the debt after I contacted the police and filled out their fraud package.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Merrill lynch is saying i cashed a check with another bank and how would they know anything outside of their bank or XXXX XXXX, neither bank is suppose to discuss a situation going on with me unless i give them permission, especially if they are assuming and they are a third party that violated my constantutional rights and i am going to sue for all of this going on, thats my money and i want it, their was no other check cashed cause it was cashed with merrill lynch XXXX the check cashing place was doing janky stuff and tried to deposit a check remotely when they did not give me the amount of the check but that's between me and them and the law if something was done fraudently.Which it wasn't, The check cashing place was trying to charge me XXXX so i changed my mind and deposited the check with merrill lynch not whith them they had copies of my check and i deposited my check on the XXXX of XXXX XXXXCheck cashing or banks don't even give you that amount of money at one time anyway you have to wait 5 days, Here is the checks that they sent to me showing they did not get my money merrill has it and i want it back now, before i sue .They are liars and thieves.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX MOHELA reported to experian that they were unable to locate me. But I have been in contact with mohela and made payments even though my loan are being deferred because I am in school. I havent changed my mailing addresses still the same one mohela has on their file. 

My credit score dropped because mohela reported they were unable to locate me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mobiloans, LLC
State: CA

Complaint narrative:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that Transunion, XXXX, and XXXX do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. Transunion, XXXX, XXXX, and XXXX XXXX received a demand for validation from me. As of today, XX/XX/XXXXXXXX  they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXXXXXX Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 I am reporting fraudulent found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 I am reporting fraudulent found in my credit report

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 2024-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint Mortgage Servicing has made many adjustments to my mortgage loan without explanation of the changes. On XX/XX/XXXX, a letter was received that Shellpoint imposed lender-placed wind insurance on my property. The annual premium for the lender-placed insurance is {$2700.00}. Shellpoint Mortgage Servicing paid a disbursement for this premium on XX/XX/XXXX of {$1100.00}. On XX/XX/XXXX, documentation was given to Shellpoint Mortgage showing proof of wind insurance from my HOA. Shellpoint only issued a refund of {$230.00} to my escrow account. Shellpoint XXXX then completed an escrow analysis on my property increasing my mortgage by almost {$300.00}. Shellpoint did not give an explanation for the initial disbursement payment ( dates of coverage, how the number was obtained, etc. ). 

Below are current questions/issues found with the errors that should be clarified/fixed : Shellpoint Mortgage did not give information about the premium being disbursed Shellpoint Mortgage gave an incorrect refund amount after proof of insurance was provided. 
My property is a townhome, which Shellpoint mortgage is aware of, and which the HOA covers wind insurance. Townhomes are covered under an HO-6 policy. 
The mortgage sold by XXXX XXXX to Shellpoint Mortgage, did not require wind insurance yet Shellpoint Mortgage requires wind insurance with no explanation. I have been asking for information for about 4 months now and still have not received any information. I sent a notice of error on XXXX XXXX with no further response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX I also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation USPS Tracking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief