vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
CFPB : I have been a Victim of the 2017 Equifax Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX  XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
CFPB : I have been a Victim of the 2017 XXXX Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company Experian is not responding to consumer feedback emails. They are not reachable via telephone..

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 2020-12-06 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: TX

Complaint narrative:
I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 
In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.

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 2020-12-06 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: TX

Complaint narrative:
I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.

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 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Trans Union about the personal information on my account and they refuse to correct the inaccurate information, my correct name is XXXX XXXX not XXXX XXXX XXXX. 
XXXX is my wifes name. I HAVE NO PHONE AT THIS TIME due to a protection order i have in place on another person. 
I WANT THIS CORRECTED ASAP.

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 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
The following company has continued to report this false account to my credit file. This account should be removed from my credit file, I plan on moving forward by bringing this information forth to a judge in my area.

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 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX who utilizes this website called : XXXX. I wanted to pay $ XXXX/month for the use of their services to showcase a website on their system. The credit card company declined my ability to pay for their services on both my Wells Fargo card and my XXXX card. That means that the system profiled my identity online in terms of how I use my credit card in a manner which is in violation of Federal laws concerning illegal profiling.

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 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Hello, In Mid XXXX I switched from a XXXX Insurnace policy with one Insurance Company XXXX to another XXXX XXXX XXXX. I did notify the XXXX  XXXX Mr Cooper of the insurance switch and did provide the number of the new policy with XXXX and the XXXX contact information. In a couple of days I checked whether XXXX did update the insurance in their system and was unpleasantly surprised to discover that they did NOT. 

I provided all of the above information to them again, called my new insurance company XXXX and asked them to send the insurnace policy information to XXXX for the second time. 

Today I on XX/XX/XXXX opened a letter from XXXX mailed on XX/XX/XXXX which says that since my previous XXXX insurance expired and I did not provide them with the insurance information they will buy the insurance for me. This is a clear cut false statement and in my opinion an attempt to sell me an inferior insurnace product at inflated prices. 

I did feel very upset and cheated when I received this letter from XXXX, on the first glance they seem to be a respectible Mortgage Company but I have my serious doubts. 
If other consumers with XXXX have a similar experience as I did then I feel that a serious investigation by a Governmen Agency is in Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am a victim of someone claiming to be me and started service with the power company at a completely different address, I was never informed of this other account until I got a final bill after the other address had already had the power shut off and bill never paid. And it was a completely different account number. Then I had to file the police report and fight to prove my innocents. I finally get the case closed and found that I was a victim of FRAUD, Identity theft. Only to now find it on my credit report for up tp 8 years Unacceptable ... After this is taken care of I need to know whom I contact for a lawsuit regarding punitive damages, harassment etc? thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
A security deposit was taken from my credit card for a car bidding website. The merchant falsely accused me of bidding on and winning a car on my account to keep my security deposit. I never bid on the car they company said that I did. When I contacted the company they told me lies and refused to give me a refund. My bank said that I have to get the merchant to agree that I get a refund so they disapproved my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I paid for an apartment in Colorado through the XXXX XXXX XXXX, which is connected to my Regions Bank account. The scammer sent me a lease which made things seem legit. XXXX being connected to my bank was also reassuring. I sent {$1500.00} for an apartment that did not belong to the scammers. As soon as I realized what was up, I got the local police involved. The police found that the apartment I was trying to rent was owned by someone else in another part of Colorado. They had no idea someone was trying to rent out their place. And now, neither XXXX nor my bank, Regions Bank, have helped me. If XXXX hadn't been connected to my bank, I never would have used it. The banks that partner with XXXX should be held responsible for fraudulent transactions. It's obscene that there is no accountability for XXXX. After I was scammed, I read that I was not the only one. Whole websites have been developed to help people that have been defrauded by the company and by association, their banks.

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 2020-12-06 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I am an XXXX XXXX veteran and a XXXX XXXX sworn to protect the public. Wakefield & Associates is knowingly and willfully reporting a fraudulent collection to my credit report. Why their license to do business has not been revoked after numerous complaints is beyond my comprehension. 

While residing in California I was rear ended in my car in XX/XX/XXXX as I waited at a red light. The other driver was 100 percent at fault. Due to the severity of my injuries and the damage to my vehicle, I hired a personal injury law firm who immediately entered into litigation on my behalf. I was hospitalized, sent to therapy, and saw various specialists and healthcare providers as a result of the accident. ALL medical bills were the responsibility of the other driver 's insurance carrier until a settlement could be reached. 

Wakefield and Associates illegally and fraudulently reported a related medical expense of approximately {$100.00} to credit reporting bureaus, severely lowering my FICO Score which has damaged me financially. I disputed the collection with XXXX on XX/XX/XXXX, the dispute number is available if needed. The dispute results indicate Wakefield and Associates verified the collection as being valid, which is easily proven false! 

Because of Wakefield & Associates ' fraudulent reporting practices and the state of Tennessee 's refusal to revoke their license despite numerous complaints against them and the lives they continue to adversely impact with their fraudulent practices, to date, XXXX refuses to remove the erroneous collection based solely on the word of this fraudulent reporting. 

Hold, in my opinion, this corrupt, unlawful, despicable business accountable. Force them to remove their unlawfully reported collection from everywhere they reported it IMMEDIATELY! Because of this and the multitude of complaints against them, I further request revocation of their license to conduct business and their executives be put in prison for reporting false information resulting in financial hardship for unsuspecting consumers. For each individual who takes time to monitor their credit report, dispute information, and file a complaint against this company, I imagine there are many more who have been adversely impacted, unlawfully, by Wakefield and Associates just as I have been.

Any governing body or oversight institution that allows this to continue is complicit in Wakefield and Associates ' unlawful and unethical practices. Imagine what may have happened if I was seeking employment with this collection on my reports? This matter needs to be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
they lied, and make up false claims about being late. they hurt my credit trying to refinance. shell point screwed my credit up big time. never been late, says my bank, they lied to all the credit companys. they XXXX you up to trap you. I paid my own taxes, paid home owner insurance. also paid my flood insurance. no credit given. they keep adding fees, and ignore consumers. this company needs to be shut down. The XXXX XXXX XXXX also says there not doing buss. right. p, lease help, there are hundred s of people and families suffer from shellpoint. there a very bad company, the government needs to investigate them. i really want to sue them, for lies, and ruining my credit ... .I have all the papers to prove all this ... ..harrassing my family, calling me on sat.s and sun.s

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
I am writing this letter to complain about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX and the collection agency shot the inaccurate balance that they reported on my credit profile. The collection agency is Mutual Management Services located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Fl XXXX. 

I rented at XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX, 2020. On XX/XX/XXXX, I moved out of the unit. At the scheduled inspection time, which was suppose to be XXXX that morning, but couldnt be completed because the unit was not yet empty. The assistant property manager, XXXX, in the presence of myself and the maintenance person, told me that I could leave the unit key on the counter after move out because they would be closing at XXXX and closed the following day, which was Saturday they would complete the move out inspection with me. I sent an email to XXXX stated that I had left the unit and the keys were on the counter as discussed earlier. The move out inspection never happened. I reached out to the manager multiple times by phone and email regarding this matter and the final balance. Theyre excuse was they have been very busy and I would receive my final balance statement via certified mail. 30 days after the move out. I received my move out balance. You did not provide a full and specific statement of alleged damages and repair costs within 21 days of when I moved out. You only provided estimates of repair costs. Under a court case called Goodwill v. Madison Real Estate, these estimates are not good enough. You did not comply with the law. The management team had taken my {$500.00} deposit and charged me for alleged damages to the unit. Per emails with XXXX, the general cleaning fee is {$120.00} the carpet cleaning fee is {$80.00} and the painting was cost was not specified. Per XXXX, we will need to complete the inspection to determine if the unit needs any kind of paint. However, I did agree to pay for the cleaning out of the {$500.00} deposit. Once I responded to the inaccuracies, the manager then wrote back with additional charges resulting in a higher balance and stated that the case is closed and I needed not to respond. Then on XX/XX/2020, I was notified by a credit bureau XXXX  that I have a new collection for the amount of {$760.00}. The company owes me the remaining balance of my deposit which is {$270.00} after the cleaning fees were deducted. I am not responsible for the following alleged damages because there was no damage ; there was only normal wear and tear to the paint and to the carpet. The company also claims that I never provided a new mailing address which was provided on XX/XX/2020.

Company response to consumer: Closed with explanation