vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information.

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2019 I was XXXX  to the country, I was so happy that I got my XXXX  and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information. 

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).

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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). 

Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/black of business with payment request. the last one on XXXX was requesting {$1100.00}. XXXX of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. 

I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and there proof is not acceptable. 

They have still not pursed this in court continues to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
To whom it may concern, I am deeply frustrated and concerned that I will not be able to buy a house because of Equifax. I have tried applying for a mortgage through two companies and both have had to close my application due to the lenders ' inability to pull my credit report through Equifax.

I was preapproved by both lenders and my information was received easily from XXXX XXXX and XXXX. However, neither lender has been able to access my credit report through Equifax. They received several error messages from Equifax stating " insufficient information '' or issues related to my address. I have called Equifax four times ( XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX. I verified all of my information with Equifax and still neither lender has been able to pull my report. I even requested a copy of my credit report to further check and all of the information is accurate and the same as what was provided to the lenders. Each agent at Equifax expressed that there is no reason my report would not be able to be pulled ; they denied any freezes, fraud, or concerns on their end. 

I submitted one complaint through this CFPB portal on XX/XX/XXXX and Equifax did nothing and closed the complaint. I called Equifax three more times since filing the complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to agents in the consumer complaint department and all three brought in supervisors to try to fix this problem. Nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have been charged with very high interest and my credit line was reduced.

My balance went from {$3000.00} to {$5200.00} I pay every month yet the company keeps reporting delinquent on my credit reporting which significantly reduced my credit score. They company have reduced my credit limit from {$9000.00} to {$5100.00} which makes my utilization insanely high. I have tried to contact the company on XX/XX/2023 and was put on hold then the phone cut off. I called back the same day and the same thing happened. I am always receiving phone calls threatening me with collection.

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 2023-02-08 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: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX XXXX -XXXX  XXXX -XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX -XXXX  & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX XXXXXXXX -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

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 2023-02-08 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: CARD Corporation
State: NV

Complaint narrative:
I received a XXXX withdraw on my prepaid debit card stated XXXX reverse transaction bc consumer. The prepaid card company stated it was a atm error from XX/XX/2023 from when i went to the atm and never recieved XXXX but the atm said i .did The withdraw from the prepaid card services was XXXX XX/XX/XXXX. They stated the atm made a withdraw and u took the XXXX out on a different date which means we had tk remove the money from your account. I stated none of thar make sense and I was given cash on the XXXX and the receipt shows proof. Phone rep stated no u didn't withdraw any money on the XXXX it was the XXXX and it's not showing the XXXX but it shows now XX/XX/XXXX so we have to take the money. I said that still doesn't make since and it sounds like it's a excuse to take my money. I said I have had you guys over XXXX  years and this is my XXXX time your company has to fraudulent stuff with my account. I talk to XXXX  bank branch because that's the atm I went to and they stated that reviewed there atm and nothing was wrong with atm and they don't know what the prepaid services card.com is talking about. The prepaid services told me oh well figure it out. I guess your out of XXXX deal with XXXX bank. Again XXXX  bank stated the XXXX is disputedable because I made no error and that card.com is finding an excuse to keep my money. 


This was the original email i sent to the company several time ( Good morning, my name is XXXX XXXX and iam a XXXX XXXX for the state of XXXX. Currently iam a member/card holder for card. Com services. The reason for my email is in regards to a XXXX charge debited from my account worded as manual refund transaction for bc consumer. When I caller card .Com a phone representative stated it was due to a systematic error from a atm. Phone representative stated XXXX  bank notated the account and stated it was a error with a withdraw submission for the amount of XXXX and had card.com withdraw XXXX out my account. Card.com stated it wasn't disputedable, they wouldn't do anything for me and for me to talk to the bank. XXXX phones XXXX  bank first of the incident and then went to a XXXX bank branch. I was in there for XXXX minutes with a branch manager. After reviewing my receipts, bank statements and history of the atm XXXX bank made no real error. They stated XXXX shouldn't of removed funds because even with the error the system still shows it was corrected therefore money shouldn't of been taking out my account. XXXX bank said the charge is disputedable and that card.com shouldn't of stated that. XXXX bank said everything was good in there end and that card.com shouldn't of took XXXX out my account. Respectfully I'm submitting proof and Respectfully asking for the charge to be reverse on my account. ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am finalizing a mortgage and XXXX XXXX XXXX ) XXXX from Equifax wont stop calling and texting me. The text number is ( XXXX ) XXXX. He told me that he wanted me to cancel what Im doing and change to their services. I said no thank you, please dont contact me. No thank you. Goodbye. He sent these texts in reply : This is XXXX again ( the guy you just hung up on ) I get why you'd want to hang up so quickly, so I can send you everything over text to show you what XXXX should be offering you so you don't over pay for something you're already doing. How much cash were you looking for and how much do you think the home is worth? 

I replied : Stop. Please dont contact me. 

He sent back : Ok. I'm sorry to hear you're willing to get racked over the coals by XXXX I replied : Do not contact me. 

He came back with : You don't have to leave XXXX but you can at least take the numbers back to them to get a better deal. 

I came back with : Do not contact me. Stop harassing me. Please leave me alone. 

He says : I'm sorry if you felt like this is harassing at all but I was just trying to save you money. I'll get your file withdrawn from my companies system but I can't control the others, so your phone will still be ringing all day. Also, sorry if you banker at XXXX didnt give you the heads up. Have a nice morning. 

I replied : What is your name, name of the company, and phone number? Businesses are legally required to provide this information per fair consumer financial protection law. 

Radio silence. He had nothing to say add or reply to that one. Please ask this guy to leave me alone. Aggressive sales techniques are not endearing and when I block his number he bothers me from another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX, Account name 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Potentially effected by Wellsfargo. I had a checking savings and car loan during XXXX. I have attempted to contact customer service.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
For over two years I had a renters insurance policy with XXXX XXXX. After a flood my very expensive smart phone was damaged & ruined. I filed a simple claim between $ XXXX as contractually entitled. THEY REFUSED TO PAY THE CLAIM! I IMMEDIATELY CANCELLED MY POLICY AND BEGAN THE PURCHASE OF MY HOME SO I DID NOT NEED RENTERS INSURANCE ON TWO COUNTS. 

THEY ARE RELENTLESS IN THEIR SPOOFING & COLLECTION ATTEMPTS FOR {$170.00}. I DON'T OWE THEM ANYTHING, FROM MY PERSPECTIVE, THEY SHOULD REFUND MY PREMIUMS FOR TWO YEARS & SEND ME AN APOLOGY TO MAKE THINGS RIGHT!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Flagship credit acceptance reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove from 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX 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

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 2023-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
in XX/XX/2022 XXXX XXXX XXXX transferred our mortgage to SPS they said there are no changes but we get charged {$15.00} a month which isn't included in our budget. Unless we put in auto pay which we can't because our Social Security checks sometimes doesn't come in until past the due date. This company won't change the due date as we tried many times to ask, If XXXX says nothing has changed well we are getting charged {$15.00} more. We have never been late with our mortgage I'm not understanding why this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation