vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX CMRE. XXXX XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

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

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

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: WV

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

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

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

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NJ

Complaint narrative:
N accordance with the fair credit reporting act XXXX  account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-15 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: NJ

Complaint narrative:
N accordance with the fair credit reporting act XXXX account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

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

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

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i would just like to complain about how stupid the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged on my Chase credit card for an XXXX XXXX XXXX XXXX that I had ordered and a different inferior one was substituted of XXXX XXXX  and was sent to me by this company. 
Chase said they looked into this but did not rescind the fraudulent charges for this XXXX I found out later this company ( XXXX XXXX XXXX XXXX ) seems to makes a practice of fraud, misrepresentation, and bait and switch tactics The charge a was {$75.00} and placed back on my account XX/XX/22 As for the mistrust of Chase I will discontinue using this card, for now at least, as well as never with this cheating XXXX XXXX. 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an FHA loan with SunTrust mortgage now Truist. My father ( now deceased ) was the co borrow on my loan but not living within my home. The past year, since XX/XX/XXXX, SunTrust has except and authorized a billing address change over 20 time from an unauthorized and unknown Individual via USPS postage card requesting a '' change in billing address. '' I have spent over 24 hour in total this past year trying to address this issue with no resolve. I spoke with a XXXX today, in which my XXXX mortgage statement and paperwork for a Forbearance where sent to 2 different addresses which 1 was my deceased fathers whom passed on XX/XX/XXXX. The other address is my paternal grandmother I am astranged from. 

2nd, I have requested Truist remove my fathers name from the loan in attempts to stop my mail theft. I provided Truist on 2 dates via 2 different methods copies on my fathers death certificates and my birth certificate.

3rd, Truist has failed to process my forbearance and or Covid hardship form within the allotted time frame. It has now been almost a month I can not get answers from the Truist customer service phone workers.

4th, I am missing a {$100.00} check which was issued to myself for a bad check SunTrust disbursed for escrow back in XXXX XXXX. ( XXXX from XXXX location spoke with )

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was robbed I never even had a pin to this day I dont even know they pin I also have a police report and they wont help me or give me any of my money back

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 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. The email I used for my Mercari account is XXXX. 
I ordered a monitor off of Mercari, a selling website where people can make listings for items. I ordered a monitor that I confused with another model, and this person 's particular page didn't have the exact specifications of the monitor, so no details about resolutions, or if their internal features were working, it was just listed as working as a whole. It said on their selling page that it would come with its mounting stand. 

I received this package and it came without its mounting stand, and a defective XXXX module inside of it, not letting me use a proper feature of the monitor without messing up the imagery on the screen. I promptly contacted Mercari for a refund because this was not what I was expecting, and they asked for pictures of the monitor which I gave them. They then said there was nothing they could do and refused to give me my money back, and marked the purchase as complete and the return was denied. I need that money for my tuition. The monitor was {$410.00}, the warranty purchased alongside that was {$29.00}, both purchases were made on XX/XX/2022. The item ID for the monitor is XXXX. 

Please help me. I need my money back for college. Mercari is refusing to give me any compensation for it and I have a monitor I can't use now. The seller wants to accept my return but Mercari doesn't want to accept it. Please please help 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 2022-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TN

Complaint narrative:
When I signed up for payments through Edfinancial the representative stated my loans would be paid off in 10 years. Also, during Covid I told them to continue to deduct my loan payments after I got an email. I looked today at my tax documents and they have not taken 1 automatic payment since XX/XX/2020. This institution is very fraudulent and need to be sanctioned heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX, a store clerk at XXXX XXXX pulled up an account when I said I didn't have my XXXX  card with me. Unfortunately, they pulled up an unused acct that I had not used in years. When the bill came in the mail, I used my usual bill pay account to pay the bill in FULL. When I got a second bill, I figured the moneys must have crossed in the mail. When a bill arrived on the third month, I again paid it in full on my usual account. When I rec 'd two statements for XXXX XXXX a fourth month, I realized I had a credit of almost {$400.00} on one statement and a past due on the other. I figured out I had been paying the wrong account and called XXXXcredit card company. I asked them to please use the funds from the amount of credit to pay off the one account and send me a refund for difference. I called again a week later to find nothing had been done and asked again. Weeks went by. I wrote a letter requesting thed refund. The company refused to refund any of the bogus charges they made, issued me a refund for maybe 50 % of the amount due. In the meantime, my XXXX score was lowered over XXXX points, XXXX XXXX canceled my card, and it will take months if not years to repair my credit. I want a refund of the entire amount I paid in good faith to XXXX  minus the {$130.00} in goods I purchased. The CC has refused to respond or issue a full refund. They believe they have the right to keep monies for late charges, interest, etc. They also did NOT accurately resolve all issues with the 3 credit reporting companies which continues to be an issue with my credit scores. I want ALL negative information removed from my credit reports, not just 2-3 months worth.

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
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I opened a business checking account for my small business 20 years ago with Wells Fargo. For some reason at the time they required me to open a business savings account in addition to the checking. I haven't used the savings account in all this time, but I recently closed my checking account. Today I got the statement for the savings account which reminded me I needed to close it too. I tried to do so at a Wells Fargo branch. The teller said I wasn't authorized to close it, as did the banker. They said I was listed as an " employee '' on the account instead of the owner. I told them I've always been a sole proprietor and never had any employees. They said it was an error in their system. I asked them to fix the error and allow me to close the account immediately. They refused, saying they had to investigate their error before allowing me to close the account. I asked them to use the same criteria that allowed me to recently close my checking account to close the savings account ( since the accounts were linked ). They refused. First they forced me to open an account I didn't need, now they won't let me close it. Shameful business practices from a notoriously shameful company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 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: AL

Complaint narrative:
Equifax has somehow deleted my entire credit report and creditors are not able to access my credit. I noticed this back in XXXX XXXX which I placed a call to their customer service department explaining that I could no longer access an updated copy of my credit report. I have important financial transactions that have been declined due to their carelessness handling my credit report. I called now three times and the customer service representatives are saying that they have nothing in the system even after manual attempts to locate my report. Today XXXX states that she can't see anything at all. I am asking to have Equifax regenerate my Equifax credit report and delete the fraud alert as well that I have asked them to remove several times and it is still reflecting. I have attached my identification information and the last Equifax update in hopes that this helps get my issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
After reviewing my credit reports I noticed an alleged debt on my reports. I have contacted this company along with the credit bureaus to get the issue resolved and both parties have failed to cooperate with me. I have asked the companies to provide me with proof that this alleged debt belongs to me and they have failed to do so and just keep updating the account on my reports. I have made 3 attempts on resolving this issue with the company and bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022

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