vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I was contacted on XXXX by account XXXX ( XXXX XXXX ) as well as on an app called XXXX under the same alias. I was also contacted via text message ( detmined to be text now accounts ) from these numbers : ( XXXX ) XXXX, ( XXXX ) XXXX I was asked to send pictures for money as a weekly agreement and I agreed to do so, as i have in the past with other people and not had any issues. Then I was given contact information with " account manager '' XXXX XXXX ( XXXX ) and emailed a check for {$3700.00} and asked to transfer back {$2000.00} ( using the app Zelle ) to the account of XXXX XXXX ( XXXX ). 

I transferred back {$1000.00} on XX/XX/2021 to the aforementioned account. The check was deposited via mobile deposit on XX/XX/2021. 

The check was then determined to be fraudulent and the {$1000.00} transfer had already gone through resulting in a overdrawing of my account. I have filed with the bank but, there is nothing they can do except for put in that the account wa a fraudulent account and I am still held responsible for the {$1000.00} transfer as well as now getting involved in an investigation for money laundering which I am not doing. ) and ive since been in contact with the aforementioned people and they just keep saying its not fraudulent. I am now overdrawn with a frozen account and a 6 month holding of 7 days for every deposit lock, in the middle of a pandemic, while I am not home because I am in U.S. XXXX and stationed elsewhere than my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. Transunion score is almost 80 point lower than XXXX and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX  would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than XXXX and Equifax because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
KIA Financial has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to KIA Financial to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.

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 2021-02-21 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: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX Bridgecrest account listed under XXXX XXXX XXXX maiden name )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo advertised confusing covid19 forbearance. Was taken off forbearance early, and with no notice. Resulted in a late payment being reported 30 days late as I was unaware payment was due. When I complained to executive office, XXXX XXXX responded by saying Wells Fargo wouldn't help me remove the late payment, and would in fact add a second late payment. This felt like extortion. The card was secured. Why wasn't the account closed if I fell behind? I also requested information about any federal agencies Wells Fargo reports to to file a complaint, but they refused to disclose who they report to.

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 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
My servicer paid my property taxes late. Taxes were due on XX/XX/2020 in the amount of {$17000.00}, but the servicer paid the taxes on XX/XX/2020 with late fees and loss of discount in the amount of {$17000.00}. I contend that the servicer is responsible for the {$610.00} discount loss and fees. 

The servicing of my loan transferred to the new servicer Fay Servicing on XX/XX/2020. I realized on XX/XX/2020 that they had not paid the due taxes on time and contacted them that the taxes were late. 

My requests for credit of {$610.00} are being dismissed by their representatives. I call them, wait for hours on hold, get a representative in a different country who can't help me, then wait on hold longer until I get a US representative who tells me Fay Servicing isn't responsible to reimburse me that difference. US representative " XXXX '' reviewed on XX/XX/2020 reference number XXXX. This seems to be a clear violation of " timely payments '' in RESPA. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to XXXX XXXX to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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 — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans union charged my card for a subscription that I did not sign up for, they charged my card XXXX and refused to credit my account! I canceled my account but I want a refund!

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 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
eI am having a problem where i come out with a judgment entered in my name in New york state. I have been a victim of identitiy theft. 

I contacted CACH on few ocassions to send them a copy of the Police Report so i can get a release of lien and to no avail have i been able to get the matter resolved. My Social is XXXX I never opened that account and its showing a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: MO

Complaint narrative:
To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX XXXX account listed under XXXX XXXX ( maiden name )

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 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have called 10 to 20 times and stated the issue, with no resolution.

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 2021-02-21 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: DISCOVER BANK
State: GA

Complaint narrative:
Also attached this as pdf for better readability : Item No. 1. UNFAIR : Credit account mentioned above in reference is closed. 

Detail : Your Company has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. 

XX/XX/XXXX During my call to your support center, your representative told me that your account is good standing and keep using it. 

XX/XX/XXXX I tried to use my discover card and for the small transaction of XXXX dollar and it was declined. I did not understand the reason. This very day, I called your support center to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. 
This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. 

XX/XX/XXXX I received statement I have credit balance of {$17.00}. 

XX/XX/XXXX I was notified by the bureau of significant decrease in my credit score Item No. 2. UNFAIR : Hard Inquiry by your representative on XX/XX/XXXX, further dropped my credit. This action was NOT required. As the situation is UNFAIRLY handled by your company and I was misled. 
Item No. 3. INACCURATE : Credit report has comment on closure of Discover credit Account closed at consumer 's request I have never called in and did not act to close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a victim of identity theft -My PayPal Debit/Cash Card and/or Account information was used for unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX of XXXX ( my card was not lost or stolen ) which totaled nearly {$1000.00}. 

I contacted PayPal Customer Service on XX/XX/XXXX and was advised to wait until the charges were processed and then individually dispute each one. 

During the dispute process, I noticed several more charges that were not listed in my Account Activity. - I downloaded my Account Transaction History and verified the unauthorized transactions ( including the cloaked charges ). 

I am unable to dispute the cloaked charges ( which are half of the unauthorized charges ). 

Transaction IDs on my Account Activity section do not match up with Transaction IDs in Account History. 

In Transaction History ( not Account Activity ) a majority of Income deposits were marked from PayPal Inc. instead of original sources ( FL DEO and XXXX  XXXX ). 

I have filed a report with the FTC and the local police, contacted the credit bureaus, and XXXX ( as I pay them to monitor my account and Identity ). - I will be hiring a professional accountant to go through all of my PayPal Transaction History. 

I am enclosing : Account Transaction History for XXXX and XXXX of this year. 

Proof of Cloaked Transactions. 

Proof of Transaction IDs not being correct. 

Copy of Report to FTC ( which contains local police report information ). 

[ Note : This entire process regarding PayPal and Identity Theft, has been absolutely draining, time consuming, and has caused a lot of financial and emotional stress. I have been having to use Credit Cards via another bank due to the fraudulent activity, which has had a negative impact on my Credit Report - In which in XXXX I spent a lot of time repairing and improving- only to be back at square one. ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT 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 2021-02-21 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: NC

Complaint narrative:
XXXX, equifax and XXXX  reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.

Company response to consumer: Closed with explanation