vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: Netspend Corporation
State: WA

Complaint narrative:
On XXXX, A company called XXXX XXXX XXXX charged my account as following : {$5.00}, {$100.00}, {$18.00} and {$510.00} for a total of XXXX. I filed a fraud claim with Netspend and they denied my claim.

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 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
My father received a call from XXXX XXXX XXXX XXXX. He notified me, I called them back. I spoke to a Mr. XXXX who told me this was a payday type loan opened under my name for a company called E-Money. I asked for more information because I currently have a few other payday loans that have been opened using my name that aren't mine and I am working with my attorney for those. Mr. XXXX refused to give me any information if I didn't agree to pay it and said my wages were to be garnished immediately. I told him how could I pay anything I don't know about and explained this may be part of the other payday loans that are in my name fraudulently. I offered to have my attorney call. He reinforced that he would not be able to provide any information until I set up at least a payment plan. I refused and he hung up. A few minutes later, my daughter had a voicemail left on her phone from him that provided my private information such as date of birth and then said he would see me Friday. I have a copy of the voicemail he left on my daughter 's phone saved. This is threatening and scary. I am not aware of this account and just trying to get to the bottom of this. Calling my family including my daughter, and telling them my wages will be garnished and he will see me Friday is scary. My daughter is now convinced someone is actually coming to our house on Friday to do something to hurt me. It is just me and my two daughters that live here. I am in the middle of a messy divorce partially due to other accounts opened without my permission. This is unacceptable and not the experience I have had dealing with other collection agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items reflecting on my credit report. As of today, over 30 days later I have not received a response yet. It appears that Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so the inaccurate and unknown items should be deleted immediately. I demand these accounts be removed immediately or I will file for litigation due to the mental trauma and stress you caused me. My information was also impacted by the XXXX XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Since more than 1 year now I triy to stop unwanted emails from Transunion, like this one Dear XXXX, As a benefit of your CreditViewTM Dashboard membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your CreditView Dashboard membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the CreditView Dashboard every month to check your score and score history. Log in to your account now. 

Thank you for choosing CreditView Dashboard. 

Sincerely, XXXXXXXX XXXX this email came from Transunion : XXXX I am NOT a member of CreditViewTM Dashboard, I do NOT have an account with XXXX!!!! 

I wrote several letters to Transunion, to stop those unwanted mails : TransUnion LLC XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX I never got an answer. 

I can not log into an account to cancel it - because I do not have an account with Transunion!!! I never had!!!! 

I also asked XXXX several times, to stop it : XXXX transfers me to Transunion, Transunion is not reachable for me because they are asking for a 6 digit number which I do not have. 

PLEASE PLEASE STOP IT, otherwise I have to go to a lawyer, I am not interested in the creditscore from Transunion, my accounts are with 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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I sent the attached letter to Telecheck on XX/XX/2021 but the Post Office returned it to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are accounts on my credit report that do not belong to me. Please remove them from my credit report immediately!

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 2021-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
my late husband and I took out a home equity line of credit with PNC Bank of XXXX, Pa dated XX/XX/XXXX for a maximum of {$50000.00}. I do not remember the amount we took out but it has long been repaid. There was a security deed recorded in my county to this effect. I am in the process of selling this home and the closing attorney and I have been trying diligently trying to get a release of lien since XX/XX/XXXX. It took repeated calls to customer service to finally find out what we had to do to get the release. The attorney faxed at least two letters asking for help with no response. On XX/XX/XXXX we faxed a letter, signed be me, asking for the release and enforcing the fact that a hard closing date was XX/XX/XXXX. I called on XX/XX/XXXX and was told the letter was worded wrong, this after they had told me what to put on letter. The same day another letter was faxed per their instructions and once again asking for a rapid response. It is a simple matter to send a short letter stating that there is not a balance owed and that the lien release is forthcoming. A fax number and email address was provided. This is an account that I have no memory of as my late husband handled all this type business back then. The least this mega bank could do is respond quickly to a customer request as they expect their payments on time. Their lack of urgency will result in our closing date being missed and quite possibly losing this sale resulting in a financial loss to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are accounts on my credit report that do not belong to me. Please remove them from my credit report immediately!

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 2021-06-28 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: LA

Complaint narrative:
There are accounts on my credit report that do not belong to me. Please remove them from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express is reporting a debt on my credit file that needs to be removed. I recently took a look at my file and noticed that this debt is reporting on my file. I called and immediatley settled the debt with them. I however, never received any calls or notices about this debt which violates my 30 day right to dispute under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Money was transferred through XXXX XXXX, to my sister of the amount of {$1200.00} on XX/XX/XXXX of XXXX, but accidentally sent to an email no longer active under my sister 's name, so frost gave me a id pay number but the numbers weren't accessible on her end with her bank, so the amount was never received on either end

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I have a debt that Commonwealth financial contacted me for. We made arrangements to get this paid. I was contacted by them in XX/XX/2021. I started making my payment the day they contacted me. I have automatic payments that come out for this from my bank. They are still coming out. They have put this on my credit report. I have disputed it with all companies, XXXX XXXX XXXX They all have been removed but XXXX. All it did was update when I read my dispute results. But I read the dispute and they are still saying it's accurate but it is not. They are still saying that the balance is still {$420.00}. It is not because I have been making payments since XX/XX/2021. And they are still taking the automatic payments out. I want this removed from my credit report. I do not think it is fair that they keep updating my balance even though I am paying on it but they keep updating it as if I never made a payment and as if I'm not making payments now. I want this removed. I want to be contacted of also from sending this. my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Although all my payments were made including the current month of XX/XX/2021, I was reported as delinquent to the credit Bureau in XXXX, XXXX, XXXX and XXXX. 

I also received a letter dated XX/XX/XXXX, addressing my falling behind in payments and offering help. I made numerous attempts to find out what was the problem, but no one I reached could explain. 
Here are the results of attempts made in the last 7 days : 1. Many representatives left me on hold and eventually their calls was disconnected. 

2. One representative tried to resolve the balance, having me on the line for approximately 1 hour and 10 minutes, and even consulted with a supervisor during that time. He ended up getting disconnected.

3. A nother re
presentative tried to explain the amount due, but said she was going to send it to the " INQUIRY '' group. She asked me to call her back in 2 days and gave me her extension ( XXXX ). Two days later when I tried to reach her, I was told there was no such extension, and calls could not be transferred. 

4. All my request to speak to a supervisor/manager ended up on hold.

5. One request for a manger to call me back ; resulted in no call back.

6 No one was able to provide me with a number to their cooperate office.

One repr
esentative, answered my question, when I asked for a customer relation person, saying " What is that?

I am left with no other option, but to come to you.

In the meanwhile, my credit score and delinque
nt notes have caused a problem with my trying to refinance my home and my records as whole.

I actually found out about all the negative reports when I applied for re-finance.

So for ABSOLUTELY no reason I was treated this way. This company has only been my servicer for less than a year. 

I hope I can get this resolved as soon as possible. Thanks

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Shamrock out of XXXX Texas at XXXX continues to contact my employer after my boss has informed them not to on more than one occasion. I work for a district court, XXXX XXXX XXXX XXXX office. The district clerk herself XXXX XXXX already spoke with someone there and told them not to call again. This is a courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.

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 2021-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: DC

Complaint narrative:
To date, XX/XX/2021, Having paid {$1000.00} in payments for an emergency loan totaling {$500.00} during a global pandemic, I requested that Redwood Coast Finance stop taking automatic payments from my XXXX XXXX XXXX ( XXXX  ) bank account ending in XXXX for payments to my account number with your company XXXX. The company acknowledged my request but then threatened to report my file to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: MS

Complaint narrative:
To whom it may concern, I have a XXXX XXXX account that's charged off on my report that doesn't belong to me. I have no knowledge of the account and when I ask them to prove to me that it's my account, they're unable to but yet they still won't delete it from my report. I have spoken to the credit bureaus several times and normally when I call XXXX XXXX, I'm unable to speak with someone. I even hired a credit repair specialist to get the account removed and still, nothing! Recently a representative from Collection Bureau Hudson Valley called to speak with me regarding the account and I told them that I have no knowledge of the account. He stated that I needed to mail or email them a letter stating this and told me that emailing the company will get me a quicker response. I emailed the company on XX/XX/XXXX and still has not heard anything back regarding this matter. Per my credit report, the account was opened XX/XX/XXXX and charged off XX/XX/XXXX with a past due balance of {$120.00} and a total balance of {$280.00}. No payments has ever been made on the account because I do not believe in paying for anything that I'm not responsible for. It would be greatly appreciated if this matter can be handled as soon as possible. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have two fraudulent accounts now owned by XXXX XXXX XXXX that originated with Capital One Bank Usa. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: TN

Complaint narrative:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation