vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
My complaint is against : Vanilla Visa Gift Card ( Incomm ) XXXX XXXX XXXX, # XXXX XXXX, GA XXXX XXXX ; XXXX ; fax XXXX XXXX On XX/XX/XXXX, my daughter purchased online a {$500.00} Vanilla Visa card as a gift to me and my husband. She received a confirming email ( att 'd ) with an image of Card No. 
XXXX XXXX XXXX XXXX showing an " available balance '' of " {$500.00} '' ( att 'd ). This was a digital card -- no physical card was ever received. 

On XX/XX/XXXX I attempted to use the card for the first time to purchase a $ XXXX train ticket, and the card was declined as insufficient. I immediately called Vanilla at XXXX and was informed there were XXXX prior charges commencing XX/XX/XXXX through XX/XX/XXXX that totaled {$370.00}, leaving a balance of {$120.00}. I disputed the charges and was told I needed to file a formal dispute. Vanilla emailed me the form, which I completed and submitted to XXXX on XX/XX/XXXX ( att 'd ). Further, Vanilla put a " hold '' on the {$120.00} balance -- meaning I could not use the card for that amount. 

On XX/XX/XXXX I followed up with Vanilla and was told it needed 45-90 days to investigate. I requested that in the interim they send me a check for {$120.00} -- the balance on the card. I was told they could only do that if I closed my dispute. So, not only have they ripped me off for a {$370.00} they also refuse to send me the balance! 

On XX/XX/XXXX I again followed up with Vanilla and was to it was still " under investigation. '' I asked if they contacted any of the vendors, and Vanilla refused to give me any information and said it takes 90 days! 

Vanilla is obviously running a scam -- it is all over social media ( att 'd ). I only had a digital card, so this is not a case of data being scanned from a store shelf. Vanilla is either running a scam or has an internal problem -- either way, it is well aware of the problem and has done nothing about it. 

Further, I believe XXXX XXXX XXXX XXXX, is aware of the issue and has sat by idly while hard-working people are being ripped off and they are benefiting from fraudulent charges! 

I want my {$500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: NC

Complaint narrative:
On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted 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 non-monetary relief
Consumer complaint received 2022-07-27 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: NC

Complaint narrative:
On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SFMC L.P.
State: TX

Complaint narrative:
I have been trying to get a resolution for a modification with my mortgage for over 2 months with no end. Starting XX/XX/XXXX. I tried to call and make a payment with Service First Mortgage. After being denied to make payment I received a letter in the mail Dated for XX/XX/XXXX for a Face to Face Interview. Then another letter Dated XX/XX/XXXX and mailed stamped XX/XX/XXXX for a Notice of Acceleration with no Good Thru Date. When I called Service First they referred me to the Law Firm handling this account. I have spoke since XX/XX/2022 with law firm with a XXXX XXXX on the phone and thru email constantly with them and they were also having a difficult time getting information from Service First. After a month of correspondence with the Law Firm they finally received information and a quote for reinstatement. The Law Firm then told me to go to Loss Mitigation. I requested the packet and explained the situation that I work in the Oilfield and have to electronically sign documents due to the fact I work in areas where printers are not available. Then nowhere on the packet states that a electronic signature is not accepted, but now are saying that certain documents cant be signed electronically. My wife has called daily since XXXX to Service First and constantly gets several different answers from several different people in Loss Mitigation and Foreclosure. Foreclosure department even hung up on her. When she has asked several times to speak to a Supervisor no one calls her back. This is getting ridiculous and I need help. My Loss Mitigation was submitted on XX/XX/2022 with everything requested on application and now they keep giving me the run around. I need help! All I want is to get a modification to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I submitted previous complaints and requested a full audit of my credit card. Goldman Sach refused to fulfill my request stating they do not have the time or resources to conduct the audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Thank you.

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 2022-07-27 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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I asked the credit Beauru to do a verification of everything on my report. they did they stated everything was ok I did a thorough research and found improper inaccuraties on my account. 
In accordance with the fair credit reporting act XXXX  account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Johnson Mark LLC
State: UT

Complaint narrative:
The physical description of the person they delivered the summons to for XXXX XXXX and XXXX XXXX doesn't even match mine. These guys are collecting on straw man accounts. They haven't been able to provide a single signature on the accounts in question. To me, the copies of the bills are fake, the letter stating I was being informed that my information was being sold to XXXX XXXX and XXXX is made up, nobody can provide me with delivery confirmation receipts or certified mail receipt. Aren't even able to provide copies of payments they claim were made to the account. Where are copies of canceled checks or bank account numbers associated with payment? These guys steal money from people without any proof. I was able to create/duplicate these bills very easily with software. I think that's all they did and now they're just hoping people fall for their scam. 

Why does your website look like a XXXX XXXX XXXX put it together? You guys steal enough money that you should try hiring a decent web designer so, maybe people don't question your legitimacy. These guys are nothing buy thieves. 

I don't know who the blonde with perfect eye sight was that you gave the summons ' to but, it most definitely wasn't me. 

XXXX also is now illegally reporting my address to someplace in New Jersey and XXXX XXXX and Johnson Mark are now sending collection notices to my attorney 's personal residence. They don't even have my address because I'm afraid they will continue harassing me on these bogus debts. 

I have had to move as a result of their clients illegally sharing my address with people. 

XXXX XXXX  actually just freely handed out my attorneys address before I even mentioned anything about an address. This is why nobody has my actual physical address and nobody will. This is also how identity theft happens. These are accounts are all a result of identity theft and after dealing with these scam companies, I now understand why identity theft is so rampant. They just freely give out PII without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly

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 2022-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This time I did not call the bank until I reported it this morning via telephone and now reluctantly Im turning it in over unstable internet. But I have to get it turned in because I was charged fees twice this month have spoken to them multiple times and there should be stable interactions that can be pulled by your office ; I actually told the person for your services what happened but Im reporting via this way because that was informal communication ; not only was fees charged XX/XX/XXXX XXXX 2022 normally I call them they were charged XX/XX/XXXX XXXX 2022. Not this time! Im tired of them not protecting my account from illegal transactions even when the account is locked ; there has been multiple situations where I should have been referred for help to sue the businesses that were involved ; one was XXXX XXXX. That actually swiped the account 6 times in a few days time ; I called and due to it being me I feel they did not help ; Im not calling them n the account being in overdraft XXXX XXXX theyd have their money if they hadnt illegally took fees that were not owed ; I will not be using this bank account anymore thanks XXXX XXXX  was allowed to swipe the account even as it was locked no one can figure out how ; I never gave XXXX the router or bank account number only the card so it could be locked if there was a problem with their service and yes there was a problem ; none the less theres multiple illegal issues going on and talking to them doing fix the issues it continues

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX  is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.

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 2022-07-27 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: MD

Complaint narrative:
XXXX XXXX is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency XXXX, EQUIFAX, AND XXXX about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.Tennessee dept of human svcs, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As of XX/XX/XXXX my XXXX XXXX  Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX XXXX  to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, XXXX, XXXX, and Transunion update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted 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 non-monetary relief
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
As of XX/XX/XXXX my XXXX Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX Bank to the IRS on XXXX XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, Equifax, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As of XX/XX/XXXX my XXXX XXXX  Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX XXXX  to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX XXXX, XXXX, Experian, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX XXXX  is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted 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