vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
Calls about cash app that I do not have. They ask everyone to call XXXX - please put a stop to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative did not comply with my instructions. I informed the representative that I will be forwarding over supporting documents in writing by via USPS Certified Mail on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
CREDITACPT PORTFOLIO PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX DPT EDXXXX Are all negative accounts reporting on my file. They were not obtained by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Greetings I sent am email on XX/XX/2021 asking why my mortgage rate was going up again. It goes up every year. I didn't get an reply. But, before this I was getting calls to refinance and I said no. and then I was constantly getting harassed by this number XXXX. And He also text me XXXX XXXX to refinance. And when I wouldn't response I got an letter. A letter about my mortgage going up, because, they said, my taxes and Homes insurances went up. They also said, my home Insurance wasn't paid. However, my taxes didn't go up and even if it did, I don't pay taxes. I am not understanding this. Why have an escrow account if its always empty. I can pay my own homeowners insurance each year. Because they are terrible at this. However I thought I could paid the balance due at the end of the year, if I was short. This sounds fishy. I also emailed XXXX XXXX on XX/XX/XXXX at XXXX. XXXX XXXX XXXX. I didn't get an reply. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I original sent a letter on XX/XX/21 to Experian regarding child support. First off this account with child support has already been paid in full and is past the SOL for reporting. And Experian is even reporting a negative payment history which is damaging my report Im requesting deletion of account l. I even sent a follow up letter and still didnt receive response

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 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Ive been getting repeated phone calls from Phoenix Financial threatening me to pay {$1000.00} or they will put it on my credit report. 

I dont know this company never done business with this company this company do not have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: IN

Complaint narrative:
I received a copy of my Transunion credit report today XXXX XX/XX/XXXX ) and found 7 inquiries listed that I don't recognize. I spoke to the customer service representatives and asked that these be removed from my credit report. The customer service representative refused to remove them from my report and suggested I go to the Transunion web site for their policy. The representative refused my request and would not help in taking care of my request. I am writing to you to help me this matter as I will like I may be a victim of some type of credit fraud. 

List of inquiries : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent investigation back in XX/XX/2020. Recently last month, no sign of investigation nor information given. Everything has been tracked and showing in receipt. Per XXXX XXXX XXXX these debts I was never notified in 5 days. Im not aware of these debts and very unfair for XXXX to say I owe a debt thats NOT correct. I didnt get into contract with this company and I always pay ALL my debts. Also per XXXX XXXX XXXX, multiple violations have been committed. I have not got any information from the credit bureaus and have submitted investigations yet no information given and its been over the allotted timeframe per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX XXXX . I have tried to call this company four times and i can not speak to anyone. I have also tried calling XXXX XXXX and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive reached out to equifax twice once on XX/XX/2021 and Also again in XXXX regarding an account with child support reporting. Account is past XXXX AND HAS BEEN PAID IN FULL AND EQUIFAX HAS CONTINUE TO REPORT ACCOUNT IM REQUESTING DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
For the last four years I have submitted a request to all majors credit bureaus to update my name due to name change. I have submitted documentations, such as court documents per name change, birth certificate, and social security card as well as a letter of request. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I used my credit card to pay a doctor for a procedure on XX/XX/21. My credit card was charged and the doctor was not paid. My doctors office ran the charge again ( {$2700.00} ) and it went thru. My credit card charged me for the initial charge in which they did not pay the doctor and also the charged that amount again when the doctors office submitted the charge leaving me with a {$5400.00} total charge.

I have accrued redeemable points thru my credit card charges. I redeemed these points for Amazon e-cards one in the amount of {$10.00} and another In The amount of {$25.00}. I was sent invalid number for these cards and was not able to redeem them. In addition I was charged for 4 other Amazon gift cards which I never received. I cant prove that since there is no record of it on my side.

I then Made {$100.00} payment to my account which was never recorded.

These issues have been going on for weeks. I have spent countless time in the phone with customer service with no resolution, just a continuation of one issue after the other! I am now concerned that my XXXX  credit score will be ruined since they arent recording payments!

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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: UT

Complaint narrative:
I've been receiving many calls from Avanteusa ( apparently a debt collector ), from different phone numbers they own and use. I contact them trying to figure out what were the calls about since they have apparently a legit name associated to their phone numbers and explained to them that they have the wrong person on file since the information they have is wrong on such things as : address and birthday. I refused to give them my SSN since they were " requesting it to finally clarify if I was the person I was claiming to be '' but apparently that was the last bit of info they needed to leave me alone. I even check with services specialized in checking on identity theft and thankfully nothing bad has happened to my identity so far but even after talking to them they keep on calling me. It's annoying and it's definitively a harassment to my persona. I wish they could fix their problem if any and stop calling me. Thank God I've never been in a debt collection list and I've always been careful when providing my phone number ( I try to use a different one when I feel like it's going to shared between 3rd parties ) but I guess even with all the measures you can take to keep yourself safe, there's always a way to fall into these kind of annoying calls lists. I wish the government could do more to stop this companies since I did everything that was available on my side to clarify any mistaken info they might have about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing you this letter to inform you that i have indeed been violated or my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information they would needed my written consent making them liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have they did right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
On XXXX, I attempted to send {$2600.00} from Binance.US to my XXXX XXXX XXXX Account. Tracking Number is as follows ; Tracking Number ( Order ID : XXXX ) I waited for over ten days before reaching out to Bank XXXX XXXX and Binance.US. Binance does not have a phone number so I had to submit trouble tickets on line. XXXX  XXXX XXXX notified me that I needed to change my name on my Binance account and gave me different numbers to use. According to them, the money sent should have went straight back into my Binance.US account. 

My Binance Complaint tracking numbers are XXXX, XXXX & XXXX ( One reported that I needed my money refunded and the other reported that I needed to change my name from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. 

XXXX USER ID : XXXX Account name : XXXX XXXX XXXX XXXX Bank Account Number : XXXX Routing Number : XXXX To date I have emailed BINANCE at least 7 times with no response other then one message from asking me if I was still having a problem. 

Appreciate your help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: VA

Complaint narrative:
XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and Equifax in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have a mortgage for my primary home through Freedom Mortgage based our of NY. I have been paying them on time for the last 5 years with a Direct deposit on the last day of the month without a miss. 
Last XXXX, they categorized one of the payments into suspense and marked my regular mortgage payment late. 
Since then, they did not want to acknowledge the error and correct the statement because of which I am not able to refinance. 
I tried working it out with the company for last 6 months with no success!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps

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