vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
In XXXX  I contracted with XXXX XXXX for XXXX years of home security. I was paying {$30.00} per month for the service. I never used the service because I had had a couple of false alarms because XXXX XXXX never gave me instructions on how to use the service. I understood that I had signed up for XXXX years of service so in spite of the fact that I did not use the security system, I continued to pay for the entire duration of the contract. 

When the contract was finished, I called them to disband the service. They told me I needed to send them an additional month of fees ( {$30.00} ). I suspected this was their way of rooking me into another year of payments. I told XXXX XXXX I was uncomfortable with that arrangement and did not intend to pay. 

Im not sure of the exact amount of time it took before they then told me that they were sending my account to collections. That was when I was told I owed {$500.00} for late fees. I asked them for a detailed account statement letting me know how they came to the {$500.00} amount. The collections agency sent me a statement ( attached ) that makes no sense and seems to be totally fictitious. 

As stated, I had a XXXXyear contract for {$30.00} per month. Somehow, according to the statement, over the XXXX  years, the payments nearly doubled. No notification was ever sent that the monthly rate was being increased. Not only did the monthly rate double ( they had my bank information and was being paid directly by my bank ), they claimed that I was late with payments and added on late charges of $ 50-60 per month. I suspect this is elder abuse because they know my age and expect me to pay them this outrageous bogus amount just to get them off my back. 

I would appreciate your assistance in investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX is showing account for Midland Credit Management with date opened as XX/XX/20 in the amount of {$560.00}. I did not open this account XX/XX/20. This account was purchased from the original creditor XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I have taken numerous steps to explain that the debt is incorrect and have sent all the necessary documents to support my dispute. I have provide personal statement showing all rent paid on time and they have taken the measure to lock me out of the property online portal to pull the necessary receipts. All rent payments was paid in full and the company has rejected all my attempts to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: NV

Complaint narrative:
My mortgage was originally through XXXX XXXX and then was bought out by XXXX XXXX XXXX. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

XXXX XXXX  continue to send FS ( foreclosure Proceeding Stated ) remarks to Experian XXXX months after I sold the home and MOST recently, left a FS remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru Experian multiple times even including my XXXX XXXX XXXX XXXX proof of sale. XXXX XXXX continuous to not answer any of my questions after telling me this is a " closed account ''. 

My home buying chances are in danger while XXXX XXXX XXXX continuous to leave negative credit inquires. Experian disputing is no help to me neither ...... 

HELP!

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 2023-05-05 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: LA

Complaint narrative:
I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-05-05 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: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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 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 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 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 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have asked for help since XX/XX/21 with a debt due to XXXX hardships from XXXX XXXX XXXX XXXX LVNV Funding LLC acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security disability funds Blessings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: GA

Complaint narrative:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2023-05-06 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: GA

Complaint narrative:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Applied for PNC BANK was denied dont know reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo held my primary mortgage, XXXX holds my 2ndary mortgage. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both WF & XXXX to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from XXXX ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from Wells Fargo. Wells Fargo says they never received IHAF request. Conveniently, Wells Fargo has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. 
I have now just received a letter dated XX/XX/XXXX that the new loan agent of the Wells Fargo Mortgage, will begin foreclosure proceedings in 33 days from today. 
I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both WF and XXXX have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to them.

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 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2023 received a letter from Bank of America ( XXXX XXXX XXXX XXXX XXXX that an application was made with my personal information to open a XXXX account. Received another letter same day and same date from Bank of America that they had " detected suspicious activity '' on my account. I called and spoke to a XXXX he said they would close that account and that I was not responsible for that account balance which is now at {$8100.00}. Received a letter at the beginning of XXXX dated XX/XX/XXXX from Bank of America that an application has been made in my name for a Bank of America XXXX XXXX XXXX. I called them on XX/XX/XXXX and talked to XXXX XXXX with Bank of America and he said there is nothing they can do for me unless I send them my social security number and account information. I ran a credit report and found multiple addresses using my name- I have cleared that information up and XXXX has removed the {$8100.00} BOA card from my report but I am not getting any help or assistance with Bank of American such as who is opening or at least trying to open these accounts. The Federal Trade Commission said that information ( by law ) I am entitled too. Can you please help me - I need this to stop.

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 2023-05-05 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I ho

pe that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: DISCOVER BANK
State: AR

Complaint narrative:
In XX/XX/XXXX I had a charge from XXXX  for XXXX that was supposed to be refunded. Unfortunately it was never refunded. I provided evidence that it was supposed to be refunded via an email from XXXX. I opened a dispute in XXXX proceeded to prove via email and also provided the transaction ID and tracing information. The dispute was ruled in favor of build. 

An additional purchase was made with build for XXXX for a dishwasher in early XXXX, a dishwasher. This was delivered but defective/damaged and returned during the delivery. XXXX stated it was not returned. No additional evidence could be provided, but again was ruled as a valid transaction via discovers dispute process.

Company response to consumer: Closed with monetary relief