vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was contacted by a scammer impersonating as my electric company. He said if I didn't pay {$280.00} within 30 minutes my electricity would be turned off. I was in a panic because I was working from home and couldn't get my electric turned off. My choices were to either pay using ZELLE app or go into the office and pay, but they would charge me an extra {$130.00} if I went in to the office since they already sent the technician out to turn off my electricity. He sounded very official and even said up front we will never collect your personal or banking information right at the beginning. But after I paid he told me the payment did not go through and I needed to resubmit the payment. That is when I knew something was wrong because I already received a confirmation email that my payment was sent. So, I told him I would call him back. Of course, the number was a fake. I called my bank immediately. They told me they could not do anything and I had to contact ZELLE. ZELLE basically told me too bad, nothing they can do and I should contact my bank. Both parties pushing responsibility on each other. When I asked ZELLE if I could have the financial institution 's name so I could report it myself, they told me they could not give me that information. I spoke to one representative and two supervisors and not one offered any help or resolution at all. They wouldn't even allow me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!

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 2021-10-25 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: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Sincerely,

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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
i the consumer sent Midland credit management a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with midland credit management i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a pre-paid visa gift card for my graduation in XXXX. I received 10 different gift cards from different friends without the receipt of purchase attached to the card. this one I'm having problems with said this gift card is between $ XXXX so I'm not sure how much was in here. I tried using the card at multiple different places in store however it continuously was declined. my last declined transactions was at ride aid for {$71.00} and home goods for {$32.00} and after that I contacted visa. I contacted them on XX/XX/XXXX and I have not received worst customer service than this. I spoke to a customer service rep who told me I needed the original receipt and needed to contact my friend who got me the card to verify the gift card and was hung up on ( even though I was able to verify the declined transactions, they still told me they are unable to verify the Acct ). the second time I called and spoke to another representative, I was still able to verify the tractions and she still asked me to fax her the original purchase receipt ( the lack of communication here was very frustrating because I stated multiple times that I don't have a receipt as I did not make the purchase ). I asked to speak to the supervisor since this representative was not listening to me at all. she said because my account is not verified I AM UNABLE TO SPEAK TO THE SUPERVISOR. what kind of a customer service is this. This is the reason why I am so hesitant to get a VISA gift card for friends. because they make your life a living XXXX to give you what is yours. I'm writing this complaint to get a chance to speak to someone from visa who would actually listen and verify my information. I'm a medical professional and I don't write complaints unless it's very necessary.

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 2021-10-25 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: VA

Complaint narrative:
Equifax denial to dispute the multiple unauthorized hard inquiries, which I believe violates my privacy by the unauthorized release of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have reached out to all of these company 's and they will not 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 2021-10-25 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I have reached out to all of these company 's and they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently pulled my credit report and noticed that the following accounts are reporting inaccurately ;

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 2021-10-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an account showing up on my credit report as a collections for XXXX XXXX . This account was paid off by the company assigned to collect which was XXXX XXXX XXXX on XX/XX/2021. A company by the name of XXXX XXXX XXXX is still attempting to collect an inflated amount of money that is not owed. I have disputed twice with the credit reporting agency by submitting a PAID IN FULL letter and the XXXX XXXX XXXX company continues to call, text, and renew this account on my credit... which is negatively affecting my score.

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 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was a few months behind on mortgage when Covid hit. After covid I offered the mortgage company full payment for behind payments with Covid payments deferred to end of the loan. They denied my offer even though CFPB indicates they should make an effort to work with Covid impacted residents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I purchased furniture online. The merchant, XXXX XXXX, opened an account through Genesis FS in Oregon to charge the purchase to. The purchase was returned to the store because the color was wrong and not what was described as online. I immediately disputed the charge and the Genesis put the charges on hold. They finished their review and denied my claim. In the meantime, XXXX XXXX had picked up the furniture and now Genesis FS is charging me for a purchase I no longer have. I tried to discuss this with Genesis but they said they couldn't help me any longer. i have been battling with XXXX XXXX and Genesis FS for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
Square loans me money according to algorithms having to do with my sales activity. I called them to ask if i deposited money into my accout would it impact my loan eligibility. Its a yes or no question. No matter how many times i asked them they said things just to avoid my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I was checking my credit report and I realize that my credit score is super low! Where did you get this information I didn't applied for anything. I believe that someone used my personal information

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 2021-10-25 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: FL

Complaint narrative:
I was checking my credit report and I realize that my credit score is super low! Where did you get this information I didn't applied for anything. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Grant & Weber
State: CA

Complaint narrative:
I have two medical ones. The thing is that on one of those I had medical which should have paid for it. On thee other one the company I worked for also was supposed to pay for the expense.

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 2021-10-25 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate 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 and/or update those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or update immediately or I will file for litigation due to the stress you have caused me. Please correct and update the late payment reported from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I am writing to dispute the accuracy of a late or delinquent payment reporting by Freedom Mortgage. Freedom Mortgage failed to apply funds they had on-hand prior to the due date and subsequently reported I was late in payment because, they overpaid DC Office of Tax and Revenue for property taxes from the escrow account. Freedom Mortgage stated their decision to not apply funds is based on internal policies and agreements that allows them to hold funds ( and not apply them for payment ) when there is a shortage. The justification for the shortage ( e.g., their lack of proper due diligence and care ) was irrelevant to their decision.

Similarly, after recognition of the potential error and oversight by Freedom Mortgage ( they were given a copy of the revised tax assessment letter ) in the overpayment ( i.e., I was told but not given evidence of their attempt ( s ) to contact DCs Office of Tax and Revenue for clarification ) they did not provide sufficient time for a response by the DC government. I say sufficient time as it is widely known there are ongoing delays in US Postal Service delivery services and delays and challenges with government agencies ability to respond to requests due to COVID-19 constraints.

Freedom Mortgage reports derogatory information to the credit bureaus they refuse to later correct while they are in the process of clarifying and understanding their own errors as later corrected by their overpayment notice and payment check to me for funds due. When calling Freedom Mortgage to request a retraction of their notice of late payment they refuse stating they have internal policies ( not shared ) to prohibit such retractions unless they made an error. I was unable to reason through how this was not an error and did not get an answer as to why if there was no error, I was sent a check for the amount overpaid. Again, they simply did not allow time to understand their error and allow for a practical resolution, then failed to make whole ( e.g., return funds and correct the credit record ) following their error, all while having funds available to apply for payment.

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 2021-10-25 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:
To whom it may concern : XXXX XXXX  - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with XXXX XXXX mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX. 
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau. 

If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue. 

Regards, 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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My x wife open many accounts in my name. They were made her responsibility in our divorce. She inherited this XXXX account and the bill I took responsibility for the XXXX XXXX account. Her name is XXXX XXXX XXXX and lives at XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: RI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reported on my account : XXXX  XXXX Date Opened : XX/XX/2021 Balance Owed : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CO

Complaint narrative:
Midland Credit Management was notified via mail of the federal laws that they were currently breaking at that time. Midland then sent a response that did not mention the laws in question and simply provided a statement sheet. Midland continues to break these federal laws and many others. Midland is now displaying their willful noncompliance of the laws mentioned on XX/XX/2021 in my first attempt ( attached ).

Company response to consumer: Closed with explanation