vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I had 2 accounts with Midland Credit Management , Inc. One account was roughly {$2700.00} and the other was maybe {$1200.00}. Around XXXX or XXXX of XXXX Midland turned my account over to the law firm of XXXX XXXX and XXXX XXXX proceed to file suit in the XXXX XXXX court of common pleas. I ended up settling both accounts and received correspondence from XXXX XXXX on XX/XX/XXXX that the accounts were settled in full and they are closing the files. I noticed that Midland was still reporting on my credit report but figured they would fall off. When they did not I disputed and LOST with Midland claiming that what they were reporting was correct and I owed them money. Fast forward to XX/XX/XXXX and me and my husband are trying to get a home equity lone and Midland is still reporting. I went to Midlands website and they are showing I owe on both accounts and even accepted payment for one of the accounts. They are illegally collecting on a debt that was resolved almost a year and a half ago. I called to have the payment reversed and was basically told there was nothing they could do on there end so I had to dispute the charge with my bank. I am furious because this mess up on their end is hindering me and my husband from receiving another loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received and email from Chime Bank on XX/XX/22 with the following message : Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX, XXXX I immediately tried to access my account and it blocked access, stating the account was closed and for questions to call or email. I immediately called XXXX and received an automated message that my account was closed and it hung up. Future calls on XXXX and XXXX I can not get through to a person. I emailed on XXXX and received 2 auto messages that they would get back to me. On XXXX I received an email with this Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card.. 
There was no mention of how I would get my funds back. I emailed several more times and have heard nothing. I did not authorize for this account to be closed and need my funds asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$11000.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
I have recently viewed my credit report and I found several inquiries on my credit report that I did not authorize. I would like for these inquiries to be removed and deleted from my credit report immediately. Thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-10-06 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I lost my job in XXXX due to XXXX. The agreement with my company was that they would not deny my unemployment claim. I applied for unemployment the following day. A strange glitch in their system would not recognize my social security number which took 4 months to fix. I still have not received a single check from them. In the meantime I paid my bills with my vacation payout the company gave me, this included my mortgage. When I realized the unemployment situation was going to take much longer than expected. And was waiting to go in for XXXX to have glass removed from my face ( which had happened at my previous job ) and had just about exhausted all other lending options such as friends and family. I went in to the bank branch ( XXXX originally held my loan, but was recently sold to WSFS ). I was informed via mail months prior that WSFS now held my mortgage. The branch instructed me to apply for covid relief to defer my payments. I followed the instructions as instructed in XXXX. After weeks of calling the customer service number with absolutely no results I went back to the branch. In the branch, I showed them my statement ( it is worth mentioning that the bill had the WSFS logo at the top ). After an hour of waiting for the branch manager to figure out what was going on. They informed me that even though I logged in to the WSFS website to pay my mortgage ( ... and all of the other aforementioned hints that would lead one to believe that WSFS held their mortgage ), they in fact did not hold my mortgage. They were unable to access my account and instead called the same customer service line I had been calling. I will spare you all of the repeat details but, in short I have been doing everything I am suppose to do upon request. Resubmit this document or that document, you don't have proof of no income then write it on a piece of paper sign it and scan it in. I have been told complete opposite information regarding extremely important details along the way, such as being told that my house would not go into foreclosure while the application is being processed then literally receiving foreclosure notices, then calling back and being told thats all in correct. Now I am almost 6 months in to this process and still being given the run around, so much so that the branch manager who gave up trying to help me, gave me the number to a lawyer to call but he didnt know how else to help. I just got off the phone with them after being told weeks ago that my application was finally complete ( the amount of times I had to resend them the same documents is absolutely stifling. I am really just trying not to lose my house and was simply requesting a deferment while I get back on my feet from a really traumatic year. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
The Creditor is reporting a charg-off which inaccurate information to my consumer report. The creditor has cancelled the debt and a tax write off. The IRS defines a charge off as Gross or ordinary income. Income is not reported on your consumer report. 

The attachments were sent via mail certified return receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
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 2022-10-06 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-06 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
On XX/XX/2022 I filed a complaint with the XXXX  regarding Stillman Law Offices attempting to sue me over an invalid debt. In the complaint, I demanded a cease and desist and also noted any further communication would result in myself filing complaints to the CFPB and the MI Attorney Gener. Stillman Law offices has now filed suit against me and I am moving forward with my actions. In addition to this complaint, I am making another case with the MI Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: OK

Complaint narrative:
On numerous occasions I was pre Approved for a credit card & then denied once I ran the application. The app with misleading information was credit karma. It is still offering loans and cards pre approved but they are not that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Please see documentation for dates and times. 

I reached out to PDM to inform them that I was receiving a federal grant from XXXX through XXXX to prevent homelessness, and that I was looking to have this account paid in full and deleted from my credit report. I was then told by my caseworker at XXXX that she would need a W-9 fromXX/XX/XXXXXXXX XXXX I called XXXX XXXX and asked them for it and got an extremely unprofessional response from both women one XX/XX/XXXX XXXX. She stated they cant give it to me and I had to further explain that I was trying to pay this account through a federal grant program. She then goes on to say we dont work with any grant programs. Finally after having her be so nasty with me I was able to get her to tell me the PDM has to be the company who sends the W-9 and takes the payment. I also had her email me the full ledger and balance and told her that I would be contacting PDM for the W-9 to be sent. 

I reached back out to XXXX at PDM ext. XXXX not too long after, only to hear that XXXX XXXX had just called and told him they wanted to settle my account for 50 % which is something I NEVER asked them to do and my every intent was to have this FULL BALANCE paid so that it will be DELETED. XXXX had his manager send the W9 form to my caseworker at XXXX. By the time I was able to speak with my caseworker she had already submitted the application for the grant with the settlement amount so the grant only paid half of the balance. However I do have a paid in full letter stating that I have a XXXX balance, but this was misuse of the government funds and still leaves me in the same situation ( homeless ) because its not been DELETED as it should have been. The calls were ALL being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Millco Management
State: FL

Complaint narrative:
" In accordance with a Fair credit reporting act [ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 


"

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 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
In XXXX Shellpoint activated foreclosure on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In an earlier complaint, I requested the dates on which each foreclosure was rescinded. Shellpoint only addressed the XXXX foreclosure in their response. 

In addition, in XXXX, Shellpoint provided a package containing the documents mailed to the Borrower since the loan 's inception the communications about the XXXX and XXXX foreclosures were not included in the package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation