vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
In violation of the Fair Debt Collection Practices Act FDCPA and/or Fair Credit Reporting Act FCRA and/or my state law as applicable, this business or as it seemed a collection company named Diversified Adjustment DA placed a malicious collection ( of undisclosed incorrect and/or negative information ) Within XXXX against my exceptional credit history ( I never failed to pay on time any business and my credit report show Zero missed payment a fact PROVEN BY XXXX ITSELF and As assessed by A different source as you can see in the attachments ) and without sending a single written notification disclosing complete information of the malicious information it used to causing me imminent and irreparable damages and losses. The unprecedented shocking is that DA is terrorizing and/or threatening me by phone repeatedly after It placED THE malicious information damaging my credit reputation and more other in violation of FDCPA and/or FCRA and/or privacy act and/or freedom of information Act and/or other applicable laws and/or acts. This company named Diversified Adjustment must contend of all the above is true and thus it must delete that now illegal, incorrect and/or threatening and/or wrong collection of incorrect retaliatory allegation that this company intentionally used to cause me harm recklessly without informing me in writing, without allowing me to dispute and any situation now Diversified Adjustment to assume full severe legal consequences for its illegal acts that it made against me in violation of all the above referenced laws and/or Acts. I also attached a document an important document that DA must contend to its facts that I supported with clear evidences are true and thus DA violated the law if DA did not prove with clear evidences that my every single fact of my facts are all untrue. To prove me wrong you must provide undeniable clear convincing evidence supporting to prove the opposite of every and each of my proven facts. ALL STATED herein is to my current states belief knurled and understanding and it is all subject to anything or any correction by my person only at anytime without prior notice and without waiving my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never lived at following address XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, GA 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 2019-06-20 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: PA

Complaint narrative:
I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX  XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.

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 2019-06-20 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:
I reached out to experian to explain to them that all the accounts - hard inquires and collections were not mine. I kindly showed them that it had my brothers name on my credit report and also showed them a comparison between experian credit report and my XXXX and XXXX so they better understand. I did not get a response from them and I jut don't understand and I clearly show them None of the accounts or hard inquires are mine on Experian. They are my brothers. 

There are also 3 accounts in collections that are not mine either. I know this by how it shows on on my other two credit reports- XXXX and XXXX . 

I'm not sure how this happened. This is highly effecting me and my families ablity to live a quality life for something that has been out of our control and we are doing our best to settle the matter. Please help. XXXX is the correct 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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: PA

Complaint narrative:
I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: PA

Complaint narrative:
I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.

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 2019-06-20 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: Synovus Bank
State: PA

Complaint narrative:
I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with FIRST PROGRESS, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: LJ Ross Associates
State: PA

Complaint narrative:
I told them i was in a agreement with XXXX and i tried to make a small settlement they could and wouldn't work with me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY 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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY 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 non-monetary relief
Consumer complaint received 2019-06-20 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: CA

Complaint narrative:
I reached out to TransUnion starting there is an open account that is not mine and that I have no idea where it came from. 

I have not received a response from them about deleting it off my account. 

This has lowered my credit on this report that has been holding myself and family from a decent quality of life. Please 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 2019-06-20 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been trying to resolve an issue with Wells Fargo regarding charges to my credit card related to unauthorized transfers resulting in fees they assessed. These transfers, which resulted in a {$12.00} charge to my credit card was not done by me. They were either done by an employee within the Wells Fargo organization or done as the result of an error on the part of Wells Fargo 's banking systems, which happens often with this financial institution. However, they are now trying to force me to be responsible for paying these unauthorized charges ( fees ) in the amount of {$12.00} which is indeed fraudulent in nature. I have spoken to several representatives since XX/XX/2019 and to no avail have not gotten any satisfaction. They actually refunded half of the fraudulent fees, but left the remaining {$12.00} charged to my card. How is it that they would refund half of the unauthorized charges/fees, but leave the other half on my card? It doesn't make sense and no one within their organization can answer that question. They refuse to allow me to dispute this charge online via my portal so as to continue to assess fees to the card because I refuse to pay their fraudulent charges. 

I never authorized Wells Fargo to use a credit card account as a line of protection for any other accounts I've had with them over the years. This was something Wells Fargo did on their own. I never gave them permission to use this card for that purpose, however, they've done it and that in itself is fraudulent. For this reason, as well as my dissatisfaction with this bank for allowing this problem to go unresolved for 3 months, and other issues, I have closed ALL of my accounts. I believe their inaction in handling this matter is retaliation for me doing so. They are a scam and defraud customers to generate fee income on their products and services. I have been trying to get this issue of {$12.00} resolved since XX/XX/2019, and yet, I get nothing but the run-around with this institution. As a consumer, I will not be forced to pay for unauthorized charges or fees to a credit card or deposit account. For a bank like Wells Fargo to continue such an issue over {$12.00} is ridiculous. I want this matter resolved so I can be done with Wells Fargo indefinitely. They are not a banking institution worthy of managing my funds or financial accounts.

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 2019-06-20 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: MD

Complaint narrative:
I reached out to Equifax early XX/XX/2019 to inform that after going online to dispute several issues with my credit report. I was directed to answering 4 questions to identify myself, none of the questions applied to me. The first two questions were regarding a loan, the following questions were the amount of the loans. I was locked out. I called for the two weeks, and finally got someone to look into the information. They were able to start an investigation on the items I needed to dispute. I've received the emails with the results of the dispute, however when I start the process of reviewing the results. I have to verify again, and the same issues arises. I can't be verified, through the email links. As of XX/XX/2019 I've sent several emails to the corporate contacts XXXX, XXXX, XXXX, XXXX. I was promised several times by XXXX XXXX, they would look into the matter to resolve it for me. I've sent more emails as a follow up and no one responds to my emails at all on this matter. My last follow up was to the President, XXXX XXXX on XX/XX/2019 and no response into addressing my concerns to get this matter corrected due to the inaccuracies on my credit report and several of the creditor verifying an account is mine. I'm in the process of purchasing a new home. I asked Equifax, what is the process of a creditor proving that a debt is mine? If they were required to show written or a signature of mine verifying a debt is mine and they stated, it's just a system that's used that says its my debt. I'm not clear, and I'm unsure if this is the correct way in which the process actually works. Any help and guidance you can provide in helping me to get this matter corrected would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Capital Group, Inc.
State: TN

Complaint narrative:
On XX/XX/2019, I was asked to e-sign a background check for XXXX / XXXX XXXX XXXX XXXX. They collected my signature and cut copy and pasted to a contract that a company called XXXX XXXX is trying to collect on. XXXX XXXX has reported this fraudulent account to my credit causing me to lose over 60 pts in one month. I contact XXXX XXXX and requested a copy of the original contract vis email. They sent me a 3 page copy of a contract with the date of my signature altered. On the 3 page, it clearly shows when they collected my signature and the date they applied it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
When moving from XXXX to XXXX XXXX, XXXX XXXX XXXX did not follow a binding estimate and charged me an additional {$1200.00} after the truck was loaded. Because I felt in fear for my safety and the safety of my belongings ( the company had threatened to dump everything I owned out on the front lawn of my apartment complex or drive away with my things, never to be seen again ), I paid this extortion money with my Capital One credit card. 

I disputed the transaction with Capital One. XXXX XXXX XXXX provided the credit card authorization form I signed under duress and asked for the charge to be reapplied. I countered with multiple forms of documentation that what XXXX XXXX XXXX did was illegal, including where in the Code of Federal Regulations it says this. I also included a written statement from my mother that was there at the time I was extorted. Throughout my many calls and letters with Capital One, they routinely asked for a second opinion from another moving company showing that what they did was illegal. I uploaded more documentation on XX/XX/XXXX that stated I had contacted 10 different moving companies ( and provided their names and phone numbers ) and every single one said this was illegal and they wouldn't provide a second opinion letter. I filed a complaint with the New Jersey Attorney General 's Office of Consumer Affairs who forwarded my complaint to the Federal Motor Carrier Safety Administration who had jurisdiction and started investigating the extortion. 

Sometimes during my phone calls with Capital One, they said that they believed my case and that it was Visa that made the final decision. Each time I called Visa they said it was Capital One 's decision. Finally, on XX/XX/XXXX, a three-way call between Visa and Capital One had Capital One admit that it was them that made the final decision. Additionally, I was told that the reason they were closing my dispute case and reapplying the charge was because I had signed the credit card authorization form from XXXX XXXX XXXX agreeing to the additional charge. I countered that I did that only under extreme duress and that since what XXXX did was extortion, I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I have previous sent an email of a police report on XX/XX/XXXX to XXXX  regarding fraud activities. I never received a response back. I have sent a certified debt validation letter to Acima on XX/XX/XXXX. Acima responded back requesting additional information such as DOB and SSN, I also provided them with the full alleged account number. On XX/XX/XXXX, I've sent another certified debt validation letter which includes the requested information from Acima along with a police report that was provided to me on XX/XX/XXXX with a couple of accounts that has been fraud. The case status on the report still says pending because no one was charge with this crime. Acima responded on XX/XX/XXXX with documents that claims to validate this alleged debt. Please see attachments. I do not have a hand written signed contract. I never done business with this company. I am not not liable for the collection from this debt. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a major part in the account from Acima. I need for this company to removed it IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: CO

Complaint narrative:
I have been paying the debt collector Real Time Resolutions regularly since XX/XX/XXXX. We had to sell our home on a short sale and Real Time Resolutions obtained the remainder of the debt. We have always been regular with our payments and never had a problem until XX/XX/XXXX when our check to Real Time Resolutions never cleared our account. The same happened for XX/XX/XXXX. Also, as of XX/XX/XXXX we stopped receiving any mail from Real Time Resolutions. We were also unable to log into our account on their website, receiving a message that it did not recognize the account. We called Real Time Resolutions and the representative we spoke with said he did not know what was wrong and he could not help us. We then received a letter from Real Time Resolutions dated XX/XX/XXXX stating that we owed them {$520.00} and to contact them immediately. This was the last piece of mail we received from Real Time Resolutions. Again, we were unable to log into our online account and the customer rep we spoke with was unable to help. Now Real Time Resolutions has been calling both my wife and I on our work phones during business hours and leaving messages to call them back. They have also reported delinquencies to both our credit histories and significantly weakened our credit scores. I am happy to resolve the issue with Real Time Resolutions, but I feel like the reported delinquencies are unfair since Real Time Resolutions has not been sending us notifications in the mail or allowed us to pay online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
years ago i took out a va loan with Dovenmuehle mortgage. and they never closed it out. it has been killing my credit for years. i know it is on XXXX but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance

Company response to consumer: Closed with explanation