vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: IL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I received a " Collection Notice '' from IC Systems ( who I'm sure you are familiar with by now ) trying to collect a balance of {$6600.00}, listing XXXX XXXX as the creditor. 

I have never been a XXXX XXXX customer ( I have always been an XXXX XXXX XXXX customer ) and never had an account, therefore I immediately knew this was a fraudulent notice. 

It is likely that IC System obtained my mailing address due to a recent online loan application I filed in order to refinance my home. ( I received other false pieces of communication from multiple companies requesting information following this online application. ) As a XXXX  of XXXX and XXXX at the XXXX  XXXX XXXX XXXX, I am well aware of these types of predatory practices. Yet, after a few XXXX searches on IC System it appears this company has been wreaking havoc on people for years. I was absolutely appalled to read through the discussion forums and posts from individuals who have shared their personal experiences trying to work with this company. I'm sure many of them, in reality, had no debt and were victims of vague language, and fear-based, predatory practices to coerce them to divulge personal information and payment. Many noted they paid their debts directly, assuming their debt was legitimate. When IC Systems lists creditors as companies like XXXX or XXXX, I'm sure the percentage of people who actually had those accounts in the past is very high ( and therefore they would be inclined to pay to protect their credit ). The companies uses scare tactics and preys on uneducated consumers who don't understand their rights or these scam marketing tactics. 

This is a clear violation of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair or deceptive practices to collect from consumers.

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
I defaulted on a loan and it was sent to a collections company called Zwicker and  associates. Once I got back on my feet, I called Zwicker and Associates and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} XXXX a difference of {$4700.00} XXXX as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, XXXX has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from Zwicker and Associates saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Tried to talk with PNC Bank too allow me to link my checking account to my XXXX account. I got disconnected three times and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am once again bringing this to your attention as well as Equifax. See original complaint XXXX. Note that Equifax decided to degrade my credit value by 60 points because the government decided to defer my loan through the CARES act. I did not request this nor did I receive any deferment. Upon becoming aware of this travesty I immediately PERSISTED that the loan be taken off deferment and reported as such. I requested that my credit be reinstated to what it was before. Nothing derogative has happened since this report IN FACT more has been paid off. I demand that my credit be reinstated as it was prior to this CARES act situation. What EQUIFAX did is WRONG. The fact that CFPB is allowing this unjust act is besides me. Do not give me a blanket response that they are not responsible for down grading my credit worthiness as they most certainly are just see below screen shot as well as look as prior complaint above. 
It is VERY clear what they did and they even admitted it when I called them directly. 
What I am requesting is perfectly reasonable and just.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XXXX XXXX area transfer of XXXX dollars to XXXX. Western Union transferred the monies at an exchange rate of XXXX yen and we have discovered that the exchange rates were much higher at a rate of XXXX yen on the transaction date of XX/XX/2020. Their own website had the rate at XXXX. Called to resolve the problem and they just kept saying that rates very and it just so happened that from where it was sent and other variables that XXXX yen was the rate. I find that to be far below the average rate just for one day as it averaged much higher all other days of the year not even going below a one to one ratio. Also, the exchange rate was not posted or told to us prior to the transfer by the individual working on behalf of Western Union. This type of transfer was the first time we have attempted this and so we relied on the representative of Western Union to process this transfer fairly. This cost us over 400 dollars with this transfer through Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: IL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: NY

Complaint narrative:
I have submitted previous disputes to Experian, XXXX  and XXXX   on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : Experian is the only one who actually addressed the process. XXXX  and XXXX have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. XXXX  has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to Experian of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from Experian & XXXX  Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.

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 2020-07-03 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. Synchrony bank for my Mastercard and PayPal accounts took payments late then are calling stating agreements will not be honored. Even though Sychrony Bank eventually got every penny of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.

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 2020-07-03 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:
I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.

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 2020-07-03 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 was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I defaulted on a loan and it was sent to a collections company called XXXX XXXX XXXX. Once I got back on my feet, I called XXXX XXXX  XXXX and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} ( a difference of {$4700.00} ) as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, SOFI has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from XXXX XXXX  XXXX saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Ref : XXXX Sirs, Your email to me today states that the bank has responded saying they need an additional sixty days! My account was first frozen at the end of XXXX. The funds were removed on or around XX/XX/XXXX. I was notified by letter ( sent to the WRONG ADDRESS ) on XX/XX/XXXX a full six weeks after the hold was placed on almost {$6000.00}! 

I believe there handling of this has been bullying threatening usurping funds and now to add insult to injury they : require : an additional sixty days, when those funds include my {$2100.00} monthly Social Security AND my {$1200.00} stimulus payment which, I believe by law they were supposed to return to Treasury and not hold! 

Their vindictiveness has truly harmed me operationally and also financially! With the time already given to them to review matters, I believe their actions are injurious to me as will indeed by the cause of suit action once the funds are released to me! 

Can you PLEASE bring the complete weight of CFPB on them to complete their review and release the funds! By my calculation a " normal '' 90 day period would be completed by now and to ask for additional time is bogus especially since they denied me access in XXXX! 

With the authority CFPB has I ask that this case be closed immediately and all funds be returned to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
In XXXX, XXXX I submitted a complaint to Equifax stating that they have an incorrect SSN for me in their file and sent them all supporting documents. They sent me a letter on XX/XX/XXXX stating there was nothing wrong and the SSN reflects correctly on my file. On XX/XX/XXXX I tried applying for credit with XXXX and it again reported that the system could not validate my SSN  with Equifax. When I called them on XX/XX/XXXX their customer service representative told me that they had an incorrect SSN on the file and their last letter informing me that there was nothing wrong was incorrect and they could not tell me the reason why the record was not corrected when I initially complained to them. This repeated failures on the part of Equifax to correct my records in their system has led to my credit applications being declined from multiple financial entities and have led to a situation where I have to be dependent on my parents for credit. The other 2 credit reporting agencies reports all data correctly. In spite of contacting Equifax several times last XXXX and in XXXX they failed to fix the issue and has caused great financial harm to me and I have not been able to build my own credit history. I request a thorough investigation of their internal processes, identify the cause of repeated failure to address my concerns and compensate me for causing irreparable harm to my financial profile and credit worthiness. In my call with them on XX/XX/XXXX they indicated the issue would be fixed in 48 hours but I do not trust them anymore and request investigation of their failures.

Company response to consumer: Closed with explanation