vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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:
On XX/XX/2021, I consumer XXXX XXXX sent a letter to Transunion requesting my consumer report, consumer file, and investigative file pursuant to 15USC1681.. on XX/XX/2021, I received a post card from Transunion requesting more information such as proof of address to verify my identity and address. I sent a copy of my drivers license, which has my current address and is unexpired, as well as my credit card ( 15usc1602 ( a ) ( l ) ). Therefore my identity and address has been verified. There should not be a need for an infringement into my privacy to send the requested documents ( consumer file, consumer report and investigative file. ) The address I mailed the letter from as well as the address I am requesting the files and report be mailed to is my mailing address. This is a direct violation of 15USC1681a ( a ) ( g ) and 15USC1681a ( a ) ( e ).

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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
I rented an apartment in XXXX and there was apparently a balance owed after I left the premises. I did not hear anything about this {$3200.00} debt until XX/XX/XXXX on my credit report. I tried disputing through XXXX but the results still says the debt started in XX/XX/XXXX, and the dates dont reflect the actual year of tenancy from XXXX. The company has never sent me correspondence informing me of the debt and 6 years later it showed up on my credit report. 
Central Portfolio Control wont provide accurate info to XXXX informing them of debt being from XXXX and my XXXX XXXX has tanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021 I apply for a card with capital one..Unfortunate they denied me.I no that they discriminated against me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CA

Complaint narrative:
I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.

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 2021-12-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting assistance as Chase has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While Chase may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower credit score. 
I'm requesting assistance to report the payments made which have all been on time and yet Chase has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: OH

Complaint narrative:
XXXX XXXX is reporting on both my Equifax and XXXX. This account is fraudulent due to it saying on Equifax I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On XXXX is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: OH

Complaint narrative:
XXXX XXXX is reporting on both my XXXX and Experian. This account is fraudulent due to it saying on XXXX I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On Experian is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # 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 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was watching a XXXX video, published on the XXXX of XXXX, that contained an advertisement for the digital wallet/finance app 'Cash App '. The advertisement stated, " you can use the code XXXX XXXX [ in the app ] and you get XXXX dollars for free. '' This implies that as soon as you download and type, " XXXX XXXX '' into the app you will receive XXXX dollars to spend. I downloaded the app on XX/XX/XXXX under these pretenses with the goal of claiming XXXX XXXX 

After I downloaded the app and typed in the code, instead of giving me XXXX $ the app displayed the text, " Get {$15.00} when you link a new bank account or activate a Cash Card ( people under XXXX only ) and send {$5.00} '' I only learned about the additional requirements to getting XXXX $ AFTER I downloaded the app and typed in the code, and not DURING the initial advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD 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 2021-12-22 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD 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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The accounts Portfolio Recovery is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX ( 2 days after my paycheck auto deposited ) 3 transactions were made without my knowledge, depleting my account. My employer, XXXX XXXX, uses GlobalCashcard/XXXX for paycheck purposes. 

This was on a newly issued card, because the month before ( in XXXX ) a similar fraud took place. ( On the XXXX incident the bank acknowledged the fraud, refunded my money into my account, and issued a new card. ) These were the transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} I reported the fraud next day on XXXX XXXX. This time the phone personnel treated me with impatience, and on subsequent days several times hung up on me. 
Case No : XXXX On XX/XX/XXXX ADP XXXX XXXX  sent me a resolution letter, stating that they found these transactions normal and no refund will be issued. 
( from ADP XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX It is this negative resolution that prompted me to turn to you with a complaint. 

I list below the fraudulent transaction from the month before, because there may be a pattern in the locations and the timeline right after pay day. 
( These XXXX charges were credited back to me, and are not part of my current problem. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX Atm Transaction Fee XXXX {$3.00} XX/XX/XXXX Atm Transaction Domestic Fee Adjustment + {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXXorXXXX on line I summit on line application for for a everyday check with wells Fargo.I get direct deposits with them and tell me that I'm not good for a everyday checking account.

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The accounts Midland Credit Management is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The accounts Midland Funding LLC is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: I.C. System, Inc.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. IC SYSTEM account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. They failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( IC SYSTEM 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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The accounts XXXX XXXX XXXX is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Referencing CFPB complaint : XXXX In PNC 's response, XXXX XXXX XXXX and states that the branch that refused service was not able to verify my information. XXXX XXXX and others at that branch ( XXXX FM XXXX, XXXX, TX XXXX ) were all able to verify my information to the same extent as the Main Street branch ( XXXX XXXX XXXX, XXXX, TX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
We were on a 3 month plan to pay the last payment of {$2100.00} to XXXX XXXX XXXX XXXX on XX/XX/2021. Approx the middle of XXXX, we received a phone call from XXXX XXXX telling us they were transferring our loan. We didn't understand at the time nor did we accept the offer. We called XXXX XXXX and no one would give us answers or explained why they were transferring our information to a 3rd party. XX/XX/XXXX we received a letter from a different Servicer stating we must now start paying them on XXXX, 2021. We called XXXX XXXX to inform them and they stated our loan has been transferred. XXXX XXXX, 2021 we received a letter stating we owe the new Servicer. We called Midland Mortgage on XXXX XXXX, 2021 spoke with the receptionist XXXX ( XXXX ) asking her to please send Validation of this new contract, she said she not allowed to send anything. We asked her to please give us the information to the financing officer, she said she wasn't allowed and transferred our call to her Supervisor XXXX ( XXXX ). We asked XXXX to produced the contract that we signed with Midland Mortgage he stated he can only send the payoff sheet, then transferred our call to XXXX the Manager, whom we asked to send the contract that we have with Midland Mortgage and she said she couldn't because they bought the contract from XXXX XXXX who sold it to them in XX/XX/2021. This is a completed violation of the FDCPA 15 USC 1692, as a consumer and the original creditor also violation of 15 USC 1692g when the Midland Mortgage Corporation would not validate an original contract between us and Midland Mortgage Corp. They're also in violation of 15 USC 1692f ( 6 ) and 15 USC 1692d by using unfair practices, sending us a delinquent notice and threatening us that if we do not pay on this alleged loan we will lose or home and entitlement to my VA home loan guaranty, dated XXXX, 2021. When calling Midland we were yelled at assumed to be lying when we had our authorized representative speak on our behalf, which is also violation of 15 USC 1692d ( 1 ) ( 2 ). They are also in violation 15 USC 1692e, 15 USC 1692b, 15 USC 1692b ( 2 ) sending written communication ( violation of 15 USC 1692c ) claiming I owe an allege debt to their company. As the natural consumer 15 USC 1692a, and original creditor 15 USC 1692 there is no debt owed because the we extended the credit, it was sold without our consent or signature on a contract between Midland Corp and ourselves. They were not authorized to use our credit violation of 15 USC 1692p Unauthorized Use of credit. My wife and I our stressed, anxious, nervous lately on edge and in fear of losing all we have and worked hard for.

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 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
I pulled my credit report. I seen an amount for {$34.00}. This includes a medical service that I am unaware of because the information is not me or owed by me. I was XXXX  between the time of XX/XX/ 2020 throughout COVID-19 pandemic. I was under Medicaid throughout the duration of the time of my XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation