vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Modoc Tribe Financial Services Authority
State: NC

Complaint narrative:
One of your representatives contacted me by phone call on XX/XX/XXXX at XXXX XXXX  XXXX  ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX  ; again on XX/XX/XXXX at XXXX XXXX XXXX ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and identified the debt collector as XXXX on each occasion. The phone numbers used to contact me were XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 

These repeated phone calls are meant to intimidate and harass me. I requested that 500 Fast Cash stop contacting me on XX/XX/XXXX. The reason why is because I would like to research tribal loan enforceability in my state as I plan how to payoff legitimate debts and become debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX has been contacting myself and my employer attempting to collect a debt for Midland Credit. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working 1year and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called XXXX again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by XXXX XXXX XXXX  The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from XXXX XXXX, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I tried to open an account and was denied .I called on XX/XX/XXXX to find out why and was told that I would receive something within 10 business days and did not .So I again called on XX/XX/XXXX and the representative said they don't have to because its not a bank account it is a high yield savings account. According to the law they are obligated to let me know why I was denied so I can know how to fix the issue. I know XXXX XXXX  was fined for the exact same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On my credit report appears a lot of hard inquiry that is 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 non-monetary relief
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
FCRA violations : addresses not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX  XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, TX XXXX FCRA violations : not my names XXXX A XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun

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 2022-05-17 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-05-17 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On my credit report appears a lot of hard inquiry that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On my credit report appears a lot of hard inquiry that is 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 2022-05-17 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: TX

Complaint narrative:
FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX  XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun

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 2022-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
This started from the XXXX month of closing my home with Crosscountry mortgage- where they started to XXXX me about collecting a debt of which gave me u til the XXXX of each month to pay started to call me on the XXXX of the month - my payment originally at closing was for {$2700.00} which has gone out every mo th since XXXX of 2021 until now which they stated I was Short $ XXXX of escrow - which they purposely never sent me a notice that there was lapse of my home owner insurance which they went out on their own to get a homers insurance at XXXX times the price where my original home insurance was XXXX they went out and got one for {$8000.00} which is ridiculous they never notified me nor call me they did have my current XXXX address which I never received anything until XXXX months later when I asked why are they calling me with the collection of asking me for {$5000.00} which then they find re adjusted after I got a new home home insurance for the same price instead of XXXX I got it from state then my flood insurance went up by three times. Return my mortgage payment of $ XXXX- they should be responsible for scamming me. Scammed me of escrow all Of a sudden from XXXX to XXXX escrow balance - they ARE XXXX  - my credit score dropped from XXXX to XXXX!!!!! when I give them a call Im always been transferred from Customer Service collection to insurance to back to Customer Service which is ridiculous nobody talks to each other and yet I get calls cost me which is harassment so I need to report them because now theyve messed me up with my credit and mark me 30 days late Ive been having excellent credit since

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-05-17 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: Paypal Holdings, Inc

Complaint narrative:
Good morning, my paypal account has been permanently closed unfairly, since I am dedicated to the marketing of products for sale online several years ago, this is my only livelihood to generate income and paypal being my only means of payment to receive these sales blocked me without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
-VISA gift card was purchased in XX/XX/XXXX for {$150.00} in the store for the card plus {$5.00} activation fee. 
- Card did not work when attempted to use. 
- Called company XX/XX/XXXX and was told they put the card inactive in XX/XX/XXXX due to someone fraudulent activity. They said the card had attempted to be used in XX/XX/XXXX. 
-Company said they would send out another one and I would receive in 7 days. 
- I did not receive card in 7 days so called again and they said it would be XXXX days and would be here by XX/XX/XXXX. 
- I did not receive the card by XX/XX/XXXX so called today, XX/XX/XXXX and was told they would have to make that card inactive. 
- They said they would send out a new card but that they were deducuting {$5.00} for the new card and it would come off of my {$150.00} balance. 

This is wrong in so many ways. I spoke to XXXX XXXX a supervisor ) who would not adjust that fee. To charge a customer another {$5.00} fee when we have not been able to use the card in the first place is not right! I feel like this company is fraudulent. If I had trusted that a new card was being sent out and didn't keep my old card for reference they told me they wouldn't be able to help me. Are they doing this on purpose. Are they making cards inactive for the customer to call in and then hope they threw the inactive card away where now they have no way of tracking what is happening with the new card sent out? Something is not right with this. To charge me another {$5.00} and for us to now have to wait another XXXX days to get the card is not ok. I feel like I will be making another call as this card ( which is now less than {$150.00} to cover the new {$5.00} ) probably won't show up either. This needs to be investigated!

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 2022-05-17 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: Nationwide Recovery Systems, Ltd
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the accounts to all three credit reporting agencies and they have not corrected this information and identity theft packets. No action has been taken to remove these fraudulent accounts. Also, inconsistency on credit report, derogatory inquires, and reports errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-05-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2022-05-17 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: MD

Complaint narrative:
XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

XXXX XXXX XXXX XXXX XXXX made an unauthorized inquiry

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 2022-05-17 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: MD

Complaint narrative:
XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

XXXX XXXX XXXX XXXX XXXX made an unauthorized inquiry

Company response to consumer: Closed with explanation