vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 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: GA

Complaint narrative:
I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same 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 2020-02-23 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-23 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Starting in 1975 my husband and I purchased a home in XXXX WA for {$21000.00} thru FHA. After a few years, on one income and XXXX children, we didn't have enough money to pay the mortgage and support our family. There weren't any services that could give us advice so we went to XXXX XXXX to refinance our home. It was either that or file for bankruptcy. We did get extra money with the refinance to pay down some bills. A few years later, we refinanced again and paid down some bills. Twice since, we refinanced, and again, no service was available to give us advice, and now we owe over {$80000.00} 45 years later. I can provide names of financial institutions and dates if needed but what I am asking is if our mortgage at Wells Fargo can be forgiven. We are retired but aren't able to live like we should due to still paying on our existing mortgage. I feel like we have already paid for our home twice if not three times over. We feel financial institutions are so ready to entice people into refinancing when it just keeps raising the amount owed on the mortgage instead of reducing the amount by lowering interest. Please help us. I don't know where else to turn and would like to live my retirement out without having all of it going to a mortgage payment. Can you help or give advice of how we could be mortgage free in our XXXX 's?

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 2020-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX Last 4 Ss # XXXX DOB XX/XX/XXXX Security Credit Service Reporting a account on my credit on behalf of XXXX XXXX a company that Was already disputed several times and removed from my credit report because whatever or whomever they are is trying to collect from a fraudulent account they are aware that I'm a victim of identity theft and they keep attempting to collect on a debt that I don't owe. I'm in the mist of purchasing a home and if this dropping of my credit score affect that for a fraudulent account this will also serve as a notice of Suit for injury caused by Security Credit Service and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: WA

Complaint narrative:
I am trapped in my pay day loan. I called to let them know that I had lost my job and that I am looking for another job. But to my surprise, I see charges and interests that keep increasing. I called to negotiate to find an option that could stop this, but unfortunately they are not ready to help me. This is why, I come to you who have this great responsibility in order to help me to regularize this situation which becomes stressful and embarrassing. Thank you

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 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
On XX/XX/XXXX ( about XXXX XXXX ), " a white bald male walked up to the front door shouting out XXXX, XXXX ... without knocking '' per the owner of the house. The owner of the house heard voices and walked towards the door. As the owner approached the door to look at the peephole, the white male reaches in to knock loudly. The white male asked for XXXX, the owner of the house told him that I don't live there ( although I have permission to use the address to receive mail ). The owner of the house then asked what this is about, the white male introduced himself as a debt collector for XXXX and he trying to collect {$600.00} debt supposedly by XXXX. The owner asked the mail to be left at the front door but he refused to leave the mail due to the fact that I do not live there. I am homeless, I asked others to use their addresses to get employed. Luckily I was able to get employed a warehouse averaging 28 hours a week at minimum wage ( a seasonal job that I was hired on XX/XX/XXXX ). The debt collector has caused a scare to the owner of the house, I was phoned by the owner of the house to make aware of what was going on and he then requested that I stopped using his address. The debt collector has volunteered my personal to the owner of the house to cause more hardship to my life and his approach was very unprofessional and scary. The collector scared the owner of the house with his very very unprofessional approach. Im not even sure who it was. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Im being sued by midland credit llc on behalf of XXXX   XXXX. I had never heard of this collection agency until I was served papers letting me know Im being sued. I go to court next week. They wont send me a debt validation letter. Its an absolute nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed several disputes online from my credit report with TransUnion. None of those disputes appears in the history in TransUnions Online Dispute Service. 
The sites homepage states To submit a new investigation, click on the New Investigation link above. But there is also no New Investigation link. It is very frustrating as TransUnion has made it impossible for consumers to dispute, thus creating an unfair advantage for information furnishers who can easily report anything with impunity.

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 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was doing a transaction on an individual who was going to provide me services to get my taxes done. However, he flaked out when it was time to get it done. He lied about it being refunded saying XXXX will take care of it but XXXX never did. So Im short XXXX dollars from this situation. I contacted XXXX and made a dispute and it was both denied. I been with both for many years. It all started on XX/XX/XXXX. I spoke with the lady at Bank of America on XX/XX/XXXX and she did nothing to handle my dispute

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 2020-02-23 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: NC

Complaint narrative:
I have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX  XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
People 's United Bank makes it onerous to near impossible to close their accounts. I have had a small balance in my account for a number of years, and their first request is to ask you to visit a physical branch since you can not close the account online or by telephone. Then they make it onerous, severe and unusual in trying to link external bank accounts ( I have had 2 external bank account efforts cancelled despite verifying the 4 direct deposits ).

Consequently, it has taken multiple phone calls, messages, and time to go nowhere - and they now require me to send bank statements from my other banks I want to link in order to get approval ( and then re-verify the external micro deposits ). To say the least, they are so happy to open accounts for people but make it impossible to close accounts with them because their systems are outdated and require paperwork. Few modern banks require so much paperwork and verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: NC

Complaint narrative:
I have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: BB&T CORPORATION
State: WV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE On XX/XX/XXXX ... I ordered a $ XXXX-Flashlight ( XXXX XXXX ), ON SALE! 

using my Debit Card ( checking acct. ending in XXXX. 

HOWEVER, on XX/XX/XXXX ... 
XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE POS * {$49.00}. 

*CHARGED my DEBIT CARD, ''again ''!! THAT WAS NOT AUTHORIZED, BY ME, AS I PAID IN FULL, FOR $ XXXX-ON XX/XX/XXXX. 

Please get my $ XXXX-BACK ... ( into my account at ''BB & T Bank '' ... I CONTACTED ''BB & T '' BANK, & THEY TOLD ME, THEY COULD NOT HELP ME ... which is now XXXX XXXX. 

Thanks, XXXX XXXX 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 2020-02-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my 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