vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: IA

Complaint narrative:
Many emails saying that I applied for credit and they refuse to help find who was applying for credit using my information and committing fraud also they said I needed to pay them to give me information. Someone is using their platform to apply for credit with my personal information and my email address and I can not use my email to login as it says it does not exist although when trying to recover password says it does exist. Someone on the inside of Experian has breached personal informaiton and is misusing it. 

They refuse to find out who entered and how they were using my information or to contact those who made inquiries trying to apply for credit. They kept transferring me saying it was another department without regard to a breach in their own systems as XXXX creditor who emails me I called back and said fraud and they said they ggot the request direct from Experian so Experian is the center of all and they refuse to help or rectify things.

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 2022-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
My wife received a call on XX/XX/XXXX from XXXX XXXX from phone number XXXX claiming to be from XXXX XXXX XXXX. This company has no website. I found a XXXX profile that takes you to website XXXX ( XXXX XXXX XXXX ). We spoke and to XXXX and it all sounded fishy. She says Mediation from XXXX XXXX XXXX and that my pay is going to be garnished from a loan back in XXXX for {$1000.00} to a XXXX account but then offered a settlement for {$800.00}. When I asked for any documentation she said they do not send any documentation but I could contact the company " Checking into Cash ''. She gave me the original account number : XXXX. She claims they have 15 years to try and get these funds back. I informed her I was under the impression Maryland does not allow payday loans. We went back and forth and I told her I disagree with this entire " case '' she is presenting. 

I tried calling " Checking into Cash '' ( https : //checkintocash.com/maryland/ ) they will not answer the phone. I waited for XXXX minutes with the messages saying what queue number I was on XX/XX/XXXX. It got to position 1 and hung up saying it could not complete the call. Today XX/XX/XXXX I go an automated call from XXXX a person answered the phone and said they were from XXXX or XXXX something XXXX mediation. She asked why I was calling I said they called me, she said it was automated and immediately transferred me to the same lady XXXX. XXXX asked why I was calling I said they called me from some mediation company she said she didn't know who that was and it couldn't be right and after insisting I did not call she said this is XXXX something mediation for XXXX XXXX XXXX. She said this will affect me financially having my pay garnished. I told her I will gladly see them in court since no one will provide documents or answer the phone. More importantly on the checking into cash website it says right on the screen their services are not offered in Maryland so how could I have a loan from them? Also Maryland has a 3 year limit on debt collection and this was supposedly from XXXX making this just shy of 7 years given the date she claimed XX/XX/XXXX. More concerningly she had my full social and dob. I tried calling checking into cash again today XX/XX/XXXX spoke to someone that immediately transferred me to the hold line again, waited for the queue got to position one and again it hung up on me. 

I have never received any money from this company. 

Phone numbers used : XXXX, XXXX I believe this is a scam but if it is not for some reason- it is entirely invalid. There have been no letters or contact or anything on any credit reports or background checks which I have completed recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit Corporation recently posted a derogatory collection notice on my credit report for the amount of {$430.00}, supposedly on behalf of XXXX XXXX. 

I've never heard of Penn Credit, never had an account with them, and have never been contacted by them. Further, if Penn Credit is indeed a legitimate company, I've not had an account with XXXX XXXX since XX/XX/XXXX and had paid my actual usage balance in full at that time. 

The only prior debt that XXXX XXXX had alleged I owed was from XXXX, and in XXXX I sued XXXX XXXX in XXXX XXXX XXXX XXXX XXXX and it was proven XXXX XXXX was completely unable to substantiate this supposed debt with any evidence or proof. The judgment was ruled in my favor. 

Therefore either this debt collection attempt is outright fraud, or it's XXXX XXXX 's pathetic attempt to collect a debt that was dismissed in court XXXX years ago and Penn Credit Corporation has been lied to by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I was sent a Debt collection notice from COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX XXXX. The total amount for collection is {$23000.00}. I contacted the company and inquired why? They informed me that someone had been using my identity to rent a property from XX/XX/XXXX - XX/XX/XXXX in Georgia. I have never lived in Georgia nor have I given anyone permission to use my information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am XXXX XXXXXXXX and have applied for Social Security XXXX with input from my physician. 

I am unable to pay my American Express Credit Card because of my unemployment and that Im waiting on a XXXX decision. 

I received a collection call from American Express and advised the representative of my situation and immediately requested a Cease and Desist for all calls and e-mail communication. I requested that I only be contacted by mail. 

My C & D request required that I be placed on hold multiple times and transferred to multiple agents over a span of 27 Minutes! Near the 27 minute mark I was told that my C & D had been a

pplied to my phone numbers but I would need to be placed on hold again so another department could be contacted to C & D my email address. I could not wait on the phone any longer. American Express has implemented a Cease and Desist process that is unduly burdensome because no other company I have worked for or been a customer of has ever taken even just half the time that American Express took, and when I hung up my C & D request still had not been fully completed to include my email address. 
I demand that American Express cease all communications with me, and I believe their C & D process should be reviewed by the CFPB due to it being structured in a manner which requires lengthy phone calls which are unduly burdensome as demonstrated by my inability to stay on the phone for more than 30 minutes - not to mention the stress of that situation. 

I believe American Express has designed this process to be unduly burdensome to reduce the number of Cease and Desists that it actually completed due to customers getting frustrated and hanging up. 

Ive included a screenshot showing my XXXX minute call with their collections phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-06-21 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: NY

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXXhis 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 year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old 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 2022-06-21 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: MI

Complaint narrative:
Hi I am submitting this 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 XXXX 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 XXXX 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 year old 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 2022-06-21 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: GA

Complaint narrative:
im a victim of identity theft on all collection accounts as well as hard inquiries.

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Navy federal has messed up both my business and personal accounts on several occasions. The most recent was an issue with my business account where transactions aren't shown in real-time. The check and each transaction that are returned do not show up on your account and you are notified three days later not leaving the bank account holder any room for errors. I was told that I needed to get a letter stating that the transaction was unauthorized and that they would refund my fees. I provided the letter and only one fee was returned as of this date. The company previously made a mistake with another disputed transaction that cost my business XXXX dollars. If this is not resolved we will file suit against Navy to settle our disputes with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are inquiries that I do not recognize. Please see the attached form.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are inquiries that I do not recognize. Please see the attached form.

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 2022-06-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # 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 an 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 non-monetary relief
Consumer complaint received 2022-06-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc.
State: MI

Complaint narrative:
This all began in early XXXX when I received the letter concerning my Mortgage increase. They included my water bill in which I had explained that I had paid and wanted them to review it without out the water bill on my taxes. They requested for me to email them the information in which I had done. I had called 3 times prior to XX/XX/XXXX concerning not receiving my bill. They promised that they sent it, I explained that I was leaving on vacation and wanted to pay my mortgage prior to leaving on the XXXX. Finally they sent me my bill on XX/XX/XXXX. Mind you I was out of town and now my payment was late. When I came back I notice the bill and called right away. We mailed the check out that same day. They stated that there is nothing that they can do as the XXXX was the deadline. I kindly reminded them of all the calls that I had prior and needed for this to be reviewed. I was asked to call back and that they will only waive 1 late fee for the entirety of my loan in which they stated I can ask for this to be reviewed. Mind you I had been waiting now since the beginning of XXXX for them to review my taxes. I asked about this and was told that oh I see the email, but nothing has been done I would need to call back. I have a job! I have spent more time on the phone with the mortgage company than I do my own husband. I called the next day and they never ordered for the review and now it will take another 15 days. So I call on XX/XX/XXXX to make my payment for XXXX as they still had not processed my check from XXXX. They asked for me to cancel the check and call back to make the payment. I call today on XX/XX/XXXX to find out that they applied my XXXX payment to XXXX making me now 2 months late on my mortgage. This is all their issue and I want this all to be rectified and for me to now be compensated for doing their JOB. This has been the worst company that I have ever dealt with!

Company response to consumer: Closed with explanation