vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions is a debt collection agency that contacted me by mail on XX/XX/XXXX regarding a debt they stated I owed. I responded to this collections letter via return mail on XX/XX/XXXX, disputing this debt as they provided in their letter. The letter was mailed to their firm on the next day, XX/XX/XXXX. There was no reply received from Radius Global Solutions to my dispute letter. 

However, on XX/XX/XXXX, I received a second collections letter from a second collections agency called XXXX XXXX XXXX. There was no indication in this letter that XXXX XXXX XXXX was aware that this debt was in dispute. In addition, it is possible that Radius Global Solutions has violated the California Fair Credit Collections practices statues by forwarding this debt to a new company subsequent to my written request for more information as to the debt and whether I owed the debt. 

Since I did not receive any proof from Radius Global Solutions, I disregarded the debt and it was not paid. I do not believe Radius Global Solutions had the right to transfer this debt to a new collection agency, as they did not prove that I owe the debt. 

Radius Global Solutions should be held accountable for this possible violation, and the original request should be honored ; in that, Radius Global Solutions should furnish proof that I owe the debt, and if they can not do so, I should no longer be contacted about this debt. 

I feel like I am being scammed by these companies involved.

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 2022-08-12 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: NC

Complaint narrative:
On XX/XX/22 I went online to see that my credit score for Transunion score dropped XXXX and my XXXX dropped XXXX for no explained reason, I spoke with a rep name XXXX from XXXX and she stated it would be 7-10 business days but she was able to submit an escalation because she didn't understand why a hard inquiry would drop my credit score that many points so then i proceed to speak with to chat reps from Transunion I spoke with XXXX first then XXXX so i was provided with the customer service number and I spoke with XXXX who if you play the call back who kept telling me Basically I need to improve my credit habits and its nothing they could because a hard inquiry should NOT drop a credit score XXXX its between XXXX so I asked for complaint information and he stated I would need to go to CFPB.COM. Now here I am typing this email because Transunion doesn't even have explanations of why but are telling how I have derogatory marks which is only XXXX on my credit and that's why my credit score decreased which doesn't make sense still because they are not new to my account. If someone could reach out to me by email XXXX or by phone 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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: IA

Complaint narrative:
I have an account with Albert ( managed by XXXX XXXX  ). They advertised a promotion where if I referred another person to become an Albert customer and they met certain requirements, they would receive a {$150.00} bonus, and I would also receive a {$150.00} bonus.

She met all of the requirements, and her bonus was posted to her account. I reached out to Albert customer service to inquire when my bonus would pay out. From the start, Albert seemed intent on making sure they didn't have to pay my referral bonus as promised.

- They first responded that the person I referred had not completed their requirements. I explained to them that this wasn't true because her bonus had already posted to her account.

- The next excuse was that she hadn't done it within 150 days. I also explained that was not true.

- The next excuse was that she had deactivated her account. Also not true. She had actively used the account as recently as two days prior. 
- They then asked to have her reach out to customer support to have them investigate on her account. She did, and everything checked out on her side. The agent verified the referral link was correct and that she had successfully completed all of the requirements to earn the bonus ( which are also what she needed to do for me to earn the referral ). They informed her that I should continue with customer support on my account- When I reached back out to continue with customer support, they once again claimed that she had not met the requirements. I again proved that to be incorrect. 
- The final excuse was that their system did not show that she was referred as a customer and claim that she must have applied without a referral link, and there was nothing more that they could do. I know this to be 100 % false, as I sent the link and helped her in applying/signing up while sitting right next to her. All steps were completed correctly and completely. 

I'm not sure what you call this ... bait-and-switch, false/unlawful advertising, etc. At best, these are questionable business practices to make a promise to obtain new customers, then not follow through on those promises.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i submitted this problem to both companys before and got same response im tired of waiting for them to not do anything and waiting a week or longer they should just delete inquirys right away

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 2022-08-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
these inquiries dont belong to me. i tried to dispute but the companies said no account they cant help Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Dispute this XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: MD

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 XXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2022-08-12 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: MD

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 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX 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 XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 

Thrn used The account that they referred to as the third party ( XXXX ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 

Said debt was charged off the punched by LVNV Funding LLC... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 
Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX 

Please remove said derogatories from my credit report with all three buearus immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: WA

Complaint narrative:
Greetings, I have financing my vehicle through Westlake Portfolio Managment. I pay $ XXXX {$590.00} with fees if Im paying it over the phone with an agent instead of automated system which takes longer. I have trying to get an extension because I have XXXX kids XXXX  XXXX XXXX XXXX XXXX XXXX  and a husband to take care for. Westlake always call my phone and threatens to repo my vehicle if I dont make a payment. When I request for an extension they told me I had to pay {$50.00} for an approved extension. So I waited until I had the {$50.00} which was a day after I spoke to West lake portfolio management. I called and made the payment for {$50.00} and was told by a supervisor that she will grant my extension. 2 weeks past I noticed my extension hasnt been granted but now my account says I owe {$1100.00}!! I been paying this company for over 4/5 years now and Im not even half way through paying this auto loan because their interests are so high, they wont lower my payment because they said they dont offer refinancing. Im struggling with this company taking so much money from me please help our family. Their customer service has 0 customer service skills. I just spoke to a customer rep and was told hes going to submit another extension request and this will be the fourth extension since that original one has been made!! There is something sketchy about this company and someone needs to put a stop to their scams. And I now have a {$400.00} late fees that I cant remove because they told me I have to pay it theres no way around it. Please 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 explanation
Consumer complaint received 2022-08-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On Sunday, XX/XX/XXXX I got an email alerting me that my email address had been changed on my Experian account. I had not changed it. 

I am a victim of identity theft, so it was clear to me my ID thief, who I know has my social security number, had seized control of my Experian account. This is a big problem for obvious reasons. I tried to log in to my Experian account and they said the user didn't exist. 

I emailed the publicly listed customer service email for Experian, as well as the one listed in the email they sent about my email address being changed. I didn't hear from anyone for 2 days. The next morning when they were supposedly open, Monday, I called their customer service line listed on their website, but it was impossible to talk to a real person. This was obviously by design. 

When they finally emailed back, it was from the non-publicly listed email that was in the " your email address has changed '' email. I asked them to provide some verification that they were really from Experian, since they were asking for personal information and it was an email address I couldn't find publicly listed. Two more days later they responded by writing, and I quote " I'm happy to inform you that the previous agent and me are from Experian and we are from the Email Department of Experian. '' This is ridiculous. Adding the registered trademark symbol to the end of the company name and saying you're from there is not real verification. 

I want to talk to a real, verifiable person from Experian on the phone and get this resolved. The email situation seems exceptionally shady, and their security system was so lax that my ID thief was EASILY able to seize control of my account. They also leaked all my personal information in XXXX which is likely how I find myself in this situation in the first place. 

Every day my ID thief has control of my Experian account means they are able to apply for more accounts in my name and get credit pulled. 

Even better- I would like to prevent Experian from gathering any more information about me and expunge all my info in their records because they have been so wholly irresponsible with it. If lenders need my credit report, they can use the other credit bureaus. 

Thank you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I just want to make sure that it is a legitimate debt collecting company. I paid them {$610.00}. there name is " XXXXXXXX XXXX '' Address & telephone number : XXXX XXXX XXXX XXXX XXXX, CA XXXX TEL : XXXX I paid them because they threaten to sue me and garnish my wages so I was afraid. I have tried to look for myself to make sure that it is not a scam and I am hoping that it is not but I want to make sure please. Thank you for your help with this matter. 

Sincerly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde  hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, Capital one, and XXXX XXXX. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to capital one and they have refused to remove the inquiry. I have also contacted XXXX XXXX  XXXX XXXX Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
" purchased '' boot from XXXX. I paid with Paypal. Never received the product or any communication with fraudulent seller. Paypal registered this as a transfer to Friends and family. I paid {$96.00} and no refund and never received the order and never had any communication with someone called " XXXX XXXX '' which clearly sounds like a fraud.

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 monetary relief