vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am a victim of identity theft which have created a great deal of pain and suffering. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Amex are breaking federal law attempting to collect a debt that is not owed. I do not owe Amex bank any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX, XXXX and XXXX ). I am also requesting an audit trail according to XXXX that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This is to confirm that I am submitting this complaint on my own behalf. 

Midlands Funding is reporting information on my credit report that is inaccurate across agencies and is unverified. I have attempted to resolve this matter several times and this company continues to report this inaccurate information. I do not owe these debts and have no knowledge of such XXXX XXXX XXXX Facts : 1. I do not owe this debt 2. This alleged debt is reporting inaccurately across credit bureaus 3. I have disputed this account and it has been validated. 
4. This unvalidated account is reporting as OPEN ACCOUNT which is additionally not under FCRA compliance. 
5. This company does not have permission to communicate with me. 

This is intentional inaccurate reporting and I demand that it is removed immediately as per 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a mortgage pending! This company Santander USA is a fraud! I put XXXX down on a XXXX XXXX XXXX with them and, I had all of the car payments set up on automatic draft monthly with my old XXXX XXXX account which I closed down at the end of XXXX! I was sitting at a red light on XXXX and, I was rear ended while sitting still at XXXX in a XXXX mph zone and, the car was totaled out! The car payment was XXXX monthly however with taxes and, processing fees they took out way over that amount monthly as I will send in the document provided below! On my XXXX report which they didnt change they had that I pay the XX/XX/XXXX payment late and, XX/XX/XXXX 30-59 days late that is wrong! They drafted the XXXX payment on XX/XX/XXXX which was one day before XXXX out of the XXXX XXXX account! In addition I sent proof to XXXX & they updated it the exact same! I am furious my XXXX XXXX agent got a pay amount from from them and, they got a payoff, a diminishing value and, a gap insurance check which all went directly to them by XX/XX/XXXX! Which was well over what they quoted the payoff was & an additional XXXX from me also! XXXX XXXX is reporting XXXX and, I sent them profs of payment also! It wasnt a XXXX it should report OK. They got a XXXX & XXXX payment although the car was in a salvage yard & undriveable since XXXX when I was rear ended in it XXXX & they didnt even give me a pro rate for XXXX or XXXX by XXXX my insurance company paid this car in full! Then on XXXX they have that o have a 30-59 day late for XXXX of XXXX I didnt have an account anymore these people didnt pro rate XXXX, or XXXX they got a car payment 3 insurance checks one from gap, XXXX & a diminishing value check all by XXXX of XXXX! On both XXXX & XXXX they stated I settled it for less like its a charge off or a VOS which is killing my excellent credit! It was paid in full not settled for less not underpaid either it was over paid and, I didnt have a account XXXX of XXXX so the XXXX XXXX XXXX late is totally wrong! I need this corrected ASAP I have a mortgage pending this is awful. I was a great customer to them! Years later Im fighting this now I need a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mar Joe Enterprises
State: FL

Complaint narrative:
CBC is trying to collect money from me for a septic tank emptying that was ordered by XXXX XXXX and performed by a septic company I never spoke with nor had any dealings with. I never ordered this service and did not own the home at the time. I ordered an inspection not a pumping of the tank, which they, XXXX XXXX XXXX procured themselves. Then they turned this over to CBC who initially contacted me on a blocked number and refused to identify themselves as a debt collector, were rude and threatened to ruin my credit history and refused to give me any information about who they were and why they were calling. I have sent a letter to CBC asking for proof this debt is mine and they have none. This is consistent with the fact I never ordered such a service or contracted with anyone to have it done. At the time it was performed I DID NOT ON THE RESIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: IL

Complaint narrative:
I have submitted all the requested information over 30 days ago and they will not provide a closing date or even a window of time for closing. My contact tells me it is in for final approval but can not give me a firm date or any other information. They have been extremely slow to respond and I suspect they are slowing the process deliberately. I asked several times to speak to someone in management but they refuse. XXXX XXXX has ignored my calls and emails and XXXX XXXX has been much more responsive however after multiple attempts to get a closing date they just give me the same answer and tell me there is nothing they can do. I am loosing significant interest savings every month that goes by without closure. I have good credit, income and there are no blemished on my financial track record. I am very dissatisfied with the level of service and attention this has received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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:
It said that you can't longer use Paypal. I don't know why I can't use it anymore I can't send or receive money, I still have a balance that needs to get. My email linked to my PayPal is XXXX. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through eOscar. 

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: GA

Complaint narrative:
The company has reported to all 3 bureaus that the account was discharged in my CHXXXX bankruptcy which closed in XX/XX/2021. They are reporting late payments to my credit and sent me another collection letter on XX/XX/XXXX. Bankruptcy guidelines are very strict that once the debt has been discharged they are not to continue collecting. This company is committing fraud by pursuing this the way they are. I want Total Visa to quit contacting me in regard to this matter and remove themselves from my credit and stop reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: MI

Complaint narrative:
On XX/XX/21, I applied for automotive loan through XXXX XXXX XXXX XXXX for {$5500.00} for used car. I clearly authorized for only 1 credit inquiry by the agency to pull my credit report, however on my TransUnion credit report, it shows 4 inquiries from unknown banks ( XXXX XXXX XXXX XXXX and XXXX XXXX ) while there should only be 1 from XXXX XXXX. All the other banks are unknown and are not providing me any loans or services, however they have ruined my credit report by putting hard inquiries without explicit authorization. I would like these companies to remove their inquiries because they never received explicit authorization from me. XXXX XXXX is misusing my authorization for 1 credit inquiry to put 5 credit inquires on my TransUnion and XXXX credit reports which is not right, I was clearly told of only 1 credit inquiry. 

Please have these companies stop misusing authorization for 1 credit inquiry to put 4 hard inquiries. This is complete misuse of authorization to steal from customers and misuse their information. 

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 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: IA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I created an account on Binance.US to purchase cryptocurrency in XX/XX/XXXX and they froze my funds on XX/XX/XXXX and I still have not had access to my funds restored. A chargeback was issued on this date due to insufficient funds in my bank account. The website said my funds would be locked until I deposited an equal amount of money to cover the chargeback. The deposit for the requested money cleared on XX/XX/XXXX and my funds are still frozen. I find it odd that they will accept money from me, but I am unable to restore access to any of my funds. I have submitted multiple help tickets and there has still been no response. Many others on XXXX have had the same experience. I feel there is nothing I can do and they are unfairly seizing my funds. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank ( XXXX Credit Card ) charged me interest XX/XX/2021 on a {$0.00} balance after I had missed a payment. I was confused about how I had missed a payment, but I realized it was probably because they have overcharged me interest. I asked for the terms of service where I have signed that they can charge me interest when I have a {$0.00} balance and the customer service reps are ignoring my questions. They gave me a {$39.00} credit for the first late fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I have not spoken with them on the phone. I have asked that they REMOVE the 30 day late payment theyre reporting to the credit bureaus because the company is untrustworthy. I have reason to believe the late payment is being fraudulently reported. I have received ZERO in mail correspondence from them. I mailed a dispute in regards to the late payment asking for a goodwill removal and they ignored it. They replied that it was a duplicate response and to refer to the investigation previously sent, but there wasnt one. They have ignored my requests, and in my asking for the original investigation letter and decision I realized they were charging interest that violates their terms of service. They have ignored me several times. I have mailed in requests. Emailed. And messaged on their secure platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX.

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: NY

Complaint narrative:
I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX. I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my rep
orts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Credit card charges were paid off recently. Please remove negative dispute information from credit file. Settlement agreement was reached with debt collection agency. National Credit Adjusters.

Company response to consumer: Closed with explanation