vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. Equifax and XXXX both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. 

I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. 

In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for Equifax, which you can see linked to on the screenshot. And I mailed XXXX at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. 

I requested advice from the law firm again and they've suggested submitting disputes to Equifax and XXXX, and a complaint to the Consumer Financial Protection Bureau. 

Equifax and XXXX 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting Equifax and XXXX to update their records, beyond this submitting a complaint here. 

I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. 

Please let me know if any additional information would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: GA

Complaint narrative:
Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXX # XXXX ( appearing three times ), XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. 

Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.

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 2022-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account XXXX was closed and I received two closure checks for {$4.00} and {$18.00} but I did not receive a closure check for the {$890000.00} cent in my account and am missing that check, please mail me the {$890000.00} check that I am missing.

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
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: IL

Complaint narrative:
Again, ERC/Enhanced Recovery Corporation has ignored my demand to cease calling me and called again today, XXXX XXXX, XXXX, XXXX. I've told ERC in writing in XXXX and again during intercepted calls in XXXX that I DO NOT KNOW PERSON WHOM IT SEEKS ; TO CEASE CALLING ; AND REMOVE MY NUMBER IMMEDIATELY! 
I'd just made a similar complaint to CFPB yesterday, XX/XX/XXXX. Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
i have contacted Robinhood via email, social media and phone to no avail. They continue to keep my nearly {$2300.00} in my account and are refusing to allow me to w/d my money. they keep coming up with 100 % false emails and lies that claim I said there was fraudulent activity on my account. I NEVER said that. In fact, the only fraud actually is on part of Robinhood who continues to pretend to be doing something about this issue by emailing once in a while that they will get back to me but never do. 

Robinhood has and continues to commit theft, conversion and fraud by misrepresenting its practices and procedures regarding funds withdrawal. Further, their clear lack of policy and procedure for handling issues they can not even identify ( i still do not know why my account is " frozen '' ) is a clear indication that everything they represent and warrant in their solicitating my business, disclosures, etc. is COMPLETELY FALSE. 

They have take NO ACTUAL OR REASONABLE steps to address my 30 plus emails. Under false pretenses, they pretend to be looking into the matter and in fact its HIGHLY PROBABLE that they are not. 

My next steps will be to contact the SEC, the Illinois department of financial and professional regulation to ensure that XXXX is held accountable but more importantly - its workers who i am sure are all licensed in some form or fashion are disciplined and/or lose their licenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I went to check my credit report on XX/XX/2017 and found a couple items on my report that I was not aware of that was in collections from a company XXXX FUNDING LLC in the amount of XXXX and XXXX. I have sent in multiple letters to this company and even placed a police report with my local department. I also have made a complaint via this platform which should show on file of my previous letters sent to the company. They have not provided me with the proper information to verify this alleged debt. They continue to report negative only on my XXXX credit report. Included is the letter I have sent them along with a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mid 2021, 3.5 years into our loan, our mortgage company was sold from " XXXX '' to " Mr.Cooper. '' We pay our homeowner 's insurance via our mortgage payments and they sit in escrow until years end and the lender then pays my insurance premium. 

After exactly 4 years of owning the home they said they didn't know what company to pay the homeowners policy to since the previous company XXXX did not provide that info to them. They say they called my insurance company to get consent from me to pay the insurance. My insurance company says they would have called me in 3rd party to give my verbal consent and that they never attempted to contact them. 

My new lender, Mr.Cooper, then went ahead and signed me up with a new homeowners policy from what I believe to be one of their affiliates or entities. My previous policy premium was set to renew with a new amount of {$1100.00} per year. The new company called XXXX XXXX XXXX XXXX whos premium is costing me {$2100.00} per year. 

I did not consent to start this new policy and never received any attempts from Mr.Cooper to call me to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of XXXX I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX  XXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my XXXX  misspelled my name.

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 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I froze my credit card in XXXX of XXXX after my office shut down and I was temporarily unemployed. Previous to this office closure, I had always paid on time and had not missed any payments. When I called to reinstate my account I was told that it was past due and I needed to set up a payment plan with a specific website with a specific PIN number which I obtained. I was then contacted by mail in XX/XX/XXXX by an office representing the credit card company which stated the same information with a different total then I had. I wrote them back by mail in XX/XX/XXXX as was stated in the letter and detailed the agreed upon repayment plan and to confirm the payment restart date of XX/XX/XXXX. I did not hear anything further from anyone else until I was served with a summons on Wednesday XX/XX/XXXX stating that I had a court date of XX/XX/XXXX regarding this very credit card. They set up a plan and then proceeded to ignore the entire plan without contacting me and letting me know that they were no longer adhering to the plan we had agreed upon.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
On XX/XX/2021 by certified mail I sent in a written dispute to Experian regarding an account with XXXX XXXX ( Collection ), that was being incorrectly reported on my file. After more than the 30 Days provided to the Agency to conduct a proper investigation on XX/XX/2021, I reached out to an Agent by the name of XXXX XXXX, who is an assigned case manager to my file. I explained that I was concerned as to why the invalid account was still being reported after the 30 Day period. The agent then stated that he would resend the dispute a second time, although the original time granted was expired and three days later I received a notification that the furnisher 's information would remain. I then recontacted the agent as to how was this second investigation completed after two days, as well as, questioned the lack of thoroughness and he stated that the company could simply reply yes or no to the information remaining on the account. Experian has failed to thoroughly investigate my dispute and remains reluctant to take accountability for their lack of efforts. This reporting has lowered my score by XXXX points when it first occurred and is havoc causing on my credit file.

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI

Complaint narrative:
We have been struggling to pay our mortgage payment through the pandemic. Triad Financial Services has been horrible. They harass us and ask personal questions, as well as, criticize us because we are late paying because of our circumstances. They are unwilling to help and work with us. They just use threats and harassment to communicate with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I transferred funds in the form of XXXX from my XXXX XXXX account to my Binance.US account. 
The transaction status says complete and funds have been removed from my XXXX XXXX but have not been deposited into my Binance.US account. 
I have made several attempts to contact Binance.US but receive the same automated message. 
They have not/ will not get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RFNA, LP
State: SC

Complaint narrative:
Hello XXXX Republic Finance company in XXXX SC keeps calling my employer XXXX from XXXX when I have asked them not to call my employer. I am in credit counseling with XXXX XXXX XXXX XXXX. I have told them not to call my work and they keep on doing this. Please reach out to them and inform them that this is harassments and I will sue if they do not stop. they can call my Cell phone but not my employer. dates are XX/XX/22 and a couple of months ago. I reached out to them today and informed them not to call my employer. 
Please have them stop XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
The credit agencies : TransUnion, XXXX, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXXXXXX XXXX XXXX XXXX XXXX is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.

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 2022-01-19 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: CA

Complaint narrative:
The credit agencies : XXXX, Equifax, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX Management : Rise of California is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$300.00} to this company and right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
A company by the name of TrueAccord continues to contact me in reference to an alleged debt that I am not aware of. They have stated the amount of the debt is XXXX and XXXX. I have requested multiple times that they verify this fraudulent debt and they have failed to provide me with the proper verification to investigate this alleged debt. I have sent multiple letters to this company. I have now sent in another letter and also provided a police report of this matter as this is reporting negatively on my credit report for a debt not mine or verified.

Company response to consumer: Closed with explanation