vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Poser Investments, Inc.
State: WI

Complaint narrative:
I opened a equity reserve line of credit with XXXX XXXX XXXX XX/XX/XXXX for {$20000.00}. 
Debt collector purchased this loan in XXXXand now at the end of XXXX sent me a notice of default and demand for payment XXXX XXXX XXXX  became XXXX XXXX in XX/XX/XXXX. 
My last payment to XXXX XXXX was XX/XX/XXXX. XXXX XXXX closed my account as of XX/XX/XXXX. XXXX XXXX charged off my loan XX/XX/XXXX. XXXX XXXX sent me a settlement offer dated XX/XX/XXXX for {$4200.00} at that time the total as of XX/XX/XXXX was {$21000.00}. 
I did not pay the settlement offer due to the fact I did not have {$4200.00} at that time. The last correspondence I received from XXXX XXXX was dated XX/XX/XXXX. 
I filled for bankruptcy XXXXand my discharge date was XXXXWhy did I not receive a notice of default after my bankruptcy was discharged? I did not receive any notice of default until the letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received multiple calls ( 5x+ ) for months on end, I finally requested proof of the alleged debt from XXXX XXXX XXXX and have in the past few months/weeks been actively sending proof that I was charged for service after the account/service had already been requested to terminate. 

On Friday, XX/XX/XXXX XXXX XXXX after a representative and I spoke with XXXX at XXXX XXXX XXXX he confirmed that the charges were for services through XX/XX/XXXX. I explained that I returned all required equipment and terminated service in XX/XX/XXXX. XXXX suggested that I dispute the charge and send confirmation, at which point I sent email confirmation to Credence showing all items were returned. 

On Monday, XX/XX/XXXX XXXX XXXX I received an email stating that they received a response back from the creditor that the charges remained valid. I replied to the email that it was not possible as I had alternate service. I was then asked to send further documentation which I did that showed I had XXXX XXXX streaming service as of XX/XX/XXXX which was paid.. 

As of today, Tuesday, XX/XX/XXXX XXXX XXXX, I received response that despite the documentation sent, the charges were due as my account was not current and I still needed to pay the balance. Beyond upset, I contacted the company and requested to speak with a manager. That manager, XXXX XXXX, escalated my call to a second manager, XXXX XXXX. I again tried to explain why the charges were invalid and also explained that I was quite annoyed by their repeated attempts and failing to understand why I did not owe this bill. Mr. XXXX ' only suggestion for making the bill and calls go away was to pay the bill as it was still owed. 

Logic is not an option here and they fail to connect the dots. Whether it is greed or a language barrier I do not know, but I do not need this stress for a bill that I clearly do not owe. Customers should not be at fault for a company 's inability to follow through and disconnect service. 

In addition to this complaint I have also filled one with the XXXX as this is beyond ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts. Please remove them immediately. 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 2021-02-23 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:
As a federally protected consumer under title 15 USC chapter 41. I sent certified mail return receipt on XX/XX/21 outlining federal law 1681a ( 2 ) ( B ) which states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the card I used to originate every consumer credit transaction listed in my complaint. They should all be removed from my consumer report Pursuant to USC 1681a ( 2 ) ( B ).

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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
XX/XX/17, XXXX along with ERC is claiming that I owe {$170.00}. Which I believe is FRAUDULENT. I never conducted business with XXXX during 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SEE FTC AND EQUIFAX REPORT : ERRORS SEE ATTACHMENTS : XXXX XXXX XXXX XXXX WRONG XXXX XXXX XXXX WRONG Social Security Number xxxxx XXXX CORRECT Age or Date of Birth XX/XX/XXXX XXXX  CORRECT XXXX XXXX XXXX XXXX hippa VIOALTIONS. 
MORE WRONG INFORMATION WILL UPLOAD IN ATTACHMENTS FOR ALL PROOF XXXX XXXX  XXXX XXXX XXXX  DATA BREACH OR FCRA VIOLATIONS I'M NOT THE EXPERT YOU TELL ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXXData breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
a negative was discovered on my credit, by XXXX XXXX XXXX and XXXX i had to reach out to this collection agency not from them but from the report. The worker from Amshercollectionservices admitted they never informed me of this dept due to it had been past around from several collection companies. I twice during the conversation told XXXX that i recorded the phone call. I requested validation of there right to collect a dept and a contract that we have entered into with my signature on it. under the fair reporting act. they admittingly told me that they didn't have to contact me and inform me of the collection, because other collection companies had been trying to collect. viewing my XXXX report XX/XX/XXXX the same day they told me they got it was the date its was placed for collections. my due prosses was disregarded and i plan to file complaints to the XXXX XXXX XXXX against this company for this and other right violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, my account was closed and {$2300.00} was taken from me from my Bank Of America account with Arizona XXXX  XXXX XXXX XXXX on accusations of fraud. I proved my identity, sent in pictures of my social security card and drivers license, and was verified. I was issued a new card, and was told the money would be reissued to me. I never received the money back, and have been working with both companies for months and I havent seen a XXXX of that money that was taken 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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have XXXX, and received an alert that my social security number was used by factual data on XX/XX/2021. I reached out to factual data to file a dispute that I was told by factual data that could take 30 days. I was not aware of the Inquiry by factual data nor did I apply for anything online. When I received the report from factual data to remove this Inquiry from my Credit report that I did not authorize. I was denied. Then I was informed that the factual data report was authorized by a company called XXXX XXXX. Then I was informed that this was a Mortgage loan from Online. Again I did not authorize or apply to any Mortgage Company online. So I have filed an Identity theft fraud complaint with the credit agencies. I'm just requesting this inquiry, and information removed from my Credit report from Factual Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
XX/XX/XXXX, I did not have any communication with XXXX XXXX XXXX in XXXX. They are attempting to collect a debt that is not owed to me. This is FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX and navy federals is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: eToro USA LLC
State: MO

Complaint narrative:
XX/XX/24 etoro app shut down around XXXX with all my cash and XXXX in it. Has been having 'technical difficulties ' for the past 6 hours, causing me to be unable to buy/sell XXXX. As a result I have not been able even see my account and have lost alot of money since I am not able to access or trade during a downturn in the XXXX market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
The company calls multiple times a day, they do not leave messages, when I answer they hang up. It is for a debt for XXXX, and I have contacted them and complained.

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 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
I have sent a debt validation letter on XX/XX/2021 to the company Independent Recovery Resources , inc. and the company has failed to validate my debt. Instead they sent a list of my medical records which i know is a direct violation of HIPPAA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

Company phone number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine because my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Also, most of the inquires were made on the same day. I didnt authorize these inquires. I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

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