vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I came across with XXXX XXXX XXXX XXXX  XXXX  and get {$400.00} per week I fill up all my information weeks later I got a check over the mail for XXXX sane that XXXX needs to go today XXXX XXXX XXXX I deposit through XXXX {$500.00} in their account and then I realize that its scam, he pushes me to go and do a money order and send it to them via overnight mail then I realize that its a scam I called XXXX XXXX right away and try to stop the transaction I file a claim and XXXX XXXX just sent me XXXX XXXX XXXX that same they can not credit me back I wanted to see if someone can please help me Im unemployed right now and I thought that its gon na be nice to make an extra money I cant believe I fell into a scam

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 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: PA

Complaint narrative:
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, 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 regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CO

Complaint narrative:
I have a hard inquiry on my credit report from Capital One Auto Financing from XX/XX/2019. 

I did not contact Capital One about auto financing and therefore did not approve an inquiry into my credit file and I need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I have been reaching out to XXXX  and XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  and XXXX  have failed to provide me any feedback and updates with regards to my concerns. That means XXXX  and XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXXBalance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CT

Complaint narrative:
I Recently I looked at a copy of my credit report and noticed so many inaccurate information being reported. I feel these inaccurate information WITH REGARDS TO MY NAME ON MY CONSUMER CREDIT PROFILE AND THIS IS adversely affecting my credit report and costing me thousands of dollars in interest every year. I requested an investigation into the inaccurate information on my credit report by writing a letter to XXXX. it has been over 60 days since i requested for an investigation and a deletion of this inaccurate information but equifax has refused to respond to me and continue to violate my rights under the FRCA guidelines. 

THIS ADDRESS IS INACCURATE. IT IS NOT MY PRESENT ADDRESS NOR IS IT MY PREVIOUS ADDRESS. DELETE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTACHED IS MY MOTOR INSURANCE CARD WITH MY PRESENT ADDRESS ON IT. 
NOTE : PRESENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
I have previously submitted complaints against discover. In short, the current debt collector ( McDaniel Lloyd ) has not properly validated the debt and has made negative remarks on my account. Ive requested that they validate the debt and proof they have authority to collect it. They have not done so adequately. Specifically, they have failed to make a prima facie showing they have authority to collect under some instrument of assignment or purchase of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have been contacting XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  obviously failed to provide me any feedback and updates with regards to my concerns. That means XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : CREDIT COLLECTION SERV ( Original Creditor : HIGH POINT SAFETY ) XXXX-Balance {$240.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CA

Complaint narrative:
On XX/XX/2021. I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I have an unauthorized inquiry on my credit report from TD Bank USA / Target C. 

I have never done business with nor inquired information or submitted my personal information with the companies referenced above and therefore do not authorized a hard inquiry on my credit report. 

I am on and have been on XXXX XXXX military status and can confirm I did not submit or approve these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: CO

Complaint narrative:
In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my Transunion credit report. The inquires were made with XXXX XXXX, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither XXXX XXXX, nor Transunion seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.

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 2021-08-16 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: VA

Complaint narrative:
Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2021-08-16 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: VA

Complaint narrative:
Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i contacted transunion recently informing them of the information below provided to the CFPB by the company XXXX XXXXXXXX XXXX XXXX Company 's Response Please be advised that XXXX  XXXX XXXX XXXX has closed this account in our office. We will submit a request to the credit bureaus to have this account removed from the consumers credit report. Please allow at least 30 days for the removal to reflect on the consumers credit report. Thank you, XXXX XXXX XXXX XXXX XXXX 

complaint ID with CFPB : XXXX I then requested transunion to delete this information from my consumer credit profile but they refused to delete it. 

item to be deleted is : XXXX XXXXXXXX XXXX XXXX {$2000.00} - - - Address XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$2000.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was on XXXX XXXX orders while this company closed my account without my permission as of XX/XX/2020. 

I was simply trying to set up XXXX benefits, and let the company know I was having issues with their autopay system before I went on XXXX. 

To my dismay the company closed my account without my permission even though I had 100 % on time payment history with this 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 explanation
Consumer complaint received 2021-08-16 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: TX

Complaint narrative:
According to my credit report with XXXX  the amount I owed XXXX/COMENITY/XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money.

Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP
State: NJ

Complaint narrative:
Private Lender Keybank made 4 XXXX XXXX private loans from XXXX thru XXXX. I made payments timely payments for 18 years until becoming unemployed and requested forbearance and deferments through XXXX XXXX XXXX ( loan servicer ). XXXX denied the request and referred the matter to the original lender Keybank after 6 missed payments. Keybank refused to grant temporary deferment or forbearance and charged off all 4 loans.

Keybank and their collection agency ( XXXX  ) in the attachments provided, sent further collection letters to another employer and this caused my employer to terminate the employment in XX/XX/XXXX. 

Now I am offered terrific new employment, however, the negative credit reporting is delaying my employment start date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/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 2021-08-16 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: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my XXXX  credit report. The inquires were made with Regions Bank, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither Regions Bank, nor XXXX  seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.

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 2021-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I was attending XXXX XXXX XXXX I found out about this school because coming out of the county building once day they lied to me told me to sign this and to say this I never known how hard it will make things later on for me I told them I did not want a loan because I would be able to take on the responsibility I was homeless at the time I had no one to guide me to be honest I didn't even know what I was doing I don't even remember signing paper work I've have been trying to dispute this for year I'm now in debt XXXX dollar for money I never send not even complete the program when I call the school they always say they will call me back but never do I just don't know what to do anymore all they tell me is that I can come back and go to school their but they lied to me they told me I didn't have to pay anything back as long as I made good grades which I made straight As and I didn't sign anything I know of and the information that is listed on my paperwork is false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: US Best Credit Solutions, Inc.
State: TX

Complaint narrative:
I signed up with US BEST CREDIT XXXX  in XXXX of XXXX. They promised my credit score would be high enough to get me into a home by XXXX. Well XXXX comes and I apply for a mortgage and am denied stating my credit is no where near where it should be to qualify for a home. I made two payments to US BEST and then a lump sum for the remaining of the balance. My personal information has not been disputed and that's the first thing that should have been done. I was advised by US BEST that the person who was over my account " XXXX, '' no longer worked at the company but when my fiance called, XXXX picks up the phone. That is lie number one. I spoke with XXXX about sending off disputes which she said would be sent out that same week but when I emailed her about an update she said my file was on her desk and she would have more information when the audits were sent out. The same audits that were already supposedly sent. That's lie number two. I never received correspondence from any disputes that were sent out by them and apparently my credit is still bad. I paid for a service that I did not receive and was made promises that were not kept. The program is not over for me into XXXX they stated, but there's no way my credit could improve enough to get a house by the time my lease is up. I am wanting a refund because I have no good credit and now am out of thousands of dollars. This is a HUGE inconvenience for me, my fiance and my kids as we will have no where to stay now. My fiance also paid for services and his account was not even touched!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation