vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is about the consumer reporting agencies ignoring my dispute letters and also violating my consumer protection laws under the United States Code Title 15 Chapter 41. They are reporting that I owe debt. Under the definitions listed under the fair debt collection practices act, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money property insurance or services which are the subject of the transaction are primarily for personal family or household purposes whether or not such obligation has been reduced or judgement. Debt does not mean money according to congress. 
I am the original creditor because I extended to credit to the corporation. Therefore I am the only one who can validate this alleged debt because only the NATURAL PERSON can validate the debt not the corporation because a corporation is a entity not a natural person. So like I said I DO NOT VALIDATE THIS DEBT. 
Due to the fact that they have ignored all of my letters and violated my consumer protection laws under the United States Code Title 15 Chapter 41 I DEMAND THAT THEY DELETE THE ACCOUNTS THAT I HAVE LISTED ON MY LETTER OR I WILL BE SEEKING REMEDY!!

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 2021-06-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my employees. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is an XXXX XXXX XXXX on in my name on my credit reports with the account number # XXXX. I have requested the original documents over and over. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # 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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HW Holding, Inc
State: MA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown credit report. Its been over 60 days I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ) it its plainly stated that a failure to investigate these items with in 30 days give a reason to immediately remove those items from my credit report. Its has been over 50 day so its should be deleted promptly. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have my mortgage with PNC - in XXXX of 2020 we started the process to refinance and found many options. Even with better offers we decided to stay with PNC because the process should go quicker since they have our information and we are customers. We settled with PNC in XXXX and were to close by XX/XX/XXXX. 
XXXX XXXX and his team were unable to accomplish that closing date. We cooperated and provided any and all paperwork requested, our emails were not responded to in a timely manner. They claimed if they push closing date to XX/XX/XXXX it would definitely happen - here we are XX/XX/XXXX and we arent even getting requested call back or information on why this is taking over 6 months. 
My wife and I separately talked to 4 sets of friends telling them to refinance, they used other companies that didnt hold their mortgage prior. One friend closed in 2 WEEKS, One in 3 WEEKS the others within 2 months. 
I am looking for advice on if we should stay with PNC on this {$600000.00} deal or move to a company that can handle this in a timely fashion?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have American Express cards. As a consumer, I have found that cable TV providers and other commercial actors often try to lull me into inadvertently signing up for recurring charges. I have tried to search my American Express accounts online to identify all my recurring charges, so that I can regularly look at a list of them and weed out the ones I don't want or didn't know I had acquired. American Express has no such search option. They told me to look through successive monthly statements on my own, and see for myself if certain charges recur. 

XXXX! I am sure they can provide such a search function with ease. They should be made to do so. There are more and more commercial actors defrauding consumers for dollars and pennies at a time, by imposing unwanted recurring charges. Credit card companies should be compelled to take the consumer 's side in this fight, and give us a way to screen our online statements for recurring charges. See, e.g., the way the website XXXX operates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/2021 Cash Net USA XXXX XXXX XXXX XXXX XXXX, NH, XXXX Ref No : XXXX Dear Cash Net USA : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Missouri Attorney General. 

I have decided that I do not want to work with your collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease and desist letter. You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NV

Complaint narrative:
I submitted a dispute with Transunion on XX/XX/2021 regarding a XXXX account credit limit increase from {$1000.00} to {$1500.00}. The investigation claims to have been completed without fixing the inaccurate information. I contacted XXXX and no investigation was actually completed or verified. So I sent in documentation from the creditor with a letter showing the accurate information. Instead Transunion reported my account limit was decreased and has cause my score to go down 16 points. Its been injurious to me.

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 2021-06-19 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: GA

Complaint narrative:
XX/XX/2019 XXXX XXXX I have sent letters letting XXXX XXXX and Transunion about these unauthorized inquiries on my credit report. Also I have filed an affidavit.TransUnion sent me something back with saying verified as accurate with no proof at all.I am keep requesting that they send me something back saying who did this to my credit report so I can figure out this fraud. Credit plus doesn't send me anything as requested.

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 2021-06-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I started chapter XXXX bankruptcy. Everything but the mortgage was put into the bankruptcy. I have gotten XXXX to fix their issues with my report. But I still can't get Experian and XXXX XXXX to fix theirs. 
My mortgage is not included in the bankruptcy, it isn't closed, and I have never had a delinquent payment. They say I have a derogatory account. The account is XXXX XXXX XXXX XXXX These same to companies have started a new inaccurate account that was already in the bankruptcy. They also say this one is a derogatory status. The account is XXXX XXXX XXXX. 
I have disputed the mortgage information the whole time, and now I am disputing the information for XXXX XXXX XXXX. 
It's almost 2 years that I have been disputing this misinformation, and my credit rating is just as bad then as it is now. 
XXXX shows I have a credit rating of XXXX, whereas XXXX XXXX has my score at XXXX and Experian as XXXX. 
My credit was in good standing the day I filed the bankruptcy, and it even shows on XXXX XXXX report that I was in good standing. So how could I have both of these accounts in derogatory now when I started the bankruptcy, they were fine? 
I have contacted both XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  and both have said they are reporting to you the same as what they were when the bankruptcy started. 
I have sent this information numerous times about what is included in the bankruptcy and what it is good standing.

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 2021-06-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is about TransUnion & XXXX. I have been contacting them since XX/XX/2021 and have yet to hear a response about my disputes and about them violating my consumer protection laws under the United States code title 15 chapter 41. They are reporting that I owe debt to corporations which is inaccurate. I am the original creditor because only the natural person can extend credit to corporations. So corporations can not say I owe any debt. Being that I am the only one who can verify/validate any debt I DO NOT VALIDATE THE DEBT! XXXX removed the accounts because they know they violated my consumer protection laws under the United States code title 15 chapter 41. 
I demand that TransUnion remove the accounts that I have on my letter and I demand that they do not ignore me!!

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 2021-06-19 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: CA

Complaint narrative:
When I Register with MyEquifax online on Tuesday XXXX XXXX at XXXX. I noticed that FRAUDULENT ACCOUNTS that I have reported to the police months ago & I sent Equifax the police report which Equifax has added on file. Were previously Equifax DELETE OFF MY Credit Report due to Equifax investigating the accounts and finding them to be Fraudulent. The Accounts are Now Showing As CLOSED/CHARGER OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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:
PayPal closed my account for no reason and will not help me with getting it back up. The locked my account for 180 days and when they elapsed and ready to withdraw the funds as they notified me via email on XX/XX/2021. They then asked me further documentation which was followed by another 180 day hold of my funds. I don't believe holding my funds that long is justifiable by paypal yet I have done nothing wrong. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2019 XXXX XXXX  I have sent letters letting XXXX XXXX and XXXX  about these unauthorized inquiries on my credit report. Also I have filed an affidavit.XXXX sent me something back with saying verified as accurate with no proof at all.I am keep requesting that they send me something back saying who did this to my credit report so I can figure out this fraud. XXXX XXXX doesn't send me anything as requested.

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 2021-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
i have purchased a home mortgage loan in XX/XX/XXXX since then i have been recieving false mail and refiance a va loan..my house was sold to as brand new home but it was a brand new home..it was built in XXXX we went though XXXX XXXX and now i can not purchase anything since all this is affecting from moving forward i have been try to sell or do something to fix this problem. so many home insurance was taking out. my buisness has been stolen as well I opened a buisness in XXXX XXXX Texas XXXX XXXX it was turned into an LLC i have so many mortgages out with my social security and name. car loans medical insurance fruaud..ciams put in as car accidents

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 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: MN

Complaint narrative:
I got on forbearance in XXXX of 2020. The mortgage company failed to make any escrow payments while I was in forbearance. Mortgage company failed to send a detailed description of how my payments where distributed while in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
Received a notice from Sequium Asset Solutions , LLC of a debt owed to XXXX XXXX XXXX XXXX at least 2 years after leaving XXXX XXXX XXXX. Never received notice of any money owed to XXXX XXXX XXXX. Thought it was a scam until the collection showed up on credit report without sufficient information on Credit Report or from Debt Collection Agency to prove the debt as valid. Paid the agency to get the collection taken off my credit report since it negatively affected my score, but noticed from XXXX search that unknown XXXX XXXX XXXX XXXX changes have been found to be fraud. Please look into this matter and let me know if my identity has been compromised. I have been with XXXX and do not know what XXXX XXXX XXXX XXXX does. Either XXXX XXXX XXXX is incompetent in notifying previous customers of a past due amount, or someone has stolen my identity and has used this XXXX XXXX XXXX XXXX ( whatever it is ) with my SSN to get some charges for who knows what on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My account was accessed without my consent on XX/XX/XXXX, locking me out of my account. After submitting a report for my case my account should have been locked from all transactions, however the next day {$300.00} was withdrawn from my XXXX checking a account. After getting my money back from XXXX that day I continued to email Coinbase about my issue and I have yet to receive anything other than copied and pasted replies. I waited a month for a response from Coinbase resolving this problem and I have had no success. I then started asking around in the community to see that others are going months without any resolution, after that I started emailing them again and the situation circled around back to the company support team ignoring me. All I want is my account back in my possession with the correct amount of money in it, and to have the Authenticator, added by someone else, removed leaving me with an SMS authenticator.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I am a victim of Identity theft. I do not validate this account that this organization continuously seeking.

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