vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

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 this company and I Right now I am getting an alert on my credit karma 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 long 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 DEBT PARKING. 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 , 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 2022-03-11 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:
Experian has been called several times and has not completed any investigations. Experian Representatives have stated investigations are complete. Even when stating I have had identity theft and have proven so, by completing a police report and having data from XXXX stating I was included in password leaks and have settled out of court for the damage. Experian has held to neglecting to remove the information from my profile. I have recorded my last conversation to prove the negligence of Experian and now wish to move forward with a full federal law suite , with this being my second step in a Default notice which will also be presented to Experian if this last attempt is not met with Due CARE, By mail. The audio file is with Specialist of the Fraud Department XXXX who would not give any other information or a report number. I am re-attaching the information provided in the last report. numerous data details which are not accurate remain on this profile, and Experian should be held responsible for continuing to maintain inaccurate data after not acknowledging the Affidavits being provided and stating they have not received them. when I am being provided the received receipts. This has been a year battle with EXPERIAN. Every minute spent calling and every effort communicating with Experian will not go without penalty. As a Service Provider and Company Experian should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to EXPERIAN to provide Due care.

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage has changed hands multiple times and is currently serviced by NewRez. I have always had my mortgage payments on auto-pay and no issues with payments being on time. My XXXX score on XX/XX/XXXX, was XXXX. 
I started making inquiries in XXXX, XXXX, regarding refinancing my mortgage loan. I had reached out to XXXX and started the refinancing process. 
In XXXX, XXXX, without my knowledge or consent, NewRez took my account off auto-pay and put me on a forbearance program. I was made aware of this in XX/XX/XXXX, when they sent me a letter regarding their approval of my forbearance program. 
I called them immediately, and let them know I had not requested a forbearance program, to put my account back on auto-pay. I paid them both XX/XX/XXXX and XX/XX/XXXX 's payments. 
I was assured that I would not be penalized, nor would it impact my credit rating. 
On XX/XX/XXXX, I received an alert that my credit score had been impacted and had dropped XXXX points from a XXXX to a XXXX. I reviewed the reason behind my score decrease to discover that NewRez, despite their assurances that it was their mistake, and my credit rating would not be impacted, had reported my XX/XX/XXXX payment as 30 days overdue almost 1 year later. I have tried to resolve this with NewRez and have yet to receive a response from a live person who can resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: UT

Complaint narrative:
Been trying to close my Crypto.com account for awhile now and they just keep dodging it and acting like I reached out to them for a different reason or they claim they have a security problem they havent fixed for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I learned that there was a new collection account on all three of my credit reports from Convergent Outsourcing with an open date of XX/XX/XXXX, amount of {$910.00}. The original creditor was XXXX XXXX. This can not be mine as XXXX XXXX does not service my local area in Illinois. I have never received any type of communication from either XXXX XXXX nor Convergent before this was added to my credit report, which violates Federal Laws, and still have not received any communication from them to this date. 

Also, I have had other collection agencies try to collect a very similar debt in the past which has always been deleted from my credit reports. If this is the same debt, Convergent has violated the Fair Debt Collection ( FDCPA ) and FRCA laws as this is Debt Parking. 

Because of this, I was unable to obtain a mortgage in XXXX of XXXX, that I put an offer on. I am very upset about this.

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 2022-03-11 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: AL

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DPT EDXXXX XXXX Balance {$740.00} DPT ED/XXXX XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX NORTH XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.to this day over 30 days later I have not received a response yet I feel like im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.to this day over 30 days later I have not received a response yet I feel like im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: TX

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 this company and I Right now I am getting an alert on my credit karma 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 long 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 DEBT PARKING. 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 , 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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am having checking accounts opening in my name that I have not opened. Someone is opening different accounts utilizing my personal information. Ive had a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and Citizens bank. I keep calling and closing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While checking my credit report, I notice an account from Wells Fargo Bank, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Wells Fargo Bank is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes Benz lease was a corporate lease that ended in XXXX. 

A late payment was reported due to no fault of my own since they lease was paid by the company and not by me personally. This late payment is XXXX XXXX XXXX and dates back to XX/XX/XXXX. It must be removed since it is impacting my credit score. 

The lease balance outstanding was not charged to the lessor, the company that initiated the lease but was charged to me when the vehicle was a XXXX XXXX all electric vehicle with a lot of engineering issues and had to be flatbed to the nearest dealership each time. The break down incidents happen frequently and averaged 6 times per month. Thus, the vehicle was discontinued in XXXX and when the lease was returned in XXXX, the vehicle was scraped since it was discontinued and not sold due to frequent mechanical failures. 

I should not be charged the lease balance resulting in excess milages due to mechanical malfunctions since I was not the lessee. Please remove such balance fron my credit report. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.

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 2022-03-11 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: AL

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DEPT OF EDUCATIONXXXX XXXX Balance {$530.00} DEPT OF EDUCATIONXXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/ 2021 XXXX XXXXXXXX Inquired on XXXX XXXX, 2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 TXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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