vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc, located at : CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX De La XXXX # XXXX, XXXX XXXX, CA XXXX MCM ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from XXXX Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the Midland Credit Management Inc requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and Midland Credit Management : USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called Midland Credit Management Inc, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " Company '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX has assigned a collection to my name for a rental property that I have not leased from in over ten years. In addition to the previous fact, the {$1500.00} collection is assigned to someone under my name but with the wrong date of birth. Due to the error in reporting I have been denied housing multiple times and have wasted so much time and money due to application fees, storage, lodging. I have disputed the error and contacted the companies ( leasing office ) and have verified the debt does not belong to me however they are still reporting this debt and I am unable to obtain housing because of it. The debt is being reported on Rent Bureau through Experian. Ive disputed these charges informed them that the information is not mine, the birth date or social security does not match the my profile. Despite these efforts no one will remove this and Im being forced to go through extensive hardships to obtain decent housing.

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 2022-04-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XXXX, Shellpoint Mortgage Servicing ( newrez ) was responsible for servicing my mortgage and associated escrow account. As part of my escrow, they were responsible for paying my property taxes, but failed to pay my taxes by the due date of XX/XX/XXXX. As a result of the late payment, I was charged a {$200.00} penalty as well as {$90.00} in interest. 
I became aware of the late payment and charges when I received a statement from the county in XX/XX/XXXX. I called and spoke with the county tax office and they confirmed that both the penalty and interest were the result of non-payment by Shellpoint. I subsequently called Shellpoint on XX/XX/XXXX, specifically mentioned the penalty and interest, and was told that these would be covered by Shellpoint since it was their error. I also sent in a copy of the county tax statement through their website at the request of the representative on the same day. Shellpoint finally paid the property tax on XX/XX/XXXX. They also payed the {$200.00} penalty, but failed to pay the {$90.00} interest. I again called on XX/XX/XXXX and was asked to submit the county statement and a description of the circumstances via email, which I did on the same day. On XX/XX/XXXX, I received a response later stating that they paid the property tax and tax penalty, but make no mention of the interest, which was the sole subject of my recent call and written inquiry. 
Having performed due diligence and given the company several opportunities to remedy the situation without appropriate response, I am hoping the CFPB can help settle this manner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: MN

Complaint narrative:
I was sent a notice for an escrow shortage from Supreme lending ~ {$650.00}. I paid it. They increased my payment ( as though I didn't pay them the shortage ) and pocketed the money I paid leading to an escrow surplus. 

I have contacted them twice and was told they would run an escrow analysis but they haven't. They're still charging my monthly payments as though I haven't paid the shortage. I want the lower payments I'm entitled to and the excess I paid in inflated monthly payments, refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I checked my credit report a found a fraudulent collection account named : ACIMA XXXX FKA SIMPLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had just gotten my taxes when my phone and chime account was hacked I got no access to my email phone or chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Innovate Managed Holdings, LLC
State: TN

Complaint narrative:
After filing a complaint and getting the updated information about this account. I sent in the information to both XXXX XXXX XXXX on two separate occasions with the updated balance but this company is still validating false information. I have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data. At this time I was like this account to be deleted from my social immediately, since it goes against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I sent a request to XXXX and Experian to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx 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 2022-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove all prior work/jobs on my report and old addresses, I am no longer living. Please only use my current and up to date adress.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-16 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: GA

Complaint narrative:
I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have two loans with Sallie Mae. On Tuesday, XX/XX/XXXX I called them to say that I didn't have the payment ready yet. I asked if I could be taken off their automated calling list and they said they would do that. The next day I get an automated call, and I explain to them that I said on Tuesday that I wished to be placed on the do not call list. They made a note of it and said they would take me off the list. The calls kept coming however, up to today, Saturday the XXXX. They have repeatedly lied to me, by now saying that I should just block their number, or change my phone number on their website. They also said since I live in California, I need to send them a cease and desist, which was never mentioned in the first call. I have never been harassed like I have been dealing with Sallie Mae. I can not afford a lawyer, and my co-signer is my brother in law who does not have the funds either, and in total it has totally our relationship. I don't know what to do other than going into litigation, or straight up calling the police. I told them I don't have the money yet, but I can pay back eventually, but they don't understand, or even care. I'm on the verge of going insane. And I don't know what to do anymore. 

Thank you for listening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
On XX/XX/XXXX at XXXX, a charge hit my account from XXXX XXXX  for a total of XXXX using my virtual card which Ive never even personally used myself. 

Immediately after noticing this, I filed a dispute with the bank company I use called Current. They asked for the information of the transaction and the reasoning and said it could take up to 90 days to come to a decision. Which would have been XX/XX/XXXX. 

I waited PAST the 90 days and reached out again on XX/XX/XXXX to get an update as I was pretty frustrated that I didnt receive any updates on it and my app was saying that I had an open dispute for months. I got this response from the customer support chat agency, Thanks for waiting. I looked into this for you and confirmed that the investigation on your dispute claim has been completed. The facts of the investigation concluded that there was no error found and therefore, no credit will be issued to you. 

I informed them that I didnt authorize the transaction and that was the problem and they stated for me to contact the merchant which I did decide to do on XX/XX/XXXX. 

The merchant sent this response Hello XXXX, Thank you for contacting XXXX. 
During the month of XXXX, we had an influx of emails from different people in the united states who had the exact same charge as you. These charges only affected people who own virtual cards. I regret to inform you, while these fraudulent charges have our name, they were not made by us. 
In this case I would recommend continuing the process with your bank to have these charges removed. 
Kind Regards, XXXX XXXX Client Services After contacting my bank AGAIN on XX/XX/XXXX, basically restarting the dispute because they closed it and they told me that the ex needed email communication/confirmation from the merchant so I forwarded my email from the merchant that stated they had that issue in XXXX. The bank support agent stated that they cant use that because I provided it in my previous dispute which was denied. 

Ive tried calling my bank and they do not have a customer support phone number, just the support chat via the app. I even asked the chat agent for a number and the number they gave me was a fake number that doesnt even call out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove any address I am not currently living at and any jobs I am not working at.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX contacted Truist &. XXXX to inquire about payment that was taken out with no notification Latency in Truist mobile banking app and online Called to have overdraft fee waived due to the Truists non notification of payment already withdrawn Was told nobody could do nothing

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My XXXX  XXXX credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My XXXX  XXXX credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXredit Cards XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The account was suddenly closed for no reason and about {$5000.00} in rewards were stolen from me by citibank. The account was restored but not the rewards.

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