vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: AR

Complaint narrative:
I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, XXXX, OR EQUIFAX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & EQUIFAX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, EXPERAIN, OR XXXX  HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, EXPERIAN, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!

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 2020-06-08 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I recently became of victim of identity theft and had made contact with the three major consumer reporting agencies regarding this issue. For some reason accounts that have been blocked or deemed has fraud under the Fair Credit Reporting Act Section 605b are appearing on my credit report. The account is listed under a company by the name of Mid-South Adjustment Company has recently placed an Medical Account on credit report without sending any 5 day initial notice of obtaining the debt which is a Fair Debt Collection Practice Violation and in addition failed to adhere to the Health Insurance Portability Act. This debt was from the direct result of identity fraud and has been re-sold which breaks the chain of the command and constitutes yet another violation of the Fair Debt Collection Practice Act. This is a clear violation of my consumer rights and I will seek legal action if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CA

Complaint narrative:
I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..

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 2020-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United PanAm Financial Corp.
State: KS

Complaint narrative:
They had the police show up at my house while I was at work and it was at least 6 officers just trying to give me paperwork and was saying if I don't get the paperwork I could be taken to jail for the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchase a two {$500.00} US Bank Visa Cards on XX/XX/XXXX at XXXX in XXXX, TX. They did not activate. I have tried to call the number on back of the cards XXXX and customer service is unresponsive and it does not allow me to see the balance at XXXX.. Could you please have this activated ASAP. The phone number for customer service is XXXX. Both cards should have {$500.00} balance per the receipt.

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 monetary relief
Consumer complaint received 2020-06-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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 2020-06-08 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: FL

Complaint narrative:
This is my third complaint is about my XXXX XXXX XXXX Credit Card and Experian. I applied to XXXX XXXX on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I order my credit report on XX/XX/XXXX and i noticed they have removed 3 unauthorized inquiries on my XXXX but have yet to remove the other 3 unauthorized inquiries on Experian credit reports. 
Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We overpaid Select Portfolio Servicing , Inc. ( " SPS '' ) {$1900.00} when we paid off the SPS mortgage loan with a refinance in XX/XX/XXXX ; however, SPS will not pay us back the overpaid funds. 

Although SPS mailed us a check ( # XXXX ) for {$1900.00} on XX/XX/XXXX, SPS issued the check in the wrong name ( so we were unable to cash the check ). Specifically, this check was written in the name of my husband 's parents ( who are deceased ) rather than in the name of our husband and Estate Trust that holds the subject home ( which was subject to the prior SPS mortgage loan that we paid off ). 

On several occasions ( we made at least 6 phone calls ) between XX/XX/XXXX and XX/XX/XXXX, to complain to customer service and their supervisors that the refund check ( from he closing process ) was issued in the wrong name. On each phone call representatives/supervisors said a new check would be mailed within two weeks and some said 60 days. Yet as of today, XX/XX/XXXX, we have never received a new check. 

Supervisors that we spoke to on XX/XX/XXXX and XX/XX/XXXX, told us they could not speak with us because we are not authorized on the loan. They asked us to submit certain records, which we did, such as documents proving our ownership of the property, e.g., Estate Trust agreement, Deeds showing my husband inherited the property, and death certificates for each of my in-laws ( the original borrowers on the loan ). This documentation was provided by us to SPS via Fax on XX/XX/XXXX and by email on XX/XX/XXXX. 

Because over 6 months has past and SPS has not returned our money despite numerous calls and providing all required documentation, we are seeking assistance from the CFPB so we can be paid back the money SPS owes us. 

( Please note the subject loan was originally underwritten with XXXX XXXX, which was acquired by XXXX and then the loan was acquired by XXXX XXXX who then transferred the loan to SPS ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
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 ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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 2020-06-08 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: Credit Plus Inc
State: FL

Complaint narrative:
This is my second complaint is regarding Credit Plus and XXXX. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my XXXX credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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:
I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: FL

Complaint narrative:
This is my second complaint is regarding XXXX XXXX and Experian. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my Experian credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/2020. I notified XXXX, XXXX, and XXXX about an account in my name that had been fraudulently obtained. I filed an Identity Theft Affidavit with each Consumer Reporting Agency and the account holder at the time ( Collection Agency XXXX XXXX Account # XXXX ), The original account is XXXX XXXX account # XXXX. The account was removed from the XXXX, XXXX, and XXXX, and reappeared in XX/XX/2020 under Collection Agency Credence Resource Mana ( Account # XXXX ). Credence Resources Mana sent me a letter acknowledging that they Knew the account had been disputed with the original creditor, but Credence Resources willfully attempted to collect on the account by reporting it to XXXX, XXXX, and XXXX. This is a violation of 15 U.S. Code 1692e. False or misleading representations. " ( A ) the character, amount, or legal status of any debt. 

Furthermore, Credence Resource failed to inform the Consumer Reporting Agencies that the account was being disputed which is a violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. 

And, 15 U.S. Code 1681s2.Responsibilities of furnishers of information to consumer reporting agencies '' ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on XXXX XXXX XXXX it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so. 

I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I used XXXX to put money on an inmates books. Im already charged a XXXX  + dollar fee from XXXX and then I look at my Discover Credit Card Statement and they decided to charge me a XXXX dollar cash advance fee that I never aggreed to. The main purpose of the credit card is to be a credit card. Not charged like a debit card unless i want to get cash back from a store. Ive never heard of cash xfers through a credit card. The website said put in a credit card not a debit card. Ive always known Discover to be a credit card company and also remember a phone call I asked about cash advances and there was no fee if paid on time. I pulled XXXX out at XXXX and was never charged a cash advance fee. I also had to put in a pin number to get a cash advance and never put in a pin for XXXX. I would like my XXXX back. I will attach my statement pdf of the last 12 months you will see the XXXX cash advance from XXXX in XX/XX/19 with no cash advance fee. Then the XXXX of XXXX which was not authorized as a cash advance. It is a credit card purchase not a cash advance. I did not put in a pin or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had an account with paypal.My business was going on well until I got an email from them that I am in violation of their policies, which does not state why, and there is no way to contact them, yes, no way to contact them.It was meant to last 180 says which expired XX/XX/2019 .I have been unable to withdraw since then, for a year and 3 months.This happens a lot to customers. 
My account ID : XXXX XXXX

Company response to consumer: Closed with non-monetary relief