vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Yesterday XX/XX/2020- XXXX from Midland Credit Management , Inc. called my work number, I was on another call at the time and did not pick up. He proceeded to call my the hotline number for my department and told my coworker where he was calling from. I let him know immediately that this was not appropriate and that I was on the clock, and they should not be using any of my work numbers to contact me. He told me to give him a minute to discuss options. He kept me on the phone for 30 minutes and when I let him know he disrupted my workday and I needed to go insisted I stayed on longer. I finally got off the phone by saying I would call tomorrow on my first break. 

Today XX/XX/2020- I was unable to call on my first break because we were so busy. I planned to call on my lunch. At XXXX XXXX he proceeded to call my department hotline again and told my coworker who he was and where he was calling from, after I expressly asked him the day before not to. He again tried to insist I speak to him. At this point, I was very upset after him getting me in trouble at work the day prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i moved to a new location from my driver license and transunion ask me to update my address to match my id so i did on XX/XX/2020 and have letters to proved it .Now they are stalling with my Dispute asking for the same thing this month knowing that they already Have it and don't wont to focus on the dispute at hand.

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 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
I feel my consumer rights are being abused with high interest rates and the creditor not furnishing the original bill so that I can see what I'm being billed for an what the original bill/contract stated the maximum interest I can be charged. 

In 2008 I went to XXXX Hospital, which third party billed to XXXX XXXX XXXX, then to an attorney that I feel has bought the medical bill and charged me {$4600.00} on an {$750.00} bill. The attorney has informed us they are representing XXXX XXXX but I feel they have bought this bill and charged me not only a lot of interest but filing fees and attorney fees on top of the original bill. 

My checking and Savings have been garnished and frozen in regards to this.I have called XXXX hospital, XXXX XXXX, the attorney and I've gone to the court house ( per the attorneys direction ) to get the original bill/contract that I signed to see why I'm being charged so much in interest and how do they know what to charge if they don't have the original bill or contract? Nobody has the original contract so I feel it is my right as a consumer to see this original bill or contract. How does this attorney know how much to charge me if they don't have the original bill or contract? 

I hope that by reporting this to the CFPB, you can help me obtain this original bill or contract to see if I am being billed within my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my Equifax credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The confirmation number for the report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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've reached out to Experian in XX/XX/XXXX to inform them about various inaccurate information reporting to my credit file. As a result I've been mistreated and passed around from office to office. Every time I call Experian I'm put on lengthly holds and talk to very rudely with nothing getting done in terms of correcting the inaccurate information listed in my credit report. I've been lied to and mistreated by various reps XXXX XXXX and XXXX XXXX from Experian have all talked to me rudely and disrespected and used slanderish and XXXX terms without providing me service on my file. At this point I feel very uncomfortable speaking to Experian. 

I'm at the end of the rope with Experian. I have all calls and experiances documented and my next step will be hiring and attorney and suing them in Federal Court. 

With that said I still have inaccurate information reporting on my file that needs rot be finally addressed as a result of ID THEFT. Here is a list of the inaccurate things : Accounts : 1. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 2. XXXX XXXX Acct # XXXX ( Fraud ) 3. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 4. XXXX XXXX Acct # XXXX ( Fraud ) Public Record : 1. Chapter XXXX bankruptcy petition # XXXX Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXXXX/XX/XXXX12. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Also Enclosed my FTC FRAUD AFFIDAVIT

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 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: AP

Complaint narrative:
I get calls all throughout the night and early morning my time ( XXXX ) for a card I have with PayPal credit. They wake me and my family up regularly. I try to answer to tell them I am XXXX  XXXX  but the calls disconnect as soon as I answer. When I call back I can not get through the automated phone system to a live person. Also, the payment they are calling about I have a scheduled payment to be done on my next payday. I've attached a screenshot with all of their most recent calls to my phone with a time stamp.

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 2020-02-05 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX  The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -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 2020-02-05 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 {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX , Inc ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-02-05 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
On XX/XX/2020 I spoke with XXXX  and they advised they have no reference of the alleged account that Enhanced Recovery is reporting. I have attempted to contact the creditor and the number is none working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Beginning the end of XX/XX/2019 I have been checking with the company to find out the status of my receiving as primary beneficiary approximately {$72000.00} from my deceased spouse 's CD account. There have been many different reasons provided always by a third party as to why it is being delayed. Thus far no one has ever contacted me except a CSR with an invalid comment 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX I noticed our escrow account was almost twice the balance required. I called the company and requested a refund of the excess and was told it would happen automatically that month. When I received no refund in XXXX, I called again on XX/XX/XXXX and was told they would request an escrow review and the refund would be sent within 10 days. By XXXX, still no refund had been received. I called the company again and was told someone from that department would be in contact with me. I never heard from anyone. I called yet again in XXXX and spoke with a gal named XXXX, who said her agent number was XXXX. She said she could see the refund had been approved and that it was being mailed on XX/XX/XXXX. It is has been 9 days since XX/XX/XXXX and still we have not received a refund. I called the company again today ( XX/XX/XXXX ) and was told the check was mailed today. I do not believe them. Can you please help us or let us know how we can take some action against this company to get our funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal froze my account after charging me fees for fraudulent transactions and accusing me committing fraud. But they won't allow me to protect my data or close my account. Because my PayPal account is linked to many bank accounts, a credit card, and all my personal details, I demand that they delete all unnecessary accounts and addresses and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This company claims the credit scoring system " predicts '' my creditworthiness. 
All their predictions have been false. 

The balance on the account was {$0.00} for the life of the account. 

The reasons they cited are : >Lack of real eastate secured loan information >Too many revolving accounts with high balance compared to credit limit >To few accounts paid as agreed >Delinquent or derogatory status on auto accounts is too recent Points # 2 and # 3 contradict each other. This is insanity! 

Credit score used is not accurate.

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence Resource Management reported a debt that does not belong to me without sending proper disclosures giving me the right to dispute the alleged debt. I want the debt removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.

Company response to consumer: Closed with explanation