vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: OH

Complaint narrative:
On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.

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 2022-09-01 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: OH

Complaint narrative:
On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.

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 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! 
When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: MI

Complaint narrative:
Wrong account don't recognize

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 2022-09-01 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: GA

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Ran my credit XX/XX/XXXX and noticed there was a collection account for {$2000.00} sitting on my personal credit. It's taken me 6 hours of phone time to contact all the 3rd party collection company, XXXX XXXX as it seems the fraud was done through them, XXXX and now XXXX who is requiring this report as well. I've already had the collection company and XXXX on the phone and they concur this is not my valid charge. Account that was opened and closed within 1 month in XXXX. 

Respectfully, requested this be removed from my account as a practicing, licensed through XXXX and CA XXXX, I'm aware of the protocols and sincerely never had to personally go through this process, which is completed painful and shame we take this long for our consumers to resolve. It gets placed overnight but takes a ton of work and effort to attempt and successfully remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We were in the process of doing a short sale. Unfortunately, I am unable to locate my 2nd mortgage which is causing a delay for us to move forward with the short sale. I have contacted over 20 banks and they do not have a 2nd loan on my property but the title company is showing an open 2nd mortgage. I have been informed that there is going to be an auction on the property on XX/XX/22. I am an ill man with XXXX have gone through numerous surgeries and just trying to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
equifax did not give my correct score to the bank i was unable to get loan due to incorrect credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX I called EdFinancial asking for a loan refund due to the CAREs act on a federal student loan payment I made in late XXXX. They told me they would submit a ticket, but the refund would take about 5 months to process and it could potentially take even longer due to a surge of people requesting. It seems other federal loan servicers are quoting around 2-4 weeks for a refund to process and clear, so the timeline EdFinancial gave seems unreasonably lengthy. 

They also told me they could not provide any form of confirmation email or statement for the submission of my refund request, which is pretty concerning when dealing with a large amount of money that would take up to 6 months to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX  after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My problem is with CitiXXXX card. Their site has been down for a number of weeks which means I can not retrieve my monthly statements, my quarterly statements, or my annual statement. I spoke with them and they have no idea when it will be back up. I requested a paper copy of my annual statement for XXXX. It has now been two weeks and I have not received it. I need this information to file my taxes. No one there seems to be the least bit concerned about customers not being able to access their information. Arent they required to have this information available to customers?

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 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Acct : XXXXXXXX XXXX XXXX XXXX XXXX Billed for service not rendered XXXX XXXX XXXX. Original bill show service fee XXXX XXXX XXXX. Disputed claim as false attestation of service rendered claiming fee for service by XXXX XXXX XXXX. 

3rd bill came out and was changed to another party being a XXXX XXXX and XXXX XXXX billed me the same rate for XXXX XXXX. 

Therefore I am filing a dispute for false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
The company started calling me about the debt back in XXXX XXXX XXXX. I asked them to mail a bill to me so I could pay it as opposed to paying over the phone. They claimed they did, but I never received it. I asked them to update my address because they had the wrong one. They said they would mail another one to the updated address. I still didn't receive a letter. Next time they called, I verified the address I wanted them to send it to. Turns out they had sent the letter to the original address again, not the updated one. So I reverified the address that I actually needed the bill sent to. I finally received it in XXXXXXXX XXXX XXXX  By this point, I've accumulated more interest debt. I believe their lack of follow through to send a letter to the correct address on time is the reason my debt is more than it should be. I will happily pay the ORIGINAL amount owed, but the collection company failing to update my address even when I specifically called to update it is responsible for the delay and interest accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had Bank of America contact me saying someone was trying to deposit a check from me into their account for {$32000.00}. The person trying to deposit the fake check was a XXXX XXXX, told to be by Bank of America fraud protection. They called me and I confirmed that I don't have an account with a XXXX XXXX XXXX and told them that it was a fraudulent check. I called XXXX XXXX XXXX and they asked for the account number on the fraudulent check, so that they can further investigate. Bank of America told me that they couldn't provide me with that information. I asked for a copy of the check and they also refused to provide that to me. Seems to me that someone has opened a fake account under my name and are now writing checks under my name. I just want a copy of the fake check, so I can put a stop to this before my credit is destroyed. Seems like they are trying to protect the criminal. 

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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: IL

Complaint narrative:
I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent experian : XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Record XXXX XXXX dollars was denied you have not explained nothing wells Fargo stole money from the bank and put XXXX in to my account to deposit a federal tax child income credit send me the letter stating this is legal. attached with my back statement you have not resolved this issue you were to only deposit the child tax credit not put free money into my account according to wells Fargo representative the called me regarding the case he said you complain about free money I said wells Fargo stole someone money and put it in my account the representative didn't seem to concerning about the issue .for claim XXXX XXXX for XXXX from woodspring motel again wells Fargo has not resolved this issue this transaction was not disputed wells Fargo has not pursued the issue or has not secured my account the have allowed an illegal transaction on my card to go threw and also steal my money out of my account woodspring doesn't not have compelling evidence I have said serval times to show me were XXXX XXXX check in and stayed at the motel check in at XXXX XXXX  at check out at XXXX on XX/XX/XXXX provide me with a video of me checking in and checking out. Also I need a confirmation and video of me checking in and signing the check in receipt. And I have said numerous times I didn't not stay at this motel nor is this my signature signing in at check in time of XXXX XXXX  on XX/XX/XXXX this is fraudulent and I have told wells Fargo about this wells Fargo has refused to investigate this issue properly. This case will not be closed until I see the results of what I have asked until you show the evidence that I have stayed at the motel and I check in with my signature.

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 2022-09-01 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: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma, a company I am a subscriber, represented with my current score of XXXX I could obtain a XXXX Credit Card to consolidate my debt and obtain reduced payments with its issuance. Credit Karma never disclosed that XXXX Card would be using a Hard Review of my account, nor did XXXX Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining Credit Karma {$3.00} XXXX Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the XXXX Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a federally protected consumer and I am concerned that Resurgent Recievables may be in violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Resurgent Receivables and its affiliates solicitations and never gave Resurgent Receivables or any of its affiliates direct to solicit anything to consumer reports. Due to Resurgent Recievables and its affiliates negligent behavior I have been substantially injured and intend to file suit should my demands not be met.

Company response to consumer: Closed with explanation