vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE

Complaint narrative:
I contacted ARS consumer reporting agency to freeze my consumer report. I was told I needed to send my state issued ID and a utility bill to prove my identity. Im already a victim of identity theft. I explained I wanted to freeze my report. To no avail was I able to do it over the phone or online without sending other detailed info about myself. I asked to speak with a supervisor or manager and more than once I was told that without sending that info I wouldnt be able to speak with anyone. After giving my social security number date of birth and address and still couldnt get a security freeze placed on my consumer report.

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 2022-08-09 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: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I discovered a collection account on my credit report from Debt Recover Solutions for a XXXXXXXX XXXX loan in the amount of {$1300.00}. 
Ito Debt Recover Solutions for all information related ot his debt which i dispute have received no response. 

By way of background we filed a complaint agains XXXX XXXX ( a tribe payday lender ) for for unfair lending practices with the United States Consumer Finance Protection Board ) back in XXXX after paying back a payday loan in full with interest and receiving another demand by XXXX for another 100 % payment. After receiving the complaint notice from the CFPB XXXX reached out to me and indicated they would be dropping the the additional Interest request and they would consider the matter dropped and account paid in full if we would mark the complaint at the CFPB as satsified -which we did. 

Thus is was surprising to receive the collection notice in defiance of our agreement five years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: OH

Complaint narrative:
I dont owe keybank no money ive been calling them and they sent me to consumer reports i cant even open a checking account. I had gave access to sumbody thats why my account got closed but i never owed a {$1.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I tried to purchase tickets from a seller on XXXX. He provided his phone number and email address for the ticket purchase. Once I sent the payment he deactivated his XXXX account and his phone number provided ( it was a XXXX XXXX XXXX ). The name he provided for me was XXXX XXXX but once I sent the money via Zelle it stated his name was actually XXXX XXXX. I never received the tickets promised. I did contact my bank to try to stop the payment but all they did was file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
Someone in XXXX XXXXXXXX XXXX  tried to open a chime account in my name using my SS #. They had at least the last four digits of my social security number and my email. They had my full name also. I closed the account bc I received an email that the debit card was on its way. Below is the address they had the card shipped to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
in accordance with the fair credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 

These Addresses do not belong on my credit report

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 2022-08-09 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: VA

Complaint narrative:
My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian issue with a closed XXXX XXXX  account. I had a long time ( over XXXX yrs ) XXXX XXXX bank Master card account with EXCELLENT Payment history that I closed in XXXX. My limit was over {$26000.00} and I paid off over {$25000.00} ( NEVER LATE ). 

Well someone at Experian with bad intentions, DELETES this account from my file on XX/XX/XXXX, then drops my score XXXX points because there is no longer credit history. 

The XX/XX/XXXX credit report shows my score as XXXX. 
The XX/XX/XXXX credit report shows my score as XXXX. 

And no reason was really given as to specifically why. I had to research & discover the closed acct was deleted. Was it really bothering Experian to just leave that Master card acct on my file because it shows a potential lender excellent payment history?? 

What do you think?? 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are my rebuttal " comments '' from an initial report where I funds were continually and automatically withdrawn from my bank, when I knowingly called and canceled. I must file a new complaint ; they said they paid me : I was informed Experian would give me a goodwill {$99.00} settlement even though *their records* showed no wrongdoing on their part. This payment to me as an olive branch to keep peace with their company. In fact they need an overhaul their business for consumer satisfaction, for transparency and for transactions. One clear example is they put nothing in a communication exchange like other companies via email. They only want you to call in. 

Therefore, conveniently it is their word against mine. 

Additionally when I did find a customer service email, I listed a brief concern I did not receive the {$99.00} and followed up my concern with a voice action with a customer service agent. After 25 minutes of explaining the lengthy concern again, the agent wanted " me '' to reiterate all of it to the escalation team with second complaint to this company about service. 

These business practices are unacceptable to me. 

To add one final clarification my bank *never* received this denomination of {$99.00} to my account. Where are their receipts this deposit occurred? I do not have it. 

I have spent an enormous amount of time to resolve this complaint ; whereby I believe my retribution needs to be more like {$290.00} for the original complaint! It should now even be doubled as a result of chasing them down for their *supposed* {$99.00}. Why Experian could not send the " Goodwill Funds '' to my home address is beyond my comprehension! They currently do not have my banking information, nor do I want them to have it. To me, the best service they can provide me is to send an apology to the home address and whatever they *deem* as " Goodwill '' monitarily!

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 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
Experian allowed XXXX XXXX XXXX XXXX to pull my credit on XXXX without permissible permission. See attached letter reflecting XXXX. XXXX attached forged & fraudulent permission dated XXXX XXXX will label this complaint as duplicate and reporting accurately. Experian will not research correctly and allow their client to steal information.

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 2022-08-09 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: PA

Complaint narrative:
Experian placed these inquiries on my report, I have no knowledge of them. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ALASKA HOUSING FINANCE CORPORATION
State: AK

Complaint narrative:
I applied for Homeowners loan financial relief through the Alaska XXXX XXXX XXXX, Application # XXXX, I applied XX/XX/XXXX, Submit the XXXX, with application received XX/XX/XXXX. Deadline was XX/XX/XXXX. XXXX. We went through every step required and were denied due to our homeowner 's loan being through our Business account with Alaska XXXX XXXX XXXX. The business closed in XXXX of XXXX. The Bank gave us a business loan in XXXX to buy our home since we couldn't qualify for a conventional loan. It wasn't an equity loan for the business because the business was already closed. We gave them all the loan paperwork, plus the second we took out on our home to pay off the business line of credit we owed on. This process took Alaska Housing 3 months to process on their part. Finally, XX/XX/XXXX they denied my appeal because XXXX ) Both documents are documented business loans, but the business closed in XXXX and the loan for the house was in XXXX. XXXX ) Both loans had a loan date of XXXX and XX/XX/XXXX of XXXX. The reason was the loan had been extended year to year and they were due again. The Bank wrote a new loan for 15 years to help us out, so we weren't having to renew every year. The loan numbers never changed and were just renewed to prevent foreclosure. I provided Alaska Housing the contact info for our loan officer to verify the information I provided them, but they were never contacted. I have been unemployed since XXXX and XXXX limited to a XXXX. I have been turned down on all my interviews to date. When I researched the XXXX program it states any mortgage, or deed of trust, through any business identify holding the deed of trust. There is no language that states it can't be through a business loan for my personal home. My wife and I won't be able to make XX/XX/XXXX payments on the XXXX and XXXX. We are also our being foreclosed on for our property taxes that exceed XXXX Dollars. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  LLC # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I applied for the Venmo Visa credit card early XX/XX/XXXX, a {$200.00} bonus credit promotion was included with my application that applied after spending {$1000.00} first three months of account opening. I spent over {$1000.00} more than three months ago and the {$200.00} bonus credit has still not been applied. I originally contacted Venmo  XX/XX/XXXX about this issue and the response I received on XX/XX/XXXX was general/ambiguous but stated an investigation into why I haven't received the credit is taking place. To date, I have not received additional information/response from Venmo. Venmo also doesn't make it easy to find and download correspondence with the company. This is not just about a {$200.00} bonus credit. This is about being able to trust the company I'm doing business with. 

I've also filed a dispute through the XXXX XXXX XXXX on XX/XX/XXXX. The chronology is below : Consumer 's Desired Resolution : Refund ; Billing adjustment XXXX Processing XXXX web XXXX Case Received by XXXX XXXX web XXXX Case Reviewed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 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: NY

Complaint narrative:
I am currently disputing an account with Equifax and in light of the recent news about Equifax I decided to call them and see why my dispute was still reporting on my consumer credit report when I filed Identity theft because the account does not belong to me and Equifax is still colluding with XXXX XXXX by leaving the account on my report without providing proof that the account is mines. In have requested the description of procedures of reinvestigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ) I have been granted nothing in return for my request. This is willful non-compliance pursuant to15 USC 1681n. I have numerous violations against Equifax at this point. I called Equifax today and I was told that I had to send them a picture from my phone to verify my identity. That's another violation, where does it say in the law that I have to take a picture on my phone to verify my identity? I was not asked any information like my name or social security number. When I did not take the picture the agent stopped talking and remained silent. That's called willful non-compliance. Coercion tactic, which is another violation. 
I ahve attached proof of Equifax trying to get me to consent to a picture id verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XX/XX/XXXX i contacted my mortgage company XXXX ( PHH/Ocwen ) XXXX to remove my escrow account from my loan. They sent me the form requesting the removal i completed it & faxed it to them XX/XX/XXXX they stated it would take 10 business days to complete request.. Upon speaking to multiple reps & a supervisor ( XXXX # XXXX in the Escalation Dept ) I was informed they declined the request because my property taxes are due in 30 days.. My property taxes are usually due XXXX & XXXX of every year.. not only is XXXX more than 60 days out but I CALLED the XXXX XXXX TREASURERS OFFICE ( XXXX ) XXXX gave my pin number and the rep stated ALL XXXX XXXX TAX BILLS ARE DELAYED AND WONT BE GOING OUT UNTIL APPROXIMATELY XX/XX/XXXX after not getting anythg resolved with supervisor i emailed their Ombudsman Dept ( XXXX ) with complaint about the issue.. i need them to remove my escrow MY BILL IS NOT DUE WITHIN 30 DAYS, I AM WAY LESS THAN 80 % XXXX on home.. i want my escrow funds including any cushion amount being held to be refunded to me.

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 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
My identify was used to open a utility account that does not belong to me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief