vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false 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 2021-10-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false 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 non-monetary relief
Consumer complaint received 2021-10-04 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: I.C. System, Inc.
State: AL

Complaint narrative:
After reviewing my credit report there were several things incorrect on my report. please have these items removed as soon as possible after careful review. I have reported this to the credit bureau for removal. This is keeping me from obtains housing and a job.

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 2021-10-04 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
After reviewing my credit report there were several things incorrect on my report. please have these items removed as soon as possible after careful review. I have reported this to the credit bureau for removal. This is keeping me from obtains housing and a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: DC

Complaint narrative:
US Bank Relicard services does not have a way to report that the card I received is from a fraudulent unemployment claim. The phone tree kept trying to get me to activate the card even when I called and selected the fraudulent claim department. When I was finally able to get to what seemed to be the place to report a fraudulent card, it put me in a wait to talk to a human -- - The wait was hours long just to report fraud! Meanwhile, someone could be out spending money unauthorized! 
I called on XX/XX/2021 and spent a half hour just to get through the waiting tree and called three different times on both of the numbers provided by the DC Department of Employment Services.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2021 I telephoned Discover Card regarding online purchase after I did not receive confirmation number of delivery of item from Company on email. Discover card said they could not stop because of pending and I would have to wait until charge was posted to file dispute. I went thru dispute process sending them all the information I had regarding online purchase to no resolve. Discover keep sending me from Representative to representative and refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NY

Complaint narrative:
I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institutions that had violated my rights, therefore I am summitting this complaint right now to Equifax , INC . 
I am submitting this complaint because Equifax, INC is in violation for furnishing 9 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 9 times for violating 15 U.S. Code 1681n ( b ) 9 times.

I gather all my proof and mailed Equifax, INC a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave Equifax, INC the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communications whatsoever so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
An account was at Wells Fargo & Co was fraudulently opened in my name, XXXX XXXX Checking Account # XXXX I called the number for personal checking account fraud XXXX and waited over an hour and spoke to 2 different customer service representatives that passed me on to wait more. I am still trying to contact Customer Advocacy XXXX with no success. 

I have a fraud alert at XXXX, XXXX XXXX and XXXX. I believe Wells Fargo is required to contact me before opening an 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 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I have a mortgage with CMG Mortgage. I requested forbearance in XX/XX/XXXX due to COVID. I requested to come out of forbearance in XXXX of XXXX. CMG took until XX/XX/XXXX ( 7 months ) to finally give me a loan modification trial payment plan instead of the 30 days I was told. I started making the trial payments in XX/XX/XXXX for XXXX trial payments for XXXX - XX/XX/XXXX. I made the trial payments and continue to make them. After the 3 trial payments, I was supposed to receive a loan modification within 14 business days of XX/XX/XXXX so XX/XX/XXXX. I finally received the loan modification paperwork at the end of XXXX, sign and mailed it, and CMG received it XX/XX/XXXX. It has been over 30 days and still the loan has not processed and it is still showing delinquent. It is affecting my credit score, my ability to refinance another property, and many other financial impacts. They have held me hostage for over a year financially. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: DISCOVER BANK
State: IL

Complaint narrative:
1- I tried to dispute a charge with Discover Card today XX/XX/2021. 
After I went through all its question pages, provided all the information it asked, wrote and explained things, composed sentences within the limited number of characters allowed, uploaded images, all that, reaching the submit page. There I read this message : you can not submit this online, call 1-800 .... I have experienced the same thing a few years back. It is not clear why Discover uses this deception to waste customers ' time? Why, for example, I am asked me to upload files if the case requires me to call? When I called Discover, waited on the phone and talked to someone, I learned that none of the information I provided online was stored. A complete deliberate waste of customers ' time. **** 2- I tried to find an email address and contact discover by email. There is none and the company does not provide an email. **** 3- I tried to send Discover a message from my Discover account. There is an inbox but no outbox!! I tried to compose a message but only messages related to some obscure subjects ( such as naturalization / change of name ) is possible. No possibility of contacting Discover for any real issues. **** 4- Discover has a chat line that pops up. I tried it. It is an AI garbage. Discover does not want to hire American workers to serve its customers and relies on largely useless AI gimmicks. **** All in all, terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. Midland Credit Management is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed.. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts published from Midland Credit without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
I took out this loan a couple weeks ago with every intention of paying them. I was recently in an automobile accident and my car was totaled causing me to have to get another vehicle. Well my insurance left me with a large balance to payoff my wrecked vehicle so I spoke with a bankruptcy attorney and decided to file a chapter XXXX I was advised to send a letter revoking ACH on my loans that I have since I will be required by the court to file all debts. I contacted bridge lending solutions and they are saying they are going to take my first payment even with me filing the bankruptcy and revoking the ACH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written to Equifax three times. In reference to items on my credit report. They have not responded or investigated my issues with the information they are reporting. 
First letter mailed XX/XX/2021 Second Letter mailed XX/XX/2021 Third Letter mailed XX/XX/2021 I have attached every letter sent to them with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: SC

Complaint narrative:
I have sent Experian a letter to reinvestigate accounts on my report that are being reported as open after they have indeed been closed. XX/XX/2021 I got a response saying the investigation was complete but the accounts are still on my report and being reported as open. I have contacted the collection agencies and they have verified that the accounts are indeed closed and it is up to Experian to report them accurately.

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 2021-10-04 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:
I am filing a complaint against Experian. I have attempted multiple times to dispute 14 late payments that appear on my credit report by XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I submitted dispute letters to Experian with copies of my XXXX and XXXX credit reports, showing the inaccuracies they were reporting. The other 2 bureaus showed exceptional payment history with no late payments for all of the XXXX accounts. 

Experian responded that they information they were reporting was correct. I then responded and asked them to provide the method in which they verified the information, they never responded. I spoke with a representative over the phone and submitted an dispute over the phone and explained the inaccuracies and they again came back that the information was verified accurate. I again requested the method of verification and Experian has deliberately not responded and have not corrected the accounts or mailed me the information I have requested from them as to how they verified the late payments. 

This has been going on for well over a year and Experian has not removed the late payments. How can 2 bureaus report the same information and Experian report something totally different, then refuse to correct what they have reported.

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 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX  XXXX XXXX sold my financial information to a collection agency named LVNV FUNDING LLC without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. LVNV FUNDING LLC has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. I.C. SYSTEM is reporting an alleged debt and they are tarnishing my reputation and harassing me. 

I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed. 

According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts from I.C. SYSTEM, INC without my permission; using my name and personal information by which to do so.

According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my 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 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I've tried reaching out to PayPal to try to close out my account with them and they keep telling me wait 6 months since XXXX and I did wait and now when I try to call them and find out why I'm not able to close my account I keep getting told that they'll submit a ticket & get back with me and they never do its now XXXX and still nothing from them that money was supposed to be used for my husbands funeral expenses but since PayPal put the limitation on my account I've had to go take out loans to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sending {$500.00} to nephew in XXXX Remitly charge me {$9.00} supposed to put into my nephew checking accent in XXXX XXXX that was in Friday XXXX XX/XX/2021 around XXXX XXXX  today is XXXX XX/XX/2021 I still waited deposit according Remitly speak w XXXX XXXX  and told the customer support the system doesnt work but for my surprise I already sending 3 different amount to that checking account one for {$60.00}, {$50.00} and {$85.00} dlares and he received in five minutes in that transaction no was problem so I call back Remitly and let know what going on the supervisor XXXX promise to call but still the company they dont know where are my transfer of the {$500.00} and with the promise will come back to me in hour .now in pacific time I still waited for answers my call and nothing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello XXXX, I would like to report one XXXX XXXX personnel who scammed me over - {$5000.00} via credit card dispute. 

He bought over {$5000.00} worth of digital asset from me and one month after he reported to his credit card company reporting unauthorized transaction. He first disputed money in paypal but after one week of reviewing, paypal closed his dispute but then he went to his credit card company and charged back. 


He blocked me and doesnt want to speak with me. He is very active on reddit and is discussing about the bought item in reddit actively proving he still has the digital items he bought from me. He has blocked me and refuse to communicate with me. 


So I would like to report this fraud/ scammer to whichever XXXX department is relevant. If you could assist me, that would be great. 

Thank you very much for your time. 


Paypal case id : ID XXXX XXXX XXXX a link which provides screenshot of the transaction : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account SANTANDER with Account Number XXXX and a Balance : {$5200.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation