vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management sued me, via XXXX, XXXX XXXX XXXX XXXX XXXX, with a summons issued on XX/XX/XXXX. The case was just dismissed on XX/XX/XXXX, but it should have been dismissed a long time ago. I've been to court three times now for the same matter. I filed, without an attorney, two motions, a letter to Midland, and attempted to file an asset subpoena. 

The attorney never received the second motion, filed XX/XX/XXXX. She read my copy. 

Midland kept alleging that my account was opened as a XXXX XXXX, when it was opened as a XXXX XXXX, which was later transferred, by XXXX, into their MasterCard program. I have all of my purchase receipts and billing statements, and nearly all of my payments were made in-store, so I have those receipts as well. 

I was never invited into the courtroom to show my evidence. The attorney ( mediator ) for XXXX always met with Midland debtors outside the courtroom to get people to arrange a payment arrangement. I would never do it because they kept sending me copies of statements that didn't match mine. That was my main issue. I have an account and the issuer did charge it off, but it appears to be lost. 

If a debt collections company is going to go to the effort and sue me, the onus should be on them to prove their case. I shouldn't have to keep requesting info in order to verify they have the right account. And where are my rights? I should have been let into the courtroom once I said that they didn't have the right account and I had evidence to prove it. 

Not only that but Midland reported my account to the credit bureau before they got a payment arrangement or won a judgement. Someone got my XXXX XXXX deleted from my credit file, along with five years ' worth of payments that I did make. And even XXXX XXXX conceded that my account was opened as a XXXX card, so I don't understand the disconnect between a debt collector and their law firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: VA

Complaint narrative:
During the pandemic, while out of work and sometimes having my hours decreased I took advantage of having my mortgage payment deferred with Midland Mortgage which was a great help to me. There were no late payments and no interest during this time period which I want to say occurred for a period of at least 18 months. After that time, I did a modification with Midland Mortgage and my mortgage was decreased to {$1000.00} approximately. On my credit report, Midland Mortgage did not report at all the removed the mortgage all together as if I don't own a home and this impacted other creditors where they either closed my accounts or decreased them dramatically to credit lines of {$100.00}. I have other accounts where they are in deferment like student loans and they just state the facts which is what you are to do that the account is being deferred. However, this is not what Midland Mortgage did to my loan. Also, I am not permitted to make my payments online like other customers and have to call in the payment. I feel like I'm being treated differently, because of the Pandemic which is not my fault. I'm making a formal complaint for the credit reporting or lack thereof and an immediate correction and anyone creditor that reviewed my credit to receive an update with the correct information and an explanation.

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 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2

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 2021-09-12 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: PA

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: PA

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2

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 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
Credit Systems Intl IN keeps sending me collection notices in the amount of {$230.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Good morning, I created my Coinbase account in XX/XX/2020. A few months ago I passed an XXXX  from my digital wallet ( XXXX  ) and since two months ago my Coinbase account appears as " account under review ''. Nobody gave me an explanation, I have uploaded my identity documents several times, I have contacted the technical support on XXXX and via email and they do not offer me any help. They open case tickets and close them without answering me. It's embarrassing. I read on the internet that there are thousands of people in the same situation as me. They hold people 's money and don't give any explanation. 

I hope you can help me, thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to this Bureau and they are disregarding a regular consumer disputes. I'm XXXX  and have been sending letters before this and still no response.

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 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I signed up with venmo but I could not connect my bank account with the app. That's when I reached out to their customer service, who requested me to verify my identification by uploading my drivers license. Of which I was happy to do, but then after fiddling with the app, I find that once requested a debit card be mailed to my address, I was then able to link my bank account and did successfully upload {$700.00} into the Venmo account on XX/XX/2021. But since that day on, my account had been frozen. Venmo representative said that there were some policy violations. I can not for the life of me figure out what that may be because I haven't done anything with the account aside from loading {$700.00}. Now they are asking me to verify that I own my banking account by requesting some very sensitive information in the form of my monthly statement, which I am refusing to do because there was no plausible reason for any violation, or why my account is frozen. I just think this company is a scam attempting to hijack the money. I've since contacted my banking institution and had filed a claim. I've also have a claim at the XXXX  services. Everyone should be aware of these crooked company and their ill gotten services and withholdings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Our forbearance with monthly agreed payments began XX/XX/XXXX and ended XX/XX/XXXX. We have not missed any agreed upon payments. Per agreement, we resumed regular monthly payments in XX/XX/XXXX. We had a loan modification approval in XX/XX/XXXX. However, the Mortgagee apparently ignored arrangements by recently making an 11th hour claim that we owe money since XXXX! We have not to date received any detailed proof of the varying figures claimed. We have lived at our residence for over 12 years. 
Your assistance on this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been trying to reach out to this consumer reporting agency and they have not given me access to my consumer report AND FILE.

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 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Synovus Bank
State: GA

Complaint narrative:
I've had a business checking with Synovus Bank for several years. I had on line access to this account. A few months back I tried to log on to my account. I was told that my data was " Not available. '' That is, not until I signed up for a new service called " Synovus Gateway. '' While I DID NOT agree with the terms of service, I was held hostage by not being able to access my account data until I did agree. I was forced to agree to the new terms of service to be able to log into my account. UNDER DURESS I agreed to the new terms of service just so I could see my balance. This should be illegal! No contract is legal or valid if it's entered into under duress. Along with this 'New '' account came price increases for Wire Transfers. From {$45.00} to {$100.00}. I agreed to this increase only under duress and I think I should be refunded the difference between the old price and the new price which I was FORCED, UNDER DURESS, to agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges under my name and was made on XX/XX/2018.

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 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).

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 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
After years of never missing a payment on my Bank of America Visa, I missed a {$40.00} payment in XXXX because I never received a statement. I never went paperless. And I didn't receive any notification until XXXX. Then I contacted them and learned they'd been charging late fees of {$39.00} per month and have closed my account. And this shows 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 monetary relief
Consumer complaint received 2021-09-12 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: PA

Complaint narrative:
XXXX XXXX XXXX is in Violation of 15 USC 1692c ( c ) 2 & 15 USC 1681b

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 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On about XX/XX/XXXX through XXXX of XXXX, I have contacted XXXX and inform them of my hardship and that I wasn't able to make the same payments that I was making nor to pay off the credit card in full like I normally was doing. I asked for assistance in paying less of the minimum until I pay off the account, suggested to payment arrangements, and or freeze my account from recurring past dues and interest charges. Of course, they treated me calling every day at all times to the attempt of harassing and not helping me at all. 
On XX/XX/XXXX I was hired to work at the XXXX XXXX XXXX XXXX XXXX XXXX in which 3 weeks later I was let go being sued according to some workers that came to my attention with it when I asked for assistance I was turned down and because of this sue allegedly reasoning for termination of my employment with no warning no discipline actions of any kind. The information is given " didn't work out because I wanted to serve the communities and children '' ( low blow ). 3 days later this woman hired to deliver the court hearing threatened me if I didn't open my door and let her in. Her on words I have something to give you, you need to open the door, and if not everyone will know your business. She continue pushing my door louder and demanded for me to open my door. She was impersonating to be law enforcement didn't provide her name nor company she was representing. She continued to intimidate me by saying I have taken pictures of your car as well. The company suing me is called Midland Collector Management and the law firm working for them has not made an attempt to answer the letter requesting information as far as I do not know who is Midland Credit Management Inc. My case is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
Never been to this place! I have insurance and when contacting the company was told my middle initial was a XXXX! It is not! Also contacted XXXX  and told I couldnt remove said name because it was tied to a collection! I do not have a D in my name! This is affecting my credit! Also violating HIPAA rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter to Transunion asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from Transunion. XX/XX/2021 I sent a follow up message to Transunion asking them to delete the following accounts because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Transunion failed to do so and thus I am asking that they delete the following accounts since they are still being report inaccuratly. 

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 2021-09-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am trying to dispute something on my credit report and when I went to my account it said I had to call Equifax. I have called several times and got to a human being once who, after verifying myself and gave the correct code, refused to help and then sent me back to the main menu where I spent 20 minutes trying to get past the automated system that kept saying it did not understand me and kept looping me back to insert your social security number. By the time I got through they were closed. I am tired of dealing with all the credit bureaus because all they do is leak peoples ' personal information and have XXXX security and are on the news constantly about this being hacked and that being leaked. They all need to be closed.

Company response to consumer: Closed with explanation