vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: TX

Complaint narrative:
I CONSUMER XXXX SENT MIDLAND FUNDING LLC A AFFIDAVIT OF FACTS / NOTICE OF REMOVAL ON XX/XX/2020 CERTFIFED MAIL. OF VOILATIONS COMMITED AND THAT I THE CONSUMER LAWFULLY DID NOT OWE THIS COMPNY ANYTHING AND TO REMOVE MY INFOMATION FROM THIER DATABASE AND REMOVE ACCOUNT FROM CREDIT REPORT. COMPANY DID NOT RESPOND TO DEMAND IN A LAWFUL/ TIMELY MATTER ALLOWED. PLACING THEM IN DEFAULT.. SHORTLY AFTER THE ACCOUNT WAS REMOVED AND ILLEGALLY ADDED BACK TO THE ACCONT. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF OF ME.CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CEERTIFIED. WHICH ARE 1. AFFIDAVIT OF FACTS/NOTICE OF REMOVAL. 
I ALSO HAVE RECORD TIME AND DURATION OF COMPANY DENYING ME OF MY CONSUMER RIGHTS. WHILE CREATING AND COMMITING DECEPTIVE PRACTICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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: AFNI INC.
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TX

Complaint narrative:
As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am contacting you regarding some fraudulent accounts appearing in my credit file. 
I have recently become a victim of identity theft. MY PASSPORT and wallet and pertinent files were lost in the airport upon moving cross country. Once I noticed the account was placed on my account I immediately contacted the credit with several attempts to validate the debt. I have filed FTC identity theft report as weak.. The accounts in question are : 11 XXXX obtained by a credit collector ( XXXX XXXX XXXX ) - {$260.00} filed XX/XX/XXXX AND XXXX XXXX XXXX - ( XXXX-XXXX  ) - {$220.00} XX/XX/XXXX these are not my accounts. Please remove these items from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
Tried to verify my account. Was hung up on multiple times with no resolution. Never have been sent any type of correspondence regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent transunion a letter on XX/XX/2021 requesting the reinvestigation of the following accounts that are on my credit report. Transunion 's previous investigation failed to correct the inaccuracies that I presented to them in the previous letter. This inaccurate information still appear on my credit report despite me providing evidence to help show that inaccuracies were being furnished on my report. I would like these items immediately re-investigated and for good reason. These inaccuracies are highly injurious to my credit rating and affecting my state of mind..

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 2021-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
The reported voluntary forbearances dates starting from XX/XX/XXXX to XX/XX/XXXX are not accurate. I was in repayment under your hardship program during this reported timeframe. I don't understand how can my status be in a Voluntary forbearance while agreed payments were automatically debited from my account under your program. My account also received late fees and capitalization line items and I am requesting more details.. Dates in question are listed below. 
XX/XX/XXXX : {$1300.00} ( capitalization ) XX/XX/XXXX : {$20.00} ( Late fee ) XX/XX/XXXX : {$12.00} ( Late fee ) XX/XX/XXXX : {$7.00} ( Late fee ) XX/XX/XXXX : {$10.00} ( Late fee ) XXXX/XXXX/XXXX {$10.00} ( Late fee ) XX/XX/XXXX : {$32.00} ( Capitalization ) XX/XX/XXXX : {$25.00} ( Capitalization ) Please perform a cross reference with the Forbearance postponements and the payment history that was provided by Navient. I received late fees and capitalization interest while I was still making payments that were agreed upon under Navient 's hardship program. I do not trust the integrity of the data being provided since your dates reflect different as you have responded in the previous complaints. 

Please clarify why there is a discrepancy in your faulty database. This definitely creates doubt of Navient 's recordkeeping. Why wasn't this discrepancy identified earlier? In the companys response, Changes to our website may cause the Disbursement transaction to reflect an initial inaccurate balance. The discrepancy is caused by the Loan Sale Entry on XX/XX/XXXX, which shouldnt appear in your history. The amount of the Loan Sale Entry ( {$29000.00} ) plus your actual disbursement ( {$4000.00} ) is incorrectly reflected on the online account history as the disbursement balance. Please clarify if the loan sale entry of $ XXXX includes $ XXXX or is the additional $ XXXX. 
Status History XX/XX/XXXX Status Begin Date End Date Post Date Grace ( Attached ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XXXXXXXXVoluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XXXX XX/XX/XXXX Administrative Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX RepaymentXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary ForbearanceXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX Present XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, XXXX  and Trans Union requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...

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 2021-06-18 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: FL

Complaint narrative:
I sent a copy of all outstanding, outdated information along with unauthorized inquiries to Experian, XXXX  and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...

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 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle from a dealership and financed through BB & T. The sale included a rebate. When I received the rebate check ( Check # XXXX for {$5200.00} dated XX/XX/21 ), I noticed it was drawn on the same bank ( BB & T ). When I took the check to the BB & T branch in XXXX XXXX, TX., to get it cashed, I was told I would be charged an {$8.00} check cashing fee. When I explained to the teller that I was a customer and had a new automobile account with BB & T, she told me it didn't matter and only deposit account holders were exempt from the fee. When I asked to speak with a manager, the teller told me the manager was not present at the branch today.

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 2021-06-18 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

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 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I never pulled out a loan for the amount indicated on credit report nor the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: NJ

Complaint narrative:
Alleged debt is listed on two ( 2 ) credit reporting agencies as ( JOINT ) and no notification received to validate the alleged debt. I have requested that National Service Bureau of the state of Washington provide me with identifying information to substantiate the alleged debt and to date, I have not received any information. 

I have certified mail receipt proof that National Service Bureau received both documented requests for information. 

Since my written communication attempts ( XXXX and XXXX of 2021 ) I have received numerous calls from National Service Bureau even after my initial contact with CFPB. 

I need clarification/validation about this alleged debt ( JOINT, debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I disputed this because I didn't know what it is. On my report it says Transworld systems. not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Quall Cardot LLP
State: CA

Complaint narrative:
Quall Cardot removed {$2500.00} from my savings account from a XXXX XXXX credit card debt from XXXX. I am a single mom in between jobs and this was my rent $ $ $ and living money between jobs. They put me in a situation where I do not have rent money, food money, my car payment, and gas money to get to work. They removed money from my savings account after the stimulus was paid, and I received it back for the same reason. I put money in my savings in order to set it aside for rent/car/daughters tuition/etc. The debt came after a medical emergency and i plan on paying back but need this money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disagree with Transunion, because I notified all proper parties that I am a victim of identity theft. Transunion responded that they verified a fraudulent account on my credit report. I would like to know how a fraudulent account can be verified. How was it verified and when.

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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am trying to refinance my manufactured home and the Property through XXXX XXXX. The title is under Freedom Mortgage. I want my manufactured home to be a permanent location of the property when it was provided to me by original owner. In additional, Previously, Freedom mortgage receiving my business, the manufactured home was a permanent location of the property when I got the loan, but Freedom Mortgage had separated the property and the home when I had financed it with them. On XX/XX/2020, I sent them the information from the DMV-Form ( T-234 ) Mobile / Manufactured Home Certificate of Permanent location is the name of the form. Freedom Mortgage had acknowledge they the received the form. So, they stated their legal department would handle the situation. So, from that I have been going back and forth trying to get this resolved with Freedom Mortgage. Mr. XXXX XXXX is the XXXX County Tax commissioner, and is associated with the DMV- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX GA XXXX, O : XXXX, had spoke with a Freedom Mortgage Rep. and had instructing them what to do, which was not done. They supposed to gave me information to proceed with the combined of the manufactured home and property, and what was sent to me was the Form ( T-234 ) blank, which was what they needed to complete ( Freedom Mortgage ). I asked specifically why aren't you, your company complying with my request, they stated because they can't give out any internal documents. So, I made a complaint with the XXXX XXXX XXXX and with that complaint, nothing was resolved. So, the communication was cut completely off with Freedom Mortgage on their end. The goal I am trying achieve is if they can and will make the appropriated changes and if not, at least provide a reason with recorded documentation.

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX removed {$2500.00} from my savings account from a Wells Fargo credit card debt from XXXX. I am a single mom in between jobs and this was my rent $ $ $ and living money between jobs. They put me in a situation where I do not have rent money, food money, my car payment, and gas money to get to work. They removed money from my savings account after the stimulus was paid, and I received it back for the same reason. I put money in my savings in order to set it aside for rent/car/daughters tuition/etc. The debt came after a medical emergency and i plan on paying back but need this money back ASAP.

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 2021-06-18 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: ProCollect, Inc.
State: TX

Complaint narrative:
Hi i submitted my police report to pro collect and ever proof that it was identify thief these people pro collect and XXXX  has not yet removed this they are sick and rude im about to sue them im tired to the point of they removed the eviction and blocked off my name then put it back on my name due to me not having a police report i sent both company 's my police report still yet they are not tryna remove it so is it anyway you guys can help because this identity used in my name.

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 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: MI

Complaint narrative:
XXXX has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by XXXX IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -NATIONAL CREDIT ADJUST # XXXX

Company response to consumer: Closed with explanation