vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
XXXX  legal group has bought my credit information from Bridgecrest acceptance. I gave bridgecrest the auto because the transmission went out on me on a busy bridge which could have cost me and my kid our life. They promised me that they would not share my information but yet they sold my information to XXXX legal. Now XXXX legal is threatening to sue me for a car that bridgecrest has sold again.

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 2022-02-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent several disputes in the past to have the two accounts reported under Credit Bureau XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX  XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from 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 non-monetary relief
Consumer complaint received 2022-02-12 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX I received a post card like piece of mail from Wells Fargo. They stated they had updated my address for my ( NONEXISTENT ) Wells Fargo account " in response to your request or a notification we received from the United States Postal Service ''. 
It ends by saying " Your address has been updated on the following accounts : XXXX Platinum Debit Card I spoke with XXXX and then XXXX in the " unauthorized accounts '' department. XXXX stated he had opened Identity Theft Case # XXXX and I should expect a call on Monday from XXXX. 

Last XXXX Wells Fargo sent me an actual credit card with a different ending stating I had opened an account. I filed a complaint with you and the bank and it was resolved. And now this. 
Please, please CARE. I have not had an account with them in over a decade and I was affected by their schemes back then. This is ongoing theft. 
On page 5 of your form you ask the billing address for the card. It is NOT my card and I have no real info other than the last 4 digits they sent. I put CO and my zip so I could submit the form.

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 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I, XXXX XXXX, was sent a bill from Rent Recovery Solutions stating I owe {$4200.00} concerning XXXX XXXX XXXX. The matter at hand states I was a resident of this apartment complex, which implies that I signed a lease agreement and would be responsible for such debt. In good conscience I have never signed a lease agreement with XXXX XXXX XXXX. I have requested documentation of such agreement without successful response. I was told per management of XXXX XXXX to file : '' identity theft report and that this conversation is done and we can not help you any further ''. I simply asked for the lease agreement to provide documentation concerning this debt. I feel that I am at a loss in this situation given I have no legal attachment to this residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to Experian to request my consumer report AND FILE. Experian did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.

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 2022-02-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and Experian report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to Experian, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and Experian. 

For the past 3 years I have been submitting dispute after dispute to Experian and XXXX concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from Experian or XXXX. Instead I just keep getting generic computer generated responses.

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 2022-02-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX account was used to purchase {$860.00} worth of items from XXXX. This purchase was fraudulent. It was made without my knowledge or consent. I was contacted by Chase by an email alert of the transaction. I immediately contacted Chase and notified them of the fraud. I changed the shipping address for the items on XXXX from one in California to my usual XXXX shipping address in Alabama. When the items arrived, I returned them to XXXX. I have proof of the return. 
The fraudulent charge first appeared on my statement from Chase dated XX/XX/XXXX. I contacted Chase when I became aware of the fraudulent charge. Their Fraud Department said they investigated the fraudulent transaction. Their response was that I am liable for the charge since my account was used to make the purchase and the purchase was shipped to my address. 
I complained to Chase by phone a second time and received the same Fraud Department response. It is true my XXXX XXXX account was used to pay for the items purchased at XXXX, and it is true they were shipped to my address. However, it is also true the charge was fraudulent I DID NOT CONSENT TO THE PURCHASE AND IT WAS MADE WITHOUT MY CONSENT. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: WI

Complaint narrative:
I, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights. They continue to use stall tactics to avoid doing what is needed and are skirting the law with their fraudulent replies.

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 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The mortgage company puts their insurance in place even though I have coverage in place. Second year in a row, after going thru their portal they never respond and just place coverage. It is a supplemental policy which in place prior to XX/XX/2022. Yet they still put their own coverage in place via the escrow and will not allow opt out of escrow. I pay for 3 separate buildings on one policy, they fail to even consider it. The charged me {$240.00} this year and {$660.00} last year and would not refund the amount even though I have the coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-02-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-02-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Someone tried to use my personal information to obtain credit/open an account on XX/XX/2021. I contacted both XXXX XXXX and XXXX XXXX to report this, providing all of the necessary information and placed a fraud alert on my credit record. Neither XXXX or XXXX opened an account, and they identified the inquiry as possibly fraudulent. 
Equifax refuses to remove the hard inquiry on my credit report, even though I did not authorize it. They said that it is a valid inquiry - not if it was fraudulent and not authorized. I want that hard inquiry removed as it has seriously damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated 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 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The Company is Portfolio Recovery and they are trying to collect an old XXXX on Credit Card debt. Today they called from a number that was id as XXXX XXXX on my phone caller id. When I called back the recording said Portfolio Recovery, they are calling almost every day, I spoke to them 2 months ago to come up with an agreement and informed them that I still could not pay how much they were asking for, the rep insisted that I had to give a credit card number and she would put a future date on it. I explained to her that any date she puts is not a guarantee that I can pay as I was still not working and even though I was interviewing I had no prospects so not sure how I was going to pay. They stopped calling for a while and started calling back every single day, and today at XXXX pm I got a missed call that said XXXX XXXX XXXX. Since I did not file taxes as I have no income to report, I called back and the recording stated Portfolio Recovery, not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
After receiving a notice from a different debt collector dated XXXX XXXX, XXXX regarding a debt of {$200.00} with XXXX ( which I had never heard of before ), I sent a letter XXXX XXXX, XXXX noting that I do not have any responsibility for the debt for which they were trying to collect and requesting that they not provide my information to any other company. I then received a letter from another company dated XXXX XXXX, XXXX regarding that same debt. I responded to it on XXXX XXXX, XXXX stating once again that I had no responsibility for the debt but if they had good reason to believe that I was, to send me proof. 

I then received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX, both received XXXX XXXX, XXXX. One was a letter stating they were initiating a review of the inquiry received and the other with the documentation of a bill from XXXX from XXXX XXXX. This bill was for someone with the same name as me, but for an address/state where I have never lived. I sent a letter dated XXXX XXXX, XXXX stating that the debt did not belong to me and that I have no responsibility for it. I noted that I have never lived in South Dakota and I have never had an account with XXXX or XXXX. I asked that they stop all communication with me and with my address and to record that I have no obligation for this debt. I also noted that they were to have removed my information from their records previously because of a different account they tried to say was mine ( which was from the same town in South Dakota as this debt ), which they finally agreed did not belong to me. They stated before that they had removed my information from their system with regard to the previous inquiry. However, they or someone they work with must have given my address to other companies. 

I once again received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX. One was received XXXX XXXX, XXXX, and the other was received XXXX XXXX, XXXX. They included the same information regarding the debt as the letters received in XX/XX/XXXX. 

I have never lived in South Dakota and I have never done any business with XXXX or XXXX. I continually tell them this debt does not belong to me. I have asked that they remove my information from their systems. I have absolutely NO delinquent debts and they have no reason and no right to keep my information in their systems. I understand they have a job to do, but continually contacting me about debts that are not mine is harassment. 

This has required that I sent multiple letters certified mail and return receipt. This cost is getting burdensome for me and I want them to stop badgering me about debts that are not mine. I have NO responsibility or obligation for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed an order on XXXX using my Chase Freedom credit card. The detailed information of this transaction is given as follows : - Date of the transaction : XX/XX/2021 - Order Number : XXXX - The amount I paid to the business : {$1000.00} Details of the complaints : I received the wrong products for my order. The details are explained in the attachment ( XXXX dispute ). I called and emailed to contact XXXX customer service for a replacement of the order starting in XX/XX/2021. I tried multiple times. However, the business did not resolve the problem for more than two months. 

I filed a transaction dispute on my Chase credit card for a partial refund ( I subtracted the matched products from my order and therefore requested a partial refund for the products I never received ). However, the Chase bank denied my dispute. The notice letter is also attached to this request ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: OR

Complaint narrative:
I stupidly sent {$210.00} using XXXX from my account at Key Bank to an email address on XX/XX/2022. I then realized this was a fake job scam. I did a live chat with a Key Bank representative on XX/XX/2022, asking if the transaction could be reversed and my money restored. This person said no, there was nothing Key Bank or XXXX could do to help. The bank should offer customers some sort of insurance in such cases, just as credit card companies do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies.

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 2022-02-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX  or the credit reporting agencies.

Company response to consumer: Closed with explanation