vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: FL

Complaint narrative:
XXXX XX/XX/2021 Complaint Against : XXXX : XXXX XXXX and XXXX Application ( fake number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending , Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail / not requested marketing. Please Stop ( second request - XXXX, 2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.

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 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
I have a collection for a medical debt from TRANSWORLD SYSTEMS INC on my credit report that originally appeared in XX/XX/XXXX. They have never attempted to contact me in regards to this debt, yet it continues to accrue interest. I have attempted to call them a few times over the last year or so, but never was able to reach anyone. 

I filed a dispute with the various credit agencies last year ( XXXX ), and it was removed from two of the agencies. However, XXXX  sent a validation request to TRANSWORLD SYSTEMS INC to confirm the debt. I received something in the mail, but it did not contain any account information or any other information about how to resolve the debt, only that the debt existed. 

To this day I still have not received any communication from TRANSWORLD SYSTEMS INC. I have not received anything in the mail, and I have not received any phone calls or voicemails from TRANSWORLD SYSTEMS INC. 

It seems very shady to place a collection on someone's credit file, but then not contact them so that the debt continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
From the months of XXXX XXXX-XXXX XXXX Ally Auto reported to the credit bureaus late/ Nonpayment, which is in violation of U.S. code 15 1666. I did not give any written consent or permission for any of those accusations to reported on my consumer credit report. No consent is identity theft and also unauthorized use. Ally Auto applied debt to payment, which is also against the law.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021, I received a letter via email stating that a credit card that I applied for wasnt approved due to information obtained by a consumers credit report. I never gave anyone my WRITTEN CONSENT to report anything on my consumers report. Thats against the I.S. Code laws .No consent is identity theft! I also never gave capital one my written consent, which is unauthorized use. I was not approved based on information capital one obtained from someone else and took information without my knowledge. What law states that Im subject to a credit score? Attached is the letter I received being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have requested 3 times for validation of debt. I have requested the following : agreement with creditor that authorizes them to collect debt, The agreement bearing my signature stating I have a greed to assume debt from collection agency, valid copies of debt agreement stating amount of debt and interest charges, Proof that statute of limitation has not expired, complete payment history on this account along with any additional charges being assessed, Proof they are licensed to collect in my state, and licenses numbers and registered agent. As of today the collection agency has only provided a letter and a copy of a bill from seller. Each time I request validation the collection agency continues to send me the exact same response. Per my consumer rights they have yet to validate said debt and legally must be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
hello many times I have late payments on my student loans credit report, thru navient account # XXXX had follow all rules to best of my ability. and still not having the results that they explained to me. please fix all problems thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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:
My update to closed complaint XXXX, Experian request authorization for CFPB to begin an investigation. See my enclosed attachment that was mailed on XX/XX/2021 ( USPS Certification # XXXX XXXX request to allow CFPB to perform this and any future investigations.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Multiple unsuccessful attempts to resolve invalid collection activities without involving law enforcement or litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The CMI Group, Inc.
State: MO

Complaint narrative:
I was living with someone and they used my information to open a Wifi account and didnt change it to her name after I called to cancel it so Im being charged for something thats out of my control. I didnt have the information for anything for the XXXX  not the product to return when I called and reported my account needing to be closed due to someone using my SSN. They said they handled it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I called the credit bureaus a few months ago because there were multiple accounts showing inconsistencies and multiple inaccuracies between all three bureaus. Phone rep advised me to send in a dispute letter included in that letter would be my id, ss #, and utilty bill proving my identity and address. Til this day the same inaccuracies are still showing on my credit report. Please help *****everything was mailed certified.

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 2021-08-31 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I called the credit bureaus a few months ago because there were multiple accounts showing inconsistencies and multiple inaccuracies between all three bureaus. Phone rep advised me to send in a dispute letter included in that letter would be my id, ss #, and utilty bill proving my identity and address. Til this day the same inaccuracies are still showing on my credit report. Please help *****everything was mailed certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX -negative $ XXXX XXXX, 2021 Money Sent Your recipient should have the money by XX/XX/2021. 


Transaction ID XXXX Contact info XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion to remove fradulent inquries on my account and they failed to help me. Here are the names of the inquries that are fraudulent and should not be in my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2021-08-31 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: IL

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX, a Deficiency Notice request regarding account # XXXX was sent to Bridgecrest Acceptance Corporation pursuant to the laws of the State of Arizona UCC Article 9 State RISA and MVISA statutes. As the attached correspondence confirms, the vehicle was sold in XX/XX/XXXX ; however, I NEVER received any form of notification as required by law. Since Bridgecrest failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle within 14 days upon receipt of the request, I disputed the account with the credit bureaus in XX/XX/XXXX and asked for it to be deleted. My request to have the account deleted was not granted despite the law being violated. 

Because the time allotted by the statute to produce proof of the alleged deficiency has expired, rights to a deficiency is waived under UCC Article 9-616. I once again request to have account # XXXX deleted immediately from all credit reports for XXXX XXXX and XXXX XXXX for the reasons stated. I also ask for all derogatory remarks to be removed from ALL credit reports.

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 2021-09-01 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo blocked me from using their services because of my " recent activities '' even there was none recently. They said they have an internal monitoring system that they can't reveal any further details or reasons why they decided to terminate the service. The bottom line is that they never provided any justification on why they ended the service. This is a very upsetting experience since there was nothing wrong with my past activities. I am a XXXX  with a spotless record, and this is not acceptable that Venmo behaved in such manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I have made several attempts including filing an FTC and Police Report for this fraudulent account. Also i have sent several dispute letters stating the Federal Laws i am protected by as a consumer which Early Warning Services had disregarded on multiple occasions. Early warning continues to report this inaccurate information without any means of verification or permissible purpose which under federal law this account must be deleted. Early warning services has violated my rights as a consumer and defamation of my character also disrupting my worthiness as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NV

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On the day of XX/XX/2021 wallet and phone was stolen along wit a friends old check i was waiting on a loan to go into my account. I was that i had money that was for the amount of loan. someone tryed to wire transfer money out so i sent it to my wife to where it would not get taken agin and now my account is closed and her account is having problems wallet had my ss card id and birth certifecate in it with my along with all my cards.

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 2021-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc.
State: FL

Complaint narrative:
Second request XXXX XXXXXXXX, XXXX  On XX/XX/2021 I had requested this company To stop. Apparently this company does not understand that I DO NOT and I will NOT want to do business with them, Today XXXX XX/XX/2021 once again Im m requesting for this unsolicited mail to stop. I had never ask for my name to be placed on this company marketing lists. 

This now become a harassment, I had asked this company not to contact me, not to used my personal information for unsolicited marking and misleading letters. 


Please inform this company that my name its currently at the three credits bureaus Op-out list the XXXX and any other list to included XXXX. Please stop I will never do any business with this company. I will inform the veterans around my area, and any agency about this harassment. 






XXXX XXXX Arcus Lending Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Ph ; XXXX XXXX XXXX, XXXX, XXXX email XXXX This company its using my name and personal information for marketing and solicitation without my consent. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label INMENDIATE RESPONSE TO THIS NOTICED RQUESTED for a senior citizens. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 

Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in CA if this harassment don't stop

Company response to consumer: Closed with explanation