vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The XXXX of XX/XX/2021 Caine WeinerXXXX damaged my credit history and dscore on XXXX, XXXX and XXXX and threatened they would damage my credit which they did which prevents me from doing business with other and getting high rates. 
Caine WeinerXXXX have violated Title 15 U.S. Code Subsection 1692e, Title 15 U.S. Code Subsection 1692f and Title 15 U.S. Code Subsection 1692d and I am seeking the removal from XXXX, XXXX and XXXX and my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I applied for the Citi XXXX credit card on XX/XX/2021, and they declined me for this credit card within 30 seconds. My credit scores are between 712 and 730. I am a very responsible credit user and always keep my utilizations below 10 %. I do not have any late payments and I do not have any bankruptcies or derogatory marks or anything negative at all on my credit card. I have an income and feel that I should have been approved for this credit card. I now have a hard inquiry 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 explanation
Consumer complaint received 2021-10-24 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: PA

Complaint narrative:
On XX/XX/2021, I paid off a XXXX account with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; the balance had been {$5200.00}. By XX/XX/XXXX, the XXXX web site showed the account as paid in full and closed. 

On XX/XX/XXXX, Equifax was still showing this account as having a balance of {$5200.00} and a utilization rate of 70 %. The company claimed they received this information on XX/XX/XXXX from XXXX, which isn't possible. I disputed the status/amount AGAIN, and on XX/XX/XXXX, after " reinvestigating '' the dispute, Equifax again claimed that this was correct information, and that it had been received from XXXX. 

It's simply not possible that XXXX would still be reporting an account as open and having a large balance THREE WEEKS after the account was paid off and closed, when XXXX 's web site shows the correct information. Equifax is now refusing to correct the information, and tells me that all I can do is " add a statement '' to my credit report noting that I " disagree '' with their results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my home with XXXX XXXX XXXX XXXX XXXX and my first mortgage payment was made to them XX/XX/XXXX. The loan was then sold to another lending institution but XXXX XXXX did not convey the XXXX mortgage payment. I tried to get XXXX XXXX XXXX to correct this but after 5 months of effort, I was forced to make the XX/XX/XXXX payment again to the new lending institution to avoid being in default. 

Every attempt to reach XXXX XXXX XXXX was unsuccessful. I called every phone number listed but could never reach a human, I sent a certified letter ( marked received ) and even drove to the XXXX XXXX office listed on their website ( which they have never occupied ). 

Note of clarification : I paid XXXX XXXX XXXX  twice on XX/XX/XXXX ( in error ), and they did return 1 of those payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. 



Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I filed a dispute with Portfolio Recov Assoc and ever since the dispute, for 3 weeks in a row, this company keeps flagging this account as negative/collections and intentionally lowering my credit score. This company did not do this until I filed the dispute. Portfolio Recov Assoc is doing this in RETALIATION for filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
OPTIMUM OUTCOMES sent me a letter on XX/XX/2021 regarding a medical debt that is not mine. They not only violated me because I never gave them consent to contact me. However, they are collecting on a debt that is lawfully not mine. I have no lawful contract to pay them or ever done any business with this private entity. So them contacting me on a debt is not mine is harassment. I am filing this complaint to make sure my demands are met in my letter as well as payment is sent to me in a form of a check for said violations of federal lawsuit will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: CO

Complaint narrative:
2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my XXXX report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and XXXX removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and XXXX says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on XXXX and equifax. 

2 ) XXXX has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. XXXX has stated the the account is accurate. It's not my account. This account also displays on equifax and XXXX. 
Last but not least 3 ) XXXX also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: WI

Complaint narrative:
I believe that Experian is in violation of the FCRA and my consumer rights. Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not legally validate disputed information with the original creditor, they must remove said information from consumer profile. The listed bankruptcy had not been legally verified/validated. I have proven more than once with letters and other documentation from the Bankruptcy Courthouse and Pacer Email correspondence that neither entity report to credit bureaus or to third parties. Furthermore, each entity stated they do not confirm bankruptcies due to privacy laws. In fact, it is third party providers who collect information and in turn sell or give it to the CRA. However, per Rule 9037 of the Federal Rules of Bankruptcy Procedure - bankruptcies must be verified/validated by matching consumer 's FULL Social Security Number. Yet per section 205 ( c ) ( 3 ) there is no way to match social security numbers due to privacy compliance that states no one 's full social is to be listed on a public records cite. Despite these laws, XXXX maintains that the bankruptcy listed has been verified. First they claimed the furnisher was XXXX XXXX. When I proved XXXX XXXX has no bankruptcy listed within my consumer profile they switched to claims that they verified with original creditor, which is false & fraud. They have never legally verified with the courts or pacer. 
I've been battling with XXXX regarding this since XXXX. Whenever they initiate a dispute or reinvestigation because I sent proof they're claims of verification are fraudulent, they close out the dispute or reinvestigation within an hour claiming verified. This is an additional violation of the FCRA Furnisher and Dispute Investigation Rule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I have yet to receive my title from Global Lending. This process has been going on from XX/XX/2021 and until now, XX/XX/2021. I the consumer called numerous times and was told by untrained representatives that my title was being sent from a vault in NY, then was told that my title would take 8 weeks to be sent to me, then that my title couldn't be found. I heard every excuse there was.

I have been working w/ Global Lending to receive what I paid for.. the title to my car.

To add, A lender withholding your title is against the law in Michigan and is subject to be fined. I want this title and at minimum this creditor and their inputs payment history etc to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/2021 to XX/XX/2021, there were 41 fraudulent charges from XXXX to both my XXXX credit card and Bank of America debit card in the total of XXXX. When I discovered the fraudulent charges on the XXXX credit card, I contacted the credit card company immediately, XXXX was able to resolve the claim and refund all the charges to my Account. 

However, I was not aware that my personal checking account also had fraudulent charges until balance was down to XXXX  and all the auto payments set up using the checking account were not processed. I contacted Bank of America, they only did a partial refund and denied the rest of the claim without providing any documents used to evaluate the claim. Bank of America insisted the charges were authorized by me or someone who has permission to used the card or account. I always had my cards in possession and only used it to pay for utilities charges and credit balances. There is no authorized user on this account. I submitted the XXXX credit card statement to show Bank of America that same incident happened in the same period and XXXX completed their investigation and refunded my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning Services reported FIVE DIFFERENT XXXX XXXX ACCOUNTS. I disputed since early XX/XX/2021 the five accounts, and some days later XXXX XXXX REMOVED MY FIVE DIFFERENT ACCOUNTS REPORTS. Early Warning Services has : 1- Answer ONLY ONE account, and does not want to answer THE FOUR REMAINING ACCOUNTS. 2- Early Warning Services WROTE AN INCORRECT ABA Number in my dispute case XXXX. 3- Early Warning Services WROTE AN INCOMPLETE ACCOUNT NUMBER, which were marked with encrypted xxxxxx that could be used in an fraudulent way. I request a COMPLETE ACCOUNT NUMBERS, AS WRITTEN IN THE EARLY WARNING REPORT, and I REQUEST AN ACCURATE ABA INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XX/XX/2021, I noticed that Experian was show showing a repeated charge off that manipulated statute of limitations regarding XXXX Acct # XXXX. I asked Experian and XXXX to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both Experian and XXXX both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: USCB, Inc.
State: AZ

Complaint narrative:
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: FL

Complaint narrative:
The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: FL

Complaint narrative:
The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
In early XX/XX/2021, I disputed FIVE DIFFERENT XXXX XXXX REPORTS ACCOUNTS, and XXXX XXXX REMOVED THE REPORTS a few days later ; however, Early Warning Services Answered ONLY ONE OF THE FIVE DISPUTES. Early Warning Services assures they sent the FIVE XXXX XXXX answers more than one month ago, but I have NOT received FOUR ANSWERS. Early Warning Services says This is BECAUSE THE POST OFFICE IS RETAINING THE LETTERS. Then, I requested an appointment to go to pick up the letters, and some hours later DENIED TO HAVE HAD AN APPOINTMENT FOR ME. Since ALL THIS PROCESS IS SUSPICIOUS, I request an appointment to pick up ALL my answers. I ALSO REQUEST EARLY WARNING SERVICES WRITE COMPLETE ACCOUNTS NUMBERS, AS WRITTEN IN MY REPORT, AND ACCURATE ABA NUMBERS, AS WELL. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.

Company response to consumer: Closed with explanation