vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: OR

Complaint narrative:
Law firm claims I owe a debt to an apartment complex. However, when I spoke to them they refused to provide the original creditors address and phone number to verify. They claim they do not have any information about the original creditor that I should call XXXX XXXX XXXX. They tell me to call Brett Borland Las Office. Just round and round. I believe it is fraud or a fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
XXXX XXXX said that I owed them in 2018 and was harassing me and threatened to sue me for the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from 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 2020-07-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from 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 2020-07-01 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have a vehicle loan through Credit Acceptance. On XX/XX/XXXX, at XXXX, I was involved in a accident that totaled my vehicle. I was not at fault, a lady had ran a red light and hit me. My insurance company ( XXXX ), on XX/XX/XXXX, paid Credit Acceptance in the amount of {$7900.00}, which shows cleared status. Credit Acceptance informed me that I still owed {$1700.00} ( and was sent to collections, even though I have not missed a payment and am in good standing ), which I made payment arrangements ( XX/XX/XXXX ) for {$100.00} a month. They offered me a payout of Little over {$800.00}, but I turned it down due to the negative impact it would have on my credit, I would rather pay it off. Credit Acceptance refuses to update my credit report and my online Credit Acceptance page to show accurate amount owed. They were paid {$7900.00} and I feel my credit should reflect that, they got a huge portion of there money and I am making payments on the remaining portion. By them not updating the correct info, it hurts my credit and makes it harder for me to purchase another vehicle ( which I need ). By updating my credit it would lower dept owed by more then {$7900.00} which to me is significant. I have call Credit Acceptance four times to try and get this issue fixed and they would not do it. I filed a dispute with XXXX. After there investigation, they in formed me that Credit Acceptance stated that the info was correct and that I still owe over {$10000.00} dollars. what kind of an investigation is that, when they just accept the word of a company, that's not an investigation. Its not right that these company 's can do this to people. I have made all my payments, I made arrangement 's to pay off the remaining balance, which I have been true to the agreement. Buy updating my credit to show actual amount owed XXXX true amount ) that helps me to move on and help with getting another vehicle. Right now, my credit gets pulled and all they see is, I owe another company {$10000.00}, which is not true.

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 2020-07-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To XXXX/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.

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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I use the account in question for a monthly subscription charge of {$170.00}, subsequently always paying the statement in full. 

Issuer disabled online access to all of my accounts, citing " suspicious activity '', even though no such suspicious activity took place ( I never used my login on any new devices for months prior to them citing a " suspicious activity '' that wasn't suspicious at all -- I'm a XXXX XXXX XXXX, and the activity on account was not at all suspicious at any point ). 

Issuer prevented me from accessing this online account, from accessing statements ( which were only available via logging into the online account, as they do not send them by USPS anymore ), and from making payments. 

Issuer prevented the recurring charge from going through ; I had to change the recurring charge to use a card from another issuer. 

It was not possible to contact the issuer. When attempting to contact the issuer, repeatedly, at about XXXX CDT, repeatedly, I'd get a message that their business hours are XXXX to XXXX. But I was already contacting issuer during said business hours. 

Subsequently, after many tries trying to contact the issuer, the access to online account was reenabled ; to my surprise, the account in question had a balance and a late fee. I paid the principal balance right away, but I do not believe I should be charged interest and late fees when it's the fault of the issuer for randomly disabling access to account and not staffing their customer service line during the advertised business hours of 24/7.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XXXX XXXX, XXXX, received letter from PNC Bank that the mortgage payment on our residence would decrease from {$900.00} to {$890.00}, effective XXXX XXXX. 

PNC has never reduced our payment despite numerous attempts via email and phone to get them to do what their letter said they would do. 

PNC has instead, unilaterally, lessened their exposure by applying the excess payment to principle WITHOUT OUR KNOWLEDGE OR CONSENT. 

PNC said they would reduce the mortgage payment, they have not and inspite of our best efforts to get PNC to comply, they have refused to do so. 

Attached is PNC notice that PAYMENT would be reduced. 

Attached is XXXX payment history showing that excess payments auto-debited from our checking account, are being applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit bureaus are reporting the wrong address on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit bureaus are reporting the wrong address on my credit profile.

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 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I discontinued getting teeth cleanings with XXXX XXXX XXXX in 2011 and had full coverage health insurance with XXXX XXXX while going to them. I was told by XXXX XXXX XXXX that nothing is owed and my insurance covered all my work and furthermore they would not do work before receiving payment or processing my insurance, so this claim by Radius Global Solutions is false.. I told this company this and asked for proof. Company has not responded to the requests. I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original dental contract, and proof of payments with cancelled checks, as well as proof they are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove from my XXXX  credit report before taking legal action for fraud. I have also contacted the credit bureau for an investigation.

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 2020-07-01 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Can't link my PNC debit account to any third party to give mobile access. 
This is required to receive grants for XXXX relief fund. Part of the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
Ive been contacted by someone that is apparently from XXXX XXXX XXXX telling me they were from the legal proceedings department and that I need to resolve the debt or I will be sued for breach of contract and defrauding a fdic institution. I asked for verification of the debt and then if I owed it I would resolve it after I saw the documentation. They refused to provide any stating that they can not because of some reason. I was eventually transferred to another lady who was XXXX and stated that she didnt care if I paid or not they would take legal action against me and if I wanted documentation I needed to go through the chain of command to get it. No one is providing anything. On top of that phone calls were left with 2 relatives of mine and a friend all staring the same stuff. A relative called back, the person did not verify anything but a birthday and told the relative all this stuff about suing me and the supposed debt. I am very unhappy about the whole situation. I cant find out if the debt is legit, I can not find an address, get a phone number to call and I am not okay with my information being given out and being threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
I took a loan with Speedy Cash in XXXX or XXXX XXXX it was my third loan, as I am lower income and needed cash. I couldn't pay it back in full after other financial hardships, and stopped them from taking the excessive payments from my bank account by closing my account. The two previous loans I had paid in excess of 300 % interest on {$300.00} loan. This last loan I believe was {$350.00} or {$500.00}, but I no longer have access to their login to see my account. 

In XX/XX/XXXX, they sent me a summons from my county courthouse. I responded timely, but asked them to provide me proof of the loan and the balance due. They were asking for over {$1800.00}. Per the Fair Debt Credit Protection Act, they had thirty days to provide me proof of the loan debt and the balance owed. They did not. 

on XX/XX/XXXX, I get an email from XXXX ( no last name was given ) at XXXX, stating I was to appear in court via phone ( due to Covid-19 I assume ) and a copy of the summons was attached, showing I had a phone court date for XX/XX/XXXX. No time given, and still no requested documentation was given to me. 

Today, I emailed this XXXX to inquire on the time of the court appearance. I received a response, with a totally different Notice of Hearing form I had never before seen or was given to me,. with the same XX/XX/XXXX date, and a XXXX hearing ( conveniently this Notice of hearing now had a time listed, as the previous one did not ). I now have to take a day off work to deal with this, and i still have not received the documentation I asked for, as provide by law ( FDCPA ), and I am not about to give thousands of dollars to this predatory payday loan company. I am considering taking legal action in the form of a class-action lawsuit, which by an online search, they have had several against them. 

I feel that after paying off two prior loans with them at astronomical, predatory interest rates, and falling victim to hard times shortly after this loan was taken, i should not have to pay back anything more than the original loan amount plus the annual normal interest rate of 18 %. 

I also have further documentation at home from the XX/XX/XXXX summons and my response to them, if I can send that to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-07-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have the XXXX XXXX XXXX  to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATIONXXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations filed

Company response to consumer: Closed with explanation