vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
This is the third time I have had this dispute with Equifax. I am disputing a debt with XXXX XXXX XXXX. I have offered evidence that I only owe {$350.00}. XXXX XXXX validated this evidence on my credit report with Equifax. Then 2 days later XXXX XXXX is claiming that the balance they validated to be correct was not correct after all. Equifax has favored with XXXX XXXX. Equifax is saying that I am a liar and XXXX XXXX is telling the truth. They have not called me a liar but thats what they are doing. I want to know why Equifax thinks XXXX XXXX evidence is more credible then mine when XXXX XXXX went on record with XXXX and XXXX  and validated my claim of {$350.00}. The balance of {$350.00} is still showing up on my XXXX and XXXX  credit report. ( see attached documents. ) XXXX XXXX tells XXXX  and XXXX  that my balance as of XXXX the XXXX is only {$350.00}. That balance is still current. So either XXXX XXXX lied to XXXX  and XXXX or the lied to Equifax because they are reporting different things to all 3. If they are telling Equifax one thing and XXXX  and XXXX something totally different then why is Equifax giving their evidence more credibility than mine? What makes XXXX XXXX evidence more credible then mine when XXXX XXXX themselves validated my evidence. I want Equifax to remove XXXX XXXX trade line from my credit report. Its obvious XXXX XXXX is not credible if they are reporting 2 different stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

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 2021-07-19 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: Porania, LLC
State: NY

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The inquiries listed are unauthorized and fraudulent inquiries. I did not consent to the following inquiries. 

XXXX inquiry date was XX/XX/2020 inquiry date was XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group repeatedly sends letters trying to collect a debt that I do not owe. I have requested twice to dispute the debt and for them to cease contacting me as per FDCPA. 

I have explained that it was a result of a crime and I was assaulted. The police forced me to go to the hospital. I told the hospital I did not want treatment and that it was a concussion. The hospital forced me to sign a release before they would let me leave. I signed the release and walked home in the middle if the night. 

CBE Group has been given the case, judge, DA, explanation, etc. They even put a negative mark on my credit. When I disputed the negative mark, CBE removed it. Now they are trying a third time to collect. It is NOT my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

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 2021-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: OR

Complaint narrative:
I rented a vehicle from XXXX at XXXX XXXX in XXXX, TX for business travel for a 48-hour trip. I prepaid for my reservation, providing a credit card for the deposit at the time I picked the car up on XX/XX/XXXX. I returned it on XX/XX/XXXX, commuting a total of 72 miles to and from my place of employment and XXXX XXXX during the time the vehicle was in my possession. 

I filled the tank within 5 miles of the airport and returned the car full. An attendant was not present so I left the vehicle in the lot and returned the keys as instructed. Upon returning home, I noticed an additional charge for fuel, despite the fact that the receipt clearly showed the full tank on return. I was finally able to get the fee refunded. 

A month later I received a letter from a bill collector on behalf of XXXX claiming that I damaged the vehicle and attempting to collect over {$800.00} with no substantiating evidence and no further information regarding the alleged damage. The car was not damaged, and in fact XXXX did not even attempt to charge my card for any damages or mention them in any correspondence after the return date. The return slip also did not note any damages, simply that the vehicle was returned full and had been driven 72 miles. 

I believe I am on the receiving end of retaliation by XXXX for not paying additional fees for unnecessary insurance and for complaining about and seeking a refund for an additional fee they were not entitled to collect. I am in the process of retaining legal counsel to resolve this issue as XXXX has not acted in good faith throughout my rental transaction with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
on the week of XX/XX/XXXX I called Credit Acceptance I spoke with a gentleman about losing my job I was told that I qualified for the covid protection program and that for 90 days I did not have to make a payment or will receive a call about making a payment .He stated that when I could make a payment to just do so. That same week I set up a payment arrangement to pay {$20.00} on XX/XX/XXXX and which I did. So that next week I got another call explaining to the the young lady that I was in the covid protection program which she stated that I needed to still payments and call in in which told her that I was never told that. So I made another {$20.00} payment the same day. So on last Tuesday XX/XX/XXXX they spoke with my co signer which he stated that he would make the payment but due to personal reasons he could not, he too stated that I was in the covid relife program. So on today XX/XX/XXXX, I get another phone call stating that I am not in the covid relife program and that I could not even set up an arrangement for XX/XX/XXXX plus they would still call me daily to try and get a payment when clearly I have nothing to give them at this time. They call me at least 3 times a day and leave voicemails and they call my cosigner and do the same as well. At this point why would somebody say I will be okay for the next 90 days but I still get harassed daily.

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX we cancelled all accounts at XXXX, location XXXX, OH. 

It took about 6 month to close the Credit-Card Account. We payed if off toatally. 

Account numer : XXXX The account are not visible at US-Bank onlinebanking anymore. 

But : still we get Uni-Statements wit a Begining Balance XX/XX/XXXX?? 
Statement period XX/XX/XXXX through XX/XX/XXXX?? 

US-Bankl charged an Overdraft Fee and refunded it - an Overdraft fee for an account which is not existing since 1 year??

That showes us, that US-Bank is still working with our accounts, because the Uni-Statement from??, arrived here at XX/XX/XXXX, showes an Ending-Balance of XXXX. 

We are desperated, we do not see a chance to stop this, we are no longer interested in working with US-Bank. 

The last statement came from this address : USBank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX WE MIGHT BE ABLE TO SEND THIS COMPLAINT, BUT WE ARE NOT ABLE TO LOG INTO OUR ACCOUNT BECAUSE YOU DO NOT ACCEPT NEIHER OUR USERNAME NOR OUR PASSWORD WE SENT SEVERAL EMAIL TO CFPB AKSING FOR HELP. not one of them was responed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reported a collection to Transunion on XX/XX/XXXX for an account opened on XX/XX/XXXX that has a balance of XXXX. I have not opened any accounts with the company they are trying to collect for. Transunion has tried to contact the company to get proof of the debt but nobody has responded. I did a XXXX search of XXXX XXXX XXXX XXXX and it seems other people are having the same problem with them, every time it involves them reporting a debt to Transunion in hopes that someone will send them some money,

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 2021-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, two amounts were taken out of our checking account by Toyota Financial for the payoff. One amount was for {$2800.00} and another amount was for {$2800.00}. 

The payoff amount was {$2800.00}. We received a credit check of {$1.00} Toyota has not responded to my requests to refund the second withdrawal of {$2800.00} and they do not even acknowledge having received it. The second amount does not even shown up on our " payment history '' on the account. indicating that they are not acknowledging having taken the money. They have been uncooperative and unresponsive to repeated requests to address the issue. 

The overpayment was made by me " on accident '' as I did not see that the first payment had gone through - it was not showing up on my account with Toyota. 

I am going to my bank tomorrow and reporting this as well, XXXX XXXX XXXX. Our checking account number is XXXX. Phone number XXXX. 
The Toyota Account Number is XXXX. It was for a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
CCS claims I owe {$780.00} to XXXX  XXXX. The policy with XXXX  was supposed to have been canceled on or around XX/XX/2021, it appears XXXX   rep ( s ) did not cancel as instructed, which is not my error. The amount they claim I owe appears to be for two months, XXXX and XXXX, coverage due to non cancellation as instructed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NC

Complaint narrative:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC
State: MN

Complaint narrative:
I received multiple emails reported under spam in my email account, from pinnacle credit services. The company stated that I owe the amount of {$190.00} from a previous debit with the company XXXX XXXX XXXXThe email stated that the account went into default in XX/XX/XXXX and was charged of on XX/XX/XXXX XXXX middle initial is not correct in the statement as mine starts with R not L. The year i was born in is XXXX, and in the years of XXXX to XXXX I would have been around the ages of XXXX XXXX years old and unable to open any accounts till at least 18. I have 30 days from XXXX to dispute the claim. I am concerned if there was any identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.

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 2021-07-20 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: AZ

Complaint narrative:
i sent this identity theft report certified mail, and they claim to have never received it, even though i have the receipt. i need them to follow the law and " Block the items listed '' while the conduct their investigation. 

i am XXXX XXXX representing myself, and i will tolerate any " Stall Tactics '' of trying to say you need verification of who i am. I have a picture on my ID as part of the Affidavit. whatever consent you need. i am granting it right now as 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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received a text from XXXX XXXX XXXX XXXX with the following : First part of attached text : Contact information card with Hunter Warfield address, phone number, and payment portal but no context at all " Hunter Warfield a debt collector has a message for you. Please contact us at one of the options on the attached contact card. Reply Stop to Opt-Out from Text. '' Due to grammatical errors and no current debts owed through collections, I don't believe this would be a real debtor outreach attempt, even if the company is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I pulled my Equifax credit report and noticed 14 unauthorized inquiries on my report. Equifax has removed them, but they are still liable for the damages I sustained as a result of this reporting, pursuant to the FCRA or specifically 15 USC 1681n, because I had to warn them multiple times to remove it and it delayed me from getting credit I needed access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: DISCOVER BANK
State: GA

Complaint narrative:
The inquiries listed are unauthorized and fraudulent inquiries. I did not consent to the following inquiries. 

XXXX inquiry date was XX/XX/2020 inquiry date was XX/XX/2020

Company response to consumer: Closed with non-monetary relief