vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey Listen, This is getting ridiculous. I have sent many complaints about this and I just am getting tired. I am trying to get a home and this inaccurate and non compliant information is making my endeavors tough. I am trying 1 last attempt before i file an FTC report and with my attonery general. I have alos asked a counsel to help me with this and they told me to try this one more time before they say we go to litigation. 

XXXX XXXX IS MY ONLY NAME XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX IS MY ONLY ADDRESS. 

XXXX, XXXX  & Equifax is reporting bogus and innaccurate information. I know XXXX hit all of us but this is reckless and we cant utilzie that as an excuse to not fix information. 


I have copied all these innaccurate addresses below that are innaccuarate, do not exist. REMOVE ALL IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Ive detected ID fraud. I noticed before but i ran credit because I was about to purchase a home and saw accounts thats u didnt open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: GA

Complaint narrative:
In XXXX of 2020, I submitted a dispute and have not heard back from the 3 bureaus. I need help with the responding to my complaint.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing today in regards to my account with JPMCB Card Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX we managed the refinancing of our vehicle, which was carried out without problem. The fact is that to date the credit bureau reflects as a balance owed twice the amount actually owed, thus doubling our debit balance, which is undoubtedly affecting us, since we are obtaining for the purchase of our home. We are urged that the credit bureau reflect the reality of the debt. We contacted Capital Chrysler who gave us the settlement and agreed to send it, but days go by and my score is not updated, which is affecting my conditions and financial viability for the credit we are looking for. I appreciate your help and attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
I have personally contacted Wilber and Associates and can confirm that the law firm that was previously representing me contacted them to dispute the validity of this supposed debt. Wilver & Associates are ATTEMPTING TO COLLECT ON AN INVALID DEBT ON BEHALF OF XXXX XXXX. XXXX XXXX has provided them with invalid yet critical information regarding a loss to include the incorrect vehicle owner 's name, address, and insurance policy details, all of which were obtained by the police officer who responded to the accident and thereafter shared with both drivers. 

I have taken time to bring this to their attention on multiple occasions, most recently today, and insist that they do their part to remedy this immediately as they have no legal grounds to pursue collection efforts. I was hit by Wilber & Associates 's client 's insured who at this time has been found to be at least 80 % liable. I continue to dispute all liability and am prepared to retain an attorney as this claim progresses to mediation. 

The company has been advised of the vehicle owner 's correct name and insurance policy information. How they can engage in collection efforts without first validating the details of said debt is unconscionable and irresponsible. I feel XXXX XXXX is also at fault for contracting with this third party debt collector and provide misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them. 

8. I just received a response after filing a complaint, finally. I was asked to submit any example of the types of communications I was receiving from Navient before my " past-due statue ''. " Past-due statue '' is the words being used by Navient to prove there point, in there recent letter. I wish they used the same verbiage " past-due statue '' before they labeled me 90 days delinquent. Instead, I was being sent misleading Information, with verbiage like due date. I feel Navient actions at the time where very misleading and over all damaging. I have attached an example of the types of emails I was receiving at the time. Enclosed. 

Also, I did give reference to these emails in my original complaints to them, but not addressed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing today in regards to my account with Wells Fargo Account # XXXX, the reason for my request today is to ask for assistance with the late reported in XX/XX/2020. In XX/XX/2020 I had two unfortunate things happen 1. I had XXXX 2. My bank account had fraud and therefore was compromised and shut. The reason I am telling you this is because my account is on autopay so I no concerns while I was unwell that my accounts were being paid. I also was unaware that my bank account which the payments were coming from was shut down due to the fraud which occurred. Once I was well enough and made aware I quickly got the account paid up.

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 2021-02-23 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: I.C. System, Inc.
State: CA

Complaint narrative:
The account I am filing a complain about is appearing on my report from a company called I.C. SYSTEM, INC. Their contact information, according to what's on my XXXX  credit report is : phone number is ( XXXX ) XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  MN XXXX. The account number they have listed on my credit report is : XXXX. This remaining balance of {$380.00} ( Ticket # : XXXX ; spoke with a rep named XXXX who processed my payment ) that was previously associated with this account was PAID IN FULL to the original debt-holder, XXXX, over the phone on XX/XX/XXXX @ XXXX ( PST ). I.C. SYSTEM, INC. is still reporting a FALSE balance of {$830.00} on credit report as of XX/XX/XXXX. Before the balance was updated randomly to this amount, it was {$910.00} reported, also falsely since XXXX of XXXX. I do not have a balance owed to XXXX anymore, period. I do not have any open or closed accounts with a balance under my name for this company AT ALL. I.C. SYSTEM, INC. is fraudulently still applying a non-existent debt on my credit report every month, despite NUMEROUS attempts from XXXX to notify them the former balance of only {$380.00} has been paid in full. At this point, this is my absolute last resort because every time I call I.C. SYSTEM, INC they tell me XXXX has not updated them of the balance being paid in full. But every time I spoke to XXXX they continuously uphold that I do not have a debt owed to them. I also have proof the previous account which was active in XXXX has a XXXX BALANCE.

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 2021-02-23 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: CA

Complaint narrative:
I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JDJ Investments, INC.
State: TX

Complaint narrative:
CBS collections at XXXX XXXX XXXX, XXXX, La, XXXX has been calling me for debt collection notices in the amount of {$4200.00} the collection has been report as past due balance. I do not know this company. I have never done any business with this company. This company does not have the contract with my signature.

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 2021-02-23 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:
I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXXXXXX XXXX  reported I was late 60 days both months to Equifax . The same company reported I was 30 days late both months to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXX XXXXXXXX reported I was late 60 days both months to XXXX . The same company reported I was 30 days late both months to XXXX and Experian.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For more than two years, reporting this account as fraudulent, firstly through XXXX and through Synchrony with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Sychrony/XXXX  account # XXXX fraudulently opened XX/XX/XXXX with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/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 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this case for the fifth time. Capital Kne bank letter dated XXXX XX/XX/2021 XXXX attached XXXX states the wire transfer was approve and returned on XXXX XX/XX/2021. To date, I have not received the check nor my bank XXXX. Today, XXXX 2021, I checked with my bank and to date they have not received anything. 

Capital One failed to address in their letter how they have sent the money back. On XXXX XX/XX/2021, I was for the first time able to reach XXXX and she has told me she will check and let me know how the funds were returned and she will send me copies of the document to my email XXXX within 2-3days. 

It has been over a year Capital one is sitting on my money with fake promises. Please someone from Capital one call me at XXXX or email regarding my issues as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Terrill Outsourcing Group
State: OH

Complaint narrative:
Received phone call from XXXX with XXXX XXXX XXXX  XXXX stating that her company bought my original debt from XXXXXXXX XXXX  and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from superlative RM ( SRM ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from XXXX XXXX XXXX  to please send me proof of debt which she only offered to do in an email. 

XXXX proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

SRM proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX  and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. XXXX email does not state that. 

If SRM is in fact who I owe the money to then what happens to all the money that I paid XXXX XXXX on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX  for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery associate has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter portfolio sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given portfolio any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, portfolio recovery just don't respect the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I made A {$1000.00} payment and told the phone rep that the payment is for XXXX and XXXX I am having XXXX and I want to be ok as far as late Problem is citi customer service is in XXXX and XXXX they all have trouble understand English therefore they dont know what to do put u on hold too much lai make fun of laugh and pretend to be a supervisor So XXXX comes I keep getting call 3-4 times a day I call citi to find out what is going on and they told me I am late past due and delinquent Why they took this harsh un necessary action when I didnt do anything wrong After my complaint to executive office XXXX told me the person handling my issue will call me by friday XX/XX/21 And will stop the phone harassment Do to Texas cold No one called me so I called back left. Message phone harassment still going They are recking my credit for no correct reason and if they reck my credits file they will be sewed

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX  has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter XXXX sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given XXXX any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, XXXX XXXX just don't respect the law!

Company response to consumer: Closed with explanation