vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
I am not swayed that the Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. The payment history is not showing on this account which make my suspicions accurate and true. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with THE BUREAUS ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The date of the last activity is being reported on the year XXXX but thhe payment history is on XXXX. Also, No 120 days record was found prior to getting the account to be a charge-off. This company is re-aging my account. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
XX/XX/2022 Re : XXXX XXXX Dear Consumer Financial Protection Bureau, I am appealing to your authority to have XXXX, XXXX and SageStream , LLC to release their addresses, telephone numbers, and fax numbers to me for the purpose of placing security freezes on all data collected by them, concerning me. 

When attempting to process this matter on my own accord by requesting security freezes, XXXX tells me that they are connected to XXXX, which is not altogether true. When contacting XXXX, they state that they are connected to XXXX, which is also not altogether true. 

In particular, I am referring to the inability to receive confirmation letters and/or numbers from both XXXX and XXXX on their respective letterheads stating or showing that my security freeze has been placed. 

XXXX and XXXX both hold personal information on consumers. My rights under FCRA allow me to place security freezes on my credit file upon request. 

XXXX is claiming that they are a part of XXXX for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen. 

These are separate entities, holding separate credit reports and allow for separate security freezes. [ XXXX, XXXX, XXXX, XXXX ] Please assist me as soon as possible in obtaining the necessary contact information in order to place security freezes with XXXX and XXXX, therewith, compelling them to follow those well known directives from FCRA. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I don't owe anything to CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

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 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Student loans are too high for monthly payments. I can not get a good paying job with this degree. It is not recognized. If I want to get a job using this degree, I have to take additional classes or start all over again with classes. XXXX requires XXXX year experience and they do not recognized or take in consideration the degree

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
I have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} XXXX XXXX XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-

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 2022-02-18 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: MI

Complaint narrative:
XXXX  XXXX  listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had XXXX card and its past the XXXX  year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.

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 2022-02-18 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT AUDIT is trying to collect a debt that i didnt owned for XXXX $ starting to report on XX/XX/XXXX and the last activity report was on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
we refinanced the house and the company Lakeview but XXXX takes the house payments. Our contract stated that once we signed the paperwork we didn't make payments for the first two months. So we start making our payments and they send back our house payment saying we are behind 3 months and they aren't accepting our payment unless we pay in full ( three months ). We called Lakeview and they say we are good but XXXX says we are behind. We have called Lakeview but they don't seem to have the stuff together. I'm warred about losing my home because of their stupidity. Until we refinaced the home all was good. Since refinancing things have gone down hill. My loan number is XXXX. We would like to get this fixed asap as it also effects my credit rating and my good name. Maybe this company shouldn't be servicing VA loans.

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 2022-02-18 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: MI

Complaint narrative:
XXXX XXXX listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had one card and its past the 7 year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is trying to collect debt that is not mine for the amount of XXXX $ the first day of report was on XX/XX/2021 and the last activity day was on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
Over the course of three {$5000.00} transactions, totaling {$15000.00} to Binance.us for the purpose of transferring the USD to XXXX and to transfer it off the Binance.us exchange. After purchasing the XXXX and trying to move the money off the exchange, I was told a 10 day hold would be be necessary first for safety reasons. After sixteen ( 16 ) calendar days of waiting, I decided to sell the XXXX and move my USD back off Binance.us and into my XXXX XXXX XXXXXXXX account ; the same account the money came in through and that had been linked to my Binance.us account the whole time. My Binance.us account was also verified for the whole time. I had previously sent them a copy of my driver 's license and all relevant documentation to be fully verified, specifically to avoid any problems like this one. After selling the XXXX and attempting to move it back to my XXXX account, I was notified by a message on their website that my account had been disabled as a " risk control ''. After multiple days and multiple e-mails to Binance.us, I finally received a response from them that I would have to agains send a photo of my state issued driver 's license and a photo of myself holding a sign requesting my Binance.us account to be reinstated. I did that promptly and still have not had my account reinstated so I can withdrawal my funds back to my bank account. This entire process started on XX/XX/XXXX and is very quickly approaching a full thirty one ( 31 ) days I have no been able to move my money off Binance.us in any manner. My account is fully protected including 2FA and despite Binance.us claiming there has been suspicious activity on my account, I have never received an SMS on my phone about attempted transfers or anything of the like except when I myself was trying to do so. I have never used a VPN or anything that should appear to them as suspicious activity and it is my opinion that their claims of suspicious activity are either them dragging their feet yet again or potentially something malicious. I have contacted the SEC about the issue as well and will be contacting the SEC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
I have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2022-02-18 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: TX

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you.

I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
They called me pretending like they are going to serve me with a summons to appear in court and it's all a lie. XXXX representing themselves and would not send me a letter even though I asked XXXX. I have XXXX of the conversations recorded. They did not state the mini XXXX. They won't give me their info because they're hiding behind the phone. They won't send me a letter because they know what they're doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
I saw this collection from Caine & Weiner on my credit file for a XXXX XXXX  claim. I mailed letters to the credit bureaus and directly to Caine & Weiner twice for debt validation. The accounts on my credit file were marked " customer disputes this account '' but Caine & Weiner never responded with any factual documentation for proof this is my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The school  that I attended has been out of business for several years. I owe so many student loans and the school promised I would get a job and they are credible but misrepresented their school on many instances. I am unable to further my education or transfer credits for this school nobody sees them as credible.

Company response to consumer: Closed with explanation