vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXX & Equifax both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, XXXX XXXX ( which deleted it ) and Equifax. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from Equifax or XXXX about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I requested a {$20000.00} distribution from my IRA at Ally Bank. The check was lost in the mail, and it took over a month for me to get the replacement funds. I complained then about how poorly that entire process was handled by the bank. 
Now, on XX/XX/XXXX, I received my 1099-R Tax Form for this transaction. This transaction was incorrectly coded as an " early distribution '' on that form. In Box 7 of that form, a Code 1 was used, which designates an " early distribution ''. An " early distribution '' results in an IRS tax penalty of {$2000.00}. This was not an " early distribution ''. I am well past the age of XXXX and 1/2 which is used to determine an " early distribution ''. The correct code should have been 7. I had another IRA distribution from Ally during XXXX and for that they did the 1099-R correctly and it shows a code 7. On XX/XX/XXXX I called Ally and forwarded them copies of the 1099-R 's to point out this error. As of today XX/XX/XXXX, I have no resolution. I have contacted them several times, begging, as I am waiting only for this item to be corrected so I can file my Income Tax return. The responses are generally the same, " still being researched '', wait 1-2 more days, etc ... .. I believe I am being intentionally punished with this error due to my previous complaint about the stop pymt.

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I submitted a complaint on XX/XX/2021 with complaint ID XXXX on issues about collecting on 2 credit card debts. I do not know if you requested information for me but I received correspondence from Portfolio Recovery Associates, LLC. Again please find the attached letters I keep on receiving from them when I ask for verifiable proof. I keep on asking that they provide me with a contract, signature that these are mine and I am obligated to pay them. They keep on asking me for additional information, I do not understand what additional information they want from me, I am looking for proof from them.

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: JLB CORPORATION
State: MO

Complaint narrative:
GoldenOak lending obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an auto pay issue with BoA so the next month my account was locked because they said I have been bankrupt before but I haven't. I could not use web pay and operators couldn't take payment on the phone. They said they would fix it but haven't. I have begged them to take my money to unlock my account as it was locked wrongly. As a result I physically have not had any means to pay them, even after I have called and tried to make payments. Their system won't let any person take my payment because of my account status. Now I have a late payment on my credit report when I have tried to pay them and they have not acted to rectify my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes MCM failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of Midland Credit Management, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX at address XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$340.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. XXXX states that I, the consumer, verified documentation from them. I have not verified any information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am still waiting on TransUnion to remove these inquires that do not belong to me. This is my second CFPB complaint regarding this issue. My first complaint was XX/XX/XXXX and it is now XXXX. I need these items removed. They have had plenty of time to complete an investigation. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-03-08 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: Credit Adjustments Inc
State: CA

Complaint narrative:
Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called Credit Adjustments Inc., the collection agents for my two defaulted federal student loans. ( Credit Adjustments Inc. ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. XXXX says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to XXXX  ( other two c.r.a. 's are not reporting the debt ). 
XXXX  reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: FC HoldCo LLC
State: TX

Complaint narrative:
The same creditor that reported erroneously has reported the same late payment that was previously removed last month. Ive paid every month since then and they are ruining my credit. They have reported me being late in XXXX AND XXXX OF 2020 once again and I wasnt! Ive already sent documentation validating this! Im going to consult with an attorney at this point. This is harassment!

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 2021-03-08 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I recently became aware of incorrect information on my credit report in regards to a PayPal Credit Card. Apparently that card was taken out in XXXX. Payments were made on the card ( not by me ), but subsequently, the person who initiated the charges stopped paying. Somehow, this card and charges have been inaccurately associated with my credit report. When the person stopped paying, Synchrony charged it off and sent the account to XXXX XXXX, a debt collector. 

When I have contacted PayPal Credit, by phone, no agent will speak with me because they can not identify me as a PayPal Credit cardholder ( I do not have the complete account number and my name does not match ). As far as I can tell, neither my correct address, nor my correct name is on the delinquent PayPal Credit Card account with Synchrony Bank. 

Using this inaccurate information, Synchrony Bank has decided I am a credit risk and preemptively closed two of my accounts that were never delinquent and that have been paid on time - a Care Credit Card and a TJX Rewards Card.

The PayPal Credit Card account should never have been associated with my credit report if the information does not match. The name used to open the card is not my name and the address used to open the account is one that I have not lived at since XXXX. 

I sent this information to Synchrony Bank and asked them to initiate an investigation of the account so that they could remove the damaging information from my credit report. 

On XX/XX/XXXX, I received an email from Synchrony bank making reference to the Care Credit Card account that Synchrony Bank closed. This was not the PayPal Credit Card account that I am disputing should not be on my credit report. 

If anyone at Synchrony Bank had taken the time to actually read my letter they would have recognized that it is the PayPal Credit Card charges that I am disputing and not a Care Credit Card that has a {$0.00} balance on it. Why would I dispute that account? 

To make matters worse, Synchrony Bank has now informed the three Credit Bureaus that they have resolved my dispute and that the charges are accurate! And they have not investigated the account I am disputing! 

I am asking that Synchrony Bank initiate an investigation into the PayPal Credit Card associated with my credit report. I never opened the account in XXXX, never paid on that account, and have never received a bill from Synchrony regarding that account. 

That card should never have been associated with 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