vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates is on my credit report. I call them. Talk with XXXX. He gave me some info saying XXXX XXXX send my debit to collecting for a 2017 ER visit. I ask for a copy of the statement to be mail to me. He tells me I can get it email. We then continue to talk about a XXXX. XXXX XXXX End of call. No money send. 
I received an email 2days later. 
XXXX XXXX XXXX XXXX - XXXX Wakefield & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Direct XXXX ( this email change to a XXXX strand now ) Look at there website. Headquarters is located in XXXX 
I reach out to care point talk with an employee who was kind enough to help. My account is Zero balance. The guy also mention they dont do business with Wakefield & Associates . I ask for copys to be mail to me. 
When this information, and the address. On the website shows they are open.I figure I go talk with someone at the headquarter office. To get it resolved. I arrived to the location.I go up stairs. To my surprise the building is abandoned. I call them. Still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Manhattan Beach Venture, LLC
State: IL

Complaint narrative:
Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
they keep putting the wrong address on my credit report and accounts that dont belongs to me on my report i send them the proof and these account still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
they keep putting the wrong address on my credit report and accounts that dont belongs to me on my report i send them the proof and these account still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
This collection account is a timeshare account for maintenance fees. I do not have a timeshare. This same company did this to me several years ago. I had a police report for my billfold being stolen. XXXX report number. That old account was deleted, and now years later it comes back. I dont know any way to dispute this. Ive called the collection company and they dont believe me. I dont want to pay a lawyer, but my credit is excellent and Im not going to pay {$3000.00} for a bogus debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Ally Financial, I have also reached out asking that they remove the inquiry from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
This is the fourth time I'm sending this complaint about reporting my account late when it should be reported current. I have called Rushmore numerous times and even spoke to someone at XXXX. The representative at XXXX informed me that an update has never been submitted to correct the error. They also informed me that it should be submitted electronically, which it never has been. I'm extremely frustrated with Rushmore Loan Management Services because this should have never been submitted in the first place. I received a modification in XXXX, shortly the loan was transferred in XXXX to XXXX. I made XXXX trial payment before the transfer. I was also told by Rushmore there would be no credit reporting on the account until XXXX. Since my account was closed and transferred in XXXX no late payment should have ever been reported. I would like this removed immediately since this is the fourth time I'm making the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I made several calls on Saturday, XX/XX/2022 to extend my CARES act forbearance to the remainder of its eligibility, however I was told multiple times that I was unable to extend until I am within 45 days of my forbearance end date. After detailing that this is a violation of the CARES, I was still denied under the guise we didnt deny you, we just have to wait until 45 days or less due to internal Loancare procedure and limitations. I believe this to be within their ability and that this either an act of malicious negligence, or legitimate violation of federal 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 2022-03-19 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: DISCOVER BANK
State: IL

Complaint narrative:
Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.

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 2022-03-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I bank with Chase Bank and have my pay check direct deposited into my account. On Friday my check was not in my account and when I called Chase bank on Friday morning they told me they can see the direct deposit and informed me that every account number has its own routing number rather than the bank just having 1 general routing number and as a result the check is stuck in the computer system because the routing number used was for my other checking account with them. They verified the account number was correct though but couldn't do anything because it was stuck in the computer system and to call back in 24 hours if it still isn't in my account. I called back the next day and was told they can't do anything till Monday but will start the claim and the claim department has 10 days to work on my claim! That means I have to go 1-2 weeks with no money in my account and have no way of getting gas into my car or feeding my children properly for the next week or two because Chase bank refuses to release my money into my account even though they can see it! They are stealing my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for XXXX new credit cards. 

XXXX months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a 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 2022-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit report shows that my Kohl 's card is 30 days overdue and has an overdue balance of {XXXX} and the overall balance shows higher than the actual balance. This is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: IN

Complaint narrative:
I got a call from Northstar collection agency about a debt on my XXXX Credit Card and the debt is not mine. My daughter is also an authororized user and has a card of her own w me being the primary account holder. Upon first contact I thought it was a scam but after realizing the agency is legit I further explained the debt is not mine. The agency mailed myself and my daughter all the statements from XXXX and my daughter did have charges made by her that should have been covered by the negative balance XXXX actually owed us due to a claim that was filed by her but the rest of the charges were not ours. I explained to Northstar that I would pay any charges that were made by my daughter but wanted to dispute the other charges as they aren't mine or hers. I was speaking w a lady named XXXX and she transferred me to her mgr im assuming and this person tried pressing me to paying a debt for almost 18k that wasn't mine. I asked for validation of debt so I'd have something showing how to dispute these charges and I was told that they already mailed out the statements from XXXX  and they weren't going to mail anything else. I also would like it noted that upon initial contact w XXXX she tried a scare tactic saying if im saying these charges aren't mine then my daughter would be in trouble and face prison in order to get me to pay this. I never got anything from Northstar w in 5 days telling me how to dispute the debt and refused to send it when I asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX bank Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-19 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I was paid direct deposit. I can't be exact on amounts because later that day I was blocked. I was charged {$90.00} something dollars for i don't know what. No paperwork and no answer from NetSpend. Then my wallet was stolen and debit card used for overdraft, {$100.00} something dollars, then my account was blocked from even viewing my statement. I was to receive a refund from XXXX XXXX for XXXX XXXX  i never received and was told i would receive a check via mail. NetSpend says they never got it but I have the transaction report from under armor saying that they did. I'm out {$150.00} for whatever reason. I've requested statements and reasons but nothing but the generic response of we'll get back to you by such and such date but they haven't once. I needed that money then and even more so now. I live paycheck to paycheck and am unable to catch back up with the late fees im accruing for no reason.

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 2022-03-19 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Santander Consumer USA ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation