vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT XXXX  XXXX AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.

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 2021-11-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent Equifax XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my XXXX dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet is still being reported. They have responded both times within XXXX  days but failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXXr or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX fraudulent checks in the amount of over {$4000.00} were honored on personal checking account bringing balance down to a minus. 
It has been XXXX days with no response from the banks fraud department except for XXXX check being reversed on day XXXX of complaint. 

My check to pay a credit card bill was not honored causing me to be charged interest. 
Unable to pay bills timely due to direct deposit of retirement income was eaten up still leaving a negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My Toyota Financial Service account has been paid as agreed every month until the account balance was finally settled in XXXX 2021. The account is now closed, I have received the car title from the XXXX, etc. and everything is good on that end. 

However, I am showing a XXXX day late marker for the month of XX/XX/2021 despite the fact that the amount agreed upon ( as attached in the document uploaded ) was made prior to the XXXX day late deadline. 

I have inquired about this with Toyota ( over the phone ) and the only avenue they have provided is for me to dispute it with the credit bureaus. I have done this and somehow the verdict is still the same, no updates to my credit report. 

I would like for Toyota to properly review my account and determine if there was an error made on their part or some oversight on mine. As far as I can tell, this is pretty straightforward since the transaction history provided by Toyota shows me in the right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ross Morgan & Associates, LLC
State: UT

Complaint narrative:
XXXX contacted me from a restricted number. Gave a case number and a phone number to call back. She cited she was with the XXXX County Clerks Office in Utah. Upon calling the number back I spoke with XXXX XXXX on multiple occasions. He cited all my personal information to me and told me I owed {$540.00} and wanted me to pay it over the phone or he was going to take me to court. I said I wasn't comfortable with that but I'd mail a certified check after receiving proof the debt was legitimate. He got very angry with me and told me he was refusing my payment and he wouldn't take payment via certified check and he was taking me to court and hung up on me. XXXX cited he work/owned Ross Morgan amd Associates and was an attorney. I have researched the company and there was a business entity listed in California that just registered on XX/XX/2021. There are multiple complaints concerning XXXX calling using scam tactics to collect supposed debts. In any case he is either trying to scam me or by the Extinguishment Of Obligation Law XXXX XXXX XXXX XXXXXXXX  he refused my payment with no just cause. I'd like this investigated. His business is registered in California under Ross Morgan and Associates address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. Phone number I was told to call and eventually got a hold of XXXX XXXX. Registered agent listed is XXXX XXXX owner listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT TARGET WAYFAIR AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
Equifax refuse to add my current open credit card account from XXXX XXXX XXXX to my credit report even after my report is being reported by XXXX every month to Equifax. Also even after XXXX credit card department contacted Equifax to put my credit card account back on my report which was never suppose to been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I went on my email last year, and a notification came up to pay a app bill. But the whole time it was a scam, so i put in my bank information for what i thought i had to pay. So whoever sent the email took my bank information and did fraudulent checks and closed by fifth third bank account. I cleared up all the money that was owed, and have no debt. I have been trying to open up a new bank account but i cant since my fifth third account i had under my record says checking account fraud. Could you remove it off my record i payed off the debt and would love to open a new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NFM, INC
State: OR

Complaint narrative:
I have already sent a cease and desist letter, along with debt validation letter to NFM Lending and they continue to send me letters. They did not send me all the information requested to validate the debt and I am now sending a RESPA qualified written request in hopes of gaining COMPLETE clarification of the account # XXXX. Attached is the qualified written request. Letter sent XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Contacting the Equifax XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX  the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYNCB/JCP XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX has my credit card that is still inactivate and cant even change my text nbr and bank info at all. XXXX XXXX has wrong info. XXXX for cell phone was old. It was paid off in 2019. I owe nothing to XXXX. Because I closed the acct before I transferred to XXXX. XXXX charged me anyway even thought it was closed. 
Also, the XXXX loan takes my money every month on time. It is thru auto pay system. They take money themselves. They put wrong info on my credit and is hurting my credit. See screenshot of the auto pay. I also once called them that I d be late with the payment one time in XXXX. I CALLED THEM and they assured me that they d accept late payment. No payment was missing at all. 
XXXX loan still takes my money for the repair on the truck I no longer have. I no longer have the XXXX truck and they still take my money out. Fair? Nope. And I do pay thru auto pay. XXXX XXXX  has old info. And wrong info.

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 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I was a customer with XXXX XXXX until XX/XX/XXXX. When I terminated my contract, I asked to pay any remaining balance. After that conversation, I never heard from XXXX XXXX again. Then, on XX/XX/XXXX, I started getting XXXX calls a day every week day from a number my phone identified as spam. After a few days, I picked it up and asked why they kept calling me. They told me they were from AmSher Collections collecting on a XXXX XXXX debt and to give them my credit card number. I told them that I do not give out my credit card number for unspecified charges over the phone and asked them to send me a paper copy of the charges. The representative from AmSher told me they had mailed me a bill that week. She also said she would note in my file my intention to pay when I got the paper copy of the charges. I have never received a bill or anything from them in the mail and they continue to call me XXXX times a day, M-F. I thought this type of harassment was illegal. I have looked online and many have had identical experiences with this company -- constant calls and refusal to send out written correspondence or bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: VA

Complaint narrative:
NAVIENT, a servicer for Federal Student Loans, is currently demanding payments, including interest and fees, prior to the XX/XX/2022 expiration of the XXXX emergency relief for federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NC

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the XXXX creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited a check via the mobile app for {$5200.00}. The bank only recognized the {$250.00}, so that was deposited and it was short {$5000.00}. I called and filed a claim. They deposited the missing {$5000.00} into my account while they investigated the claim. On XX/XX/XXXX, the claim was denied and they took the money out of my account ( STOLE ) the {$5000.00} from me. There is a copy of the check through the mobile app and it is very clear that the initial deposit should have been for {$5200.00}. When I called Chase claims on XX/XX/XXXX, I had to call 4 times to finally get anywhere because the first XXXX calls were disconnected. The XXXX employee I spoke to was able to reopen the claim. I am complaining because at this point, Chase has stolen {$5000.00} from me. I also called the claims department at least XXXX times today to receive an update, and the call was blocked from getting through. Yet when I used my husbands phone to call, it went through with no issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: HI

Complaint narrative:
I closed my refinance in XXXX this year with Guaranteed Rate. My first payment on the new mortgage was in XXXX which I made in addition to several Principal payments. 
In early XXXX I received notice from Guaranteed Rate that my loan servicing will be transferred to PNC Bank, effective XX/XX/2021. The balance on my mortgage was {$320000.00} in early XXXX. As XXXX neared, I set up on-line access with PNC mortgage and saw that the balance information they had was incorrect. PNC had the mortgage balance at {$320000.00}. 
I called PNC on XX/XX/XXXX and spoke with a servicing person to let them know of the error and also emailed the servicing dept. the same information and documents I had to show the correct balance was {$320000.00}. PNC said they would research and resolve the matter. I waited a week but no word from PNC. I called them back in the second week of XXXX and they said they were still researching. They promised that they would get back to me in a matter of a few days, but I have not heard from them. I checked today on-line and they have not corrected the loan balance. My mortgage payment is coming due for XXXX and I hope this matter would get corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
They call almost daily and harass, Keep saying to give settlement offers but never hold up to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient keeps flagging my account as negative when the account shows discharged in Bankruptcy. Also it has been in forbearance and has been in forbearance since Covid XXXX. They need to stop flagging my account as late and messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
I have sent everything certified mail as well. 

This is all for Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX. 
Your agency is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 2. Neglect meant enablement of identity fraud. 3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance

Company response to consumer: Closed with explanation