vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: PA

Complaint narrative:
HELLO this collection company repeatedly contact me even when I have ask not to do so. The debt was unknowingly refer to collection with no prior duscuss or formal communication by the company XXXX. I also notice on the correspondence the amount of the debt is higher than reported on the credit report. Collection agency added fees. I never heard from XXXX or was advice of any debt till view in my credit report and a new collection agency took over. I repeated inform them to stop and they have ignore this request.

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 2020-06-02 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: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXXXXXX {$26000.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$200.00}

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 2020-06-02 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: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}

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 2020-06-02 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
National Credit Systems Refuses to remove an item off my credit report after I notified them of identity theft and fraud : I have also reported this with law enforcement and with the federal trade commission. I do not owe National Credit Systems and I am requesting that all information from national credit systems be blocked and or removed from my credit reports. 

This has directly impacted my job and living situation and I will be suing for damages if this is not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: MA

Complaint narrative:
Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number 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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent XXXX copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
My correct name is _____XXXX XXXX XXXX My correct address is ___XXXX XXXX XXXX , XXXX, Ga XXXX____. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my 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 2020-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc.
State: CA

Complaint narrative:
I received an Eligibility Notification in XXXX of 2020 from Arcus Va Mortgage. The notice mentioned no minimum credit score, up to {$5000.00} in escrow refund, no mortgage payment for two months, no appraisal needed, no money oit of pocket and no income or employment. The letter mentioned my rate could be as low as 2.75 %. I called in XX/XX/2020 and verified with the representative my eligibility and they said Yes, I was eligible and the benefits were..No Min Credit Score and verified the previous benefits. Once we applied they pulled our credit and stated that they could do 3.275 % .I agreed and signed documents. Two weeks later I get a call from XXXX the owner who says he can't do 3.275 % because guidelines changed and my husband score was too low. He said he can only do 3.8 % I agreed to that interest rate. I received an text message on XX/XX/XXXX stating that my loan was sent to underwriting and I would be skipping two months payments. I followed up the next two weeks and the representative text me back saying it would take 30 days due to covid for the loan process. I waited until the end of XXXX and I heard no response from several attempts to contact this company. Today. I received an email that states that my husbands score was too low. The problem I have is how long I waited to hear this after they told me no minimum credit score. Somoeone should stop this predatory practice. Stop scaming clients out of wasted time, money and emotional distress when you knew that you were not going to do the loan. This is bait and switch tactics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 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: MA

Complaint narrative:
Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number 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 2020-06-02 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: MA

Complaint narrative:
Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with Best Buy which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.

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 2020-06-02 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: MD

Complaint narrative:
I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.

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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2020 as this medical account has been paid for by my insurance/XXXX. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account, therefore a 2nd validation was sent out. On XX/XX/2020 my credit report was reviewed again and the discrepant account continues to reflect and has not been annotated as in dispute. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance/XXXX  and that all information is correct and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I never applied for these companies. I don't recognize these inquiries.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I never applied for these companies. I don't recognize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent a cease and desist letter to LVNV funding LLC and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX funding they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: AZ

Complaint narrative:
Debt collector calling on behalf of XXXX after I verbally requested cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by Capital One ). I was never told that the collection company would take 30 days as well as the creditor ( Capital One ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. Capital One sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from capital one stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at Capital one and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like Capital One to rectify the situation. 



Not admitting to the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: OH

Complaint narrative:
I sent a cease and desist letter to XXXX XXXX XXXX and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX XXXX they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA Corresponce Documentation of Fraud with the letters F R A U D on them ( XXXX - XXXX ) *TOTALS {$1.00}, XXXX THIS IS BASED ON USAA DOCUMENTATION OF FRAUD. NO USAA PERMANET CREDITS WERE PROVIDED. see attatched REVIEW OF YOUR CLAIM IS COMPLETE LETTER XX/XX/XXXX. No Fraudulent Activity Found After Review of Your Claim. USAA HOLDS CONSUMERS LIABLE FOR FRAUD. NO TIMELY FRAUD CREDITS EVER POSTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Contrary to Ms XXXX XXXX, the validation that was sent is a total joke and doesn't show ownership nor when the service was started, terminated, that myself actually signed an agreement for said alleged debt. 
The alleged validation is a screen grab that just shows columns of numbers but shows absolutely 0 of the aforementioned factors asked for above which pursuant to 15 USC 1692g I am within my rights to  ask for. 

Furthermore, to highlight the blatant dishonesty of this organization, I was told on XX/XX/XXXX that a verbal request wouldn't be honored and that I would need to submit a written dispute. I advised them per the FDCPA that, since notice was given I was going to being a validation of debt letter, they had to put all collection activities on hold for a period of 10 days. 

Now, the validation of debt package was sent via USPS Priority Mail on XX/XX/XXXX and was received by their office and signed for by a XXXX  XXXX on XX/XX/XXXX and they verbally acknowledged receipt of said package pursuant to the conversation I had with them on XX/XX/XXXX. 

Now, this office is flaunting the language of the FDCPA as well as skirting the Florida Consumer Credit protection act. I would advise that since I have proof that the validation of debt package has been sent and received by this organization that they follow the letter of the federal law and furnish to myself all requested and required documentation that would substantiate the legitimacy of this alleged debt. All collection activity is to not resume until such time as I have proof and my legal counsel can  look this over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
On XX/XX/2020, I was surprised to have opened my credit report and saw that Receivable Performance Management had placed an unknown account with the credit bureaus XXXX, XXXX  and XXXX. I have never receive a bill, a phone call or any statement of any kind from this collection agency. I called the collection agency and was able to confirm that they were not aware of my phone number, did not have my home address and was only aware of my email address.The agents even confirmed that they were not able to notify me of the debt. I asked to have the item to be deleted since it was not mine and was advised that they needed to submit a request to their manager and it could take 24 hours. I'm in the process of buying a home and this major error took my credit score down 25 points. I have cried on the phone called several times, been hung up and felt like I had to pay for something that was added to my credit report in error. They have dropped the ball and have failed to notify me of this debt, and due COVID-19 and other areas of horror I will sue them if it is not removed immediately. This company has violated my 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 explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report states that I have delinquent balances when I apply for credit but that isnt true it also say that I have a bad payment history and no revolving accounts everything they send out when I apply for credit is a lie because on there app and website it tells me something else

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