vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've talked to the finance manager named XXXX at XXXX XXXX verbally at first. All he did was apologize and did nothing to correct it. XXXX XXXX   Ran my credit over 15 different times to various auto finance companies without my permission. I came to their dealership by appointment and with an offer letter and pre-approval from XXXX XXXX already.

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 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I have never done business with this company. This company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have numerous transactions on my Chase debit card that I disputed. Outpost promised me if I pay {$250.00} that I could get a full refund because my mother died of XXXX. They will not return ALL my money and I paid 6 months in advance in XXXX. Chase bank is giving me the run around. So now Visa is getting involved. Also XXXX- Outpost partner company lied on me because they had a charge disputed. Chase now is removing {$760.00} from my account saying that the merchant paid me. They admitted that they lied because they wanted to get their fees back after I nicely resubmitted payment. I'm XXXX and on XXXX they are stealing from me and SSA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MA

Complaint narrative:
Unverified and Unauthorized on my credit report, I've been disputing with this account for 2 months however they refuse to remove it and now I'm coming to you guys to resolve this problem. It should be a fair resolution to this issue, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have never done business with this company. This company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
8 Months after receiving medical care, I received a debt collection notice out of no where from Rash Curtis Associates indicating I failed to pay {$1000.00} to XXXX XXXX. I never received a bill from the hospital stating I owed any monies, and my insurance company, XXXX XXXX, confirmed all cost due was paid to XXXX XXXX as contracted on my behalf. The initial letter had no itemized detail. I have since requested and received information that does not add up, and a call to the agency did not help explain how they are deriving the amount due. 

Rash Curtis has reported delinquency to credit agencies, negatively impacting my ability to continue my bank credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
Received a call on XX/XX/2020 @ XXXX pacific standard time. 

Annoying robocalls midday during work hours. Leaves message on phone with only few words left saying go to our website XXXX. Message doesn't disclose how to pay or pin number ( which is apparently required ). Never received any mail or such stating I owed any debt. I received one other call at roughly the same time on another day some time ago as well.

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 2020-07-14 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.

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 2020-07-14 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:
XXXX XXXX XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient. When they became Sallie mae, I had many issues as far as interest rate. I would woukd get charged interest on loans that had 0 balance and to consolidate my loas put me so behind that I got charge more interest than the loan. Also I had issues with devry adding loans without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I Have use MoneyGram plenty of time send money to family members in XXXX. All the time they stop my payments and make me call them to verify where the funds are coming from. They profile me and they are XXXX towards XXXX. Ask where I get my money, when, how and what I do for a living. 

They are harassing me and abusing their authority with me asking all this questions very confidential and not necessary. Will get my lawyer to sue them for harassing. They take their fee all the time and not giving it back. I have sent in total of {$5600.00} of fees with MoneyGram. 

Tell them to STOP HARASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This account is incomplete. there is no phone number for the furnisher. please delete this account from 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 2020-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
Thank you for taking time to read my complaint. XX/XX/XXXX I was in a bad spot and didn't have any time to get my credit in a better place before purchasing a new vehicle. I was pretty much left with no choice but to have a high interest rate loan with SKOPOS Financial. I purchased a XXXX XXXX XXXX with XXXX XXXX miles on it. The interest rate is a daunting 23.99 %. From the very beginning of the loan I had a hard time paying it seeing as though the loan was {$540.00} per month. A few times I got behind and although the company allowed me to add 3 payments to the back of my loan I just can't afford it. I had plans to refinance the loan to get a lower interest rate but I couldn't because the late payments kept my credit score down. I started working diligently on my credit XXXX of XXXX and that's when I started doing extensive research into my automobile loan and I realized that over the last 2 1/2 years I have paid {$11000.00} to this {$20000.00} auto loan and of that {$11000.00}, only {$1300.00} has been applied to the principal amount. {$10000.00} has been applied to the interest. According to my online account I still owe {$15000.00} in interest on top of still owing {$18000.00} on the principal balance. I have spoken with quite a few agents at SKOPOS and no one can seem to help me somehow get out of this loan. I have tried multiple times. I went as far as trying to go through XXXX XXXX and my Credit Union to refinance the loan. The car is currently worth only {$6500.00}. I've taken it to about 9 different car dealerships to try to get from under this loan with no luck. No one will take on the negative equity. It was suggested to me to voluntarily give my car back and try to hurry and find something before it shows up on my credit report. I am at a stage in my life where I am diligently working on my credit and I don't want to ruin my credit by going about this the wrong way. I need help getting away from this company. I take full responsibility for having a few late payments. I am correcting my mistakes. At this rate I will NEVER finish paying off this auto loan.

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 2020-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The above account is incomplete. There is no phone number for the data furnisher. Please delete this account from 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 2020-07-14 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: United Consumer Finance, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.

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 2020-07-14 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.

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 2020-07-14 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I believe my ex may have been the person to open the account without my knowledge but I do not have any definitive proof ; just my suspicions. Those suspicions have been reported to the XXXX Police Department Cyber Crimes unit as I believe the account was opened online. The collection company contacted me in XXXX and stated there was a collection account in their office. At that time I advised the agent that is impossible as I haven't had T-Mobile phone service since I was employed with the company and expressly stated to the agent if there was an account that bore my name in collections in their office it needs to be investigated immediately for fraud because I have had service with XXXX for years now. The agent ended the call explaining that she would send it back to the company ( XXXX ) for proof or additional documents to be used to validate the account but it was not. However, it was placed on my credit report. After noticing collection on my credit report I immediately called the collection company ; not only could they not explain why this account was recorded on my credit report which is a direct violation of Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Im trying to link my PNC bank account to my investment account for transfer the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AZ

Complaint narrative:
I have been a victim of identity theft.

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: LA

Complaint narrative:
On the date XX/XX/2020 my Louisiana unemployment benefits claim was approved for that week but my card unemployment debit card was received after my claim was approved. I activated the debit card but I still have not gotten my benefits for the week XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I have no knowledge of the above account. Please delete from my credit reports.

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 2020-07-14 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: AZ

Complaint narrative:
I have been a victim of identity theft.

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 2020-07-14 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: AZ

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGE XXXX I have no knowledge of the above account. Please delete from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Identify theft. Fraudulent account. Never agreed or opened a loan or had knowledge of said loan that was opened in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
Unable to link XXXX to external accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
There are phones added to my account that I did not authorize. I have called XXXX on several occasions to fix the problem but XXXX failed to comply.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation