vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has a XXXX XXXX Credit Card that was opened XX/XX/2015 as paid but also showing that XXXX was written off. This old credit card was paid off in full and I have since obtained 2 other credit cards with XXXX XXXX. This amount was not written off and should only reflect as paid. Experian is the only credit bureau reporting this incorrect information.

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 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
The problem that I'm having with this company is that I cancelled services, paid everything and returned equipment to save money, time passes and when I look at my credit report I find out that there is an account in collections from them stating that I owe them money when I clearly remember making the last payment and returning the equipment, which they're not only charging me for money that I do not owe but they're also reflecting on my credit report which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

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 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
On or about XX/XX/2021 we received in the US Postal Service a written notification from Source RM. In it they claimed they were collecting debt of {$5800.00} on behalf of XXXX. We do not currently nor have we ever had an account with XXXX. Additionally, my last name was spelled XXXX, not XXXX, and there was an apartment number at our address but our home is a single family dwelling. 

On the same day we contacted Source RM at the number they gave to dispute the claim. When I discussed the incorrect spelling of my last name and the apartment number, they asked about an e-mail address attached to the account. The e-mail address was also not mine. They told us they would send out a fraud dispute package in the mail. 

On XX/XX/2021, we contacted Source RM to follow-up as we had not yet received the fraud package. They stated it had not yet been sent, the account was listed as in dispute, but they only have one person handling disputes and it may take longer to receive than 7-10 business days. They informed us we could dispute the claim directly on XXXX. 

One of the requirements of disputing a claim on XXXX is to provide a police report. On XX/XX/XXXX, a Pennsylvania State Trooper reviewed the letter from Source RM and informed us it appeared to be a fraud. He directed us to the consumer.ftc.gov to file a claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, failed to delete XXXX XXXX Bank account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report XXXX date of last activity because its coming from 1 Creditor.

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 2021-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, failed to delete XXXX XXXX XXXX  account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and Equifax is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Since XX/XX/2020 I have sent Navient Solutions LLC {$9700.00} towards my student loans as part of my repayment of the money I still owe for college loans taken out 12 years ago. I have struggled with making on-time payments in the past and have made sacrifices so that I could get my credit back and begin to pay them on time. I have found it troubling that with sending almost {$10000.00} to them, my balance never seems to lower. After looking at how my money is being used, only {$1900.00} has been applied to my principal balance. {$7700.00} since has been set aside to pay interest. 
I am reaching out to see if there is anything you can do to help bring some balance to this transaction. It is an absolute shame that this is allowed to happen and I'm sure I'm not the only person that is suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
I was allegedly accused of owing the amount of {$1000.00}, on XX/XX/XXXX. The name that the billing statement was made out to is not my name. I sent a debt validation letter on XX/XX/XXXX and I received medical records with the same incorrect name. I also never signed a HIPPA form authorizing them to have access to any medical information of mine. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I supposed to buy a ticket from spirit for my mom in XXXX, I look for the ticket to tell my mom how much shes gon na pay i was trying to put it on hold but they didnt have this option because i used to buy ticket on my visas i guess they charged the card without my authorization i didnt know that and i pay another ticket for her with a different card for the same day when i realized that i called XXXX  to get a refund from 1 of the ticket they didnt give me the money back, when i called Bank of America to disputed the transaction they did resolve it after i sent prove where i paid for the ticket from a different card but unfortunately after a month they took the money back this morning said it didnt resolve after 12 years with Bank of America im so disappointed and realized that they dont care about customer all they care about is money money money, im not wasting {$860.00} for something i didnt used i need help since they dont wan na resolved the issues with 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 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I received a letter from CBE Group in an attempt to collect an alleged debt without my authorized consent dated XXXX ( Breach of US Code 1692 ( a ) ). I also received a number of phone calls in efforts to collect an alleged debt on. the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021 without my prior consent ( Breach of of US Code 1692 a,, b, c, d, e, and f. 
I have since communicated with said company verbally via telephone and written via US registered MAIL # XXXX XXXX XXXX XXXX XXXX sent XX/XX/2021 about their Unfair Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As of XX/XX/2021, Experian, XXXX and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX Experian - 2 late payments XXXX  - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX Experian - 3 late payments XXXX  - 1 late payment XXXX XXXX - late payment XXXX XXXX XXXX XXXX  # XXXX Experian XXXX 5 late payments XXXX - 2 late payments XXXX XXXX XXXX 1 late payment

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 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back

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 2021-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Total Auto Finance
State: VA

Complaint narrative:
I purchased my vehicle, with a pre-approved loan from XXXX XXXX XXXX, from Total Auto Finance in XXXX, Virginia. I tried to set up my account so I could make my payment online, it kept kicking me out. I called Total Auto Finance to discuss the issue, and they informed me that my account was with XXXX and that is who I should be making my payments to. So, I got in touch with XXXX, made my first payment on XX/XX/21, for {$340.00}, it wasn't due till XX/XX/21. I received a phone call from Total Auto Finance on XX/XX/21, stating my payment was late. I explained to them what they had told me originally, sent them the confirmation email I received from XXXX, everything was fine. So I thought. My next payment, I paid to XXXX on XX/XX/21, for the amount of {$340.00}, the day it was due. On XX/XX/21, I received a phone call from Total Auto Finance stating they were going to repossess my vehicle if I didn't make a payment to them. Again, I explained to them what they had originally told me in the beginning. I sent them the confirmation email I received from XXXX. I spoke with someone from XXXX that evening, and they said that Total Auto Finance had purchased the account from them, and any correspondence going forward regarding my account had to be made to them, Total Auto Finance. I had been trying to contact Total Auto Finance through email, phone calls, and text messages, trying to find out what my new account number was, so I could set everything up and make my payment online. They finally called me back yesterday, to tell me to just call them and they could do everything over the phone. I really don't want to do it over the phone, because, at this point, I really have zero trust in this company in their abilities. 
Today, XX/XX/21, I received a threatening email stating that my insurance on the vehicle had expired, and that was cause for the vehicle to be repossessed. I contacted XXXX XXXX to verify my insurance was still active, and they assured me it was. I just made a payment on XX/XX/21 in the amount of {$180.00}. I sent Total Auto Finance the confirmation email from XXXX XXXX regarding this payment. 
Total Auto Finance seems to have a real strong desire to repossess my vehicle. I feel the harassment I am receiving is completely unwarranted and unnecessary. Total Auto Finance seems to be a very unprofessional organization. The only emails I receive are threatening to take my vehicle. 
There is no telling how many other customers they have repossessed vehicles from due to their incompetence. If I mess up on my end, that is one thing, but I will not be treated this way due to the ineptness of their records keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX # 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 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Since my crytocurrency accounts for XXXX, XXXX, and Coinbase were all hacked in XX/XX/2021. My currencies were stolen and redirected to an unknown hacker. More than $ 100,000+ could have been profited if the theft did not occur. I've made a police theft report and provided the reference number to all three crytocurrency platforms. I've been trying since XX/XX/2021 to regain access to my three accounts. I've sent all required documents/information that these companies headquarters that were requested, and now all accounts are locked. I've sent a copy of my XXXX, DL, and made a LIVE VIDEO with me holding my ID as instructed by these companies in verifying my identity. On XX/XX/2021, I made a faithful attempt to recover/regain access to my account, in which I drove over 32 hours to XXXX XXXX, CA with hopes of speaking with someone directly. Although, XXXX address look-up locations provide you with a address & phone number of each company headquarters, but unfortunately, all three companies headquarters are only empty buildings and mailbox locations. I took several pictures as proof for my records of the locations for XXXX, Coinbase & XXXX  that I visited during my trip. As of today, I've been unsuccessful on gaining and reclaiming my accounts. It is important that I claim my funds, so that I can secure the things that I had originally plan. I would appreciate your assistance in this matter as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$3000.00}, {$2800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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:
Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX XXXX multiple ), XXXX XXXX ( multiple ), XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit 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