vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life.

I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consolidated Management Group, LLC
State: MO

Complaint narrative:
The company sold my debt to another company who has hired a recovery agent who has called family members did not gave any info who he is was threatening with arresting me etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I am requesting the correction of a 30 day late on my credit report. As always, we sent a check as payment for XX/XX/2020. It showed that the check was received on XX/XX/2020, and the funds were withdrawn from my bank account on XX/XX/XXXX, please see attached. 

See attached copy of the check and bank statement. I am NOT SURE WHY the check was returned after it was cashed, and I believe its a bank error on your part. 

The check was cashed on XX/XX/XXXX, and as you can see there were plenty of FUNDS in the bank account for the check to clear. I was also enrolled in a forbearance plan, and despite being on forbearance I continued to make timely payments. 

XXXX XXXX failed to reach out to me to inform me that it was returning the payment. I have never been late on this loan, and this late was assessed to your company error. I am requesting an expedient correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ACCOUNT RESOLUTION SERVICES was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. ARS ACCOUNT RESOLUTION SERVICES was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. ARS ACCOUNT RESOLUTION SERVICES also had to prove that my PHI was not disclosed without my authorization by furnishing an authorization release of information about any services or payment made or due if they did not render any XXXX XXXX to myself. ARS ACCOUNT RESOLUTION SERVICES did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.

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 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
SANTANDER CONSUMER USA was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. SANTANDER CONSUMER USA was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX XXXX, TX XXXX delivered XX/XX/XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course by furnishing the original contract that I rightfully requested per Texas Administration Code Title 22 Part 22 Chapter 501 Subchapter C ( a ) ( 1 ), to send me the accounting and True Bill not a statement, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus and {$10000.00} per month following dishonor in 30 days as required by law. SANTANDER CONSUMER USA did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2020 I received an automated email ( attached ) from PayPal stating that I had authorized a transaction to XXXX  XXXX  in the amount of {$1200.00}. Because I knew I did NOT authorize this transaction, I immediately called PayPal in which I wasnt able to get through so I attempted to submit a dispute through their Resolution Center which was also unsuccessful because the payment was still pending. I initiated contact with PayPal through their messaging system in which I have told them several times I did not authorize this transaction. With no success through PayPal I contacted my bank to stop payment on this transaction. In addition, I changed my PayPal password and removed all credit/debit cards ( notification attached ) linked so it wouldnt happen again. I wasnt able to remove my bank account or report the unauthorized transaction through PayPal until the transaction was complete. As soon as the transaction was  complete I submitted a dispute through PayPal Resolution Center. I have since made several attempts to contact PayPal via the phone and have messaged them using their messaging system all of which have been unsuccessful. I received notification PayPal has concluded that this was an authorized transaction ( email attached ) I dont have a XXXX XXXX account, I never have, I have also never made a XXXX XXXX payment ever, so I am unsure why they wouldnt believe me when I say I did not authorize this payment. I have also tried to dispute it with XXXX XXXX but they said they need a phone number associated with the transaction and of course I dont have that, all I have is the information I received through email when the unauthorized transaction was made. In addition, on XX/XX/2020, I received an email ( attached ) stating there was suspicious activity on my account and my account was suspended. Another reason I dont understand why they conclude that the transaction was authorized. PayPal has emailed me several times reminding me I have a negative balance on my account and that they will soon report, if they havent already, to my credit report. I have called the collection department in which they conveniently answer the phone but say they can not assist me with disputing the transaction, they can only assist with collecting payment. I have good credit and dont want to ruin it for unauthorized transaction through PayPal. I would also like to deactivate my account as I will never use PayPal again after the terrible service I have received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. 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 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portafolio Recovery Assocaites, LLC. Is calling me and send me statements for an account that I did not open and does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner. 


In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help. 


We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake. 
Sincerely, XXXX XXXX and 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 2020-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: MN

Complaint narrative:
UDAAP Violation : I told them when originally signing up that I needed a loan that I could pay every other week automatically. They said that they can do that, per my loan officer. After I got approved, it was found out that I could NOT. I contacted them again saying I no longer wanted the loan and that they deceived me ( all of this MUST be on their recorded lines ). They had a manager call me and tell me " Oh, well, you can still make those bi-weekly payments, but you have to wait for the statement to arrive in your email '' [ FYI-never received ] " ... and then once that shows up, you have to contact us to make two payments every month. '' Not only was I misled into thinking I could pay it every other week, I have to call them just to make my payments. Additionally, I found out it costs money to pay them directly. This is a complete scam. Fast forward a couple years, they put the debt into " Write Off as P & L '' status, which I understand ruined my credit. Couple months later, they are putting it into collections. Now, I have VERY aggressive people asking me if I can pay them {$570.00} minimum or I will have to go through bankruptcy. This is XXXX XXXX in MN. Debt Collection Company. This whole thing is backwards. I know this is a Deceptive practice and I did pay this for about a year, but they also wrote it off on my credit report as P & L -- now they are collecting. The company did not help me. I need help and the collection agency just wants to berate me for money in a demeaning way. It is dehumanizing and unethical, not to mention the whole thing was caused by one man who told me I could pay bi-weekly and then the company made it nearly impossible for me to do so! What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE  BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern : On XX/XX/2020, I completely paid off Bank of America credit card account through an online payment, called in confirmed with agent of bank of america that entire balance was paid off. Bank of America then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by Bank of America, I called and verified online that the entire bill was paid, Bank of America closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as bank of america confirmed account was paid. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-08-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX 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