vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I spoke with a representative stating that she would reduce the past due charge of {$20.00} leaving a balance of {$18.00}. On the above date I forwarded a check # XXXX in the amount of {$18.00} and was assured the account would be closed. Today, I received a statement dated XX/XX/2022 showing a balance of {$44.00} with a past due amount of {$5.00} and total due of {$25.00}. Either this company is incompetent or they are trying to scam.

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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
I received a notice of a debt collection dated XX/XX/21. On XX/XX/21 I sent a letter acknowledging the debt with a check for {$51.00} for the first payment. I advised them that I would pay no less than {$25.00} per month which I have the records to prove that I have each month since. They continue to call me every few days and I have told them to stop calling me. I tried blocking the phone numbers from calling me but they have multiple lines, so the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have made sure to make my payments on time for AMEX XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Trying to collect on a debt that does not belong to me. jj marshall & associates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX  they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. 


Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
I did not authorize these inquiries from mortgage companies. I only inquired about rates and they ran my report without my approval. 

XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had not received my replacement Bloomindales credit cards. I am signed up for automatic balance notifications from Bloomingdales credit card and on Monday XX/XX/XXXX received an email from Bloomingdales credit card that I had a balance of {$710.00}. I immediately called and reported that I had not received the card and reported fraudulent charges. On XX/XX/XXXX another fraudulent charge in the amount of {$580.00} was posted to my account despite having reported the card missing and the XXXX fraud. Bloomindales Credit Card sent me a letter today XX/XX/XXXX stating they completed their investigation and found that an authorized user on my account ( XXXX XXXX ) authorized the charges which were made at a XXXX store on XXXX XXXX in XXXX. XXXX XXXX did not make the charges since I had not received the replacement cards. I will not pay Bloomingdales for fraudulent charges and requested that they send me 1 ) proof that they validated the ID for the alledged XXXX XXXX, which if did occur had to be fake ID and 2 ) signature proof that XXXX XXXX signed for the purchases. Again I will not pay for these fraudulent charges and would like the balances removed from my account

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
Keep getting text messages from Tate & Kirlin Associate that I owe money. 
To vist XXXX They text me from XXXX Replied STOP but they still send texts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act EASTERNACCOS XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
Received Email we were included in the the Santander XXXX. When settled spoke to the settlement company vehicle was Charged off and was told would have title within 30-90 days. hadnt received any other information contacted santander and they are now back peddling wanting me to pay almost XXXX in order to get the title mind you the vehicle has been charged off after over a year now with no attempt for them to pick up or repo the vehicle, now that I contacted them about title, they are saying they didnt include us in the settlement and want to get the vehicle now { we qualified all over the board to be included and were ). mind you we had received the lawsuit emali, talked to the settlement team over the phone. now all of a sudden we arent. SantanderXXXX is doing everything they can to people that were included and now arent ive seen this numerous times now with not just us but others have posted on the internet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-15 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I ask for a payoff quote I signed a shared Modifications in XXXX no in XXXX is another company and they are sayings I was not eligible for the modifications never received a letter saying I was in default they even wrote the debt off in XXXX it was ocwen now they are saying That I was late for month but one payment want to the principal and 10 years later now I was never elegible, but not one letter was sent to me, and that now is principle non interest, that not on the modifications, and why Im I still making dosificacin payment, please all this is not right,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I have made sure to make my payments on time for MERCEDES BENZ FINANCIA XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I have tried and tried with all three credit bureau XXXX, XXXX and XXXX to remove the late payments from Select Portfolio. The late payments needed to be removed from my credit. I never got one statement at and was XXXX  XXXX XXXXXXXX. They mailed all the statements to Florida resident XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by 9 dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove select portfolio from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue select portfolio. I have tried to call select portfolio to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation