vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 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: NV

Complaint narrative:
These are not my accounts. please remove 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 2020-02-23 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: NV

Complaint narrative:
These are not my accounts. please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

XXXX XXXX XXXX XXXX AND SANTANDER CONSUMER FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I checked my credit report on XXXX  for the first time in years cause they couldn't prove it was me until I sent copies of identity cards SSI card, pay check stubs and I didn't have any time to get it done, well theres a debit collection agency that has been calling me all these years about medical bills and if I don't pay by the date i would end up in court and paying like a crazy amount for court cost and lawyers fees and double the amount, well I wasn't even able to get to any doctors or hospitals for treatment cause around those dayes i was XXXX, and they won't stop updated it on my credit report, and other things are going on to like unknown companies are running credit inquires for credit and it was not me, i do have the proof that I was a victim of identity theft and I was incarcerated at that time to, I didn't know til I was released an got back into my email account and it was to late to show the court the pain and suffering i went through to try to get credit, that was done and now these medical bills are popping up on on my credit report bull city Financial Solutions XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a private student loan with XXXX XXXX XXXX XXXX XXXX and this company updated my XXXX  and XXXX  payment status to CURRENT and PAYS AS AGREES. However, when I spoke with the original creditor or XXXX XXXX XXXX XXXX XXXX, my account manager explained that they sent electronic notification to XXXX, XXXX, and Equifax on XX/XX/2020 to update my account status to CURRENT and PAYS AS AGREES. I advised her that XXXX  and XXXX  did update my record accurately, but Equifax has NOT updated my records at all. I have previously provided Equifax with two letters disputing the late payments regarding the XXXX XXXX XXXX XXXX XXXX account and they refuse to do so. 

I asked my account manager to provide me a copy of the notification they sent to all three bureaus dated XX/XX/2020. I have attached a copy of my email communication regarding this concern with XXXX XXXX XXXX XXXX XXXX. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caneel Capital, LLC
State: IL

Complaint narrative:
Recently received a letter from my mortgage company XXXX, saying that Trinity Financial Services LLC is attempting to authorize themselves on our mortgage account. I didnt know what this company was and started looking into it. I found that they filed a foreclosure against us as too. I never heard of this company before and never applied or gotten any loans from them. I havent received any communications before them filling the case either or even the service of lawsuit. I filed a police report and sent Trinity Financial cease and desist letter from attempting to access my information that they are not entitled to. Today I received another letter from XXXX  that another request for third party authorization was sent to them by Trinity Financial Services again. It seems that this company has my private information and is using it for fraudulent purpose. It seems that they are ignoring all the rules and continuing to attempt to get the information. In summer of 2019 I had some charges assessed on my XXXX  mortgage account. When I called them to ask about it, they told me that it was the charge for the payoff. I have never ordered the payoff. I have requested a copy of it. The form that XXXX  sent me had a phone number listed under the requestor. When I searched that number, it came back as the number registered to Trinity Financial Services. This company seems to employ illegal methods to steal my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: NY

Complaint narrative:
This complaint is in regards to a Violation the the FCRA as well as the FDCPA.. For Portfolio Recovery Associates constantly , with out regard, and my many attempt to get this problem cleared. Continues to reports debt illegally without verify the alleged debts. The two accounts which I've disputed starting back in XX/XX/2019 with PRA. ( XXXX XXXX Acct # XXXX, Amount {$450.00}, ), ( XXXX  XXXX Acct # XXXX, Amount {$430.00} ) .Requesting them to provide me with validation. However, to date they continue to send me a bill print out. As if that's substantial evidence of debt owed by me. They haven't provided any other proofs I requested in my initial letters, as well as subsequent letters requesting obligation to pay and a contract that I signed or gave authorization to someone else. They're committing fraud by attributing debts that don't belong to me and continue to do it without providing me with sufficient proof. This is a complete violations on my consumer rights under the FCRA and the FDCPA. Please investigate this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Transunion, and XXXX  has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're  scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.

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 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
I was enrolled in a free trial for Google play  pass, and when I chose to terminate it I was not reimbursed for the remaining play points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX, and XXXX has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, and Experian has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're  scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.

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 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The dispute was completed on XX/XX/2020 with XXXX XXXX which has 2 accounts on my credit. Trans Union is saying that XXXX XXXX is accurate but did not give me a statement as to why this is accurate. When I contacted the companies such XXXX XXXX XXXX and XXXX XXXX they were unable to locate those accounts. Please have them remove from my credit file.

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 2020-02-23 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: NC

Complaint narrative:
My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.

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 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
Friday XX/XX/XXXX, I transferred {$740.00} to my cash app credit card, updated my bank card and banking account number and immediately after, my account became locked due to " unusual activity ''. The steps the cash app asked me to take was to email XXXX which I have Numerous times and the only response I have gotten is to allow 24 hours for them to unlock my account. It's now going on 48 hours with NO resolution. They have no phone number to contact them other than a directional phone number on how to use the cash app ... the app has {$570.00} hostage and the app won't allow me to use it! I am unable to send any more messages to the email address provided by the company because they say I've sent too many. PLEASE HELP! The website is a scam and I just want my money so that I can get off that app for good!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
I was received bills from COAST TO COAST FINANCIAL SOLUTIONS, account number : XXXX, Re : XXXX   XXXX XXXX, Total due : {$20.00}, and the letter told me If I don't pay that amount they will sent me to collection and the will be effective on my credit score. 
I want to fill this claim because I did not know why I owe them {$20.00}. I want to explain I need get XXXX XXXX   every 3-4 months because i had XXXX XXXX in my body, Every time I came to XXXX XXXX office I had to pay my copay {$20.00} that amout is base on my Insurance before I was get a XXXX XXXX .If I don't pay co-payment they never do XXXX XXXX for me. 

Another thing I want to fill this claim because i don't want they sent bills to their clients with small money on bill like that with no explaining why, I think too many people they don't remember they paid or not, they don't want get trouble and they sent money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.

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 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.

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 2020-02-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
According to my accounting software and a review of all my statements reveal that I have had a total of XXXX in debits since the account was opened and a total of XXXX in credits. This would leave a balance of XXXX in my account as of XX/XX/2020. 

However, my current balance shows a balance of XXXX, a discrepancy of - XXXX. 

I have requested an account audit, however, Citi is unable to provide this. 

Please assist.

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 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX for the amount of {$1300.00}, and XXXX XXXX-XXXX   XXXX  Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection  agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation.

I have also sent letters to all three bureaus twice disputing this same 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 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
FFAM Account # XXXX Claimed amount : XXXX Notice came on XX/XX/XXXX. 

FFAM claims I owe debt to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. I initiated a charge back against XXXX for renting a poor quality vehicle in early XX/XX/XXXX. Apparently XXXX turned the charge back over this debt collection agency. I have contacted XXXX but have not heard back. I am disputing the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: GA

Complaint narrative:
I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed. 

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.

Company response to consumer: Closed with explanation