vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.

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 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: TX

Complaint narrative:
I have no clue what this debt is for and I did not do any business with your company. Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: GA

Complaint narrative:
there is incorrect information on our 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 2021-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there is incorrect information on our 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 2021-08-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
i tried to clear the problems but they could do it even i filed bankruptcy more than two years and the amount incorrect i like to get of from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation of my privacy rights.

List Date:XXXX Amount : {$540.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance {$1400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX -Contacted company and credit bureau , no response XXXX XXXX XXXX XXXXXX/XX/XXXX -Contacted company and credit bureau , no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-08-23 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I opened a Venmo account a friend sent me money I tried to link my XXXX accounts to the Venmo account and it will not work I sent numerous emails to get my money and no one can help me I was told the system is " Automated '' and there is no way to help me except to send the money back to the person that sent it. 
I am not on talking terms anymore with the sender and they will keep my money if I send it back. 
I asked for a check to be sent in the mail. They refused. 
They said I could send the money to my debit card. I tried and the system would no link it,. 
I spoke to a supervisor and they said there is not way for me to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has failed to answer each Fact stated in the Affidavit of Truth they received from me in XX/XX/2021. I never stated I wanted an Affidavit of Truth from Wells Fargo. And I never stated that the Invoice was for violations of the Cease to Desist. The Invoice is for violations in the account that is being reported to the credit bureaus. Please see all documentation previously mailed to you by certified mail on XX/XX/2021 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 2021-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unknown inquiry reporting on my Credit Report : XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX CAVALRY PORTFOLIO SERV ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Cavalry Portfolio Services LLC for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXXXXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
This is a written notice to XXXX XXXX who acts as CEO of JPMorgan Chase and XXXX XXXX XXXX, Co-CEO of JPMorgan Chase that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents of the use of my information. My right to privacy has been dishonored. I demand all payments, and money be returned by check, I also demand the cancelation of any contract with you, and everything stated above mailed to the address of XXXX XXXX in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reported a credit freeze with XXXX a few years ago. I was surprised when I applied for a new mobile phone to find that all three credit reporting agencies had a freeze on my account. I have been able to successfully remove the freeze from XXXX  and XXXX 

However, Experian 's process has put me into an endless loop. No matter what option I try, their phone number will not let me speak to an agent and sends me to their website. When I enter my information into their website, it gives me this error : Security freeze error Attention! 
We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXX I am completely at a loss how to fix this issue, and feel this is a deceptive business practice.

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 2021-08-23 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:
Asked the 3 credit beaurows to validate my negative accounts and never received validation from them on any accounts

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 2021-08-23 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: WI

Complaint narrative:
Asked the 3 credit beaurows to validate my negative accounts and never received validation from them on any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I used a promotional check offer from Barclays Card ( XXXX XXXX XXXX ) in the amount of {$3000.00}. I still have the letter and the other two unused checks. 

The date the check ( cashed was XX/XX/XXXX. The date the charge posted to my account was XXXX. 

The terms of the promotional check : 0 % APR through the last billing cycle that ends on or after XX/XX/XXXX. After the promo period ends, the standard APR for balance transfers will be charged. 

Balance Transfer must post to your account by XX/XX/XXXX for promo APR to apply. 

Fee is {$5.00} or 4 % of the amount of each transactions, which ever is great, for transctions that post to account by XX/XX/XXXX. 

I was charged {$150.00} for the fee. 

The {$3000.00} was posted to my account at 24.99 % the standard balance transfer rate.

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 2021-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
In late XXXX, I discovered by myself that the XXXX payment for my loan had not been paid. I was never contacted about non-payment throughout XXXX, I had no idea until I had checked my bank balance. The company seem to make no effort to contact me about the missed payment. 

Later, I contacted their representative as soon as I found out. I was told on the phone so long as I submitted a payment with the amount due, and the amount that was coming due that I would receive no penalty or have it show up on my Credit Report. 

Come a few months later when looking to purchase a new home and I was reported for a non-payment. I contacted thier help center and they were not able to fix the issue. So I took their advice and messaged them on their website to get the same response. 

I'm not looking for a lot, I am looking to get my credit for non-payment resolved as was told they would do.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
XXXX XXXXXXXX discharged toll violation fees to a debt collector firm of Linebarger Goggan Blair & Sampson, LLP. I filed and mailed in a dispute form to XXXX XXXX XXXX claiming the debt was not owed by me because I do not own a XXXX XXXX XXXX that was seen violating tolls at their plaza. The temp plates I received from buying a vehicle was duplicated and illegally linked to my name & address. The debt is not mine and I have obtain an investigation report from NJ MVC Business Licensing Bureau proving my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MINE XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Phone number not available Auto Loan XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXXXXXX XXXX ( XXXX ) XXXX Debt Buyer U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Bank failed to pay by home owners insurance resulting in my policy cancelation. They claimed to have mailed a check on XX/XX/XXXX, for a bill due on XX/XX/XXXX. My home owner 's insurance never received the payment and I was called on XX/XX/XXXX, stating my policy was terminated for lack of payment. This has happened last year with my flood and home owners insurance. I was able to reinstate my policy by paying on my credit card, including fee 's. I called Ally Bank and asked that they cancel the check they sent to prevent double payment. They said they were sorry for the problem and were issuing a second check to my insurance company, which they said was their policy. I offered to send them a copy of my paid insurance and they would not stop the process. After questioning, they said they had already sent the second check ( mailed ) on XX/XX/XXXX, which also was not received by my insurance company. I asked for their manager to call me, so I can stop any additional payments and their manager stated the mistake was a result of a routing number error, which doesnt align with the previous statement that it was mailed. Routing numbers are not required if they are mailed. They said they will try a third and additional attempt until they can make the payment, in which case I will be out an additional {$2200.00}, as I already paid the policy. 
My Complaints are : 1. Ally Bank consistantly makes escrow payments late. I can only conclude this is part of their business plan to maximize their profits on escrow funds. Im sure there are many consumers facing the same problem. 
2. Ally Bank sent me an official statement claiming and subtracting insurance payment from my escrow account when they knew the payment was not paid. mailing the payment is not payment. This is fraud, and sending fraudulent claims via offical US Postal service. 
3. From a personal perspective, I've paid money into my escrow monthly, without delay, and had to pay my insurance out of pocket, with fee 's. I don't have an extra {$2200.00} laying around, and I have no pathway to getting it either refunded, or credited back to my escrow.

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 2021-08-23 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: Credit Plus Inc
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2019 This is not mine. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation