vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Hello, I had my car refinanced through XX/XX/XXXXback in late XXXX. In early XXXX, a payoff check was sent by XXXX and XXXX ( new lender ) to Bridgecrest to payoff my loan. Bridgecrest received the check on XX/XX/XXXX. XXXX and XXXX noted they had the wrong amount sent on XX/XX/XXXX, so they reissued a new check with the correct amount and put a stop payment on the 1st check. Bridgecrest received the 2nd check and proceeded to sit on the check until XX/XX/XXXX when they finally attempted to cash it over a month after receipt. XXXX and XXXX sent a 3rd check that was received on XXXX XXXX by Bridgecrest. That to this day, Bridgecrest has failed to apply to my account. During this time, I was not notified that the checks weren't cashed. As I received an update on my credit report on XX/XX/XXXX. That stated my Bridgecrest account had been closed. However, on XX/XX/XXXX around XXXX, I received a call from Bridgecrest stating that they needed to speak to the new lender due to the checks having some issues and they wanted me the customer to contact the new lender for them. I obviously was unable to speak to anyone at XXXX  or XXXX  due to the time I initially received the call. I suggested to XXXX that, they normally make contact with the lenders with regards to checks and that has nothing to do with me so I advised they continue to try to contact XXXX  or XXXX. On XX/XX/XXXX, my vehicle was repossessed without warning. When I spoke to Bridgecrest they stated it was due to lack of payment, which made no sense as I hadn't been notified that my vehicle was at risk of repossession. I think made several attempts on XX/XX/XXXX and XXXX to resolve the situation with XXXX along with XXXX involved in the matter with no avail. As Bridgecrest, constantly was stalling telling me that there was no one that could verify the check being received back in XX/XX/XXXX, yet I was never given an option to speak to anyone who had knowledge on fixing the situation. I was constantly referred to having to " wait '' until a manager can resolve the issue. However, here I am 9 days since the repossession and no further along in getting a clear understanding from Bridgecrest. The only thing I'm told it's my fault to keep the account current, which has no standing since the account was closed on XX/XX/XXXX, but yet reopened by Bridgecrest. This company received a payout 3 months ago and this issue is still not resolved. Bridgecrest is without a doubt the most incompetent and fraud ridden finance company in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/2016, I applied for a semester of college with XXXX. I did not choose to go ahead with attending. XXXX took my student loan money even though I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AZ

Complaint narrative:
THIS BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1000.00}

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have written to the company asking them for the forms I have signed for the " Loan '' they claim I took out. They send me blank forms with no writing, no signature or other identifying information. I now have a Fraud alert on my account for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: IL

Complaint narrative:
On XX/XX/XXXX my account was charged off and it was also charged off XXXX XXXX in XXXX and also XXXX XXXX of this year. I made payments caught up and was current as of XX/XX/XXXX XXXX XXXX XXXX never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.

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 2021-07-15 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: MoneyLion Inc.
State: PA

Complaint narrative:
For the 2nd straight month MoneyLion has reported my account as 30+ days late, last month MoneyLion admitted that they made a mistake and reported inaccurate information to both XXXX  and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( XXXX  and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AZ

Complaint narrative:
THIS BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!

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 2021-07-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian responded to my complaint " Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed ''. 

I XXXX XXXX born XX/XX/XXXX give permission to Experian, and I authorize Experian to proceed with my claim of Identity theft.

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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I called Convergent Outsourcing numerous times about a collection account that they have placed on my file. Originally, the account was removed because they couldn't verify it but now it is back. It is for a Utility Bill in Florida. I have never resided in Florida, furthermore when I spoke to someone at XXXX XXXX I was advised that the account was opened but they never got a copy of my ID. This is defamation of character and using scare tactics to attempt to force me to pay a debt I do not own. I even supplied them with notarized information stating that the debt does not belong to me but they continue to report it on my credit report. 

Account number listed on report : 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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It's been over 30 days and I have yet to receive a 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 non-monetary relief
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
The issue that I am reporting is about an incorrect description on the mortgage note. My wife and I own 2 investment properties in XXXX, FL and we want to sell one of the houses that is mortgage free but the bank LoanDepot incorrectly recorded the entry with the wrong house. This mistake is preventing us from selling the house. 

I reported the problem to LoanDepot on XX/XX/2021 through their portal, and I have followed up on the issue by calling their customer service line several times and also through their online portal only to be told that they are going to look into it. It is already XX/XX/2021 and they have not corrected the issue. 

I also asked for a letter from the bank stating that LoanDepot had made a mistake, that they would fix the problem, and that LoanDepot does not have any financial interest on the property that we want to sell. We have not received the letter yet. If we get this letter from the bank, we would be able to sell the house. 

This issue has been going close to 3 months and LoanDepot has not corrected the problem. We need to sell the house. I desperately need your assistance in resolving this issue. 

We are providing a copy of the mortgage note that contains the incorrect description in the last page. Copies of proposed taxes for each house that contains the correct description. Copy of the portal log showing when the issue was first reported and the correspondence that has taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TX

Complaint narrative:
Just received debt validation from company that verified the agency is trying to extort for double the amount. This needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
1.ASKING ALL " LATE '' MARKS BE REMOVED AS " GOODWILL GESTURE '' DUE TO SERIOUS ILLNESS ALL REPORTED 30 60 & 90 LATE MARKS BE REMOVED AT ONCE FROM ALL MAJOR CREDIT BUREAUS OR 2. PROVIDE ME ALL SIGNED DOCUMENTATION ASSOCIATED WITH CLOSED ACCOUNT # XXXX FOR VERIFICATION IF UNABLE TO PROVIDE TO VERIFY ENTIRELY REMOVE COMPLETE ACCOUNT FROM ALL MAJOR CREDIT BUREAUS UNDER 609 ARTICLES FAIR REPORTING ACT. 

CLOSED ACCOUNT ENDING IN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian said " they need authorization to proceed with my compliant ''. So I XXXX XXXX give permission to Experian and authorization to Experian to continue with my complaint of identity theft.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. XXXX  response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me. 

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. XXXX  " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone. 

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account. 

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus. 

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting. 

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls. 

I live and have lived in XXXX, Tx and not the address XXXX has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.

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 2021-07-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, BLAKELY WITT & ASSOC. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, BLAKELY WITT & ASSOC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: PA

Complaint narrative:
For the 2nd straight month XXXX has reported my account as 30+ days late, last month XXXX admitted that they made a mistake and reported inaccurate information to both Transunion and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( transunion and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate 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 non-monetary relief