vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

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 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MS SERVICES LLC
State: CO

Complaint narrative:
I had disputed with this company several times. I first asked for validation of the debt and they sent me the debt information from XXXX XXXX XXXX XXXX for the amount of {$200.00}. I was a former customer with XXXX XXXX XXXX XXXX. I then sent them a certified mail for pay for delete to dispute the debt and they completely ignored me!! This debt does really hurt on my credit report!! I need them to help me dispute this them and not being rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: I.C. System, Inc.
State: MI

Complaint narrative:
I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois IC Systems - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN

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 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I had made a recall request to the Kraken in order to recall transfers that I inadvertently made to a fraudulent merchant. 

The details of the transfers are as follows : Digital Exchange Amount Digital Currency Transfer Date Kraken XXXX Lumen XLM XX/XX/2019 at XXXX XXXX Kraken XXXX Bitcoin XBT XX/XX/2019 at XXXX XXXX I was apparently a victim of an Internet-fraud committed by a person hidden behind the web-platform for trading financial regulated tools XXXX or similar. On first place, I was misled by the merchant that 1 ) they are entitled to trade regulated financial tools ; 2 ) they are keeping my money in segregated financial accounts ; 3 ) Im participating in real-time trading ; 4 ) the addresses and contact details on the web-page are really related to an existing broker. Most, if not all, of these facts and circumstances are falling within the scope of the regular XXXX/XXXX-check-ups that diligent banks should do according to the applicable law. I was instructed by the Merchant to wire funds to Kraken and after that to the merchant. In such cases all financial institutions should not have allowed transactions to happen, if they are possibly related to fraud and/or money laundering. On second place, I have tried to resolve the issue by contacting Kraken and demanding reversal of all transactions made to the beneficiary, merchant and any third parties hidden behind XXXX platform. Unfortunately, the Kraken responded they were unable to assist further due to different regulatory obstacles.

I informed the Kraken about the fraud and the money laundering that happened to me. But they didn't help me at all. 
I believe that the Kraken is associated with this fraud and money laundering.Therefore, I kindly ask you after consideration of all facts on the case briefly summarized above to : 1 )  Check the observance of the XXXXand XXXXobligationsof Kraken in the case of the disputed transactions in light of the restriction to process payments possibly related to fraud ; and 2 ) To instruct Kraken to reverse all disputed transactions with regard to the payments specified  in the letter provided to the bank on my behalf.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: AFNI INC.
State: MI

Complaint narrative:
I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, Florida Afni - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: ERC
State: MI

Complaint narrative:
I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


Enhanced Recovery Company - XXXX XXXX XXXX XXXX XXXX, Florida XXXX - XXXX XXXX  XXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: FL

Complaint narrative:
After reviewing my annual credit report I noticed that LVNV Funding LLC appears on my consumer credit report with inaccurate and Unverifiable information. I've sent the company several validation request but yet the company has refused to completely validate this debt as required by federal law. A violation of FCRA rules section 1681 and Violations of FDCPA section 809b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I had an account go into collections over 2 years ago and recently it now on my credit report as an open account and missed payments are being marked and the balance for the account is increasing, I did not give permission and had no knowledge of it be reopened. My credit score is constantly going down now because of payment history and missed payments Saying I am 180 days passed due from this account that was placed for collections on XX/XX/2018. My reasons ; one it resets the life of the account/debt so takes longer to age off credit, it holds the consumer back not able to open new accounts/credit due to credit score and payment history, Old debt looks like new debt. Hurts consumers credit making it almost impossible to raise credit score without paying off old debt. It makes consumer feel pressured, harassed, held back, oppressed, and unable to succeed. Some jobs like the one I am going to be applying to after I finish XXXX XXXX  in 6 months check credit scores therefore making it harder to get a job that would help me pay off debts that I may owe.

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 2020-07-25 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: AES/PHEAA
State: MI

Complaint narrative:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one. 


All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off. 

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
At the beginning of XXXX I believe Discover card decided after a customer service call to place my account on review without any reason, no late payments, no return payments, never over credit limit and never paid late. after almost two years they requested tax returns for 2017 which i refused Stating it was intrusive behavior for a {$400.00} credit limit account. Then after closing my account they started the same process with my Husbands account. I truly believe that this is pure and simple discrimination due to the fact that this all started happening right after a conversation I had with a service Representative were I identified my XXXX XXXX. Systematically they attacked me affected my credit and ended a relationship that had zero derogatory issues. I believe the are a company that discriminates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: MI

Complaint narrative:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. 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 2020-07-25 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: MI

Complaint narrative:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: MI

Complaint narrative:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. 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 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Loans are paid off, not in collection.

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 2020-07-25 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: MI

Complaint narrative:
Loans are paid off, not in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Loans are paid off, not in collection.

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 2020-07-25 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX XXXX XXXX   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 2020-07-25 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: IL

Complaint narrative:
Im trynna connect earnin to my bank for the loan and it wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
BAYVIEW Loan Servicing LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX FL XXXX. On XXXX XX/XX/2020 we received a letter that we applied for a " forbearance plan '' due to COVD. We never applied for this program. The letter dated XXXX XX/XX/2020, stipulates that we were required to contact the loan servicing company by XXXX XX/XX/2020. Which is more than strange, we believe what BAYVIEW has done is illegal. BAYVIEW is the new mortgage company that XXXX XXXX   transferred the servicing of our mortgage to after filing for Chapter XXXX bankruptcy earlier this year. Yes, We were behind but have since then caught up with our monthly mortgage payments. We contacted BAYVIEW customer service and were advised to ignore this letter, regardless, we NEVER requested to be placed on the forbearance plan due to COVD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/2020 BoA closed my account from XXXX and took my money in the account. There was no warning no reason they STOLE our money and we have gotten no reply. If it was so easy to take it then it should be easier to give it back with repercussions. This has effected my credit score inability to pay bills my house, I am now downsized to a smaller rental my sanity

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 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
My XXXX  XXXX card was closed 2 years ago and written off. I have been receiving credit drops, because XXXX XXXX sells the account to PORTFOLIO RECOVERY. XXXX  XXXX sold it for collections XX/XX/2020. I have zero knowledge of this report and it has dropped my points tremendously, Ive tried contacting the PORTFOLIO RECOVERY, but its takes weeks to get an response. Im hoping you can get this removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CA

Complaint narrative:
I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX XXXXXXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXXXXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.

Company response to consumer: Closed with explanation