vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have a debt on my credit that shouldn't have never been added to my report first if all its covid you r not suppose to report anything to credit reports sec of all I have things on here that r not mine I reached out several times no response I want this off my credit immediately XX/XX/2020 it was reported and the name of company is Caine and wiener never did any type of business with these ppl and the debt is for XXXX please look into this and remove it also I'm showing I have XXXX credit cards that r open in my name I have zero credit cards in my name i had 1 card and it's now closed i believe this to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
In XX/XX/2019 i opened a new account with XXXX XXXX XXXX XXXX for cell phone service i took the phones back and cancelled service with them before my 14 day trial period was over. They actuallys till owe me sales tax and downpayment back that they never refunded. I have fought and fought them and still trying to collect on something i dont have or set up. 

The representative said this would be taken care of and removed from my credit reports but it still shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Per a credit report I received in XX/XX/2020, there were opened credit cards and addresses that were fraudulently attached to my social security number. I reported this to Equifax and major creditors and have a fraud alert placed on my account. I have filed a few disputes on the account, but not all has been adjusted. I need these taken off of my credit score so I can be adjusted to where my true score should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I was shocked when reviewing my credit report in regards to a late payment reported in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I get numerous calls from all kinds of scam companies for a debit that was satisfied in 2011 by the original debtor. The one today was a different name than yesterday but the same story. It is a robocall stating that there are multiple infractions against my name and that they are going to take legal action against me unless I settle with them. This time I pressed 1 to talk to someone to tell them they are in the wrong and the person who picked up the line said nothing about being a debt collector. They then said that I already spoke to someone, I did not, and told me to, " get off my XXXX line. '' They then hung up. The number that called me was most likely spoofed but it is, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
Transunion is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-01-13 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
check n go charged off my account 2017, was sold to debt collector. XXXX CLAIMS State of NM CASE # XXXX are going to sue me, claims they are attorney, Calls 30 times a day from unknown number and XXXX, XXXX, i recently disputed error in credit report which gives them notice to stop calls and provide me with documents loan is them Check N go, asked them to remove my employer number at work which they said they can not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to use the Venmo service but received the message After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/20. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 
Venmo will not tell me what transactions or activities I took part in were considered concerns. I believe I am being discriminated against without explicit explanation of what activities cause XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am having a very difficult time with SPS. I went through XXXX treatment in 2020 and had to stay home because of COVID and treatment. SPS placed my on a forbearance with the CARES Act. SPS then wanted me to apply for a modification to resolve the missed payments. SPS declined my modification and approved me for a repayment plan. As I told SPS I have new medical expenses because of XXXX and can not afford a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I switched phone services on from XXXX XXXX XXXX to XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to cancel my services. 
I received an invoice from XXXX XXXX XXXX for the full monthly total and called XXXX XXXX XXXX on XX/XX/XXXX and spoke with both XXXX and XXXX and someone was to call me back. Nobody called me back to discuss. 
I called again on XX/XX/XXXX and had another conversation for 1 hour and 7 minutes. I first spoke with XXXX at XXXX XXXX XXXX for 29 mixtures until she transferred me to the " combined filing specialist '' XXXX. Ticket # XXXX, Badge # XXXX and XXXX agreed with my assessment that I did not owe the amount indicated but a manager would have to call me back. Nobody called me. 
I know I owe something for the service from XXXX but XXXX XXXX XXXX keeps trying to charge me for the full month. I am not under contract. XXXX XXXX XXXX will also not honor my initial cancellation request on XX/XX/XXXX because they said they have no record. However, I have proof that my service changed, as I have explained to them. I can not control what XXXX XXXX XXXX records when I call them. I am happy to pay what I owe but I am not paying what I do not owe. 
XXXX XXXX XXXX has now told me twice that someone would call me back to discuss and nobody has and instead they turn me over to a collection agency, Credence Resource Management, without trying to resolve or fix their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Per Department of Education guidelines I am entitled to a refund of all money paid towards my student loan after XX/XX/XXXX of 2020 due to the pandemic and laws passed to all lenders and borrowers which suspended payments. I continued to pay unaware of this and while out of work due to the pandemic. I am still unemployed. I have requested a refund of {$650.00} that is badly needed yet Nelnet continues to give me the run around for the past 6 weeks or more. They have removed all payments made to my account for {$650.00} but have not refunded it to me. They have stated they would but not for 8 weeks with no reasons why. The money must be refunded immediately per the Department of Education in the same manner paid which was ACH draft from my savings account. They are refusing to do this as well and want to send me a check. I am not waiting 2 months for a check especially since money has already been removed from my Nelnet account. I have grown tired of their poor customer service and suspect lending practices. Now they are holding my money hostage. It's enough. Their customer service staff are rude, inconsistent and not handling this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I was shocked when reviewing my credit report in regards to a late payment reported for Shellpoint account # XXXX in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
I have a collection account with united Resource System. The original creditor is XXXX XXXX XXXX XXXX. This was brought to my attention XX/XX/2020. I have always paid them at time of visit and have no problem making my payments to them. The amount is very small {$62.00} and would not have had an issue paying them. I never received any info regarding this bill. This is drastically impacting my credit and ability to purchase a home and a vehicle in the near future. The company will not help me with this unfair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: ND

Complaint narrative:
I have submitted a police report and dispute to Equifax on XX/XX/2021 via fax which Equifax received and was confirmed via phone conversation with representative. I am disputing the following inquiries 1. XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX. I was told it would take 30 days to dispute but according to the FCRA 605B this type of matter should take a maximum of 4 days. I am demanding the inquiries be removed from my credit report immediately as it has already been 8 days since I've submitted my information and dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently attempted to open an account with XXXX XXXX and they alerted me that i was in the Early Warning Services and I was denied to be apart of their credit union. But when I contacted Early Warning Services. They told me on the phone they dont know why they said that and they can only provide me with a Report and then I can only dispute anything i find inaccurate on the report. They were suppose to Email me and Mail me the report. I have not received any email or mail from them. XXXX provided me with detials and even a client inquiry number. However Early Warning Services told me they dont use any Client Inquiry numbers and they dont know why XXXX told me that. The letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2020 I received a phone call that a charge of {$4600.00} of had been made to my Discover Card ending in XXXX. I did not make this charge. Contacted Discover - requested cancellation of this charge and cancellation o card ending in XXXX - requested a new card. Checked my profile with Discover online - changes, unknown, to me had been made to my account. Corrected these changes. I was told this charge would be reviewed and I would be issued a new card. Rec 'd a new card ending in XXXX about 5 days later - {$4600.00} charge was still on the new card account. 
Contacted Discover - was told that they had rec 'd a call telling them that this charge was valid - I did not make a call stating this charge was valid. 
I have been receiving calls from Discover every week to 10 days requesting payment. I have denied payment. They recommended I file a report with my local law enforcement agency - My XXXX address is outside of the city limits so I am filing with the XXXX County Sheriffs Office..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 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: NY

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX Reported : XX/XX/2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation