vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2021-07-01 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
I got a copy of my XXXX Credit report and noticed a false inquiry for a alleged loan application, I did NOT do this and the company said they are only a third party agency to file with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/2021 around XXXX XXXX., a Navient Advocate called. This is in regards to a prior Consumer Financial Protection Bureau complaint made on XX/XX/2021 around XXXX XXXX. This is reference number XXXX. I spoke to a male Navient Rep several days prior and the man said " IT TAKES 15-20 DAYS FOR AN IBR REQUEST TO BE RECEIVED BY NAVIENT. '' On XX/XX/2021, the Navient Advocate DENIED full acknowledgment of a document called IBR_Validations.JPG was sent to her through my complaint. I stated, " you received a document that validates that I indeed and in fact, filled out AN APPLICATION for the IBR. My complaint is because the Navient Advocate DIDN'T EVEN LOOK AT THE DOCUMENTS SENT TO HER. The Navient Advocate stated, " There may be a document in my pile for that, but I didn't look at it. '' The Navient Advocate continues to state, " It doesn't matter, I didn't get the form. '' I told her to call me back when she can speak the truth. If I didn't fill out an IBR request form, why would I be on the https : studentaid.gov/app/repayment.action website page? How would I get an image snapshot to provide to the Consumer Financial Protection Burea if I didn't fill out the form? My complaint is that the Navient Advocate didn't even look at the provided documents and take my complaint seriously. She wouldn't accept or acknowledge that I did and indeed and in fact, fill out the IRB request form on the student.gov website application page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: IA

Complaint narrative:
Calvary SPV I, LLC has contacted my sister through email on numerous occasions. These emails are not case sensitive and give out my personal debt information. It states to disregard if they are not XXXX. However, it goes on to show my account number, and the amount they state I owe. I am currently paying off a different debt from the same company, which they have refused to merge the accounts together. Before I was able to make payments on that account, they had started to contact my grandmother asking for my information, telling her about my debt and even asking if she would make a payment on my behalf. Additionally, in 2015 this company has threatened to take legal action to garnish my wages. Ive been making payments on another account with the same company. I would like them to stop contacting my family regarding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MD

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

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

11. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.

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 2021-07-01 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: OH

Complaint narrative:
I am not liable for this debt with XXXX and I do not have a contract with MOUNTAIN RUN SOLUTIONS plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$780.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XX/XX/2021 I disputed more than several accounts via mail with XXXX. At the time of dispute several were removed without resistance leaving me with one collection account on credit report. Collection account XXXX of {$1400.00} was claimed to be verified through investigation as being my debt within same month of XXXX. I returned reply asking how did they verify account an for investigation reports verifying it was I. XXXX  in turn replied I must send a address verification with documents verifying my identity because I wrote them from a different address because I initially wrote them from a XXXX XXXX in which I was discharged on XX/XX/2021. But I followed instructions to theyre reply an sent documents. When I followed up in reference to them receiving documents theyre claim was they never received the documents an I can not have access to investigative reports or anything that verify the account as being mine and the collection will not be removed. This has been a back an forth for months now. Today XX/XX/2021 I wrote a hand written letter an sent it certified with return receipt to collection agency ARS Account Resolution of XXXX Fl  for account XXXX. Ive asked them as I did XXXX to send investigative documents verifying the account is mine or remove it in the allotted time if they can not. Now Im filing a report with ConsumerFinance.Gov. 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 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
I have a large medical balance with XXXX XXXX XXXX. When I tried to set up a payment plan, they wanted a $ XXXX payment, which is impossible for me to make. I have, however, made a payment to them every month for the last 10 months ( since I got the bill ). They however sent my acct to collection because it is not a $ XXXX payment. The collection agency calls me all the time. Telephone # XXXX. They never leave a message, if i answer they hang up, etc. I just received a call at my workplace from a XXXX XXXX, who refused to identify herself except as XXXX to the secretary. I have told her under no uncertain terms, she is not to call my work #. She says she is allowed to unless I tell her not to, which she has now been told. I find it absolutely unbelievable that an acct that has never gone 30 days without a payment ( and some as often as every 2 weeks ) has been sent to collection, let alone an acct that has monthly payments on it, allows this woman to contact my workplace!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citibank AAdvantage credit card was cancelled by Citibank in XX/XX/XXXX, for the stated reason : " Canceled at Customer Request ''. I made no such request, and I only became aware of this through my credit report. The card had been active since XXXX and the payment record was excellent. Due to mail forwarding to my temporary address, a replacement card was not be delivered. I initiated a request in late XXXX or in XX/XX/XXXX for another replacement card to be mailed to the correct address. It also never arrived. The only activity on the card over the last year+ ( due to my inability to receive a valid replacement card ), was the {$50.00} annual fee, which I last remitted in XX/XX/XXXX. 

I filed a dispute with a credit reporting agency concerning this. It was " resolved '', merely restating the account was closed at customer request. Today, XX/XX/XXXX, I contacted Citibank for resolution. That was unsuccessful. I was informed that their " system '' would not allow them to reopen the account, and that I could apply for a new card. 

This seems grossly unfair to me for four reasons. First, I never received a valid replacement card despite my request for such, and their assurance I would receive it. Second, the status of the account, i.e. " Canceled at Customer Request '', is inaccurate. I never made such a request. Third, XXXX month after they canceled my account, I received notice that my annual fee was due, causing me to pay an annual fee for a card I was unable to use for more than a year ( their inability to provide a valid replacement card ), and which had already been canceled without my knowledge a month prior to paying the annual fee. Fourth, opening a new account, as the representative suggested, would mean the loss of over 20 years of credit history for this card.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Per XXXX contract and attached documents, as instructed we returned our phone equipment in the trackable mailer provided by the company. Attached proof tracking confirms they received it. they did not credit our account but rather shipped our account to a collection agency called I.c Systems who states they received the deb to collect from XXXX and they can not discuss anything with us other than payment in full. 
Several attempts to discuss with the original company but they refuse to discuss receipt of their equpment as shown in the attached tracking document. This false debt is now listed on my credit report. Furhtermore despite the young age of the report, immediately after I filed a complaint with Transunion, I.c Systems reported the debt as " charged off '' and will now not engage. The company is I.c. Systems. I.c. Systems is the collection agency for XXXX. I.c. Systems is reporting {$1000.00}. Each piece of equipment returned was promised as a XXXX.credit toward our end bill = XXXX total credit. If credited I would owe XXXX not the credit company amount of XXXX. The debt reported is incorrect. My credit score is being dmaged from this inaccurate collection activity / report AND I dont even have the equipment I returned!

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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My FICO score dropped out of the blue when contacted Equifax their validation systems shows some account allegedly opened on XXXX and XX/XX/XXXX even when I froze my credit with all unions on XXXX. 

Contacted all the companies listed within Equifax questionnaire and all of them said i didn't have any outstanding debts with them. 

On the other hand I have only one credit card that I keep below XXXX out of XXXX and will pay off that amount soon. 

Equifax is deliberately hurting my score and my chances to increase my credit and get employment by having to pay fees and deposits for utilities and rentals which is basically an strategy to keep me poor. Even when I pay all my accounts religiously. rental, food and services all paid in full and yet this is not enough for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CARVANT FINANCIAL LLC
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
After reviewing a copy of my credit report and I realize that as a consumer Caine & Weiner are violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.

Company response to consumer: Closed with explanation