vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: WY

Complaint narrative:
This debt onXX/XX/2019 for {$63.00} is not mine. I do not know where this comes from and kindly request that this be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: NY

Complaint narrative:
After submitting a written dispute letter challenging XXXX Transunion XXXX inaccurate reporting of my consumer credit report. Their are still Accounts that appears to be reported as verified and updated. However, these accounts are still unrecognizable by me. I not saying that they are fraudulent but I just don't recognize these accounts. Please see attachments. 

XXXX  XXXX XXXX - I am challenging this account because it is unknown and I do not recognize the original creditor. Please remove Account effective immediately XXXX  XXXX XXXX XXXX This Account I do not recognize and is ( unknown ) please remove Account at once.

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 2019-12-30 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
I wrote a letter to Equifax Information Services LLC dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Equifax refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Equifax conducted a thorough investigation because the information is not provided by the XXXX XXXX XXXX and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Equifax dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Equifax Information Services LLC so this erroneous information shall be deleted from my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MI

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX the recorded Beneficiary of Security Instrument XXXX will not communicate with me. I want to know if they are the true Holder of the NOTE on my property at XXXX XXXX XXXX, XXXX XXXX, CA? 

If so I would like them to grant a Power of Attorney to Select Portfolio Servicing Inc. so they can sign the property over to me in a Quit Claim Deed, therefore also granting and recording a Full Reconveyance of my mortgage under Deed of Trust APN # XXXX, Security Instrument XXXX and recorded as XXXX. 

The mortgage has been discharged, liquidated and no longer reporting to credit Bureaus. 

I am a XXXX veteran and up hold my rights as a US Citizen to have my request fulfilled without further delay or stalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/19 at XXXX my wallet was stolen from my purse at an after hour spot by who me and friends had to share a section with. According to witnesses XXXX friends ) a week later due to me being in intoxicated he followed me to the ATM ( i did not know he was behind me whole time ) he watched me put my pin code in and Then at some point plotted to steal my wallet with my chase debit card and was successful. At that time my friends didnt think nothing of it since they said they thought he was going to get a bottle as well. He took my wallet out of my purse without my knowledge i called chase as soon as i noticed my wallet and phone missing and an alert that said my account was low {$19.00} he took out almost XXXX XXXX to be exact at different ATMs including my own banks atm he also made {$1000.00} cash back at XXXX. Chase took my statement to file a claim. Chase then denies my XXXX claim first then told me the Reversal would be back on my card in XXXX hours then they said by the XXXX so it came back on my card on the XXXX. On the XXXX my claim got denied for XXXX total and that when i called crying saying what else do i need to do the prove this is wasnt me they said go get a police report so i got that then they said they need more poof so chase told me which XXXX he pulled money from and i went and the security at XXXX showed me a picture of the guy who used my card and it was the guy i was setting next to at the club and who followed me to the atm wearing the same XXXX hoodie. Chase then says they want a written statement from XXXX Im dude i was a picture!!! So i went back to XXXX to ask them what do i need to do to get a statement from them they said they need a police officer there to do that so i called one a sheriff came XXXX mins later but he told me since i file a police report with XXXX i would need XXXX to come then i called XXXX again to send a police XXXX not sheriff they said they not coming and that chase is doing to much a police report should work and Im like omg it wont apparently!!! So after XXXX hours of dealing with this i went to the bank right after and told me what happened at XXXX the guy called chase and said they will reconsider my claim and to wait but they took the money back so here i am now. I want to close my account this chase. If it was me who took my own money who would i file a whole police report on myself and waste everyones time because they could easily find out who did this in which they did i have proof!!!!! At this point chase just doesnt want to pay me the money that was taken from me even though its no ones fault but still i didnt tell this guy to follow me Im only XXXX and hes XXXX he can stand over me and see my pin code. I just want my money back i saved that money and i thought i could trust my bank which is why i put the money in my bank instead of leaving it in my shoe box i regret that so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
I wrote a letter to TransUnion Consumer Solutions dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. TransUnion refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that TransUnion conducted a thorough investigation because the information is not provided by the Sacramento Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to TransUnion dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate TransUnion Consumer Services so this erroneous information shall be deleted from my TransUnion credit report. 

Thank you, XXXX 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 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I recently filed an identity theft report with XXXX   in XXXX of 2019. XXXX  is still showing collection accounts from multiple collection agencies. The collection agencies are IC system ( original creditor : XXXX XXXX XXXX XXXX ) for {$720.00}, XXXX XXXX ( original creditor : University XXXX XXXX of ) for {$78.00}, XXXX XXXXy ( original creditor : City of XXXX XXXX ) for {$840.00}, XXXX rec ( original creditor : XXXX XXXX   XXXX ) for {$710.00}, and XXXX XXXX ( original creditor : XXXX XXXX XXXX ) for {$200.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to 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 2019-12-30 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: CA

Complaint narrative:
I wrote a letter to Experian dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Experian refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Experian conducted a thorough investigation because the information is not provided by the XXXX Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Experian dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Experian so this erroneous information shall be deleted from my Experian credit report. 

Thank you, XXXX 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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-30 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: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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