vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to CHRYSLER CAPITAL with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX Actions taking credit bureau is taking longer than 30 days.

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 2021-03-20 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: NE

Complaint narrative:
Holiday in vacation club has been reporting missed payments for a timeshare loan that I am not on nor responsible for on my Experian credit report. This is my parents loan. I have sent them a debt verification letter and have not received a response in over 30 days.

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 2021-03-20 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
i paid a collection account off in full to my dentist, unknown to me the outstanding account was sent to STATE RECOVERY SYSTEM in XXXX XXXX, Ca. My Dentist, XXXX XXXX XXXX of XXXX, Ca called to advise them I had paid my account in full and to please remove account from CREDIT BUREAUS.. 
This collection company XXXX the ( the actual owner ), blatantly refused to do so, stating they were not paid directly, so forget it. He even VERBALLY THREATENED my XXXX which even suprised my XXXX 
My name is XXXX XXXX, I have a PAID RECEIPT under XXXX XXXX of XXXX, California. I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
MY PRIVACY RIGHTS HAVE BEEN VIOLATED THIS COMPANY IS IN VIOLATION OF HIPPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: LJ Ross Associates
State: IL

Complaint narrative:
6 accounts is the collection I need be removed from my account is bloke my life please

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 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been dealing with CMRE Financial Services for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, CMRE has infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to CMRE that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

You will also notice in the screen shots i have submitted from my XXXX Report that CMRE has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.

THE PICTURES I HAVE UPLOADED HAVE ALL THE INFORMATION YOU WILL NEED TO HELP ME PUT WITH THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have received a letter from Portfolio recovery stating about a refund on an old debt on XX/XX/2021 that was cancelled out by creditor XXXX  XXXX and already have paid taxes on the 1099-c a few years ago. The next day i was alerted to the debt on my credit report on XX/XX/2021 which was completely out of nowhere stating I owed the full amount again as if they reaged it. I tried contacting them but no avail and I cant find anything for an account number on my old debt account of this false derogatory debt owed. the only thing that portfolio have provided was a refund check i never received and it was not an attempt to collect a debt but its on my credit reports? the only thing I can find on it was a charge off that was just recently been placed on my report instead of it being on there when the charge off first happened? why wait almost 4 years to magically place this back on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: VA

Complaint narrative:
I disputed several accounts with XXXX and Transunion but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but XXXX and Transunion refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXX  I never had a XXXX XXXX XXXX  credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on 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 2021-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one bank, falsely advertising through a notice that to remove the secondary account holder, i only had to call the number that appeared in the ad. which i have tried many times, and the results has been negative. after 2 years separted and divorced ... ..now my ex husband recived child support from a court to remove money in my account { im the primary holder } the order was for XXXX. i was trying for the last 2 years to remove him from the account. but for some reason the bank not let me do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent a dispute to Equifax on XX/XX/XXXX and again one XX/XX/XXXX - no response. I filled a complaint # XXXX in XXXX but was rejected. I sent a notarized Affidavit of Fact on XX/XX/XXXX. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, in written, or any other way to list these items on my credit report or credit file. Dispute letters, CFPB Letters, and Affidavit of Fact along with Exhibits will be included in the files that was sent previously with no response from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
On XX/XX/2021, I initiated a wire transfer of {$30000.00} from my Gemini account to my externally linked XXXX XXXX account. It was noted by an automated message from Gemini that my funds would clear within one business day. Up to this date, XX/XX/2021, the transaction still has not cleared with my bank account nor has this been bounced back to my Gemini account. The money simply is shown as withdrawn.

I have attempted to reach Gemini multiple times on the following dates, but still have not heard back from an actual representative from the company. I have only received automated responses with little to no details. 

XXXX XXXX ( request through Customer Service website ) XXXX XXXX ( email to XXXX XXXX XXXX XXXX ( request through Customer Service website XXXX XXXX XXXX ( XXXX Gemini-support and Gemini XXXX XXXX XXXX XXXX XXXX email to XXXX ) -XXXX XXXX ( email to XXXX ) -XXXX XXXX ( request through Customer Service website ) -XXXX XXXXXXXX ( XXXX XXXX XXXX ) -XXXX XXXXXXXX ( email to XXXX ) I have reached out to my bank, XXXX XXXX multiple times and they have noted that they can not review the transaction on their end since nothing ever came through. I have yet to receive information from Gemini.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle Mortgage , Inc. failed to apply our mortgage payment for XX/XX/XXXX from the prior mortgage company that we paid in XX/XX/XXXX. The prior company already transferred all payments to Dovenmuehle before the transfer happened. We've been in contact with both the prior company and Dovenmuehle since XX/XX/XXXX and this issue is still not resolved. Dovenmuehle keeps sending debt collection calls on us when we've already made our payment on time ( back in XX/XX/XXXX for the XX/XX/XXXX payment ). We've made multiple phone calls to Dovenmuehle, trying to resolve the issue since XX/XX/XXXX and Dovenmuehle still has not applied our payment back to our account. It is now end of XX/XX/XXXX and our mortgage has already been sold to a third mortgage company as of XX/XX/XXXX. Now, the new mortgage company is saying we're late for our payment, because our first payment was never transferred from Dovenmuehle. We're very frustrated because we did our part to make our payment on-time in XX/XX/XXXX for the XX/XX/XXXX payment after our house was refinanced to the first bank. Just because our loan was being transferred to Dovenmuehle, Dovenmuehle somehow failed to take the payment and applied to our monthly mortgage payment. It is sitting in their suspense account and none of the people we talked to was able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: AZ

Complaint narrative:
Received a letter in XXXX 2021 from Valentine and Kebartas stating they were asked to assist in collecting an alleged debt owed. I sent a cease and desist letter by certified mail to Valentine and Kebartas on XX/XX/21 and I received notification it was delivered to them on XX/XX/21. On XX/XX/21 I received another letter in the mail from Valentine and Kebartas dated XX/XX/21, 4 days after my cease and desist letter was received. This company clearly does not know what a cease and desist letter means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from CBE group even though it was said it was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I traded in my XXXX XXXX to XXXX XXXX of XXXX XXXX, MI in XX/XX/XXXX. They requested a payoff from Exeter and issued a check and I recieved my new vehicle. For some odd reason 2 years later my credit is being terrorized with 30 & 120 Day lates. Each time Ive called them they admitted to the mistake and said it would be corrected in 30 days to no avail. They have damaged my credit profile and reputation. Each time I've attempted to dispute it via Credit Reporting Agencies it comes back as accurate. 

This is my last attempt at resolve before taking legal matters into my own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
In XXXX of 2018 I visited XXXX XXXX XXXX XXXX and provided all copies of my insurance at the visit. Due to error on their end Ive been charged a debt that should have been covered by insurance.

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 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX EST, I made a 14 minute and 34 second phone call to Portfolio Recovery Solutions. I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.

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 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
My social security number was used by someone else in XXXX of 2014 to open this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX XXXX, and TransUnion. 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.

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 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX Equifax, and XXXX 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from XXXX XXXX even though it was said it was taken care of.

Company response to consumer: Closed with explanation