vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, XXXX and Equifax still is reporting it as such as if it was a revolving credit. Equifax is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and XXXX  and Equifax through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, Experian and XXXX still is reporting it as such as if it was a revolving credit. XXXX is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and Experian and XXXX through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, RMP SERVICES LLC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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:
XX/XX/XXXX Equifax said they verified the accuracy of 2 medical bills placed by : XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX bill amount for {$170.00} from XX/XX/XXXX and is now showing collection of {$320.00} due. I have the statement. 

XXXX  XXXX for XXXX XXXX XXXX XXXX bill amount {$180.00} from XX/XX/XXXX and is now showing collection of {$270.00} due. I have the statement. 

I have offered XXXX XXXX  XXXX ID No. XXXX issue XX/XX/XXXX to supplement my XXXX insurance payments. 

Also my student loans are reporting inaccurately and have refused to be reinvestigated. XXXX XXXX and XXXX are paid as agreed, never late XXXX  and XXXX XXXX Student Loan Forgiveness from the Department of Education Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/2020 i sent a person money through my bank account and a zelle payment only to later find out that the person i sent the money to was a scam and the bank would not refund the payment. I have filed a Police Report and still awaiting the next step but the money was never returned from the person or my bank. I sent XXXX from my XXXX  XXXX checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dodge Enterprises Inc.
State: FL

Complaint narrative:
The company involved is Dodge Enterprises Inc . The website is www.dodgeenterpriseinc.com/index.htm. The email contact is XXXX and XXXX. The phone number is XXXX XXXX XXXX XXXX and the fax number is XXXX XXXX XXXX XXXX. The mailing address is XXXX. XXXX XXXX XXXX, FL XXXX. 
The matter involved a judgment that ended up in an unfair wage garnishment. This company agreed in writing in 2015 to settle a {$15000.00} debt for {$1000.00}. In 2015 I offered to settle the debt for {$500.00}, but because I could not give them {$1000.00} within 14 days, my wages were garnished in the amount of over {$10000.00}. 
I explained the sever economic hardship that I was under and asked them to reconsider the offer of {$1000.00}, but because of their sin of greed and intent to harm and oppress the poor, they continued the garnishment as a means of punishment to me, yet financial gain and profit for them. I wrote them multiple letters trying to get them to refund monies garnished less {$1000.00}, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I didnt apply for this Best Buy credit card and they were payments in my name was taking out of this account and my checking accounts were taken over by a fraudster and I call Best Buy and told them I didnt applied for the credit card in my name and I ask them to return the payment of {$1500.00} that was made on XX/XX/XXXX back to Citibank and I didnt make this payment and I dispute it with Citibank and it was denied and Citibank NA is putting me in debt over this amount and I will not pay for it ... Best Buy has closed this fraudulent account and continue to send me mail to a vacant address and I had to drive and pick up the letters and I dont live there all and they was credit card send there as well and I didnt apply for it and I want the payments and all the ACH peyments return back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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:
NEW DISPUTE - not duplicate.

This is now my 5th complaint on Experian regarding the XXXX preferred account listed on my report. XXXX  lists inaccuracies on my report. I have attempted to contact XXXX Preffered on several occasions but the phone number they list on my report of XXXX is a non - working number. I have tried mailing my requests for an itemized statement and proof of who used my information to sign up for the account. I mailed several requests to the XXXX XXXX XXXX but the mail is returned to sender. 

I have asked Experian to update the phone and address they list for XXXX so that I may gather information on who stole my information to get the account. 

However, once again, Experian completes their investigation and fails to correct the inaccuracies and at the very least, update the creditor contact information. 

I have also field a complaint with CFPB on XXXX  preferred and as I thought, XXXX ignored the complaint and has not even responded to CFBB. 

How can Experian continue to list the account inaccurately without using common sense and calling the number XXXX lists on the 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 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have Credit Limit {$4000.00} and balance {$1300.00} I credit card was denied, I called credit card about it and asked about explanation they said computer has hold balance, I said why all they said we are sorry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Credit report is showing a debt of {$1800.00} to Progressive Mgmt from XXXX XXXX. I tried to resolve this with them but never got it cleared and its back on my report. This is not my charge please help with an investigation or let me know how i Can get this off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One have close my checking account, however when I inquire about the fund in my account they keep saying they are doing the investigation. It has been over two months since the account closed. Still I can not receive my fund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: MD

Complaint narrative:
I mailed the attached Experian Dispute Letter dated XX/XX/2020 to Experian, which was date stamped on XX/XX/2020 by them. In that attachment, I specifically listed the inaccuracies and/or incomplete ( blank ) information, and requseted the points of contact information they claimed to have used ( Data Furnishers ) that used a Metro 2 format ( Record Layout ) to verify the information on my credit report as being accurate. In addition, I identified the late payments displayed on my credit report, as I have NEVER been late on any of the accounts listed in the attached dispute lettre ( XXXX XXXX XXXX XXXX ( Individual or Joint ) or XXXX/XXXX XXXX ), and those accounts displays inaccurate account numbers, which the burden of proof is on the credit bureaus. I find it very disturbing, appalling, and disrespectful that the identifiable accounts have been ignored as I received vague responses and stall tactics from Experian dated XX/XX/2020 neglecting to report verifiable and accurate informatoin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XX/XX/2020 - {$200.00} XX/XX/2020 - {$250.00} Barclay credit card company accepts via telephone, payments using only a checking account number and bank routing number. They do not ask the payer to verify the name on the checking account nor do they validate whether the name on the credit card and the checking account are the same. 

Due to this blatantly insecure policy of theirs, my checking account was debited twice within 5 months without my authorization. I had to file a dispute each and every time which is a long and arduous process. This policy is an open door for fraud and theft. Stricter requirements must be in place when someone is using a checking account to make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: TX

Complaint narrative:
On XX/XX/2020, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ALPINE CREDIT INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have 2 loans with Navient. One large and one small. I have called several times to discuss payment plans. It is only a temporary fix and payment is not affordable. Navient is the worst to work with. My loans started off at {$9000.00} and now up to {$30000.00}. I feel like my life is ruined due to these sharks who just want your money and do not feel the pain that I go through in life. I keep getting mail, calls, and emails from them. They keep saying they have options, I call and nothing changes with the options presented to me. I was told that if I do not make a payment that my account will go to collections due to none payment. My issue is that I have 2 loans with them. One of them is only about a month behind in the payment and I went online to make a payment today and they locked me out of getting access to my account. The large one is several months behind in the payment which I can understand. Why would they take away access to the smaller loan which i planned on paying on. I will not pay any collection agency. I still want to work with Navient but they seem to not have any options for me. I know several people with Navient loans and most of them are in default due to no options for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XXXX, CREDIT SYSTEMS added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Shellpoint, continues to use abusive and harassing debt collection practices. They also, committed mortgage fraud. I have settled once with them and they refuse just like Ditech did in properly entering the judgement into their system. They now claim the trustee did not pay them the money for our bankruptcy chapter XXXX. Which violates my automatic stay again. I am tired of the fraud this company has committed for the second time in just a few months. I also, contacted their lawyer XXXX XXXX letting him know they continue to violate my automatic stay and falsify documentation.

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 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
You never reported my account to the credit bureaus? Why? Also it is showing on my account that I was late 60 to 90+ days which is not supposed to be the case. On XX/XX/2020 you did approved my account for a forbearance from XX/XX/2020 to XX/XX/2020, then in XXXX you agreed to a deferral of half of my balance to the back of the loan. So per our agreement, you were never supposed to report my account late or mark it as late. I'm asking you to report my account correctly to the credit bureaus as well as in your system. Otherwise I will file a complaint with the consumer finance bureau regarding reporting me late when according to our forbearance agreement, I followed all the rules to avoid being reported as late. I need an answer asap. 

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 2020-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Asset Collections Inc
State: NC

Complaint narrative:
I had a very old car debt in the state of XXXX from XXXX and then i lost my job, moved away, the debt was past seven years which is the allotted time limit for debts to be removed or expired from your credit reports. They sued me in the state of XXXX without notice and i don't live in XXXX and i purchased the car in XXXX where I'm from also was living. So they are illegally garnishment my wages to my part time seasonal job, that only last 4months out of the year. They are still doing it to this day XX/XX/XXXX without any legal paperwork mailed to me or delivered.I now live in XXXX XXXX for the last 6years! The company is Asset Recovery Sulution LLC.Debt Collector

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
My debit card number was used on XXXX XXXX XXXX XXXX XXXX XXXX. I didnt receive any notifications that my card was used, a week later my card declined so I checked the app and noticed multiple transactions totaling {$1500.00}. This occurred thru XXXX XXXX XX/XX/XXXX. I immediately contacted Current about the unauthorized charges ( which uses XXXX XXXX XXXX as the issuing bank ) I received a form & filled everything out regarding the unauthorized charges. I was told the investigation could take up to 90 days. Fine, thats the law. I contacted a month later regarding a update and was told it would be expedited and I would receive a update soon fast forward to 2 months 91 days since the dispute was filed and I still have yet to hear anything. I contacted them on the 90th day and was told that it would be expedited again. I asked if they knew the law was only 90 days and was told Yes, they knew but they couldnt do anything. I just want my hard earned money back! 


Checking account # ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I logged into my credit card app for XXXX  XXXX and checked to see how my credit is doing since I make my payments on time and saw that there are 3 negative accounts on there that are not mine and dont recognize them. I know what accounts I have and theyre all in positive good standing almost paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute an account and experian is saying I am not who I say I am and refusing to look into my complaint even though I have provided all necessary item needed to prove who I am, I have asked them what other proof of identification they are requiring and they have not responded. They continue to use this as their way of not investigating my complaint.

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