vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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: GA

Complaint narrative:
I have sent Equifax several letters asking them to unmerge my account with a person with the same name. My name is XXXX XXXX XXXX and when creditors attempt to pull my credit using XXXX XXXX and my SSN it pulls another person 's credit. I was recently declined by XXXX XXXX XXXX XXXX who pulls Equifax because they were unable to pull my credit report. I can not pull my credit report form XXXX XXXX, XXXX, or even on Equifax 's site MyEquifax.com ; they all show no accounts or information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: IN

Complaint narrative:
The company has placed a debt on my credit report. I have twice verbally requested tht they provide me with validation and verification. I also feel that the seven year statute of limitations for this debt has passed from the date it was incurred. They are engaging in deceptive nd unfair collection prctices by continuing to attempt debt collection fter refusing to validate and verify the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX, Diversified Adjustment Service reported a collection account to the credit bureaus as belonging to me. I disputed the account because it was not listed in my name, and I did not have an account with XXXX. XX/XX/XXXX, I filed an identity theft report and made a complaint with CFPB. The debt was removed. Diversified Adjustment re-aged the debt and reported as a new collection on my report and placed the debt back on my XXXX report in XXXX, XXXX. I sent in proof that the account had been removed because of Identity theft. It was removed. Again the account is not listed in my name. Then the company added it to XXXX, and I sent in evidence to them and they removed it between XXXX and XXXX, XXXX. Now, XX/XX/XXXX it has shown up on XXXX without any notification from the debt collectors. It was also reported and removed from XXXX in XX/XX/XXXX. This company completely ignored the identity theft report I made on this account in XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I bank with truist/ BB & T , over the time that I have an account with them for over 3 years, I have had problems with my account balance saying one amount available and then when I use money from this account, I get hit with a overdraft fee of XXXX. I have spoke with agents several times and they have explained there reasons for this, but it never adds up to the amount that was present in my account at the time of the alleged overdraft fees. I received two overdraft fees for XXXX upon looking at my account today, XXXX XXXX 2020 when it stated on line that I had money available to use the previous day of 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 2020-12-24 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX of 2020 I requested payment assistance on my car payments from Ally Financial. The request for 90 days started XXXX and was to end in XXXX. My payment due date for the month was typically on the XXXX of every month but at some point All Financial changed it to the XXXX. This change of date made me 30 days late on a payment which when I noticed I paid immediately. They reported the late payment for XXXX. After contacting Ally they stated they would send in a good faith request to remove the late payment, instead every month they just pushed the late payment to the current month. They did this all the way until XXXX making it seem as if I have been late within the last 30 days. This has resulted in a denial for refinancing on my hone which is causing a hardship. Ive contacted the bureau several times to correct the late payment info. Finally in attempt to resolve this, Ally promised if I paid my account in full they would delete the account from my credit history. I did that immediately even accepting a higher interest rate from another bank just to get this removed and they have not kept their word. I paid in full in XXXX and after the most recent dispute it is still being reported incorrectly that I made a late payment in XXXX which again is causing me to be denied an opportunity to lower my mortgage. Ive reached out to the bureaus several times and it seems Ally Financial is reporting incorrect info. I feel that I have been misled to pay the car off so I can stop calling about them correcting my credit report. I have never been late on any payment with Ally and due to a payment due change they initiate I made my first late payment unknowingly.

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 2020-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I wrote a letter to America 's Car-Mart asking them to provide proof of legal notices that they were required to send to me after the repossession of a car. I received none of the notices that were required. They responded with a letter dated XX/XX/2020 stating that they had reviewed the account information, however, they were not able to locate the account and asked for identification. I responded with a letter asking them to delete the account that is being reported on my credit reports because they can not find the account on XX/XX/2020. I also sent them a copy of my driver 's license and social security card. On XX/XX/2020, America 's Car Mart responded with a letter basically telling me that they do not validate account information. I was not asking for validation. I asked for proof of legal notices being sent to me since they are reporting a repossession on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My identity has been compromised and report to the three major credit reporting agencies prior to this complaint. Only to find an unauthorized and unknown account on my credit file. Im demanding that this account be removed and blocked from my credit file. Ive reported this over 30 days ago without a response. Please remove this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
A medical collection for a family member popped up on my credit report I never received and notice of collection in the mail. 
The information on my credit report has no account number phone number or address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello and thank you for taking the time to help me. My name is XXXX XXXX and I was a loyal Citibank customer for approximately three years. However, on XX/XX/20 all of that would change. While out dining with my XXXX on my XXXX XXXX XXXX upon completion of the meal I was informed that my card was declined. I was so shocked and embarrassed and did not understand why. I called and spoke to several representatives that asked for information on a loan that I had taken out. I have never been so humiliated in my entire life. I had to get someone to pay for our meal. The following day, I called Citibank to provide the requested information and they still had my card blocked. I submitted all of my documents repeatedly even having the branch manager submit my documents on my behalf. After many, many phone calls and visits to the Citibank branch, I was informed that my account was closed. Closed? I could not understand why/? I could also not understand why I was told this 2 months later! I was told that I would receive the balance on my checking and savings account in the form of a cashiers check. Well, here it is..XX/XX/20 yes XXXX XXXX and I STILL have yet to receive my funds, tears are streaming down my face as I write this. I have even wrote the corporate office and have yet to receive ANYTHING! i am praying that you are able to help me. I am so angry, hurt and upset. What a XXXX XXXX XXXX XXXX bank. I have not had ANY access to my checking or savings accounts in over 3 months! Can you imagine how difficult of a time that I have been having because of this? Im so devastated. Please help me, Thank you for your time Checking Account # XXXX {$22000.00} Savings Account # XXXX {$230.00}

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 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have already complained about this company and this same debt.Unfortunately, there were 2 collection companies that were worded ( almost ) Identical. The company reached out to me and told me, I apologize to them I am still in the same boat with the o right collection agency.Ive been fighting this bill for years, which brings up very bad memories every time I have to go through this. I explained this to the company, they are well aware that this bill was paid for, I got into an argument with a few people when this first arise four years ago, and instead of fixing it, or helping me, by removing it, they used to call threatening me, and they listed the same exact debt on my credit report 8 different times. The amount of the debt is {$780.00}, they also sold it to another company as well, so theres another bill for {$400.00} some odd dollars listed on my credit as well which is also the same debt. The bill originated in XXXX or XX/XX/2015, and the original creditor was XXXX XXXX Hospital then XXXX XXXX XXXX. I have explained over and over to the current company going back years now that I had insurance and it was paid for and all it did was get me into arguments. I spoke to the hospital that the original bill was from and the other creditor and I was explicitly told that the bill was paid by Florida XXXX in full. I also had XXXX at the time, they were well aware of both of those things, but now that I spoke to the hospital and they told me the bill was paid and they have no idea why am being chased by this creditor, I dont know what else to do because they will not remove it off of my credit reports. This company is very dishonest. I would appreciate any help you could give me. Thank you so much & have a great holiday! I was just denied by the way for another cell phone, I couldnt get my mortgage and the list goes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus experian XXXX  XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus XXXX XXXX transunion. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus XXXX equifax XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Last Month I file a complaint against Ally - CFPB Number : XXXX XXXX who is the XXXX Customer Relations of Ally Bank stated In Ally Bank response and I quote " We have asked the credit reporting agencies note your account information as being disputed. But on XXXX Ally Bank reported another missed payment. This is deceptive and unfair tactic from Ally Bank! As of right now I am currently in litigation against Ally Bank. Ally Bank shouldn't be reporting nothing until our dispute is settle in court! On XXXX I file for a " Notice of Removal " and mail the copies to their lawyer and Ally Bank the next day " 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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting 1 inquiry from a company XXXX ON XXXX I have no knowledge of this inquiry and never ran my credit or applied for credit with this company.

TransUnion is reporting 1 inquiry from XXXX XXXX  reported on XXXX also I have no knowledge of this inquiry or applied for credit with this company. 

I disputed this information with these companies and neither company provided me with proof. Just verified the information

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 2020-12-24 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: CA

Complaint narrative:
Equifax is reporting 1 inquiry from a company XXXX ON XXXX I have no knowledge of this inquiry and never ran my credit or applied for credit with this company. 

XXXX is reporting 1 inquiry from XXXX XXXX reported on XXXX also I have no knowledge of this inquiry or applied for credit with this company. 

I disputed this information with these companies and neither company provided me with proof. Just verified the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I am XXXX XXXX XXXX. I want to put in a complaint against Ms. XXXX XXXX XXXX. I co-signed a {$17000.00} student loan with Citizens bank on XX/XX/XXXX to attend XXXX College. She was in financial need, and she was my girlfriend that's why I was helping her. We were dated from XX/XX/XXXX to early XXXX. After we were separated, she used my information to take more student loans without my authorization. Here is the list of student loans amount with date and account number. She got all the loans from Citizens Bank and the account XXXX. XX/XX/XXXX, {$18000.00} ; XX/XX/XXXX, {$32000.00} ; XX/XX/XXXX, {$13000.00} ; XX/XX/XXXX, {$4400.00} ; XX/XX/XXXX, {$6600.00} ; and XX/XX/XXXX, {$5500.00}. When I was trying to buy a house in XXXX, XXXX XXXX XXXX XXXX told me that I have too much load on my credit. I had good credit making descent money, but got denied after approving for over {$300000.00} mortgage loan because of her action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a collections bill for {$3300.00} on an account that I know nothing about. 
I called the collection agency as well as the bank the account was registered and have been unable to obtain any information about the charges.I followed up with a registered letter to the bank to have information sent to me. 
I filed a report with the police.

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