vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: MO

Complaint narrative:
My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: MO

Complaint narrative:
My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. 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 2020-04-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
In reference to account # XXXX I've been asking GM Financial to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). GM financial stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In reference to account # XXXX I've been asking XXXX XXXX to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). XXXX XXXX stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to 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 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westwood Legal
State: VA

Complaint narrative:
I emailed XXXX XXXX XXXX XXXX the first time they sent me a XXXX notification regarding a debt for a XXXX XXXX who I have no knowledge of. Now I've received a second email XXXX for this persons debt. I'm sure whoever XXXX XXXX is they would not appreciate someone else knowing of their debt. At no time is it okay to continually contact someone when you are not certain of who you are sending sensitive and private communications to. 

Communications Connected with Debt Collection 15 U.S.C. 1692b and c For communications with a consumer or third party with the collection of a debt, the term consumer is defined to include the borrowers spouse, parent ( if the borrower is a minor ), guardian, executor, or administrator CFPB Consumer Laws and Regulations FDCPA CFPB Manual V.2 ( October 2012 ) FDCPA 3 Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are : The consumer. 
The consumers attorney. 
A consumer reporting agency ( if permitted by local law ). 
The creditor. 
The creditors attorney. 
The debt collectors attorney. 

The consumer or a court of competent jurisdiction may, however, give the debt collector specific permission to contact other third parties. In addition, a debt collector who is unable to locate a consumer may ask a third party for the consumers home address, telephone number, and place of employment ( location information ). 

The debt collector must give his or her name and state that he or she is confirming or correcting location information about the consumer. Unless specifically asked, the debt collector may not name the collection firm or agency or reveal that the consumer owes any debt. 

No third party may be contacted more than once unless the collector believes that the information from the first contact was wrong or incomplete and that the third party has since received better information, or unless the third party specifically requests additional contact. 

Contact with any third party by postcard, letter or telegram is allowed only if the envelope or content of the communication does not indicate the nature of the collectors business.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: MI

Complaint narrative:
XX/XX/2019. {$1400.00}. Negligence of car repair services and cancelled check has prevented me from working and paying my rent and my water bill and my charge card. My employers check bounced due to insufficient funds. As a result, I have been losing my comfort zone and my prospects due to stressful environments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
This debt was sent to a collection agency before I could get it paid, I paid the Bill 's and I was informed that the collection agency would delete from my credit report. As of XX/XX/20 it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-15 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
2 credit inquiries from company. I have no knowledge of the inquiries and did not authorize them to pull my credit. The dates are XX/XX/2019 and XX/XX/2019.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
I Have An Account With Cash App. I Went To Make A Withdrawl For {$280.00} And It Was Taken Out Of My Account But No Money Was Dispensed Out Of The ATM. I Went Inside The Store To Complain And Was Told To Call Number On ATM. I Did. I Was Transferred To Headquarters Where They Told Me Contact My Bank. Well With Cash App There Is No Phone Option Only Support By Email Through The App Or Web. I Have Sent Several Emails Back To Back Asking For My Money And For Help And I Have Not Recieved Either One. Its Been Well Over 24Hrs. The Transaction Was Done At XXXX Eastern Time. I Tried Doing The Transaction Again Hoping That It Was Just Something I Did Wrong And It Was Declined Cause The Money Had Been Removed From My Account The First Time Without Giving Me Any Cash. Please Help Me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received a letter from Department Stores National Bank dated XX/XX/19 that a refund check in the amount of {$43.00} was issued to me and remained uncashed. The refund check was supposedly dated XXXXhowever, I never received such a check. As a result, I contacted Department Stores National Bank and spoke with XXXX ( I.D. # XXXX ). She seemed confused as to how to handle my issue, but after several minutes holding she returned to the line and reassured me that this check would be reissued-however, I have not received the check and have been unable to contact the business since that time. I am requesting that Department Stores National Bank reissue my refund check and forward it to my address immediately.

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 2020-04-15 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: FC HoldCo LLC
State: CA

Complaint narrative:
I have 2 credit inquiries from this company that i did not authorize. The dates of these inquiries are XXXX XXXX, 2019 and XX/XX/2019. I have no idea what this company is and why they ran my credit.

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a used vehicle in XXXX. I financed it with Santander. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and Santander continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and Santander doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because Santander is reporting far beyond the 7 year reporting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My complaint is with Specialzed Loan Servicing, LLC. I had difficulty paying my mortgage with this company prior to them giving me a loan modification. Even though they later approved a loan modification for me, they did not remove my prior late payments from my credit report. After I got the loan modification, they stated that I have to pay a huge balloon payment on the loan in the future. I have tried to refinance my loan but can't get one because Specialized Loan Servicing still has those late payments on my credit report and it has already been many years since I've been late. I need to refinance my loan because I won't be able to pay the balloon payment but my credit score can't increase because of the mortgage company not removing those late payments. Please ask them to remove all of those late payments from my credit report so my credit score will go up so I can refinance my mortgage. 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 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group
State: FL

Complaint narrative:
Ascendium never contacted me at my current address which I have had over 10 years. I was informed by the Attorney General to submit the complaint. Ascendium Education is reporting 16 debts from previous creditors from student loans. I attached their response which confirms that they are falsifying dates to keep on my credit reports. All of my loans exceed 7-10 years, however they are reporting the opening dates of the the obsolete accounts as XX/XX/2016. Then they are reporting the payment history as the payment history starting in XXXX, 2016. It is against the law for a collection agency not to report the same opening and payment history of the original creditor. Even if the credit collection company reports the opening date in which they receive the defaulted account to the credit bureaus, it is against the law for them to report a payment history that is not the same as the original creditor. Ascendium should know that negative re-aging debt on credit reports is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is. Negative re-aging is illegal and, if it occurs, you are in violation of the Fair Credit Reporting Act. Some collectors do this intentionally. Collection accounts may be reported for seven years from the date that the party first fell behind with the  original creditor. Thats true regardless of whether the account is paid, unpaid or settled in the meantime. If a collection agency re-ages the original date of delinquency, it is likely breaking the law, and the consumer should contact the Consumer Financial Protection Bureau and/or a consumer law attorney. I have attached my credit report so that you can see that Ascendium has changed the original date of the loans as well as they have changed the payment history. I also attached a copy of the letter from Ascendium and it supports that Ascedium is  reporting false information to keep on my credit reports. If they do not remove this false data immediately, I will be forced to sue the organization. Please take note of the dates in which Ascendium is stating, the dates of the obsolete student loans, the dates reflect that I have had all of the loans exceeding 7-10 years which support they are outdated and should not be reporting as recent student loans as Ascendium is falsely reporting. I informed the loan holders numerous years ago that I am XXXX and I have been for numerous years and informed them of such,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation