vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I was contacted by phone two or three times by Capital Accounts. They started each phone call off with an oddly long silence, followed by a very short and rude phone call. In my first call, they refused to identify who they were or why they were calling until I gave them personal information, which is not okay or legal to ask for. Next, they got extremely rude and hung up on me after muttering under their breath " Oh my XXXX, unbelievable '' after I informed the caller that I had no idea of any supposed medical bill debt. My most recent call they asked for my name and I asked who was calling first and what they were calling about, but they just hung up on me abruptly without answering. They also sent a letter that I received on XX/XX/2021 stating that i owe {$490.00}. This is not my debt and i don't owe any money for a dental bill.. This business runs like a scam, they are extremely rude for no reason. They have no manners, and I don't even know if they are legally operating. This is harassment. They should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: LA

Complaint narrative:
XXXX XXXX  is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.

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 2021-05-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  XXXX  is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
Ive called into all 3 major credit Bureaus ( XXXX, Equafax, and XXXX  ) for the last few years ( on and off, every 3 months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXX XXXX ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXX/XXXX XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses criminal actions. So, please ... help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
Ive called into all 3 major credit Bureaus ( XXXX, XXXX, and Experian ) for the last few years ( on and off, every 3 months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXX XXXX  ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXX/XXXX  XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses criminal actions. So, please ... help!

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Hello I opened an account with robinhood and purchased XXXX with the XXXX XXXX instant transfer and the deposit was reserved because the money was in my XXXX  account. Ive tried repeatedly to find my ax but have not been successful and ow I just want to close my options and retrieve my profits but they wont allow me to and I keep writing them and no one answers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
Hi I've opened a ticket with binance.us to reset my account in order to be able to transfer and trade funds but it's been over 20 days with no response. 
ticket number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: MI

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING XXXX  IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA

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 2021-05-05 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: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
this account doesn't belong to me a guy by the named XXXX XXXX stole my identity and made this account its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent two certified asking for proof of verification and they failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 3. The following personal information is incorrect XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 4.15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting Account Number : XXXX 9. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Account Number : XXXX 10. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 11. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

DPT ED/XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
This complaint is in regards to my current lender ( Gregory Funding ), who I have submitted several letters in order to correct the error in reporting a late mortgage payment. I have submitted several letters of proof that I am not late or have I ever been late on my mortgage. I have also had my attorney submit a letter to correct the error, Gregory Funding never responded within the 30 day legal time they are required to respond to my attorneys letter. To date the error has not been corrected and we are unable to refinance our home because of Gregory Fundings incorrect reporting error stating that I was late on my mortgage payment. I am attaching the letter I sent to Gregory Funding, on XXXX XXXX, requesting them to correct their reporting error : XX/XX/XXXX Gregory Funding XXXX. XXXX XXXX XXXX, XXXX. XXXX FAX : XXXX XXXX Subject Disputing Late Notice XX/XX/XXXX This letter is being forwarded to Gregory funding based on a letter I received dated XX/XX/XXXX. The letter states that I am behind on my monthly payment in the amount of {$3000.00}, this is incorrect and I am disputing all late fees and the amount of {$3000.00} I have never been late on my mortgage. 

My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX, all scheduled payments were paid on time. My final payment to XXXX XXXX was made on XX/XX/XXXX in the branch. My mortgage with XXXX XXXX was in bankruptcy and discharged in XX/XX/XXXX in which a notice of final cure payment was issued from the bankruptcy court to XXXX XXXX XXXX  and it states Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditors claim, The loan is due for XX/XX/XXXX payment ( see attachment ). We received a letter from XXXX XXXX XXXX  that our loan as of XX/XX/XXXX was transferred to XXXX XXXX XXXX. XXXX sent us a letter stating that our next payment would be due on XX/XX/XXXX we made a payment to XXXX XXXX management in the amount of {$4900.00} on XX/XX/XXXX. Based on my records we are current, please correct this recording error. 

I am requesting Gregory Funding company to correct the error and bring the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
XX/XX/2021 I opened a activated my account with the XXXX XXXX card current. I then transferred funds from my XXXX XXXX  to the current card once I did that. I received a email stating that my account would be under a review for 3-5days business days I waited and waited and afterwhile when my days were up I seeked out for assistance to see whats going on I called the current card customer service number and their phone line has it set up where you can not talk to a representative over the line you only have the options that are given .I looked deeper into the situation I am only allowed to sent emails and text them through the mobile application. Ive sent several documentation of what they were asking for repeatedly kept asking for the same documentation and Im getting very skeptical because I already can not talk to anyone over the phone line. I then looked them up and see they have a lot of bad reviews and are known for scamming and frauds. I then go look to see if I can find deeper information I ran into the bank they are issued through XXXX XXXX  FDIC. I called to speak to someone explained my situation they stated theirs nothing they can do. Remind you they are the issuer bank for Current card XXXX XXXX so I didnt understand why they couldnt do anything. I look up a number I could call to seek further precautions and I came across yall number I seriously need help my money is locked and they wont release my funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I mailed a certified letter to Waypoint Resource Group disputing this debt on XX/XX/XXXX which they received and signed for the certified letter on XX/XX/XXXX, ( certified letter # XXXX XXXX. I requested written documents validating this debt they are trying to collect in the amount of {$270.00}. I also requested for this company to provide me with information regarding this debt because I NEVER opened this account with XXXX XXXX. As of today I still have not received a response from this company regarding the erroneous debt they are reporting in my name, however they continue to report this account that's not mine to the credit bureaus. This is defamation and a violations of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXXXXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX # XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation