vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IL

Complaint narrative:
XX/XX/XXXX I paid a collection account settlement with Castle credit ( formally Prime accept ). On that day I requested verification MULTIPLE TIMES for proof it would be paid off. I was denied that request. 

I was told on that date that the balance I paid would settle and close the account and it would be reported as such with my credit bureaus. It was reported as current on my experian report which isn't. After attempting to call and request the change as well as a letter stating that it was settled SEVERAL TIMES, as well as proof that they are prime accept ( I need that proof for an underwriter on for a home mortgage, I learned today, XX/XX/XXXX, that it was not even requested as it should. 
The issue with the underwriter is I have proof I paid castle credit, but they see prime as a seperate account even though the acct. numbers are the same, on both. 

I have also on reccomendation from the CFPB to dispute with experian as well. I would like this resolved quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
SCA Collections has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX  hardship and suffering through loss of sleep and XXXX. 

Her private doctors office reffered her to XXXX XXXX for tests. 
XXXX did not take down her insurance info and correct mailing address from the Doctors office. I never got any mail. I had moved out of XXXX XXXX and was living at XXXX XXXX XXXX, # XXXX XXXX XXXX CA XXXX. My doctors office was given this address at that time. 

In addition, XXXX did not bill my XXXX XXXX insurance, even though my doctors office had her insurance info and sent it to XXXX. 

In the end the insurance company ended up paying the bills. This collection account should have been removed. 

Also, the credit bureaus are showing different original amounts. They put on account after 90 days, by law they are required to give client 6 months before reporting a medical collection. These are serious violations under the FCRA. 

The accounts information is as follows : Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$500.00}. 
Account number : XXXX. Date Opened : XX/XX/2019 Original balance : {$470.00}. 

This situation has caused me several damages and violations that I have suffered, I demand to get the accounts removed from my records ( from all three credit reporting agencies ) in 30 days. 

See attached documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Mazda Financial Services has violated my Consumer rights pursuant Title 15 USC 1692g. 
Mazda Financial Services can not extend credit to a Consumer natural person.. 

Mazda Financial Services has a unverified and alleged debt against the original creditor XXXX XXXX to which my credit is unlimited.. 
Mazda Financial Services has no written contract from the original creditor validating any such alleged debt for the consumer natural person.. 
Mazda Financial Services has violated Title 15 USC 1635 by not providing the original creditor the proper forms and documents pertaining to my right of rescission to all credit transactions..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted a request to have my qualifying payments towards Public Student Loan Forgiveness ( PSLF ) reviewed because FedLoan Servicing ( FedLoan ) incorrectly calculated my qualifying payments. FedLoan acknowledged receiving my request on XX/XX/XXXX, but I still have not received the results over six months later. I have contacted FedLoan Servicing on two occasions over the past six months and they stated the review was still ongoing and could not provide me an update. ( FedLoan Servicing Case # XXXX, Reference ID : XXXX ) I requested to have my qualifying payments reviewed because their system incorrectly states that payments from XX/XX/XXXX to XX/XX/XXXX are ineligible payments because I did not receive a bill for those months. I did not receive a bill because I am an XXXX XXXX servicemember and I filed a Department of Defense ( DOD ) Student Loan Repayment Program Forbearance request ( XXXX No. XXXX ) to receive credit for a lump sum payment from a DOD student loan repayment program. This lump sum payment was made on XX/XX/XXXX in the amount of {$16000.00}. Pursuant to 34 C.F.R. 685.219 ( c ) ( 2 ), this lump sum payment should result in me receiving credit for twelve 12 qualifying payments based on the monthly payment amount required under my repayment plan at the time. FedLoan has failed to accurately calculate the correct number of qualifying payments despite me making a request over six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I have never had a phone bill with XXXX. However, one did appear on my credit over a year ago. The representative from XXXX advised me to file a police report- i did. XXXX removed the account from my credit. 

That said, an account by Enhanced Recovery in regard to XXXX was placed on my credit. I never received a collection notice from them- if i had i would have advised them that the account was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX Resurgent Capital Services located in XXXX, south SC started garnishing wages started at {$100.00} now {$170.00}. on Fraudlent debit card charges.he have proof from the bank he have not open this credit card. XXXX law firm is also involved in this scam. they are scammers preying on consumers they need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I received a letter from a debt collector regarding a debt that is not mine. I am a victim of identity theft. The debt collector is National Credit Systems , INC and the original creditor is XXXX XXXXXXXX XXXX / XXXX. I have never lived at, applied or done any business with this apartment complex. I have lived at my address for years, I still live there and have no intention of moving. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
CNAC reposesed my car in XXXX  of 2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, CNAC charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is refusing to settle the amounts on my credit cards presented to them that I did not authorize or know the party, merchant or property involved, but my creditcard has been used without knowledge for these expected fees. I have presented the amounts in person to various Wells Fargo banks and nothing is ever resolved. They continue to defraud me when I ask any questions and why they refuse to answer Wells Fargo phone lines. They assign new case numbers to unknown individuals who do not respond. They fabricate continual XXXX  and continually ask for your documents that a XXXX XXXX  should obtain for a minimum of seven years. 

They are unable to provided any history on your individual opening branch account. 
They falsify when your account was opened. I have the documents to prove the history Why don't they provide those documents? They have received those documents and why don't they respond accordingly when you continually ask why nothing has been accomplished to attempt to resolve? 
I have the names of these unknowns on Wells Fargo letter heads that are incompetent of resolving. I have the calling cards of people who could never help resolve any issues. Some have been fired. 
It is very obvious that their executive office continues to defraud the public. This is public abuse and abandoment and fraud. They have found financial errors they made cheating me out of my hard earned money and can not answer any questions as to why. The local Well 's Fargo branches will write down your questions and those specific questions are never answered. Why has my bank acounts been purged? The 7 years of History has been destroyed. Where have they gone? These claims are on currently held required by law. 

The CFPB needs to investigate these people and the banks that have done this to me. 
I have the documents to be to provide as evidence.

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 2021-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
My mortgage Company is Cardinal Financial. 
I submitted Evidence of Lower Property Taxes due to my Veteran XXXX Rating on XX/XX/XXXX, that would result in a lower payment. 
On XX/XX/XXXX, I contacted Cardinal and requested an update on the Escrow analysis. They had not reviewed, or created a work order for the escrow analysis, and requested that I submit the documents again. This is costing me in monthly payment amount currently, and is an unfair padding of the escrow account, as Cardinal was made aware by the XXXX County Treasurer by letter dated XX/XX/XXXX, that my Taxes were lowered due to Veteran XXXX. Cardinal was even more aware that the amount was lowered, as they Paid half of the lower amount {$1900.00} in XX/XX/XXXX for Tax Year XXXX XXXX half Taxes. 
I was told via letter in XX/XX/XXXX payment effective date XX/XX/XXXX from Cardinal that my Escrow analysis was increased to a new tax of {$5600.00} for XXXX taxes, when the County Treasurer submitted a letter to Cardinal on my behalf dated XX/XX/XXXX, that informed them of a " Senior/Veteran Exemption Tax Estimation '' for me, with a XXXX tax year owed in the amount of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX The Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : XXXX  XXXX Alleged Original Creditor : Account number : XXXX XXXXXXXX XXXX Debt collectors Name : XXXX The Bureaus Inc. 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$500.00}. 
Debt collectors account number:XXXX Dear the Bureaus , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-07-20 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: Chime Financial Inc
State: MN

Complaint narrative:
On XXXX I was double charged {$1000.00}. This was on chimes prepaid credit builder card. BC it was on the Credit Card, I asked to have the payment for the charge held during the investigation And The {$1000.00} put back in My account which they are refusing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest credit system is trying to collect a debt, i requested the validity of the alleged debt, they havent responded to date. They are harassing me by calling me 3 times a days using different numbers. I am requesting the validation of this debt and cease and desist. I will be sueing Southwest if they dont leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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