vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from Berlin-Wheeler late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, XXXX, and XXXX. Berlin-Wheeler deleted derogatory from XXXX, but not XXXX and XXXX. I have confirmation of Berlin-Wheeler noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with XXXX small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At XXXX and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and Berlin-Wheeler and the credit agencies. I am at a loss as to how this can happen and can not be resolved

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 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
Received a letter in the mail dated XX/XX/2022. The letter is addressed to me and the address is correct. The letter is from a company I have never heard of and never dealt with stating that I owe a debt, that the debt is seriously past due, and unless I call the toll-free number, my credit report will be adversely effected. Again, I have no knowledge of this company and have NEVER dealt with them. Raising further suspicion, this letter does NOT contain any account number, does NOT contain an amount owed, does NOT contain anyone 's name, and does NOT contain a way to contact/pay online. Furthermore, performing a web-search of the toll-free number, nothing pulls up. I looked up the company online and called their number. It does appear to be a valid company. The company 's name is Advance Financial 24/7. The customer service representative with whom I spoke, XXXX, looked up my information in their database and informed me she could not find any loans/outstanding loans with my name. We suspect this to be a fraudulent attempt to get people to call the toll-free number to disclose personal information. I am not about to call the toll-free number and give them more information than they already have. The toll-free number on the letter ( the letter without an account number, without an amount owed, without a name or signature, and without a way to pay online ) is XXXX. Please catch these individuals and hang them by their balls from the tallest tree you can find. I did not fall for this scam but others, the elderly or cognitively impaired, might. A stop should be put to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Earlier today, I filed a complaint about Portfolio Recovery Associates. The same day they received my complaint, they retaliated by putting XXXX more collections on my XXXX credit report. The accounts in question had already long since aged off all my credit reports ; Portfolio is fabricating dates of delinquency to put these accounts back on my credit report. They have listed the accounts as " closed '' but claim recent payment activity to fraudulently list the accounts. They are selecting XXXX specifically due to XXXX 's long lead time for disputes. Their actions have resulted in an almost XXXX point drop in my credit score on XXXX ( which gets data from XXXX ) and more than XXXX points on XXXX itself. Portfolio 's actions are a clear violation of my rights under the FCRA. They once again fabricated dates and will use stall tactics to harass and inconvenience me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally discussed my account and debt with someone who called ally about their own account. 
This person found me and shared this call with me.

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 2022-02-11 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: NY

Complaint narrative:
I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX XXXXXXXX where i got the inquiry from and XXXX XXXX tells me to call XXXX to get the inquiry removed and XXXX tells me to call XXXX XXXXXXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.

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 2022-02-11 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: NY

Complaint narrative:
I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to capital one where i got the inquiry from and capital one tells me to call XXXX to get the inquiry removed and XXXX tells me to call capital one. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
After several attempts to pull my credit report from the three credit bureaus, my mortgage lender was able to successfully pull credit reports from XXXX and XXXX. He was unable to pull my credit report from Equifax, however, because it was flagged with a fraud warning. After calling Equifax on XX/XX/2022 to get it straightened out, I had to call two separate departments to verify my identity. One department could not help, but another could. The helpful department assured me that they removed their fraud warning, and it should be ok. My lender tried pulling my Equifax account and was still unable to do so. I called Equifax again on XX/XX/XXXX, and I was in contact with a manager. He claimed that my address or name was likely incorrect with my mortgage lender and to correct his mistake. After confirming with my lender that everything was correct and complete, he was again prohibited from pulling my Equifax credit report. After four business days and four separate unsuccessful attempts, he again asked me to call Equifax to release the information. We eventually spoke with XXXX XXXX employee XXXX ), who told us he was a manager with Equifax. He again told me there was no problem with my account, and there was no freeze on their end. Despite our best efforts to explain the severity and impact of the situation, he refused to help us in any way. Of course, our lender still can not pull a hard credit report. 
We dont know what else to do as the Equifax manager assured us he was the highest point of contact. We are extremely disappointed with the handling of this situation, and we have been put in a very difficult situation as we can not be approved for a home loan without this step. We have watched at least two houses go by without being able to put in an offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from A-L financial based in California. 
in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. 
I had moved from the place where I was staying when I bought the car. 
soon, in XX/XX/XXXX, the company went to court. 
Case notifications were sent to a wrong address ( former address ). 
on XX/XX/XXXX, a default judgement was entered. 
in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. 
when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. 
after that, A-L financial went quiet for 2 years. 
in XXXX, A-l financial again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. 
I went to court, I repeated my claim of not receiving any notification. I was let go home. 
on XX/XX/XXXX, XXXX XXXX XXXX was assigned of the collection of the debt. 
in XXXX XXXX, XXXX XXXX XXXX posted on my credit report. 
I never received a notification or there is no indication that they even tried to reach out to me. 
once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. 
however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. 
since the credit reporting from XXXX XXXX XXXX was posted I have suffered negatively. 
I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. 
all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records XXXX XXXX XXXX provided ( it had my old address ). 

note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. 
I have not refused to pay except that we are still in courts. 

why would they post on my credit report? 
thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX Incorrectly reporting my fully paid XXXX XXXX XXXX  account with XXXX balance as in collections ; In XXXX and XX/XX/2021, XXXX failed to conduct the required fair investigation and re-investigation of my valid disputes ( with Exhibits ) and delete I C. System ongoing Opened XX/XX/2021 false and bogus {$340.00} XXXX XXXX XXXX/XXXX  collection from my exceptional credit history and files/reports ( FISCO Scores above XXXX to low XXXX ). 

Also as of this date, XXXX and I. C. System refused to provide me notice and/or proof of XXXX XXXX XXXX/XXXX-XXXX  or I. C. System {$340.00} alleged debt. See Attachments.

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 2022-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was denied a loan modification. I received a short sale acceptance form from SPS to list my house as a short sale and sign and submit the form along with the listing agreement by XX/XX/2022. This was done and emailed on XX/XX/2022. In XX/XX/XXXX I was told the documents are in underwriting and were received. On XX/XX/XXXX I was told that the short sale was denied because the sale date was too close. A supervisor helped to try and correct this with a dispute stating we sent the documents before the expiration date and the short sale should have been opened.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Refuses to give me a copy of the title with XXXX XXXX ( required for new state registration ). First requested XX/XX/22. Requested many times since.

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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
Radius Global Solutions contacted me initially XX/XX/XXXX ( which they now deny because I sent a letter disputing the debt ) saying I owed for my XXXX XXXX XXXX XXXX daughter 's XXXX XXXX visit in XXXX, XXXX. They kept insisting I lived somewhere I never lived and I was told I could dispute the bill which I sent a letter via USPS, Never heard a word for almost 11 months. 

I was contacted again by a woman who asked for me by my married name ( I took my maiden name XXXX years ago when got divorced and provided my decree to Radius just to prove who I was ) and the lady again insisted I lived at the address she was providing -- I haven't lived in the town she said for over XXXX years. She was proceeded to tell me about the bill & I told her it wasn't mine and I am not who she said I was, that was not my last name legally. My daughter is a competent adult & had insurance through her employer. I was not there when she went to the XXXX XXXX. She gets a supervisor. The supervisor tells me I can dispute the bill after I explain the situation. I sent an email to him  with the documentation & saying I was disputing the bill and the letter I sent on XX/XX/XXXX. XXXX. I called the XXXX  on XXXX ( this happened the day after XXXX late in the afternoon ) and they said not to worry about it and they had a hard time finding it. 

Today I called Radius to see if it had been resolved and the supervisor told me the hospital said I was still liable for it. I replied I may need to get an attorney involved. He wanted to know who the attorney was & I said I don't have one yet. I called the hospital and the lady in billing can't find a bill connected to me with my daughter & she doesn't understand how I am even connected to a bill when my daughter is a competent adult with private health insurance through her employer. The XXXX has to be careful with HIPA.

I called the agency back to speak with the supervisor to ask for a bill and he tells me he can't discuss the account with me since I mentioned an attorney. He told me he knew all about HIPA laws and that if I emailed the dispute department I could receive a copy of the bill. Close to three hours later, no bill no response.

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