vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Dear madam/sir, I have tried multiple times to remedy this issue. I sent several emails and a letter last month, asking to resolve the account. I requested multiple times for them to write me back, but they never replied. I specifically told them that I did NOT want to speak on the phone, and that I awaited a letter or email in writing. They called and left a message, to which I responded again IN WRITIING in an effort to resolve this account once and for all. Again, I received no written response either via email or letter. 

I finally simply paid the FULL past due amount {$730.00} online ( I have screenshots of the account payment, and the draft can be viewed from my bank account statement ) : The account misreports that part of the loan is a charge off and the {$730.00} was sent to recovery. After my {$730.00} FULL payment, the company is reporting that the account is STILL delinquent ( after the account went to XXXX ). I have contacted all three credit reporting agencies and asked them to look into it. Each time, Mariner has reported to them that I still owe the {$730.00}, which I do not. The account is now XXXX. 

This is false information, and they refuse to update with correct information. Although my preference would be to simply delete the entire account from all my credit reports, as they are a filthy business. Even when the account was still open/active ( years ago ), they would harass and call me at work. They would leave messages threatening to put a lien on my home if I didnt pay ( which I believe it illegal ). Im tempted to ask my employer for the recordings, and will if it would help my case. 

This is absolutely the most loathsome and despicable company to work with. NO ONE deserves to be treated with these high interest predatory loans, and it should at the VERY least be required of them to report the loan accurately.

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 2020-06-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

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 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
us bank/elan finl svcs XX/XX/2015 Remaining : {$1000.00} / Due : {$36.00} i recently found this name and info from credit report. never received any contact or letter, info. or know who they are.

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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to use the XXXX application to access my unemployment benefits before they arrive. All they need is for my bank to connect so that they can confirm that I am getting the money they are to lend to me. It is urgent that i receive this money sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I been receiving phone calls of harassment, profane, injurious and abusive language, death threats and threats of being arrested and sent to jail and prison from IC System Representatives for an account from XXXX XXXX XXXX XXXX for {$1200.00}. The account and debt is a fraudulent account and debt, and is the result of identity theft. The fraudulent account or debt isnt my account or debt. IC System is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law.

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 2020-06-22 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: IA

Complaint narrative:
The following collections account and debt listed on my Trans Union, XXXX and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 2020-06-22 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: IA

Complaint narrative:
The following collections account and debt listed on my XXXX XXXX, XXXX and Equifax credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: IA

Complaint narrative:
The following collections account and debt listed on my XXXX XXXX, Experian and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 2020-06-22 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: MN

Complaint narrative:
I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: MN

Complaint narrative:
I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.

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 2020-06-22 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: MN

Complaint narrative:
I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.

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 2020-06-22 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: NJ

Complaint narrative:
**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX Reported : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.

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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC will not link to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My flight was cancelled and XXXX XXXX is lying stating that my flight was active. I called XXXX XXXX and they told me it was cancelled. 

I have proof that it was cancelled and the flight was not valid. 

Chase is not doing enough research. They did not provide me any proof that my flight was valid. 


I have proof that XXXX XXXX is lying. They are not answering any calls or any emails. I would like a full refund because I was not provided anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: PNC Bank N.A.
State: OH

Complaint narrative:
They say pnc won't allow them to link to my account. I don't understand why? They have before and I log in right and everything is working fine besides pnc not allowing them to link to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: LEXISNEXIS
State: NV

Complaint narrative:
LexisNexis is reporting for a long time now an accident in my driving record, every time I try to get auto insurance that accident will come up. I called LexisNexis many times and explain that accident is not mine, they are confusing me with my father. My fathers name is XXXX XXXX and my name is XXXX XXXX XXXX, the car my dad had the accident ( XXXX   XXXX XXXX ) is the car Im driving now and every time I try to get insurance that accident will come up. Please help me fix this misunderstanding, thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX Reported : XXXXXXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.

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 2020-06-22 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: NJ

Complaint narrative:
**Hello, My name is XXXX XXXX XXXX I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX  XXXX XXXX XXXX  XXXX Reported XXXX XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Coradius International LLC
State: NJ

Complaint narrative:
This is a the same Company complaints as I reported XXXX ( last XX/XX/XXXX ) and they just passed it to another Collection Agency. They mailed it to me on XX/XX/XXXX, the time where we suffered also a tremendous impact done by COVID-19,  we are suffering also of financial hardship. Attached is a copy of their notice, dated XX/XX/XXXX with the amount of {$8500.00} by a XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX, toll free XXXX. 

The vehicle that they are pertaining to was actually repossessed by taking away in my parking lot without any notification thus was reported to the Police of a suspicion of Thief Loss. Later, the company was verified that the vehicle was under their authority and sold to another person as the new owner. Accordingly as per se,  we signed an agreement that we have to finish in paying our monthly dues but the dealer financier had never told or explained everything to us but just a signature. Hopefully, our complaints must be heard in your office, thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corporation is erroneously reporting my account 30 days past due to the major credit reporting agencies. I have reached out to the company to dispute this erroneous reporting and to request a statement of payments and charges. They have stated to me that I have to complete a dispute form and that would be mailed to me. I have requested this information since XX/XX/2020 and it is now XXXX and I never received the document. I requested it twice. There is a discrepency of approximately {$180.00} which I believe are late fees, however they are reporting my payment of {$520.00} late since XXXX and my regular monthly payment is not 30 days past due. The representatives are rude and are not clear with what the discrepency is. Please assist me with dealing with this matter. The remedy I am seeking is for XXXX XXXX XXXX to remove the late reporting to my credit reports and to correct my billing. 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 2020-06-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: TN

Complaint narrative:
This debt is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For over a year I have been disputing XXXX XXXX XXXX with Experion Credit Bureau asking them to please verify this debt because it is the wrong amount Everytime I file a dispute, Experion response back within days giving me a response that this debt has been verified I then asked how did they verify the debt and they tell me the company told them so without even giving me any documents Experian keep telling me I need to contact the debt collector and get the information from them which I have tried and notified Experian that the company will not provide me the proper documents as of now Experian has still not provided me the proper documents verifying this debt and they still have it on my credit report after I have asked for it to be deleted

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 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For over a year, I have been filing a dispute with transunion Credit Bureau about a collection account with XXXX XXXX XXXX that they keep saying is verified but have not provided me with the proper documents I have even asked Transunion how did they verify this debt they will not respond to me I have told Transunion that the company which is XXXX XXXX XXXX will not respond to me to give me the proper documents and since the debt collector wont provide me with what I am entitled too that they should delete the collection account Transunion keep ignoring my request and allowing this unverified debt to sit on 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