vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: WA

Complaint narrative:
XXXX  and Experian reported a delinquency on an account that was never in arrears ( XXXX ). I contacted the credit Union, and they had no record of a delinquency or late payment. I disputed with both companies, as this caused an over 100 point drop in our credit scores ( we had excellent credit for over 30 years and only one late payment to a credit card out of 25 reported accounts over thirty years ). My credit score has not been fixed, though XXXX has sent all supporting documents to each company. The change occurred in XXXX of 2020 when XXXX credit Union merged with XXXX XXXX XXXX. I disputed with both companies, but there is no return to my previous credit score before they misreported a delinquency. XXXX did not make the same error, and they show us having our excellent rating. We had to cancel a home equity line due to this error as the interest rate would be higher due to the incorrect credit report.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've removed this account before and it showed up again. I sent a dispute over a month ago and Equifax still confirmed it even though its not my account and they removed it before thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Hello, ( My name XXXX XXXX and I paid my mortgage on time. I've been paying my principal and interest, {$2500.00}, every month, for 9 years. I paid my escrow separately, on time, and I don't have any pending payments. My bank doesn't give out transmittal forms because I pay online, thus I have Bill Pay. I have been extremely inconvenienced since you made the switch in my neighborhood. You even had foreclosure notices sent. I have been going back and forth with your customer service for many months now so please for the love of XXXX, figure things out on your end because I can not endure this any longer. My mortgage payment ( principal and interest ) details are below. ) I sent a letter to loan care regarding this matter earlier. But no action is taken and still, this issue is persisting and which already affected my credit score.I started this mortgage ten years, I don't have any past due. I have evidence for all past payments. Please consider this matter and solve this problem. 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ 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 2021-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
THEY ARE CALLING ME AND CALLING MY FAMILY SAYING THEY ARE FROM XXXX COUNTY AND I NEED TO CONTACT THEM BECAUSE THEY ARE GOING TO DISPATCH THEM TO PICK ME UP. THEY GAVE AN XXXX AND A CASE NUMBER OF XXXX. THEY ALSO SAID THEY ARE GOING TO CONTACT MY EMPLOYER AND SPEAK T MY SUPERVISOR. I CALLED THE NUMBER BACK AND THEY SAID THE PERSON THAT CONTACTED ME IS A LOCATOR AND THEY DON'T WORK FOR THEM. I TOLD THEM THEY CONTRACTED THEM AND THEY ARE NOT ALLOWED TO THREATEN ME OR MY FAMILY WITH JAIL OR LAW SUITS. 
THEYCALLED ME AND MY FAMILY ON XX/XX/21 AND THEN CALLED ME ON XX/XX/21, I TOLD HER NOT TO CONTACT MY FAMILY AGAIN AND AS SOON AS SHE HUNG UP WITH ME SHE CALLED MY NIECE THREE TIMES IN A ROW, SHE CALLED MY HUSBAND AND MY SON. HER NAME IS XXXX XXXX AND SHE SAYS SHE WORKS FOR XXXX COUNTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CA

Complaint narrative:
My main complaint with Chase was requesting that they reverse the charges made on my account for hotel fees, since the pandemic was in effect and I didn't have stable living situation. So I first asked the insurance that they offer for consumers, and then credit customer service. It looks like their is a charge XXXX for XXXX on acct XXXX. 
And then on acct. XXXX, XXXX extended stay XXXX. XXXX. And from procedure XX/XX/XXXX XXXX. These items should be refunded because I'm with out a home. I started to actually realize that someone had gained account information when I filed for edd. My claim was mad in XXXX, and I didn't receive anything until XX/XX/XXXX. That was also around the time my phone was stolen/ broken and the chip was taken out too. I believe that who ever filed for XXXX before I did, did so b4 me. I think they used the same email, at XXXX, but I noticed that XXXX acct is case sensitive and their are emails that I cUt get because of the ph # not being accurate. So I don't even really know what email they used, but it was either gmail or XXXX. 
Sin e this began, I ave also noticed several duplicate charges made on two different acct. Or even on an acct I don't use normally. I think there might be more accounts their because I get pieces of info every so often that leads me 2 this assumption, I also see charges on thmy accounts for some reading purchases, I think, which I don't xo and I'm currently disputing XXXX because it's on every account multiple times a day and I don't go there but maybe once a day, since I do n't drive much right now and the amount is at times not making any sense. One was done on ac, XXXX, XXXX, XXXX, I actually have a gas card for XXXX too, which confuses me when I see charges from them on all other accts. 
Another charge XXXX, XX/XX/XXXX, XXXX. 
I think that it's possible a shadow acct has been made with my credit or orther accounts, but with ss #, reversed last for digits.? Chase even showed up on a bank account I have with XXXX. This was for XXXX, so why would it show up, and then dissappear? I don't usually use XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: LJ Ross Associates
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-15 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: I.C. System, Inc.
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: CO

Complaint narrative:
There are these deals that pop up in emails or ads asking you to fill out a survey and then you choose your free product. Well a lot of ppl such as myself that are targeted for their SSD /SSDI bcuz of our health problems. And XXXX XXXX  is utilized for pain. Well, the outfit mails you the supposedly free product of XXXX oil, which you of course enter your personal information and your bankcard for the postage. Then these ppl try to take an amount of {$110.00} from your said bank account, which most of us contest with our banks, as well as contacting this XXXX XXXX XXXX that refunds you the money yet wants you to mail back the supposedly free bottle of bogus oil. And XXXX months later then give this supposed debt to the collection company titled National Medical Administration that then begins harrassment of your person for this FAKE DEBT FOR FAKE XXXX XXXX 
These people are working under the XXXX adjective in order to pose as XXXX personnel in an attempt to collect on a supposed debt of XXXX XXXX  that more than likely you the consumer received for filling out a survey. You the consumer probably gave your personal information for postal reasons in order to get your supposedly free bottle of XXXX XXXX, which by the way is nothing but COUNTERFEITED XXXX XXXX. Then about XXXX months later they will attempt to recharge your bank card used for postage previously in the amount of {$110.00}. I was given the refund yet they attempt to get you to mail back to their fraudulent organization the " free 'XXXX  ' XXXX oil, '' and threaten that it is worth much more. Yet they sent it to you as a free product go figure. Then in about XXXX  months you get their fraudulent outfit contacting you as they did me today in an attempt to collect on their bogus XXXX oil XXXX! Might I remind my fellow consumers that in order to garnish your wages they MUST TAKE YOU THE CONSUMER TO DEBT COLLECTIONS COURT WHERE YOU THE CONSUMER MAY THEN CONTEST THE VALIDITY OF THE DEBT AND/OR COUNTERSUE FOR DAMAGES CAUSED BY THEIR PRODUCT, WHICH AS YOU WILL SEE IN THE PHOTO BELOW WHERE THEIR CBD OIL CAUSED ME PERSONAL INJURY. THIS COMPANY IS FRAUDULENT AND I CAN NOT EVEN BELIEVE THAT THE BETTER BUSINESS BUREAU IS ALLOWING THEIR " NATIONAL MEDICAL ADMINSTRATION '' OUTFIT TO DENOUNCE WHAT USED TO BE AN ORGANIZATION FOR THE BENEFIT OF US THE CONSUMERS. IT'S SICK, PLAIN SICKLY! THIS FRAUDULENT OUTFIT TARGETS THE XXXX  AND THE XXXX AS I AM BOTH!!! YOU ARE MADE TO THINK YOU ARE GETTING SOMETHING TO IMPROVE YOUR HEALTH BUT ARE ONLY GETTING SCAMMED BIG TIME!!!! SHOULD THEY CONTACT ME AGAIN THROUGH PHONE, EMAIL, TEXT, OR MAIL, I WILL THEN SUE FOR HARRASSMENT, AS WELL AS SUE FOR THE DAMAGES CAUSED ME BY THEIR COUNTERFEIT " XXXX '' XXXX!!! 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-15 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 — Investigation took more than 30 days
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: Merchants and Medical Credit Corporation, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX1 that a derogatory account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported multiple derogatory accounts and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Remains + 'icon ' Remains CALIBER HOME LOANS, IN Account XXXX This loan was settled we sold the house at a short sale and the lender agreed to list as pain in full.. it was already removed from my equifax and my XXXX XXXX .. this need to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: TX

Complaint narrative:
went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. 

I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Investigation took more than 30 days
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-03-15 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation