vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I received an alert from XXXX Credit Reporting about this item. IC collections report a debt that was found out to not be me. They had no social security information on me as well as no Date of Birth information incorrect addresses. I spoke with a XXXX XXXX Hospital RepXXXX that verified with me that they do not collect Social Security Information or personal id information. The rep. also verified for me that there are 2 dates of service totally the amount of the debt. Also confirmed for me the person the debt belonged to was a person who lives XXXX, TN. This company has harrassed my parents home phone as well as my personal phone. XXXX an Item to a credit bureau on a person that did not verify there information.

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 2021-03-24 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: NY

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.XXXX, XXXX. 
Other reason Submitted XXXX/XXXX/XXXX  Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX/XXXX  Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX  XXXX  XXXX  Other reason Submitted XXXX/XXXX  Other reason XXXX/XXXX  XXXX  Other reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
so when I applied for this card it was supposed to be XXXX miles when spent XXXX on the card in the st 3 months which I did with no problem chase claims I signed up for a different promotion I escalated the 1st time and the lady left one voice mail with me and closed my case without even talking to me so I escalated this again and they were only willing to offer me XXXX of the XXXX they wold not give me the full XXXX so I escalated again to a manager in the corp offices and know all of the sudden to get the other XXXX they want me to XXXX annual fee which they already waived for the 1st year for me this is getting riduculous every time I talk to chase or united I cant get anywhere on this I just want my other XXXX bonus miles and they are giving all kind s of trouble trying to get it. I have been loyal to chase and united and have had these united cards for many years and I cant believe they are treating XXXX  XXXX and won't give me the other XXXX bonus I don't understand why this is a hassle and they are being very stubborn about this and I am still really upset

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I asume it has to be I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Since XXXX, I have tried to get my free annual credit report from XXXX. I submitted online inquiries, which were rejected because my personal data could not be confirmed. I submitted multiple inquiries over the phone, which were ignored. In XXXX, I mailed an inquiry with all the supporting identity documentation and a coverletter. I can see that the envelope was signed for and received on XX/XX/XXXX. Since then, I have emailed with no response. 

Therefore I need assistance in getting my credit report. Any help that you can provide is greatly appreciated.

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 2021-03-24 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: NV

Complaint narrative:
Im coming forward today today to state how this company have purposely created and formed deceptive forms and reported false and inaccurate information on my consumer report with out proper validation I have listed all the laws Credence have violated I want action behind this as I have been embarrassed by the forms they have furnished and placed on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I had a total of {$1000.00} that was debit from my Bank of American account from a company called XXXX XXXX Book. I called the number on my bank account they have listed XXXX. I was getting no where speaking to someone there so I did my research and wrote to them in a email and they reply to go through my bank to dispute the charges and they would work with my bank to retrieve my funds back to me. I filed a dispute with Bank Of American on XXXX XXXX they closed it out with out even taken the email from me I called back they reopen it I got a fax number to fax over what the company told me to do on XXXX XXXX. On XX/XX/2021 I reached out to the company and asked for a update I was informed they never heard from my bank and once again told me to tell my bank I want to dispute these charges and they would work with my bank to retrieve my funds. Today XX/XX/2021 I check my claim and they closed it out again after I have faxed them 2 letters showing the company was willing to work with my bank to retrieve my funds. I called Bank of American and asked why they are not putting in for a charge back I am told it was closed and I can write a letter for them to look at it again. XXXX goes through a company called XXXX XXXX I have been emailing XXXX XXXX XXXX XXXX and XXXX XXXX and he keeps telling me to go through my bank and they will work with my bank to retrieve my funds I have 2 emails from him stating this. Neither company seems like they want to put back my funds. I never used there service nor did I allow anyone to use my card.

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 monetary relief
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/21 could not get through after constantly on hold This company keeps lowering my score, I have paid off a loan and 2 credit cards, I opened a new credit card, one that carries no annual fee, they lowered my score by 17 points because I charged XXXX to one of my cards, that is not right at all, my overall balances have decreased over the last 8 months, I have not been using the cards, I just used one to pay something, my debt to income ratio is at 25.2 %. I have been trying to get my score up, and they decrease it for no reasonable cause! see attached to the latest, I was almost at 640 now they decrease me and put me at a low score again, this is going on too long I need assistance. My friend recently got a new credit card with no annual fee, and closed another and her score went up 45 points! my payment history is stellar this is unfair practice!

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 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A XXXX XXXX XXXX account appears on my report that states I have a past due amount to XXXX XXXX from XXXX. 
I have never been with XXXX. 
There are 16 other XXXX XXXX in the XXXX XXXX area. 
I have been with XXXX since XXXX. 
I offered to provide my declarations page for each year. 
I submitted a dispute and within days they closed the dispute and marked the account as accurate. 
They refuse to open a second dispute or take my documentation.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I asked to have the car returned because it could not be registered in California. And Credit Acceptance Corporation agreed to have the car returned. However when I called them to find out why they hadn't picked up the car as promised I was told that it wasn't worth picking up and to pay for the loan. Second the statue of limitations has long since passed and on yesterday I received a demand letter with threats to put once again report me to the credit company. Several years ago filed a grievance with the FCC and they were contacted but still hasn't responded and it was surrendered and I don't own the car. It was left at XXXX XXXX XXXX and never did pick up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Norwich Commercial Group, Inc.
State: RI

Complaint narrative:
We closed on our refinance in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I paid the mortgage per the first payment letter received during the closing. Shortly afterward I received a notice that I owed additional funds. After multiple calls to Norcom I discovered they were escrowing for my homeowner 's insurance. My closing paperwork clearly states homeowners insurance was not to be escrowed as I pay this separately. I submitted proof of insurance, but never received feedback, as promised. I continued to receive notices of non-payment and now I have been referred to their debt recovery unit. I spoke to someone on XX/XX/XXXX and they indicated my request to not collect escrow for homeowners was denied for another year. I was never officially notified of this. Their practice is in violation of a legal contract I entered with this mortgage servicer. They have not adequately and fairly responded to the clear legal evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2021 Phoenix Financial Services, LLC signed for a certified piece of mail containing a debt verification letter to verify my debt in which they were given 30 days written only to respond. It is XX/XX/2021 and Ive not received anything from the collection company. This debt is invalid because they can not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America blocked this merchant from accessing and the enabling application of XXXX  to link.

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 2021-03-24 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have requested several time that Navient correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from Navient dated 2/19/2021 in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to Experian and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX  XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted Experian to dispute this over the phone and its still on my 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 non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio debt collection illegally put false information on credit report. They are saying I owe a medical debt from XXXX XXXX. This a medical use card that was paid by my insurance called XXXX. They first XXXX out my balance and then reported it. I called Portfolio services to have them remove this debt from my credit report. They told me I still owe. So I offered proof of payment and my credit report that shows where THEY PUT XXXX AS MY BALANCE. THE ORIGINAL DEBTOR XXXX XXXX RECIEVED PAYMENT FROM MY MEDICAL INSURANCE XXXX  before it was sold to portfolii service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

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 2021-03-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

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