vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
Received notification through XXXX XXXX that there was a collection amount of {$990.00} owed to a collection agency, MBA Law. I also received a letter in the mail from MBA Law stating the collection amount but no information provided as to where this came from. 

The original creditor name was XXXX XXXX, a hospital I have never been to and is only affiliated with two hospitals in the state of Ohio, the city of XXXX and the city of XXXX ( all other locations are not in Ohio ). I live in XXXX, Ohio and both of these hospitals are much further than my local XXXX hospital ( where I always go to if need be ). I have not been to the hospital at all this year and with COVID going on I chose to visit my local urgent cares if I had to. Since I do not have health insurance I paid upfront for every visit at a local urgent care. 

Since this has been turned over to MBA Law my credit score has decreased significantly over this. I have had a credit score of XXXX and above on XXXX, XXXX  and XXXX since I have established credit. 

Again, I have not been to a hospital at all this year and I am completely baffled how I have a hospital bill from XX/XX/21.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I gave my credit card number to a moving company for a deposit for a move. When I was alerted that the charge had come through it was for a different amount and the company name was different than who I gave my card number to. I called the moving company immediately to question why this charge was coming through under a different name. The answer that they gave me was fishy so I asked for a refund and to cancel the move reservation, they refused. I called Capital One immediately and disputed the charge as well as cancelling the card I had given to the moving company. The moving company responded to the dispute with fraudulent documents claiming that I had e-signed and therefore agreed to a cancellation policy. I sent numerous documents proving that I had never received the fabricated documents. I also sent proof that the IP address as " proof of e-signature '' was not my IP address. Capital One would not resolve this dispute saying that " they were not able to review the evidence under Mastercard guidelines ''. I was told by a Capital One representative that the moving company knew these guidelines and therefore submitted fraudulent documents knowing that Capital one would not review any evidence that I provided. I was told by a dispute representative that '' if you give your cc number over the phone you are not protected and are essentially consenting to any and all charges that a company may charge '' This is absolutely sickening, what if this company had charged XXXX and then submitted fraudulent documents backing it up? Capital One would do nothing? I feel that Capital One is complicit in these scams by merchants. Shame on them ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I bought a car 2 years a go from a dealer XXXX pa I been having problems from the very 1st day this was my wife anniversary I drop XXXX dollars of my hard earn money so far I have put XXXX dollars in repairs in this car and now its in the shop again this is to much I want to give the car back, but it will hurt my credit I am trieding to rebuild I have call wrote credit acceptance many of times but know one will answer me back are any thing with me ai even ask for a deferred payment they told to me they do not do that I have lots of late payments on my credit report I think they should remove and work with me but they will not they will not even help me out I do not know what to do I have no transportation now and cant get another car because I still own on this one this car have a XXXX on the dash the loan is from credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
before the pandemic i stared i got a contract with XXXX XXXX on XX/XX/2020, but 2 month after covid stared and i stared having a lot of financial problems cause my income went lower, i call them to ask them to please stop the payments explaining the situation, the also opened an credit account and instead of they stop with the payment even i make a few of the payments the increased from {$500.00} to almost {$800.00} dollars, they send me to collection from the same company and i called them to ask them to stop cause im not willing to take vacations for now, I'm a healthcare worker and this is not the right time to be taking any type of vacations cause we don't know when this is going to stop. i called the credit card collectors and i ask them to stop calling me and to removed the balance cause i never used the services of XXXX XXXX the only thing i did was paid and looses money. The collector continues calling me at least every 5 minutes in the entire day i have blocked many numbers but they call and call. i dont want to deal with them and i don't want their services cause they are very desconsiderates this is a pandemic they should do exceptions with the clients if is that they really want the people to go and uses their resorts, this is the worse experience ever. i don't want them to keep calling me.

thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " XXXX '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my Equifax profile, but the same account is still being report erroneously on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MD

Complaint narrative:
The following accounts listed are fraudulent Accounts on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX  : XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX Account number XXXX Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  Account number XXXX Date openedAug XXXX, XXXX Account number XXXX Collection opened XXXX XXXX, XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Transunion : XXXX  XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, 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 2021-07-30 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: MD

Complaint narrative:
The following accounts listed are fraudulent Accounts on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX  : XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX Account number XXXX Date openedXXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX Account number XXXX Date openedAug XXXX, XXXX Account number XXXX Collection opened XXXX XXXX, XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account XXXX  : XXXX  XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
The following inquiries are unauthorized I want them blocked and deleted from my consumer report immediately XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Card Inquiry from XXXX XXXX, 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 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Today XX/XX/2021. Sister in another state mailed me a sizeable check ( {$500.00} ) to help pay bills due XX/XX/XXXX. I deposited check on Tuesday XX/XX/XXXX at ATM of my exact bank ( worldwide recognized bank ) and got notice on ATM screen thered be a 7 day holdavailable XX/XX/XXXX. 

First, XX/XX/XXXX makes it a NINE DAY HOLD because bank does not include weekends and By XX/XX/XXXX I will be EVICTED. I need that money NOW. 

Called my bank - nothing they can do. A nine day hold is unnecessary. My sister makes > $ XXXX a year, works for herself, her bank XXXX, not unknown. 

This is a my non-regular deposit account, ie, unemployment checks do not go there. Unemployment payments have stopped for unclear reasons. That account was being closed. 

I start teaching XX/XX/XXXX. First paycheck XX/XX/XXXX. 

Cant teach if I am homeless next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have made 4 payments on my mortgage. The first one to XXXX  XXXX  and 3 of them cashed by Shellpoint. On XX/XX/XXXX XXXX  XXXX  confirmed they sent their payment to Shellpoint. Yet, Shellpoint is saying I have made only 3 payments. I have provided support for all 4 of my payments numerous times. I have spoked to 4 different people. Yet, they still say I owe one payment. I asked them if they received the payment from XXXX  XXXX  and I hear different answers from them. So I am not sure. I believe XXXX  XXXX  that they sent over the payment. But Shellpoint isnt even looking for it even though I have requested this numerous times. They are XXXX  and crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Nelnet, Inc.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent 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 2021-07-30 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: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
-May XXXX my LOC with Wells Fargo was cancelled without notice. This reduced my available credit by XXXX which negatively impacted my credit score by 36 points. 
-In XX/XX/XXXX the bank reinstated my line of credit due to a consumer complaint by me, which then increased my credit score by 36 points. 
XXXX XXXX Wells Fargo is now going to remove all Three of my lines of credit which will reduce my overall available credit limit by XXXX this will very negatively impact my credit score. 
-Wells Fargo will cancel 2 of my line of credit account by XX/XX/XXXX, and one account by 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 2021-07-30 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: I.C. System, Inc.
State: NY

Complaint narrative:
IC SYSTEMS IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from 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
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$230.00} Open balance XXXX XXXX Original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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:
There were about {$7100.00} in fraudulent charges on my XXXX credit card which XXXX did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 XXXX said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!

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