vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I was notified several years ago of a debt that I allegedly owed to a school. 
The name of the school is/was XXXX XXXX.Upon information and belief It was/is an online school. 

The amount of the loan was XXXX. After looking at it I noticed that the date of birth didnt match mine nor was any phone number ever used by myself. The company continues to attempt to collect despite the FTC Identity theft report and my many calls and correspondences. Ive called and was hung up on on numerous occasions. 

The name of the company is Ability Recovery Services XXXX XXXX XXXX XXXX, XXXX , PA This account was opened and/or loan was taken out while I had a freeze on my credit report and statement that says dont extend any credit to anyone without calling me first.

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 2021-09-02 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: NC

Complaint narrative:
I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX  XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open

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 2021-09-02 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: NC

Complaint narrative:
I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open

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 2021-09-02 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: OH

Complaint narrative:
I have sent out multiple letters to XXXX XXXX XXXX, XXXX  & Experian since XX/XX/2021. I also gotten a letter about XXXX XXXX XXXX reporting my account as current, no late payments, with all 3 bureaus. My account is still showing late payments for both Experian and XXXX. The only updated account is 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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have no acknowledgement of the account with " LVNV FUNDING LLC ''. I already disputed with them and I still see the account on my profile. I do Not Owe a debt of {$390.00} and also each bureau is stating something different for the account. XXXX is stating that this account is a collection, while XXXX is stating this account as 120 days late. Also XXXX is stating the last date active is XXXX while XXXX  is stating XXXX and XXXX  stating XXXX. This is a false inaccurate account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I was notified XX/XX/21 that my LOCKED CITIBANK master card was used by XXXX and later 2 monitoring companies. The date of charge was XX/XX/21 for {$99.00} for a foreign company by the name of XXXX. This same company fraudulently charged the same amount last year and I locked the card because CITIBANK would not provide a permanent credit for an unauthorized charge. 
I have all the documentation which exhibits clearly demonstrate this was fraud. They ended up charging me back again. Finally, after several months, they permanently removed the charge notating the fraud. 
I contacted the bank 4 times on XX/XX/21 and experienced terrible customer service. The reps are difficult to understand due to language barrier. I was blamed for this foreign fraudulant company having my information. After getting the run around with Customer Service ( only one name I could understaned " XXXX '' she placed me back on hold and I went into the quue again. Finally got to the SECURITY DEPT. and spoke with a man named XXXX. He gave me a very hard time even though I was calling from the registered phone listed with the bank and answered all security questions. There was a language barrier with the last name of my first best friend ( secret question ). I gave my SS number and all personal information. It was awful. He focused on that more than trying to put a stop to any more charges on a LOCKED account. I explained to all the people that this exact vendor did the same thing last year wihtout my permission. This is fraud and they allowed it on a LOCKED card. I am now stuck with a charge that I will not pay. They still have not followed up and do not believe they will take any action. I need a permanent reversal of the {$99.00} from XXXX and my card be LOCKED. I do not give permission to have any charges go through.

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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRIDENT ASSET MANAGEMENT would verify the debt. So I took it upon myself to ask TRIDENT ASSET MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2021, ,Continued Issues,, And What Make These Old And New Issues Look Really BAD, ,They Knew About These Issues,, They Had Pleasant Time To Fix These Issues, ,So They Should Pay ( TIME ) ) And Years, ,So In Acceptable Behavior,,

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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reported these inquiries as unauthorized and fraudulent and ask the bureaus to remove them they will not respond! Only inquiries I authorized are active good standing accounts on my credit report any inquiries not associated with a active account was not authorized by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party XXXX.The 3 Credit Bureaus is reporting inaccurate information on KAY JEWELERS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PHFA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some wrong information from my report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
continue Complaint # XXXX. Please view the misrepresentation Letter submitted as an Attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
On XX/XX/21 I received a letter from my insurance co, that my policy had lapsed for non payment.I immediately called my mortgage co Select Portfolio Servicing, bc my escrow covers my mortgage .I spoke with manager XXXX XXXX XXXX he told me he fix the issue, as the mortgage had been transferred to SPS in XXXX of XXXX never received a welcome letter or any correspondence that my loan had been transferred, only bc I called my previous servicer Shellpoint Mortgage, which also paid my insurance from my escrow acct, regarding Covid, was i made aware of the changes.The new servicer apparently hadnt realized the ball had been dropped concerning my escrows.Mr XXXX XXXX assured me this matter was resolved.1 week later I called back, to double check behind Mr XXXX, bc my spirit didnt rest with his explanations, only to find out, everything he said was a lie, and nothing had been done.I tried to get things moving, bc a storm was brewing in the Gulf, and heading to La.Unfortunately the matter was not taken care of promptly, and my home suffered significant damage, and Im displaced but my insurance co, denied coverage , as they never received payment.My insurance was included in my note, my mortgage co.collected my payments, and never paid my insurance, although theres an escrow acct for that purpose.They have stolen my money.This co has paid millions in fines for deceptive practices and they continue to deceive and fraud the public.Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-02 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Account System is reporting I owe a gas account and that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
A company with a name Sequium Asset Solutions put a charge on all three of my credit report that I owe them. I do not know this company, have never done business with this company yet they were able to get my social security number and reported collections to XXXX XXXX and XXXX. 
This was reported on XX/XX/2021. 

I searched on XXXX and found them to be a scam company that wants consumers to pay them. They are demanding payment from me and I have never done business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CT

Complaint narrative:
XXXX XXXX XXXX is reporting I owe a gas account and that is incorrect.

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 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I had my loan on auto pay on XX/XX/XXXX my bill is due i. it pulled and was cleared on XX/XX/XXXX. I took it off auto pay. On XX/XX/XXXX They pulled XXXX payment i found messaged ally on XXXX. On XX/XX/XXXX i checked my bank account and the pulled the XXXX payment. I went onto my ally online account and got a response and about them saying about insufficient funds so i called called ally. And spoke to XXXX. He told me it was because i took my bill off auto pay. We spoke back an forth.i to him i had proof on my end from my bank i paid then they pulled 2 more times. He explained to me it had to been a mix up or something. He would refund the money they pulled on the XXXX and then i needed to send a copy of the screenshots of my bank sccounts and/or records throught there app. I attempted informed him i couldnt. He told him to fax them. I had no way to access a fax machine. He then he then up me on hold. I was given the run around over agian. Being transfered from customer service to billing. Told no one can do anything besides using the app. No supervisor will talk to me. I cant email they anything. I asked to resolve the situation and i just get well bc my computer say its this way ur wrong. 


XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( cant give out my member # id ) I answered put her on speaker. She told me seps payment was late. Its do the XXXX. The told me it was XXXX ( Another adult in room ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX ( won't give employee id ) XX/XX/XXXX ( says im 14days past due ) ( cant hear me all of a sudden so hung up and i called back on my husbands phone ) XXXX ( was hung up on on husbands phone ) XX/XX/XXXX XXXX ( hung up on husbands phone agian ) XXXX # XXXX XXXX Called 2x on XX/XX/XXXX first time i missed. 2nd time i answer XXXX answered when i asked where he was from he mumbled and when i asked to repeat he hung up. 
XXXX # XXXX XXXX ( put me on hold and sent me back to main menu ) XXXX # XXXX ( hung up on her she was going to put me on hold for 2 to 3 mins ) around the XX/XX/XXXX XXXX XXXX ( say companyhas no d numbers ) ( refussed to speak to my husband ) XX/XX/XXXX XXXX ( no other info. refused ) XX/XX/XXXX 1

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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
CAPIO PARTNERS LLC at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending collection notice in the about of {$1400.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief