vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/XXXX stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing with Experian, XXXX  and XXXX  for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NV

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc.
State: CA

Complaint narrative:
My account had {$4600.00} when the account was closed without notice. I was notified by email that I would receive a check after 10 days. After 90 days I still have not received the funds. The account was actively used, had enough funds, never reported fraud, or suspicious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
We paid off the loan on XXXX XXXX with Shellpoint Mortgage. My husband called to get instructions on how to pay off the loan and get the title and XXXX release that we need for our single wide trailer. After paying it off, my husband called XX/XX/XXXX or XX/XX/XXXX about getting the title and the lien release that we need. We have not received anything for this paid off loan. My husband called again sometime in XXXX, again we still have no documents. I called XX/XX/2020 about getting the lien release and title, the customer service rep told me that that should have already went out. She put in the request and I will have it within a normal mailing period. I called again on XX/XX/2020 to get an update about where the title and lien release was, the customer service rep said that I will need to send my request in an email. When I told her that I know I am suppose to have a lien release in 30 to 60 days, and it has been all of that plus more. She then told me that they can only provide a statement saying that the loan is paid off, not a lien release. XXXX Not sure how that works, when the lien holder has to provide a lien release showing the DMV that the lien has been paid off XXXX. She emailed the statement to my husband. I emailed my request on XX/XX/XXXX also, and still have no response or documents that I have request. The only thing we received was a letter in the mail on XX/XX/2020 saying that they are working on our request. Which I'm guessing was the email that I sent requesting an update for where the title and lien release is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BROKER SOLUTIONS, INC.
State: MA

Complaint narrative:
New American Funding performed a hard inquiry on my profile without my permission. There was no sort of intimation at all. I would like the deletion of this inquiry from my report since I didn't authorize 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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
Good Afternoon, On XX/XX/2020 I reached out about KeyNote Consulting Inc and how they provided NO proof that I owe them anything. They have been reporting negatively on my credit report for years and I have attempted to work things out with them and this is my second attempt requesting assistance with CFPB. Any guidance would be greatly appreciated. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
For the last 3.5 years i have continuously had to monitor my credit as Wakefield & Associates, Inc keep putting totals on my reports that are not mine. I have asked many time for evidence, proof these are my debts and everytime the debts magically disappear then reappear under another collection agency. It is a game where they keep throwing it on my report and never provide. This is not my debt, i would like it removed permanently from all 3 agencies. I have never been to the medical place they list. I have even called that company and they always say they have nothing to send me but a bill which does not help. Please help me take care of this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Citibank in regards to my secured credit card account. The letter basically stated that my secured credit account still needs a XXXX XXXX Account attached, in order to remain open/to be renewed. I called CitiBank multiple times in regards to why this requirement was still needed for my credit card account, but no one has given an answer. 

When this account was opened in XXXX of XXXX, multiple representatives of Citibank told me that if I managed my card properly and made on-time payments, my card would graduate to a regular/standard credit card that did not need collateral. Being that I've never missed a payment on my account, I've always paid the balance off in full every month and the card is in good standing, I don't understand why the card did not graduate into being a regular card instead of still being required to have the collateral account for another 12 months. On XX/XX/XXXX, I asked multiple representatives why this happened and no one gave me an answer, 1 representative disconnected the call, while another representative told me that they didn't know why, but someone would possibly give me an answer within 7 to 10 business days. Citibank isn't honoring what they said they would do and they need to do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
Tempo lease services open up a account to someone that gave them my social security number and they purchase a item in my name with out my authorization also they was using my bank account information to make payments ... Im so upset because I never applied for credit with tempo and they are making me responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
I received a letter dated XX/XX/XXXX from OnLine Information Services. They state that I owe {$760.00} to a creditor named XXXX XXXX XXXX  for services of XX/XX/XXXX. 

I did use medical services on or about that date. However, I never received a bill or statement from XXXX XXXXXXXX XXXX about any debt or past due debt. 

I sent OnLine Information Services a letter to meet the 30 day response time frame. I disputed the debt and told them I wanted an itemized statement of the charges and whether or not my health insurance covered the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have had this debt that does not belong to me any times for many years. The date 2018 is incorrect as they have been putting this on my credit for 5-7 years now. I have asked for orignal documents or proof or any back up and they still are unable to provide me anything. This does not belong to me, they have nothing but an invoice, nothing filled out by my, no ID copies, nothing I would like it removed once and for all and not continued to be sold to other collectors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing with XXXX, XXXX  and TransUnion for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: IL

Complaint narrative:
I have been disputing with XXXX, Equifax and XXXX for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Thursday, XX/XX/XXXX, I deposited a check in the amount of {$3900.00} into my personal checking account. This transaction took place at the XXXX XXXX XXXX of Bank of America in XXXX, Georgia. These funds were to be electronically transferred to a third party as soon as possible. I did not to want to transfer these funds until the check had cleared, so I went back to the same Bank of America branch on Friday XXXX, XX/XX/XXXX, and spoke to the same teller who deposited the check on Thursday. She verified that the check had cleared and my online statement of transactions showed this particular transaction as completed, not pending. I asked the teller if there was any chance the funds were not in my account and she referenced the transaction statement and confirmed with a screenshot showing that the funds were received. I had no reason to doubt her. After talking with the teller that morning, I felt comfortable transferring the funds to the third party. 

On Monday, I learned that the check was fraudulent. I immediately went to the Bank of America branch and was told that I would have to talk to another branch at XXXX XXXX XXXX where I was told I had to contact the fraud department by phone. I have spoken to various departments several times and no one has attempted to be helpful except to say that it takes 1-3 days for a check to clear. I made a good faith effort to ensure the check had cleared. After all, why would the bank release funds before the check had cleared? That makes no sense. I researched this practice, and learned that a bank may release funds in advance of receiving them if the customer has the money to cover the funds in his/her account, or if the check is drawn on a major company or trusted source. Neither of these circumstances applied here. Also, I went online Thursday night before transferring the funds to see how long it takes for checks to clear and saw that several banks ( including Bank of America ) can clear checks in one day ( XXXX ), so when the teller said the check had cleared and the funds were available for transfer, I believed her. 

Now I am out $ XXXXmoney which I do not haveand it is befuddling why Bank of America has acted in this manner. I believe Bank of America is at fault for releasing funds which it had not yet received and for misleading their trusting customer ( of 20 years ) into believing the funds existed for transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TX

Complaint narrative:
The Company causing me stress is Trans Union. They keep reporting misleading and inaccurate information on my credit report. I noticed that the " date opened '', " payment status '' and " date of last activity '' where all different and wrong. I contacted TransUnion as well as the credit furnishing company for a consumer credit application which was signed by me and they could not produce one. I kept disputing all the debt and they continue to report all of the misleading information even though I had disputed it multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I took out 2 student loans with XXXX XXXX that were relatively low. About {$6000.00} for each. A few years later XXXX XXXX turned into XXXX and they said I took out loans for XXXX each from XXXX XXXX. They did not have my correct address, or even the school I went to. XXXX stated that they sold the loans to a collection Agency called EOS CCA but that company had " gave the loans back to XXXX ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that XXXX had closed the account. Now they are trying to collect XXXX from me. EOS is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Transworld Systems has put a {$160.00} debt on my credit report that is not mine. It is in my daughter 's name, she was XXXX at the time, and it was in a state that I haven't lived in since XXXX. The debt is for a hospital visit in XXXX and is under my daughter 's name. They are saying that I am the responsible party, however there is no reason why I should be responsible for this debt as my daughter hasn't been on my insurance since she was XXXX. Additionally, I called the hospital that this debt came from and they don't have that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by Equifax that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON EXPERIAN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
On XX/XX/2020 is when we went onto the forbearance and we are currently in it. They will not defer the payments because it is a VA back loan, and the VA will not defer VA loans. Loan care has just been sending trails of letter stating that I am still under deferment and if I want to stay under deferment let them know. As of XX/XX/2020 I was able to talk with a live rep at this company who stated they could only send me more letters and they do not have a phone number to contact them however, one of the letters were sent stating I have a rep officer who will be handling my claim from here the number and email were never answered of this make believe individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have reached out to company sent 3 letters I received no reply, in regards to this account.my dad and I have the exact same name & my grandpa. THIS ACCOUNT COMING TO ME AND ITS NOT MINE, ALSO I WAS ROBBED AT GUNPOINT MY WALLET WAS STOLEN WHICH CONTAINED MY DL, SS CARD, CREDIT CARDS & ETC WAS STOLEN I AM NOT SURE HOW THIS ACCOUNT WAS OPENED BUT I KNOW ITS NOT MINE .THEY NEED TO DELETE THIS RUNNING MY CREDIT, SEND ME THE PAPERWORK FOR THE ACCOUNT I KNOW THE SIGNATURES WILL NOT MATCH BECAUSE THE ACCOUNT WASNT OPENED BY ME

Company response to consumer: Closed with explanation