vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX, and Transunion certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.

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 2021-04-02 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX Equifax, and XX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express is reporting an erroneous late on my credit file. I have been working on my credit and American Express keeps verifying these lates. I opened up this account back in XXXX and was always current, never had any lates and was very happy with the customer service and loved being a long time customer. I however, had to close some accounts back in XXXX and this was one of them. I closed the account and settled the debt that the card had and told them to please give me a call if there were any complications. I never received a call, and I figured the account would just report as closed and paid. However, almost 7 years later there was a {$4.00} fee on that card for something that I was not aware about. I didn't even know that this account could be charged anymore. I didn't receive any notifications, calls, emails regarding this and it made me late on the account. Had I known a {$4.00} balance was on the card, I would have paid that immediately to avoid all those lates. I still have no idea where those {$4.00} came from or why I was never told that this card was used after I had closed it and paid it. I ask that American Express removes the late payments off my credit fie. It's a little ridiculous to think I could have paid {$4.00} and this could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Called Calgary Portfolio to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. Made several attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX and have had no success. Even though Calgary Portfolio says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXXXX/XX/XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
The lender took escrow at closing this is aXX/XX/XXXX backed loan. The lender has never paid the property taxes on parcel number 2, they failed to pay the insurance also. Although they took the money at closing XXXX. I have paid the property taxes for XXXX and XXXX. The lender places forced insurance and now they refuse to fix the leak. It's a mess the home is also now in foreclosure, XXXX XXXX failed to pay the mortgage, when I found out I immediately called the bank made a payment told them I would make monthly payments and to get them caught up. They accepted 2 months on the 3rd payments I made a larger payment and it was rejected, they told me all of the past due or nothing. They sent that payment back. Within 3 weeks they filed foreclosure, I have never been served the lawyers refuse to speak to me because I'm only on the deed. Averst central mortgage company refuses on multiple occasions to speak to me although they have permission. They claim I have an attorney i do not. I made them aware of the taxes and insurance they claim to only have a lien on one parcel. I called the clerk of court and they confirmed there is a lien on both. So again I have attempted to work with everyone involved getting no where fast. I do not want to lose the home. I have a lis pending against me so no lender will loan me on the other land that own. Otherwise I would take a mortgage and pay it up to date. XXXX is XXXX and not in sound mind. Her attorney has convinced her that if she signs deed in lou of the keys she won't have a default judgment. There are 3 names on the deed no one is getting me to sign that. That attorney had since lost her bar licenses. Please help. XXXX the 2nd parcel holds the water wells for the entire 10 acres and supplies water to another home on site he is XXXX and the wife has a XXXX XXXX as well as the daughter has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XX/XX/XXXXdata breach. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XX/XX/XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
Also my signature on the document is me giving authorization ; so please do not respond saying you need authorization.

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 2021-04-02 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: NV

Complaint narrative:
There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX XXXX {$9500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5500.00} XX/XX/XXXX - Acct # XXXX Amt {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}

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 2021-04-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX- Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NV

Complaint narrative:
There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX -XX/XX/XXXXAmt {$0.00}

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 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: FL

Complaint narrative:
Called XXXX XXXX  to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to Levy Law Firm Co. , LPA. Made several attempts to contact Levy Law Firm Co. , LPA and have had no success. Even though XXXX XXXX says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I applied for unemployment and opted to have my benefits direct deposit into my cash app account. I received a deposit and began to spend it. Two days later my account was frozen and I received an email stating I violated the terms of service, but no actual violation number or explanation of the violation. My account remained frozen for 2 weeks and then {$3700.00} was debited and customer service emailed me and said the money was sent to unemployment but unemployment says they never got a payment from cash app and requested a transaction number in writing. Cash app customer service stopped helping. Cash Apps parent company is : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX received a voicemail from a person named XXXX stating I was on his schedule to be served at my job. My husband received the exact voicemail on his phone. XX/XX/XXXX my employer received a call from the same man stating the same thing. He left a number to call and a case number. I call and talked to someone in loss litigation and was told it was a collection of a debt by Chase dates XX/XX/XXXX with the last payment on XX/XX/XXXX. I have researched and the statue of limitations to sue has expired. It is a time barred debt. They man I talked to said I would be served at my work place in 5 to 7 business days I asked to be served at my home. But according to my research their time has passed to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have paid off over {$9000.00}. in cred t and Loans. My XXXX  ( is XXXX and my XXXX  is XXXX but my Experian just dropped 24 points to XXXX. 
It actually seems that every time I complain, they drop my score! I have worked very hard over the last year to clear my debts but with the bad Experian repot I cant get a car loan. 
Their score is SO different from the other 2 it can't be correct. Please help.

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 2021-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX paid XXXX XXXX with Obscurity Intensive Facilitaion through XXXX through Navy Federal Account Checking # XXXX for {$900.00} for three day coaching services course. 
XX/XX/XXXX cleared Navy Federal Credit Union. 
XXXX on XX/XX/XXXX and still incompacitated unable to work. 

Initial communication with Navy Federal regarding refund and Navy Federal Advised to request refund through XXXX. 

XXXX XXXX reschedule session in XXXX to another date. 

Requested refund to XXXX XXXX on XX/XX/XXXX after a berrage of words from XXXX. 

XXXX XXXX, XXXX XXXX XXXX had Conversation with XXXX. XXXX XXXX emailed XXXX Letter on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX recommended not to engage in any session with XXXX. Letter with professional recommendation was emailed to XXXX XXXX requesting refund on XX/XX/XXXX. 


XXXX XXXX provided no services. 

Contacted XXXX through Consumer Finance Gov and XXXX stated that Navy Federal is responsible. 

Request {$900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a Notice of Validation to the XXXX XXXX XXXX to validate the information they claim I owned in the amount of {$1100.00}. I requested a copy of my signatures on a HIPPA form, giving XXXX XXXX XXXX ( Frost-Arnett Company ) permission to review/access any of my medical information. XXXX XXXX XXXX responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. No copy of any signature giving them permission to access my personal medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of Identity theft. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed on the FTC report. This information is not related to any transaction of mine. The accounts that are fraudulent on my report are on the FTC report. I have also attached a Notarized letter stating it is in fact me sending out this dispute. I expect these accounts to be blocked and removed within 4 business days in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CT

Complaint narrative:
Received an unrequested US Bank Reliacard postmarked XX/XX/2020.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$13000.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/2015. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the fouXXXX years Statutes of Limitations to collect such debt.

Company response to consumer: Closed with explanation