vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Property Business Services, Inc.
State: IL

Complaint narrative:
Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from XXXX XXXX XXXX XXXX. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted XXXX of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
I have been disputing with XXXX, XXXX and Equifax 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
I have been disputing with Experian, XXXX and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.

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 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On or around XXXX XX/XX/ 2022, some imposter hacked my checking account last four # XXXX, wrote XXXX bad checks from XXXX, digitally signed them, and deposited them into my account. Citibank finally sent copies of the checks today and are trying to charge me a {$12.00} fee for each of these fraudulent checks that were returned coming to a total of {$36.00}. I reported fraud on my account so they could place a fraud alert. 
They didn't send me a copy of my account charges because I can't access the account. This way I can see all transactions in my account. This is one reason why they are holding my money, so they can steal it with these fraud charges. 
This bank is corrupt and does not respond to customers on the phone. When they might, it's a bunch of lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have been with Discover Financial for over 7 years within that time I have been late once. My credit limit has always been maintained. So it comes very disarming when my account with a XXXX XXXX credit limit, is then dropped by the exact amount that I paid off XXXX. After speaking with other homeowners and professionals in my urban area as well as zip code, it has become apparent that this the new norm for them. By them doing this they are effectively damaging my credit by changing my DTI ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: GA

Complaint narrative:
XXXX XXXX XXXX HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO TRANS UNION. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO XXXX XXXX XXXX TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

TRANS UNION HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. TRANS UNION AND XXXX XXXX XXXX HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED 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 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I opened an account with Prosper on XXXX under the agreement that if I set up auto pay before the 1st statement the annual fee of XXXX. Would be waived the 1st year. I set it up on the website because their app wouldn't open. It took a week for that to start working. I got a statement dated XX/XX/XXXX that charged the fee. I called & was told they couldn't verify my identity. I tried again today after email got no response. I was told that I didn't register on time so I have to pay the XXXX & they refuse to reverse the fee. They blocked my use of the account & I haven't even received the card yet.

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 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: College Assist
State: IL

Complaint narrative:
I'm a victim of identity theft. Please refer to police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized use and inaccuracies in credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 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: NY

Complaint narrative:
The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 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 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX was the durable medical equipment provider for a XXXXXXXX XXXX, which I had in XXXX. I had many negative experiences with this company, due to their lack of professionalism. They tried giving me an outdated machine, which my doctor had not prescribed. After not getting what I wanted The follow up was extremely poor. 

In XX/XX/XXXX, the owner of XXXX, XXXX XXXX left a phone message asking for a serial number of a brand of machine I didnt even have. 

Any money that would have been owed on this equipment would have mostly if not completely paid by my medical insurance company, XXXX ( XXXX XXXX XXXX XXXX ), at the time. 

Unfortunately, I was given erroneous information from the SSA and XXXX XXXX XXXX regarding my medical coverage. Both entities told me I could stay on the XXXX XXXX XXXX XXXX XXXX XXXX, even though I was XXXX XXXXXXXX. XXXX stopped paying my medical bills when they discovered I was Medicare eligible, which was XXXX XXXX, XXXX. It wasnt until XX/XX/XXXX, that this matter was resolved and any reversed claims paid by XXXX, would have then been then been paid by Medicare, retroactively. 

I have not received, nor heard from XXXX XXXX XXXX since XX/XX/XXXX, when I spoke and emailed XXXX XXXX, owner of XXXX. His representative handling my supplies had not been responsive to poor quality accessories I needed for the XXXX I never did hear from them again and found a new supplier for my accessories. 

I do not understand why after nearly five years, I am getting a collection notice on XXXX behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate and unauthorized use of credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I'm a victim of identity theft. Please refer to police report!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I'm a victim of identity theft. Please refer to the police report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
About 18 months ago I saw a drop in my credit score. I identified a negative entry for Shellpoint Mortgage. Up until then, I had never heard of them before. This had never showed up on any previous credit reports going back decades.

I then discovered this was the mortgage that my ex-wife is responsible for, her home in Virginia.

Now she has decided not to pay this on time or at all. I talked to Shellpoint several times trying to get answers about this. The only thing that I found out was that it is a 50 year mortgage. Every time I asked to see the originated documents on this 50 year mortgage I was told that they are investigating it. 
First, the mortgage is in the name XXXX. This is not my legal name. My name is XXXX. I also go by XXXX to avoid the jokes, but never XXXX. Secondly, why have I not seen this before last year? 
The impact on my credit score has been devastating. I filled complaints with the CFPB to no avail.

Now I realize that Shellpoint Mortgage is trying to strong arm me into paying this mortgage by holding my credit score hostage. Why else would it suddenly show up in my credit report after almost 3 decades? The are trying to force me to pay something that isn't my responsibility. Clearly, they are dealing directly with my ex-wife as this account is secured by a password I do not know, and see me as the cash-cow. I have never received any tax benefits from this home, and have never had any contact with them prior to this showing up on my credit report.

This is clearly a fraud being perpetuated by Shellpoint being aided by the big three credit rating agencies. I will not yield to their extortion, especially when this 50 year mortgage is blatant predatory lending. Because of the time this has unknowingly existed, I am unable to sue for this immoral and illegal lending practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: MI

Complaint narrative:
Equifax continues to validate fraudulent incorrect account information on my consumer report that has already been deleted from my XXXX and experian report to to the info being invalid and incorrect. This is causing me irreparable harm being denied of my natural right to obtain credit because my information was hacked in their 2020 dat breach! I have given equifax every chance to cure the errors and delete fraudulent erroneous information from my consumer report that does not reflect the same as the other bureaus! I have asked for full disclosure in the validation process and have been denied! Please help Equifax has not lived up to its passed off the deal to protect the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution. 
Note : A review of XXXX  records will show this is a systemic issue with TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/2022 I entered the Global Lending Services portal in order to make a payment on my car loan which was due on XXXX XXXX, 2022. I inititated a payment on my end on the XXXX day after the due date. The payment was only 29 days late. The IT system used by Global Lending Services did not allow the payment to post until the following day, XX/XX/2022. Global Lending Services reported to the credit bureaus that my account was more than 30 days past due. This is incorrect, because not only was the account paid, but it was initiated by me within the 30 day grace period given for credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
In a nutshell, I was the victim of an XXXX scam where I ordered a custom suit of armor from a vendor in XXXX in XXXX of last year. Within weeks of the purchase, the seller sent a keychain, which they acknowledged was a XXXX  that was sent to see how long it would take to get to me. At this point, I had not sent my measurements or purchased a gauntlet upgrade, so in XXXX, I purchased gauntlets after they confirmed they received my measurements. I kept in communication, realizing a custom order takes time. In XXXX, they said they were in lockdown. In XXXX, they said the armor was nearing completion. In XXXX, they said it would be completed in 4-5 days. Then, they ceased all communication. I opened a case in XXXX, realizing that this could be a scam. PayPal credit issued me a check for the armor and gauntlets at the end of XXXX. I had paid off my entire balance to PayPal credit in XXXX, but at the end of XXXX, PayPal Credit added the {$580.00} for the armor  to my balance, saying that the buyer had provided a tracking number for the item ( the keychain! ) and that I was now responsible for paying it off. I have been back and forth with them several times since then, providing copies of convos with the seller that plainly show I never received the merchandise. Anyhow, PayPal Credit is saying I owe this money, with each response being slightly different, such as making efforts to return the item or contacting the seller, both of which involve a response from the seller, who continues to ignore my emails. While I continue to dispute, it will soon go into collections. 

I'm looking for someone who might be able to help me with this matter as my own efforts seem to not have any effect. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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